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Future Generali Cancer Protect Plan

Future Generali Cancer Protect Plan is a health insurance plan which covers against the deadly ailment called cancer. Whether the life insured is diagnosed with a minor stage cancer or a major stage cancer, the plan pays a lump sum benefit depending on the severity of the ailment.

Key features of the plan

  • This is a health insurance plan which covers minor or major stage cancers. 
  • On diagnosis of cancer, whether in minor stage or in major stage, a lump sum benefit is paid depending on the severity of cancer.
  • In case of minor stage cancer, the benefit can be claimed 4 times during the term of the policy for different organs.
  • In case of major stage of cancer, the entire Sum Assured is paid in lump sum.
  • Premiums can be paid either once or through the entire duration of the plan

How does the plan work?

Step 1 – the policyholder chooses the Sum Assured, plan term, premium paying term and the premium paying frequency.  

Step 2 – in case of diagnosis of minor stage cancer, 25% of the Sum Assured is paid immediately and premiums for the next three years are waived off.  

Step 3- in case of diagnosis of a major stage cancer, the entire Sum Assured is paid.  

Step 4 – in case the first diagnosis is a minor stage cancer and then a major stage is diagnosed, 25% of the Sum Assured is paid for the minor stage diagnosis. Future premiums are waived off for 3 years and later when a major stage is diagnosed, the remaining 75% of the Sum Assured is paid.  

Step 5 – in case of death of the life insured or maturity, no benefit is paid.  

Example

Rishabh, a non-smoking male aged 30 years, buys Cancer Protect Plan (Lump sum benefit option). The Sum Assured chosen is Rs.20 lakhs and the term is 20 years.

Option 1 – Rishabh is diagnosed with a minor stage cancer of the lung. 25% of the SUm Assured which is Rs.5 lakhs is paid immediately. If Rishabh is later diagnosed with a minor stage cancer of any other organ, 25% of the Sum Assured would be paid again up to a maximum of 4 times or till the Sum Assured is exhausted.

Option 2 – Rishabh is diagnosed with a major stage cancer. In this case, he is paid the entire Sum Assured of Rs.20 lakhs and the plan is terminated.

Option 3 – Rishabh is first diagnosed with minor stage cancer of the lung in the 6th policy year. He is paid Rs.5 lakhs immediately. His future premiums are waived off for 3 years. Later, in the 12th policy year, Rishabh is diagnosed with a major stage cancer. In this case, the remaining Rs.15 lakhs of the Sum Assured is paid to Rishabh and the plan is terminated.

Option 4 – if Rishabh survives the plan tenure without facing cancer or if he dies during the term of the plan, no benefit is paid.

Plan benefits

  • Cancer benefit – if the life insured suffers from cancer, the plan benefit is paid. In case of minor stage cancer, the benefit is 25% of the Sum Assured. After the minor stage cancer benefit is paid, premiums for the next three years are waived off. In case the life insured suffers from a major stage cancer, 100% of the Sum Assured is paid and the plan is terminated. If the life insured first suffers from minor stage cancer, 25% of the Sum Assured is paid and premiums are waived for the next three years. If, later, the insured is diagnosed with a major stage cancer, 75% of the Sum Assured is paid and the plan is terminated.
  • Maturity Benefit – when the chosen tenure expires and the plan matures, no benefit is paid if the life insured does not suffer from cancer.
  • Death benefit – there is no death benefit under the plan if the life insured dies during the plan term.

Eligibility Criteria

  Minimum Maximum
Age at entry (in completed years) Minors – 1 year
Adults – 18 years
Minors – 17 years
Adults – 65 years
Age at maturity (in completed years) NA 80 years
Term of the plan Regular premium plans:
Minors – higher of 10 years or 18 years – entry age
Adults – 10,15,20 years or 80 years – entry age
Premium paying options Regular pay  or Single Pay
Premium Paying term Regular Pay - Equal to the plan tenure
Single Pay – once
Sum Assured Minors - Rs.10 lakhs
Adults – Rs.10 lakhs, Rs.20 lakhs, Rs.30 lakhs and Rs.40 lakhs

What is not covered in the policy?

Pre-existing illnesses or conditions are not covered by the plan in the first 4 years of the policy

Illnesses occurring within the first 180 days of the policy are not covered.

After diagnosis of any stage of cancer, the life insured should survive for 7 days to claim the benefits.

For minor stage cancers, cancers resulting from HIV/AIDS, congenital conditions, pre-existing ailments, alcohol or drug abuse and nuclear, biological and chemical contamination are excluded.

For major stage cancers, cancers resulting from tumours with malignant changes of Carcinoma – in-Situ, skin cancer, prostate tumours, papillary micro-carcinoma, HIV infections, microcarcinoma of the bladder and chronic lymphocytic leukaemia lower than RAI stage 3 are excluded.

Premium Illustration

Below are the sample rates of premium payable by a non-tobacco user male for a combination of different ages, cover option and Sum Assured. The term is taken to be 35 years and premiums are paid annually for the entire duration.

FAQs