The Rider Sum Assured is payable subject to following conditions

i. The policy shall have to be in force at the time of critical illness diagnosis.

ii. The life assured survives for 30 days after diagnose of critical illness, unless a separate Survival Period is specified for any particular disease/condition in the CI definitions.

iii. Signs and symptoms relevant to the claimed CI condition must have been present and documented before death.

iv. All investigations must confirm that the diagnosis of claimed CI condition has been done before the death of the insured.

Lapse

i. For Limited Pay:

(a) If all due Rider premiums for the first Policy year has not been paid in full within the Grace Period, the Rider shall lapse and will have no value.

(b) All risk cover ceases while the Rider is in lapsed status.

(c) The Policyholder has the option to revive a lapsed Rider within five (5) years (along with Base Policy) from the due date of first unpaid premium.

(d) In case the Rider is not revived during the Revival Period, no benefit shall be payable at the end of Revival Period and the Rider will terminate thereafter.

ii. For Single Pay / Regular Pay:

Not Applicable

Exclusions for Critical Illness:

We shall not be liable to make any payment under this policy towards a covered Critical Illness resulting from or in respect of any of the following:

i. Any Illness, sickness or disease other than those specified as Critical Illnesses under this Rider.

ii. Any Critical Illness caused by any Pre-existing Disease (PED) or any complications arising therefrom.

• Where, pre-existing Disease: It means any condition, ailment, injury or disease:

1. That is / are diagnosed by a physician within 36 months prior to the effective date of the policy issued or its reinstatement by the insurer or
2. For which medical advice or treatment was recommended by, or received from, physician within 36 months prior to effective date of the policy or its reinstatement.

iii. Any Critical Illness caused due to use or misuse of alcohol, drugs or any addictive substance and consequences thereof.

iv. Any Critical Illness caused due to narcotics used by the Life Assured unless taken as prescribed by a registered Medical Practitioner,

v. Any Critical Illness caused due to intentional self-injury, suicide or attempted suicide

vi. Any Critical Illness caused by or arising from or attributable to a foreign invasion, act of foreign enemies, hostilities, warlike operations (whether war be declared or not or while performing duties in the armed forces of any country during war or at peace time), civil war, public defense, rebellion, revolution, insurrection, military or usurped power;

vii. Any Critical Illness caused by ionizing radiation or contamination by radioactivity from any nuclear fuel (explosive or hazardous form) or from any nuclear waste from the combustion of nuclear fuel or caused by nuclear, chemical or biological attack.

viii. Any Critical Illness caused by Congenital External Anomalies, inherited disorders or any complications or conditions arising therefrom including any developmental conditions of the Insured;

ix. Any Critical Illness caused by any treatment necessitated due to participation as a professional in hazardous or adventure sport, including but not limited to para jumping, rock climbing, mountaineering, rafting, motor racing, horse racing or scuba diving, hand gliding, sky diving, deep sea diving etc.

x. Any Critical Illness caused by any treatment necessitated due to participation by the Life Assured in any flying activity, except as a bona fide, fare- paying passenger of a recognized airline flying on regular routes and on a scheduled timetable.

xi. Any Critical Illness caused by Medical treatment traceable to childbirth (including complicated deliveries and caesarean sections incurred during hospitalization) except ectopic pregnancy. Any Critical Illness caused due to miscarriages (unless due to an accident) and lawful medical termination of pregnancy during the policy period.

xii. Any Critical Illness caused by any unproven/ experimental treatment, service and supplies for or in connection with any treatment. Unproven/ experimental treatments are treatments, procedures or supplies that lack significant medical documentation to support their effectiveness.

xiii. Any Critical Illness based on certification/diagnosis/treatment from persons not registered as Medical Practitioners or from a Medical Practitioner who is practicing outside the discipline that he/ she is licensed for.

xiv. Any Critical Illness caused due to any treatment, including surgical management, to change characteristics of the body to those of opposite sex.

xv. Any Critical Illness caused due to cosmetic or plastic surgery or any treatment to change the appearance unless for reconstruction following an Accident, Burn(s), or Cancer or as part of medically necessary treatment to remove a direct and immediate health risk to the insured. For this to be considered a medical necessity, it must be certified by the attending Medical Practitioner.

xvi. Any Critical Illness caused due to surgical treatment of obesity that does not fulfil all the below conditions:

(a) Surgery to be conducted is upon the advice of the Medical Practitioner

(b) The Surgery / Procedure conducted should be supported by clinical protocols.

(c) The member has to be 18 years of age or older and

(d) Body Mass Index (BMI):

• greater than or equal to 40 or
• greater than or equal to 35 in conjunction with any of the following severe co-morbidities

xvii. Any Critical Illness caused by treatment directly arising from or consequent upon any Life Assured committing or attempting to commit a breach of law with criminal intent.

xviii. In the event of the death of the Life Assured within the stipulated survival period as set out in the policy terms and conditions.

xix. Any Critical Illness caused by sterility and infertility. This includes:

(a) Any type of contraception, sterilization

(b) Assisted Reproductive services including artificial insemination and advanced reproductive technologies such as IVF, ZIFT, GIFT, ICSI

(c) Gestational Surrogacy

(d) Reversal of sterilization

Other Exclusions:

The Company shall not be under any obligation to provide cover and We shall not be liable to pay any claim or provide any benefit hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose the insurer to any sanction, prohibition or restriction under OFAC, United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union, United States of America or as directed by the Government of India, from Time to time.

Grievance Redressal Processes

In case you have any grievances on the solicitation process or on the Product sold or any of the Policy servicing matters, you may approach the Company in one of the following ways:

• Calling the Customer helpline number 1800-102 2355 for assistance and guidance

• Emailing at care@generalicentral.com

• You may also visit us at the nearest Branch Office. Branch locator - https://www.generalicentrallife.com/branch-locator

• Senior citizens may write to us at the following ID: senior.citizens@generalicentral.com for priority assistance

• You may write to us at: Customer Services Department- Generali Central Life Insurance Company Limited, Unit 801 and 802, 8th floor, Tower C, Embassy 247 Park, L.B.S Marg, Vikhroli (W), Mumbai – 400083

We will provide a resolution at the earliest. For further details please access the link: https://www.generalicentrallife.com/customer-service/grievance-redressal-procedure

Generali Central Life Insurance Company Limited (Formerly known as Future Generali India Life Insurance Company Limited) offers a wide range of life insurance solutions designed to protect and empower individuals at every stage of life. Whether it’s protecting your loved ones, planning for retirement, or securing long-term financial well-being, our offerings are designed to evolve with your needs. Backed by a robust distribution network and advanced digital tools, we are dedicated to delivering simplicity, innovation, empathy, and care in every experience — all anchored by our unwavering commitment to being your Lifetime Partner.

This commitment is backed by the strength of our joint venture between Generali, a global insurance leader with over 190 years of expertise, and Central Bank of India, a trusted name with a rich legacy in Indian banking.

Generali Central Non-Linked Critical Illness Rider

UIN: 133B058V01

• This Rider is 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. Generali Group’s and Central Bank of India’s liability is restricted to the extent of their shareholding in Generali Central Life Insurance Company Limited.
• 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: https://www.generalicentrallife.com/customer-service/grievance-redressal-procedure

Generali Central Life Insurance Company Limited (formerly known as Future Generali India Life Insurance Company Limited). (IRDAI Regn. No. 133) CIN:U66010MH2006PLC165288
Regd. and Corporate Office address: Generali Central Life Insurance Company Limited, Unit 801 and 802, 8th floor, Tower C, Embassy 247 Park, L.B.S. Marg, Vikhroli (W), Mumbai 400083.

Email - care@generalicentral.com

Call us at - 1800 102 2355

Website: www.generalicentrallife.com

UIN: 133B060V01

BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS.

IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.