Future Generali India Life Insurance Company Limited is now Generali Central Life Insurance Company Limited. Generali Central Life Insurance Company Limited – A joint venture between Generali – one of the world’s leading insurers and Central Bank of India, India’s finest nationalised bank.
Future Generali India Life Insurance Company Limited is now Generali Central Life Insurance Company Limited. Generali Central Life Insurance Company Limited – A joint venture between Generali – one of the world’s leading insurers and Central Bank of India, India’s finest nationalised bank.

Most people believe that regular health check-ups are only essential for people already diagnosed with an illness. But this is a huge misconception. Sometimes, a critical illness can take a long time in displaying symptoms, and in some cases, only when it is too late. No matter how healthy a person may be, it is only through periodic health checks that the early signs of a disease can be detected.
In many cases of critical illnesses, such as breast cancer, the major factor that determines an individual’s survival rate is early detection. It is even worse in the case of pancreatic cancer, 95% of people diagnosed with the disease do not survive because it is diagnosed too late[1]. It is estimated that by 2020, India might report 17 lakh new cases of cancer. It becomes more important now than ever to get regular health check-ups and ensure you do not run even the slightest risk of contracting a critical illness.
Take the example of Karan, who was always a health-conscious man. He always watched what he ate, how many calories he consumed and advised others about their eating habits too. He would also make sure he made time out of his busy schedule to work out or go for morning jogs. His friends and family always joked about how he probably never needed to visit a doctor in his life.
But as a part of his new company’s routine physical check-up policy, he underwent several tests which revealed that he had stage 1 pancreatic cancer. The doctors told him that it was fortunate it had been caught early since most cases aren’t diagnosed until it is too late. Karan was relieved but also baffled. Despite his healthy lifestyle , he had fallen prey to a critical illness. What would have happened if he hadn’t come in for this check-up?
We generally consider visiting a doctor only when we are ill, but regular health checkups can help us prevent critical illnesses in a variety of ways.
Firstly, regular check-ups can help detect any underlying current medical problems that you might not be aware of. On the other hand, if you are indeed healthy, medical check-ups can offer peace of mind to both you and your family.
They also help establish a patient-doctor relationship which can help your doctor develop a better understanding of your medical history in the long run. This ensures that you get more insightful recommendations and diagnoses in the future.
Regular health check-ups also ensure that you are always one step ahead of a possible medical condition or disease you might develop in the future. Any early signs of a critical illness can be certainly detected at the right time, particularly when it comes to diseases of the heart, diabetes and certain forms of cancer. Your doctor can assess the potential risk factors you might be facing as well as how these health risks can be minimised. This kind of regular feedback from a physician can help keep critical illnesses at bay.
Even if the illness cannot be prevented, regular check-ups help you get an early diagnosis, manage your resources and plan your treatment.
If you have a family history of a critical illness , you have a high risk of developing them as well. In such a case, these check-ups can serve as a form of preventative health care. Considering the high risk you have of developing these conditions, your doctor can advise you on how frequently to go for certain types of tests or health exams.
This helps the physician monitor your health condition closely and be on the lookout for any early warning signs. This includes small physical changes that we might ignore, such as rashes, discolorations of the skin, weight gain or loss. These might be symptoms of a larger disease and regular health checks ensure that we get diagnosed on time.
Many of the critical illnesses affecting our country can be easily prevented by making small changes in our lifestyle. For example, several types of cancer can be prevented by keeping a healthy weight, maintaining a balanced diet and ensuring daily physical activity. This is where health check-ups become important.
By regularly visiting a doctor, you can follow the specific lifestyle recommendations that can keep you healthy. It can help you keep a check on the bad habits or lifestyle changes that might be affecting your health adversely. Usually, we tend to ignore these regular habits until they start developing long-term complications. But regular medical advice can help us stay on track and prevent developing any serious illnesses before it’s too late. Karan, after emerging victorious from his battle with cancer, vowed to have regular check-ups and coaxed his family into going in for them too. Better to be safe than sorry, was his motto henceforth.
Critical illnesses can often show up in the form of harmless symptoms and go unnoticed. It is only through a regular monitoring of your health condition that you can possibly detect their early signs. So, no matter your age, gender or physical fitness, if you want to proactively take steps to prevent developing a critical illness, make sure to schedule regular medical check-ups for you and your family. Be financially prepared for 59 critical illnesses by opting for Generali Central Heart and Health Insurance Plan.
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Have questions? Get help and reliable support from experts at Generali Central India Life Insurance.
From insurance basics to wealth-building strategies — everything you need, in one place.
Here are answers to some of the questions you might have.
Life insurance is a financial safety net that supports your loved ones in your absence. If something happens to you, it provides them with funds to help cover everyday expenses, repay debts, and achieve future goals. It gives you peace of mind, knowing your family’s financial future is secure— no matter what.
The right plan depends on your needs.
Start by assessing your life stage, financial goals, and the needs of your family. Consider factors like your income, outstanding loans, future expenses and goals (like children’s education, foreign travel, study abroad), and desired coverage amount. We offer a wide range of plans that cover multiple goals and budgets. To get a better idea and make a confident choice consult with a financial advisor or call us on 1800 102 2355.
A good rule of thumb is to aim for coverage that's 10–15 times your annual income. Consider your family’s living expenses, outstanding loans, children’s education, and long-term goals. The right amount ensures your loved ones can maintain their lifestyle and meet future needs— even in your absence.
We would love to help you choose and buy the right policy for your needs. Call our toll-free number 1800 102 2355 or drop us an email at care@generalicentral.com.
Reach out to us in any way that you prefer, and our team of experts will soon get back to you!
Understand your policy better with key details and insights into our Generali Central Life Insurance.
This Product is not available for online sale. Life Coverage is included in this Product. For detailed information on this plan including risk factors, exclusions, terms and conditions etc., please refer to the product brochure and consult your advisor, or, visit our website before concluding a sale. Tax benefits are as per the Income Tax Act 1961 and are subject to any amendment made thereto from time to time. If you have any request, grievance, complaint or feedback, you may reach out to us at care@generalicentral.com For further details please access the link: www.generalicentrallife.com/customer-service/grievance-redressal-procedure.
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