1. What is FG Heart & Health Insurance Plan?
FG Heart & Health Insurance Plan is an Individual / Non - Linked / Non - Participating / Fixed
Benefit Health plan which pays lump sum to the life assured on diagnosis or undergoing the surgical
procedure of the listed Minor, Moderate or Major stage Critical Illness as per options chosen.
2. How Does FG Heart & Health Insurance Plan work?
This is a regular premium payment Individual / Non - Linked / Non – Participating/ Health plan
As per your requirement, choose the option:-
- Option 1 - Heart Cover
- Option 2 - Critical Illness Cover
- Option 3 - Heart Cover with Return of Premium
- Option 4 - Critical Illness Cover with Return of Premium
Pay the premium till the end of policy term
Receive lump sum on diagnosis or undergoing the surgical procedure of the listed Minor, Moderate or Major stage critical illness
On diagnosis/undergoing the surgical procedure of the Minor or Moderate critical illness, premiums will be waived off for the period of 5 policy years or till the end of the policy term, whichever is
earlier. (Only once during the policy term)
Death benefit in case life assured dies during the policy term
Maturity Benefit if life assured survives till the end of policy term (Available only with option 3 and 4)
3. Why do I need FG Heart and Health Insurance Plan?
Life is about enjoying all big and small moments with those who matter to you. And, these moments
are best enjoyed when you are healthy and worry free. The modern lifestyle however, exposes us to
many risks arising on account of lack of exercises, irregular eating schedule, sedentary work habits
and erratic sleep patterns etc. Therefore, while prevention is the best solution, preparedness is equally
important.
Presenting the Future Generali Heart and Health Insurance Plan, a comprehensive health protection
plan, that safeguards you and your family against financial risks arising out of any defined unforeseen
medical emergency. The plan provides a fixed financial benefit that will help you cover medical costs,
especially in case of critical illness which require a long term treatment, cost of second opinions, post
treatment nursing and above all a loss of income during the affected period.
4. What are the key features of this plan?
Provides Comprehensive Health Cover - Get cover against 59 Critical Illnesses and surgical
procedures including Heart and Cancer related ailments. You have an option to opt for a separate
Heart Cover as well that will provide cover against 18 Heart Related illnesses and surgical procedures.
- Flexibility to Choose your cover – you can choose from the available 4 options basis your needs
- Lumpsum Payout on diagnosis/undergoing surgical procedure of the listed illnesses
- Inbuilt Death Benefit – Has death cover from day 1 with all the options
- Multiple Claim Benefit – Claim upto 2Minor or 2 Moderate conditions provided you have not exhausted your Sum Assured
- Waiver of Premium Benefit - If you are diagnosed with any of the defined minor or moderate
conditions, your premiums will be waived for the following 5 years. This means that the plan
continues without you having to pay premiums for 5 years
- Provides option to get your premiums back on maturity
- Buy for Self and Family - You can also buy this plan for Your Spouse, Children and Parents. You will
have to buy individual policy for each family member.
- 5% Discount on premium rates on buying directly from our website
- Tax Benefit under both section 80C and 80D