Future Generali Future Vector Care - Mosquito Insurance

Sum Insured options available per person per annum are

• 10,000
• 25,000
• 50,000
• 75,000

Policy Term

• Minimum Policy Term - 1 Year
• Maximum Policy Term - 3 Years

Eligibility of Future Generali Future Vector Care - Mosquito Insurance<

• Minimum Age at entry - 1 day
• Maximum Age at entry - 65 years
• Renewability Lifelong

Family definition

Self, Spouse, Up to 3 Dependent children (Unmarried and up to the age of 25 years) and 2 dependent parents

Pre-insurance medical examination

No pre-insurance medical examination test is required, irrespective of the sum insured and age of the insured.

Coverages of Future Generali Future Vector Care - Mosquito Insurance

Lump Sum Benefit Lump-sum payment of 100% will be made if the policyholder gets hospitalized due to any of the following conditions:

• Malaria
• Dengue
• Lymphatic Filariasis
• Kala-azar
• Japanese Encephalitis
• Chikungunya
• Zika Virus

Other features Long-term discount up to 7.5% applicable in case of upfront premium payment for long term policy
Loading on Claim experience There will be no loading on premium for adverse claims experience
Free look period If you are not satisfied with the coverage, and terms and conditions of the policy, you can opt for cancellation of the policy within 15 days from the date of receipt of the policy documents, provided there has been no claim and you shall be entitled to a refund as per the policy terms and conditions.
Restoration of Sum Insured If any of the listed conditions occur, 100% of sum insured shall be paid (subject to other terms and conditions mentioned in the policy document) and the sum insured shall be exhausted. Policy shall be reinstated automatically by deduction of pro-rata premium from the payable claim amount for the remaining duration of the policy year.
30 days for Renewal From the expiry date of the policy, you get 30 days grace period for renewal

Exclusions of Future Generali Future Vector Care - Mosquito Insurance

• Waiting Periods
  • 15 days waiting period: We are not liable for any claim arising for listed illness diagnosed or diagnosable within 15 days from policy inception of Your first Policy with Us.
  • Special Conditions: The initial waiting period of 15 days will be increased to 60 days, if the insured is suffering or has suffered within 60 days prior to the date of proposal, from any one of the listed condition except Lymphatic Filariasis at the time of taking the policy.
  • In case, if the insured is suffering or has suffered within 60 days prior to the date of proposal, from Lymphatic Filariasis at the time of taking the policy, Lymphatic Filariasis will be excluded from the policy and the other listed conditions shall have an initial waiting period increased to 60 days.
• Standard Exclusions: We will not pay for any expenses incurred by You in respect of claims arising out of or howsoever related to any of the following:
  • Any condition other than Malaria, Lymphatic Filariasis, Dengue Fever, Japanese Encephalitis, Kala Azar, Chikungunya or Zika virus as defined under this policy.
  • Any condition with respect to the covered benefits, for which the insured was diagnosed, and/or received medical advice/treatment within the waiting period.
  • Any treatment taken on Outpatient basis.
  • Hospitalisation primarily for any purpose which in routine could have been carried out on an out-patient basis and which is not followed by an active treatment or intervention during the period of hospitalization.
  • Experimental or unproven procedures or treatments, devices or pharmacological regimens of any description (not recognized by Indian Medical Council) or hospitalization for treatment under any system other than allopathy.
  • Convalescence, rest cure, sanatorium treatment, rehabilitation measures, respite care, long term nursing care or custodial care and general debility or exhaustion.
  • The insured has delayed medical treatment. Diagnosis and treatment outside India. However, this exclusion shall not be applicable in the following countries/ cities: Canada, Dubai, Hong Kong, Japan, Malaysia, New Zealand, Singapore, Switzerland, USA, and countries of the European Union. The company may review the above list of accepted foreign countries from time to time. Claims documents from outside India are only acceptable in English language unless specifically agreed otherwise, and duly authenticated.
  • Treatment in any hospital or any other provider network that We have blacklisted by the company

Disclaimer "For the detailed list of exclusions under the policy, kindly refer to the same provided in your policy kit”