Car Insurance

Bought your dream car? But did you protect it against damages yet? Repairing or replacing your car parts in the event of an accident or damage can be super inconvenient. But more than that, it can cost you a fortune. This is why you need car insurance.
It gives you financial protection against accidents or damages to your car. It also covers injuries sustained by others in the accident.
Car insurance provides coverage for medical expenses, repair costs, and liability to others involved in the accident. With an insurance policy in place, you can enjoy peace of mind knowing that all financial expenses can be taken care of in case of an accident or damage to your vehicle.

What is Car Insurance?

Your car is a friend you can always trust. Shouldn’t its safety be your priority? You may be a safe driver behind the wheel. But your car’s safety is not always in your hand. With Future Generali’s Car Insurance, your car-related troubles take a back seat and you drive worry-free.
With our policy, you get protection against accidents, theft, damages, and much more!
Your car insurance or four-wheeler insurance policy depends on multiple factors like the make and model of your car, the level of coverage, location, etc. It also covers non-collision incidents such as theft, vandalism, or natural disasters.
You can select from a variety of vehicle insurance depending on the type of coverage you want. You can also select the frequency of the premium payment based on your preference. For example, you can pay the car insurance premiums monthly, quarterly, semi-annually, or annually.
What's more? With Future Generali, you can easily buy or renew car insurance online in a few simple steps.
Our motto is, you own it… We’ll cover it!

Why Choose Future Generali Car Insurance?

Future Generali makes buying and renewing a car policy easier. So why settle for an average insurance policy when you can have so much more? With our comprehensive car insurance plan, you get benefits like- INCLUSIONS

Add On Covers

Future Generali's motor vehicle insurance has got you (and your car) covered. With our four-wheeler policy, you get comprehensive car insurance coverage and much more. Our affordable policy comes with the following car insurance add-ons- Other Benefits

No matter how strong, they get damaged. We reimburse you for tyre bursts, bulges, puncture, cuts, accidental damage and more.

We allow you to have an NCB advantage at the time of renewal, even if you claim in the previous year.

Keep your engine running. We cover all losses and damages to the engine or gearbox caused by an accident.

We even stand with you when your car becomes a total loss after damage. We pay you the difference in the insurance value and invoice price of the bike.

We understand repairs cause travel inconvenience. We pay you per day for the time your car is in the repairs.

• Hired driver/conductor/cleaner for the car
• Employees travelling in/driving the car other than paid driver
• Non-fare paying passengers

Benefits of Having a Car Insurance

You can enjoy several benefits with car insurance coverage. Some of them include-

Financial Protection

Your vehicle insurance policy provides financial protection in case of accidents, theft, or damage to your vehicle. It provides you with the financial support you need to cover the costs of repairs or replacement of your vehicle. Without car insurance, you would have to pay for these expenses out of your own pocket, which can be expensive and financially straining. Moreover, the policy also covers non-collision damage, such as theft, vandalism, or weather-related damages like hailstorms, floods, and hurricanes.

Third-party Liability

Suppose you meet with an accident and are found to be at fault. In such a situation, you may be responsible for the damages or injuries caused to the other party. This can lead to legal action against you. You may also have to pay for the damages out of your own pocket. But with 4-wheeler insurance, you get coverage for third-party liability. This means that your insurance company will pay for the damages or injuries to the other party involved in the accident. This can help you avoid financial and legal consequences and enjoy peace of mind knowing that you have protection in case of an accident.

Peace of Mind

Without car insurance, you constantly worry about the potential costs of an accident or theft, which can impact your driving and overall well-being. Knowing that you are protected in such unfortunate events gives you peace of mind and reduces your stress levels while driving. It is an assurance that you have financial and legal protection in case of an accident or theft. This makes your driving experience safer and more enjoyable. Plus, with Future Generali, you also get other added benefits like roadside assistance, zero depreciation, legal liabilities, etc.

Legal Protection

In India, it is mandatory to have car insurance. non-collision damage, such as theft, vandalism, or weather-related damages like hailstorms, floods, and hurricanes. Additionally, the insurance protects you from legal issues that may arise if you are involved in an accident. For example, if you are at fault for an accident, you may be liable for damages or injuries sustained by the other party involved. This can result in a lawsuit, which can be costly and time-consuming to resolve. Car insurance gives you legal protection by covering the costs of legal fees and any settlements or judgments that may result from a lawsuit. This can save you time, money, and stress in the event of a legal dispute.

Coverage for Medical Expenses

If you get into an accident, you will not only have to bear the repair costs of your car, but you might also get hurt, leading to high medical expenses. In such cases, your motor insurance will cover the medical expenses of you and your passengers, regardless of who is at fault for the accident. This includes hospitalization, surgery, medication, and other necessary treatments. This helps you avoid unnecessary stress and financial burden during an already difficult time. Moreover, some policies also offer additional coverage for specific medical conditions or injuries. For example, if you have a pre-existing medical condition that requires regular treatment, you may be able to get coverage for these treatments through your car insurance policy.

What is Covered by Future Generali Car Insurance Policy?

At Future Generali, we only want the best for our customers. This is why our four-wheeler insurance policy covers a host of benefits. These include the following-

At Future Generali, making a claim is as simple as buying car insurance online. You can easily make a claim online or offline in a few simple steps.

With Future Generali's new car insurance, you can repair your car at any of the 2500+ partner workshops across the country.

Car broke down in an unknown place with no mechanic in sight? Worry not. Our comprehensive car insurance coverage got you covered. No matter the time or place, we're always ready to help you with roadside assistance whenever you need it.

Accidents can take a toll on your physical and mental health. In such a situation, worrying about getting your car towed can be an added hassle. But not with Future Generali's car insurance. When you buy online car insurance from Future Generali, you also get towing assistance in case of an accident, no matter where you are.

You are eligible for anti-theft device discount in Our Comprehensive Car Policy, If Your vehicle is fitted with anti-theft device as approved by Automobile Research Association of India (ARAI).

Motor insurance can take a lot of time to settle. And we at Future Generali understand this. That’s why we offer two express claim services – Future Xpress and Future Xpress +. By opting for these, you can skip the long line and get on-priority car repairs and claim settlements.

What is not covered?

Key Features of Car Insurance Policy

• Affordable pricing
• Comprehensive coverage
• Flexible premiums
• A hassle-free claim process
• 24*7 assistance and much more

Moreover, with our Xpress and Xpress+ policies, you get exciting features like-

Roadside Assistance

Stranded on the road or met with an accident? Why should such mishaps stop you? Our Roadside Assistance is at your service 24x7. Know More

Future Xpress & Xpress+

A simplified process to offer you a more personalised service at the same time smooth and speedy claims settlement. Know More

Reasons to Buy Car Insurance Online

With Future Generali, you can easily buy a car insurance policy online from the comfort of your home. If you haven't considered buying third-party car insurance online, here are a few reasons why you must-
Convenience One of the major benefits of buying car insurance online is the convenience it offers. You can compare car insurance policies, coverage options, and premium rates without leaving your home or visiting multiple insurance agents or companies. Cost-effective Buying car insurance online can also be cost-effective. This is because many insurance companies offer discounts for online purchases. You can also compare multiple quotes and coverage options to find the best deal that fits your budget and requirements. Time-saving Online car insurance renewal or buying can save you time as well. You can easily find and compare policies and premiums from multiple insurance companies. All this without scheduling appointments with insurance agents. Easy Access to Information Buying car insurance online gives you easy and quick access to essential information about different policies, coverage options, and terms and conditions. You can also read through policy documents and FAQ sections to understand the coverage and limitations of each policy. Faster Claim Processing Insurance companies typically have faster processing times for online claims and renewals. Why? Because they use digital technology to simplify the process. This means that you can file a claim and receive reimbursement or repairs faster as compared to traditional insurance companies. Flexibility Car insurance buying or car insurance renewal online gives you greater flexibility to manage your policy. You can easily update your policy information, make payments, or file a claim online at any time, without visiting the insurance office.

Factors Affecting Car Insurance Premium

Your car insurance premium is the amount you pay for your car insurance policy. It can vary depending on several factors. Here are some of the key factors that can affect your car insurance premium- Type of Vehicle The type of vehicle you drive can affect your insurance premium. Sports cars and luxury vehicles are typically more expensive to insure than standard sedans or hatchbacks. This is because they are more expensive to repair or replace. As a result, the premium you pay on these cars is usually higher.
Usage How you use your car can also affect your car insurance price. If you use it for business or commuting purposes, you will typically pay a higher premium than if you only use it for personal use. Coverage Options Your insurance premium also depends on the coverage options you choose. For example, if you want add-ons like legal liabilities or tyre damage to your policy, your premium will be higher.
Location
Your location can also affect your car insurance premium. Similarly, if you live in big cities and metros with heavy traffic throughout the day, your premium will be high.
Type of Engine
Cars that run on diesel usually have higher insurance premiums. This is because diesel vehicles and their IDVs are expensive. Therefore, the car insurance price for these vehicles is higher than their petrol or CNG counterparts.
Customizations
Many insurance providers allow you to customize your third-party car insurance policy to fit your requirements. While this is a great way to get your desired insurance coverage, it can be more expensive than a regular policy.

How to Reduce Car Insurance Premium?

While car insurance is important to protect your vehicle against accidents or damages, it can take a toll on your finances. However, you can take a few steps to reduce your insurance premiums. These include-

• Increase Your Deductibles You can reduce your insurance premiums by increasing the amount you are willing to pay before your insurance coverage kicks in. However, make sure to choose a deductible that you can afford to pay in case of an accident.
• Drive Safely A clean driving record can lower your insurance premium. This is because insurance companies consider safe drivers to be a lower risk.
• Choose a Safe Car Cars with advanced safety features and a high safety rating are considered lower risk, which can reduce your premiums.
• Opt for a Higher No-Claim Bonus A no-claim bonus is a discount on your insurance premium if you have not made any claims during the previous year. By opting for a higher no-claim bonus, you can lower your premium.
• Research Well Comparing quotes from different insurance providers can help you find the best deal on car insurance. Remember to compare not only the premium but also the coverage and deductibles offered.
• Pay Annually Many insurance companies offer a discount for annual payments. Therefore, opting for annual payments can help you reduce your premium amount.

What Factors Impact Insured's Declared Value (IDV)?

• Age of the vehicles
• Make and model of the vehicle
• Fuel type
• Geographical location
• Accessories
• Condition of the vehicle
• Insurance claims history
• Market value of the vehicle

Minimum Policy Term : 1 Year

Maximum Policy Term : 3 Years

When choosing an insurance policy, make sure to keep these factors in mind. This will help you calculate the IDV accurately and ensure adequate coverage in case of total loss or theft of the vehicle.

Some Helpful Documents

When buying or renewing car insurance, you must present the following documents-

- The original copy of the Vehicle Registration Certificate

- A valid Driving License

- Identity proof (passport, Aadhaar card, voter ID card, or PAN card)

- Address proof (utility bill or rental agreement)

- Previous insurance policy (if you are renewing the policy)

- PUC certificate

- Vehicle inspection report

Why buy Car Insurance

Our insurance policy provides comprehensive coverage, which includes

Imagine damages like a broken windshield, dents, and shattered headlights. Can’t, right? Well, with our insurance, you won’t have to!

Stay financially protected in situations where someone is injured or if their property is damaged with our third-party liability cover.

Accidents hurt, but financial security doesn’t! Secure yourself and your family today with our personal accident cover. Get accident cover up to Rs. 15 lakhs!

Stranded on the road or met with an accident? Why should such mishaps stop you? Our Roadside Assistance is at your service 24x7.

How Can I Purchase
Future Generali Car Insurance?

Simply provide us a few details

Review the quote

Pay and get your policy

What happens after purchase?

Once you secure the insurance cover, you get a financial assurance for all your bike needs. You also get documents for your better understanding and convenience.

• Policy Schedule You will receive the policy schedule. It is an outline of the cover which is provided by the purchased policy. Details of the policyholder, coverage amount, additional clauses, exclusions, warranties etc will be given in this policy.
• Premiums Receipt You will receive the receipt of the premium amount you have paid to purchase this policy.
• Policy Coverage and Terms & Conditions This is a comprehensive document which lists down the coverage offered by the policy along with terms and conditions. It is better to read this thoroughly and highlight important points. In case of any discrepancy or doubt, do get in touch with us immediately.
• Endorsement form In case, you wish to make any changes to your policy document, fill in the service request form and submit it to the nearest branch.
• Claim form You can intimate your claim online or submit the form to your nearest branch or alternatively email it to us.
• Complaint/feedback form Should you have any complaints/feedback, you can fill in the form and submit it to the nearest branch or email us.
• Grievance Redressal In case you aren’t satisfied with the resolution provided by us to your complaint, then you can approach the Insurance Ombudsman. This form will have details about the procedure to approach the insurance ombudsman along with the addresses of the ombudsman.

What is the claim process?

We treat our customers like VIPs and so our claim process is short and swift.

FAQs – Frequently asked questions

Travel insurance is a type of insurance that covers various financial losses that may occur during your trip, such as trip cancellation, medical expenses, lost or stolen luggage, and emergency evacuation.

Travel insurance typically covers trip cancellation, medical expenses, lost or stolen luggage, emergency evacuation, and other unexpected expenses that may occur during a trip. Some policies also cover things like a trip interruption, travel delay, and accidental death or dismemberment.

While it's not legally required, travel insurance can provide financial protection in case of unexpected events during a trip. It's a good idea to have travel insurance, especially if you're travelling internationally or planning a trip that involves a significant investment. Moreover, many countries have made travel insurance mandatory for visa approval.

The cost of travel insurance varies depending on factors such as the type of coverage, the duration of the trip, and the destination. On average, a basic travel insurance policy can cost anywhere from 4-10% of the total trip cost.

You can buy travel insurance online or offline depending on your preference. You will typically need to provide information such as the details of your trip, the type of coverage you need, and your personal information.

Yes, you can cancel your travel insurance policy, depending on the terms and conditions. Some providers may offer a refund if the cancellation is made before the trip starts or within a certain time frame.

A pre-existing medical condition is a health problem that existed before you purchased the policy. Some travel insurance policies do not cover pre-existing medical conditions, while others may require additional information or charge a higher premium.

Yes, you can purchase travel insurance after you've booked your trip, but it's best to do it as soon as possible. Some travel insurance policies have time limits for when they can be purchased, and some policies may not cover certain events that happen before the policy is purchased.

The type of coverage you need will depend on the details of your trip and your personal needs. Some common types of coverage include trip cancellation, medical expenses, lost or stolen luggage, and emergency evacuation. It's best to review the different types of coverage and compare them to find the best policy for your trip.

Many travel insurance policies do not cover adventure sports or activities by default, but you can often add coverage for an additional premium. It's important to check the policy details and make sure the activities you plan to do are covered.

A single-trip policy is designed to provide coverage for a specific trip, usually for a set number of days. This type of policy is ideal if you are taking a one-time trip, such as a vacation or a business trip. A multi-trip policy, on the other hand, is designed to provide coverage for an extended period for an unlimited number of trips, usually for an entire year. This type of policy is ideal if you travel frequently for business or leisure.

• Complete overseas protection with 24/7 toll-free assistance
• A comprehensive coverage
• Easy and cashless claim settlements

We depend on the global expertise of EUROP ASSISTANCE (Generali Group Company) for this service.

Yes. You can avail of the family plan under Asia & Schengen Travel policy.

We offer a minimum cover of 50,000 Euros under the Schengen travel plan; 25,000 USD under the Asia plan; and a minimum of 50,000 USD under the World Plan. For Student Suraksha, the minimum coverage under the Asia plan (excluding Japan) is 25,000 USD and under the World plan is 50,000 USD.

Yes, a cashless mode of settlement is available in most overseas hospitalization cases. There is a minimum deductible under Medical expenses and Emergency Dental relief cover which vary with the plan chosen (25-100 USD).

Yes, Future Generali provides an extension facility under all travel plans.

For Future Travel Suraksha, Future Travel Suraksha Select, Future Easy Travel Worldwide, Future Easy Travel Schengen, and Future Student Suraksha - there is no medical examination required if you do not make any medical declarations in the proposal form. However, in case of any medical declaration, medical tests shall be advised by the Underwriting Team for the Future Travel Suraksha Superior Care plan - proposal with the age of 71 years to 80 years, medical tests are required.

Yes, we offer Student travel plan for up to 2 years.

No pre-existing diseases are not covered in any of the plans. If you are already suffering from any pre-existing disease then the proposal will be referred to Underwriting Team for review.

We depend on the global expertise of EUROP ASSISTANCE (Generali Group Company) for this service.

Annual Multi-trip plan is available in Future Travel Suraksha (World-Wide ) & Future Travel Suraksha- Schengen Travel

There are single trip plans available in Future Travel Suraksha, Future Travel Suraksha Select, Future Easy Travel Worldwide, Future Easy Travel Schengen and Future Student Suraksha
The Annual multi trip option is available in below travel products:
a) Future Travel Suraksha – Gold and Platinum plans
b) Future Travel Suraksha – Schengen travel

For claims and related queries, you may kindly call: 24X7 helpline number: +91 22 6734 7841 National toll-free number: 1800 209 2333 (only from MTNL/ BSNL network) Land line number for Claims: +91 22 6734 7878; Fax number: +91 22 6734 7888

Address: Europ Assistance India Pvt. Ltd., 761 Solitaire Corporate Park. 167 Guru Hargovindji Marg, Chakala, Andheri(E), Mumbai – 400 093.
Email ID: fgi@europ-assistance.in

For any Worldwide Emergency Assistance Services, Medical Assistance Services, Travel Assistance Services and for availing Cashless Service during a travel abroad please call on the below UIFN (Universal International Freephone Number)/ ITFS (International Toll Free Service) numbers provided on policy documents.

Yes, this cover is available under Future Travel Suraksha and Future Travel Suraksha Schengen Travel.

Family plan is available under Asia & Schengen Travel plan

Travel Insurance is not mandatory in India. However for a safe and peaceful trip, we recommend that you should take as Travel insurance policy to take care of any contingencies that might arise during your journey; like sudden illnesses, misplaced passport, lost luggage etc

We offer minimum cover of 30,000 Euros under Schengen travel plan; 25,000 USD under Asia plan; and minimum 50,000 USD under World Plan. For Student Suraksha minimum cover under Asia plan (excluding Japan) is 25,000 USD and under World plan is 50,000 USD.

Yes, cashless mode of settlement is available in most of the overseas hospitalization cases. There is minimum deductible under Medical expenses and Emergency Dental relief cover which vary with the plan chosen (25-100 USD).

Your Health Insurance covers inpatient medical expenses in India i.e. expenses incurred outside India are not covered hence you must take a separate Travel Insurance policy to cover this risk. Moreover Travel Insurance is a bundled product i.e. it includes personal accident, loss of passport, loss and delay of baggage, daily allowance and more.

Our Travel Insurance plans takes care of any contingencies that might arise during your journey; like sudden illnesses, misplaced passport, lost luggage etc. The plan options have the following covers, which may vary depending upon the plan opted:
Cashless treatment during medical emergency
Emergency Medical Evacuation
Repatriation of Remains up to USD$ 10,000
Continuation of Medical Treatment in India
Daily Hospital Allowances
Emergency Sickness Dental Relief
Trip Delay
Trip Cancellation
Trip Curtailment
Missed Connection
Loss of Passport
Hijack Benefit
Checked in Baggage Delay
Checked in Baggage Loss
Compassionate visit
Financial Emergency Assistance
Accidental Death & Permanent Total Disablement
Accidental Death – Common Carrier
Accidental Death – Air Travel only
Personal Liability
Golfers Hole in One celebration
Automatic extension for 7 days
Home burglary insurance
Child Return Journey
Mental and Nervous Disorder *
Maternity Benefit *
Tuition Fee *
Sponsor protection *
Felonious Assault *
Bail Bond *
(* Available only in Future Student Suraksha plan)

Yes, extension facility is available under travel plans.

Coverage for travel on Ship, travel to Mansarovar, Haj and countries where travel restrictions have been issued by Government of India.

Yes, sub-limits are applicable under Future Travel Suraksha for policyholders who are of Age 56 years and above

a) Future Travel Suraksha Select plans - offers a cover for minimum of 1 day and maximum of 180 days. The policies can be extended for next 180 days subject to underwriting terms and conditions.
- For Standard Select and Silver Select plans the maximum trip duration can be 360 days including extensions.
- Prime Care Select plan the maximum trip duration shall not exceed 180 days in total.
b) Future Travel Suraksha plans offers a cover for minimum of 1 day and maximum of 180 days. The policies can be extended for next 180 days subject to underwriting terms and conditions. Superior Care Select plan the maximum trip duration shall not exceed 180 days in total.
c) Future Easy Travel Worldwide, Future Easy Travel Schengen plans - offers a cover for minimum of 1 day and maximum of 180 days. The policies can be extended for next 180 days.
d) Future Student Suraksha – offers a cover for minimum of 30 days and maximum of 2 years. The policy can be extended only once, provided the maximum trip duration inclusive of any extension shall not exceed 730 days including extensions.

There are single trip plans available in Future Travel Suraksha Select. The Annual multi trip option is available in our other travel product – Future Travel Suraksha and Future Travel Suraksha – Schengen travel

You can take annual multi-trip policy with us. Under Annual Multi-trip trips upto 30 days and 45 days duration are allowed depending on plan opted . You can also take single trip policy with us.

No, policy cannot be issued once travel has commenced

Yes, sub-limits are applicable under Future Travel Suraksha Select, Future Travel Suraksha, Future Easy Travel Worldwide for policyholders of Age 56 years and above.
Sub-limits are not applicable under Future Student Suraksha plan and Future Easy Travel Schengen.

For Future Travel Suraksha, Future Travel Suraksha Select, Future Easy Travel Worldwide, Future Easy Travel Schengen, Future Student Suraksha - There is no medical examination required, if there is no medical declarations in proposal form. However in case of any medical declaration, medical tests shall be advised by the Underwriting Team For Future Travel Suraksha Superior Care plan - Proposal with age of 71 years to 80 years, medical tests are required.

Yes, we offer Student travel plan for up to 2 years.

We depend on the global expertise of EUROP ASSISTANCE (Generali Group Company) for this service.

For claims and related queries, you may kindly call: 24X7 helpline number: +91 22 6734 7841 National toll-free number: 1800 209 2333 (only from MTNL/ BSNL network) Land line number for Claims: +91 22 6734 7878; Fax number: +91 22 6734 7888

Address: Europ Assistance India Pvt. Ltd., 761 Solitaire Corporate Park. 167 Guru Hargovindji Marg, Chakala, Andheri(E), Mumbai – 400 093. Email ID: fgi@europ-assistance.in

For any Worldwide Emergency Assistance Services, Medical Assistance Services, Travel Assistance Services and for availing Cashless Service during a travel abroad please call on the below UIFN (Universal International Freephone Number)/ ITFS (International Toll Free Service) numbers provided on policy documents.

We offer minimum cover of 30, 000 Euros under Schengen travel plan; 25, 000 USD under Asia plan; and minimum 50, 000 USD under World Plan. For Student Suraksha minimum cover under Asia plan (excluding Japan) is 25, 000 USD and under World plan is 50, 000 USD.

Yes, cashless mode of settlement is available in most of the overseas hospitalization cases. There is minimum deductible under Medical expenses and Emergency Dental relief cover which vary with the plan chosen (25- 100 USD).

Yes, extension facility is available under travel plans.

Yes, sub-limits are applicable under Future Travel Suraksha for policyholders who are of Age 56 years and above

Extensions can be granted on Future Easy Travel policies up to age 70 years (completed age) provided the request for extension is sent up to 7 days prior to the expiry of earlier policy period, to Fgcare@futuregenerali.in

There are total 12 plans available under Future Easy Travel Worldwide product. These are:

There are total 6 plans available under Future Easy Travel Schengen product. These are:

Future Easy Travel policies does not cover pre-existing diseases. If you are already suffering from any pre-existing disease then you would not be able to buy this plan online. However in case you still wants to take travel insurance from Future Generali, then you can visit our nearest branch

Yes, the product has plans with deductible and without deductible option under Medical Care.

Future Easy Travel Worldwide and Future Easy Travel Schengen plans offers a cover for minimum of 1 day and maximum of 180 days. However you can extend your policy trip for next 180 days.

Future Easy Travel Worldwide product is a travel product that can be purchased online. It provides insurance cover for travel abroad to all countries including US & Canada for business and leisure purpose.

We also have Worldwide plan excluding US & Canada for insurance cover for travel to countries excluding US & Canada.

Future Easy Travel Schengen product is a plan specially designed for customers travelling to Europe on a Schengen visa, which include Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, and Switzerland for business or leisure(This list of countries will be updated from time to time to include all countries which come under the definition of Schengen countries and where the Schengen visa is applicable. Travel to these countries will be covered under this plan)

There are single trip plans available in Future Easy Travel Worldwide and Future Easy Travel Schengen. The Annual multi trip option is available in our other travel product – Future Travel Suraksha and Future Travel Suraksha – Schengen travel

For claims and related queries, you may kindly call:
24X7 helpline number: +91 22 6734 7841
National toll-free number: 1800 209 2333 (only from MTNL/ BSNL network)
Land line number for Claims: +91 22 6734 7878; Fax number: +91 22 6734 7888

Address: Europ Assistance India Pvt. Ltd., 301, 'C' Wing, Business Square,
Andheri Kurla Road, Chakala, Andheri (East), Mumbai 400093.
Email ID: fgi@europ-assistance.in

For any Worldwide Emergency Assistance Services, Medical Assistance Services, Travel Assistance Services and for availing Cashless Service during a travel abroad please call on the below UIFN (Universal International Freephone Number)/ ITFS (International Toll Free Service) numbers provided on policy documents.

In case of any escalations kindly contact:

Claims department,
Future Generali Health (FGH),
Future Generali India Insurance Company Ltd.
Office No. 3, 3rd Floor, "A" Building, G - O – Square,
Near Mankar Chowk,
Aundh Hinjewadi Link Road,
Wakad, Pune - 411 057
Email: fgh@futuregenerali.in

Your Health Insurance covers inpatient medical expenses in India i.e. expenses incurred outside India are not covered hence you must take a separate Travel Insurance policy to cover this risk.

Moreover Travel Insurance is a bundled product i.e. it includes personal accident, loss of passport, loss and delay of baggage, daily allowance and more.

Travel Insurance is not mandatory in India. However it is mandatory in UK and countries like Austria, Greece, Portugal, Spain, France, Germany, Belgium, Luxemburg, Netherlands.

However for a safe and peaceful trip, we recommend that you should take a Travel insurance policy to take care of any contingencies that might arise during your journey; like sudden illnesses, misplaced passport, lost luggage etc

Yes, sub-limits are applicable under Future Easy Travel Worldwide for policyholders who are of Age 56 years and above.

Our Travel Insurance plans takes care of any contingencies that might arise during your journey; like sudden illnesses, misplaced passport, lost luggage etc. So travel the world under Future Easy Travel Worldwide or Future Easy Travel Schengen Policy. The plan options have the following covers:

1. Cashless treatment during medical emergency for up to US$ 5,00,000 (in case of Future Easy Travel Worldwide policy) Or, €200000 (in case of Future Easy Travel Schengen policy)

2. Emergency Medical Evacuation

3. Repatriation of Remains

4. Continuation of Medical Treatment in India

5. Daily Hospital Allowances

6. Emergency Sickness Dental Relief

8. Trip Cancellation

9. Trip Curtailment

10. Missed Connection

11. Loss of Passport

12. Hijack Benefit

13. Checked in Baggage Delay

14. Checked in Baggage Loss

15. Compassionate visit

16. Financial Emergency Assistance

17. Accidental Death & Permanent Total Disablement

18. Accidental Death – Common Carrier

19. Accidental Death – Air Travel only

20. Personal Liability

21. Golfers Hole in One celebration

22. Automatic extension for 7 days

23. Home burglary insurance

24. Child Return Journey

Coverage for travel on Ship, travel to Mansarovar, Haj and countries where travel restrictions have been issued by Government of India. Also we do not cover Travel to UN sanction countries. These countries are Afghanistan, Cote de Ivoire, Democratic Republic of the Congo, Democratic People's Republic of Korea, Eritrea, Iran, Iraq, Lebanon, Libya, Liberia, Somalia, Sudan. This list would be updated from time to time.

We depend on the global expertise of EUROP ASSISTANCE (Generali Group Company) for this service.

Both Future Easy Travel Worldwide and Future Easy Travel Schengen policy can be bought online.

Members of age 6 months to 70 years can buy Future Easy Travel Worldwide Policy and/or Future Easy Travel Schengen Policy.

No, policy cannot be issued once travel has commenced

No, there is no medical examination required to avail Future Easy Travel plans

Unless prior consent has been given by the Insurer, home insurance policy does not cover items like jewellery ornaments, art works, scripts, documentary information, computer system information, shares & stocks and cash. These can be covered on specific request and subject to valuation.

Fire insurance covers the structure of your home and along with any permanent fixtures and fittings like kitchen units and bathrooms. It covers the cost of repairing or re-building your home if it's damaged by flood, fire or any of the other risks detailed in the policy.

Future Generali’s Home insurance policy covers both, the structure of your home against Fire and allied perils as well as the contents.

Home insurance is a comprehensive Package Policy which provides protection to home owner, property and its contents against loss or damage by sudden, unexpected event or accidents.

The Home Insurance Policy covers:

Fire Insurance of the building and home contents
Burglary / Housebreaking
All Risk Insurance for jewellery, ornaments or high value items, portable equipments such as laptops
Electrical and Mechanical failures of domestic appliances
Protection of Electronic Equipment
Personal Accident for your family
Protection against liabilities like tenants legal liability, domestic workmens compensation and public liability
Enhanced protection to include coverage for Baggage, Plate Glass, Pedal Cycle, ATM Cash Withdrawal, Misuse of Credit Card, Veterinary Costs.

No, only building cannot be covered under Home insurance Policy. Cover for Building can be given only along with contents.

The most accurate way to determine the replacement / reinstatement cost of your home is to hire a building contractor or other building professional to produce a detailed estimate. Only the cost of the property’s structure and its associated systems, fixtures, and finishes will be included in the estimate. Land value is not included in the amount of insurance you buy.

Value of House Structure-

The value of your house structure should be insured for its replacement or reinstatement cost. Replacement / reinstatement cost is the cost necessary to repair or replace damaged items or structures in a manner similar to the construction of your house prior to the damage. When you insure your house structure for its replacement value, in the event of an unfortunate event, Future Generali will reimburse you for the cost of rebuilding or repairing your house, based on the size and structure of your house.

Value of Home Contents-

The best way to work out the value of your contents is to systematically go through every room and make an inventory. Don't leave anything out, whether it's a sofa set or a pair of curtains - they'd all need to be replaced if, say, there was a fire in your house.

You then need to work out how much it would cost to replace every single item on the list with a new one. The internet can help, or you might be able to find receipts and adjust for inflation. When you have a total, you should insure your contents for that amount. Don't simply guess the value of your contents: research shows that one in five households does not have enough insurance.

Just like the house structure, the contents should also be insured for replacement costs.

Earthquake and Terrorism are add on covers and can be opted as an extension to the Home insurance policy by paying an additional premium.

In simple terms, Under Insurance arises when you insure something for less than its value. In the event of a loss, you shall be at risk of being penalized in the amount you are able to recover. In these circumstances, the insurer may choose to "apply average" to the claim under an "average clause". This means that where the sum insured is inadequate, the insurer can reduce its liability for a claim by applying a proportionate approach.

Yes. If the fire damages the structure of your building, you could claim damages from the building insurance. Fire insurance only covers only damages to your house i.e the structure, and not the contents in it.

The term “first loss” refers to a form of partial insurance in which a property is insured for an amount much less than the full value of the property. This provision is only given in burglary insurance, where there is very little possibility that all items within the property would be stolen at any one given time. For e.g., if there is burglary in a large retail store, everything in the store would not be taken but only up to a certain amount would be lost, and this is what would be covered in the first loss insurance policy. The amount is calculated based on what is believed would be the biggest loss possible at a single instance of burglary.

Home insurance is a Householders' package policy for your House (owned building) and its contents. It is an umbrella policy that offers covers that are suitable for a household. eg. Fire & Allied perils; Burglary and housebreaking, Breakdown of electrical appliances etc

No, only fire insurance for building and contents and burglary and house breaking covers are mandatory.

Yes, if the house is for rent (not owned), then only contents of the house can be covered.

The home insurance policy provides protection against loss or damage to insured property due to burglary and housebreaking

Our Personal Cyber Risk Policy covers you for 1 year.

If you are between the ages of 21-50, you can buy our policy.

Malware attacks are the most common form of cyberattacks. Malware can cause changes in your computer system without your consent. These attacks can hamper your privacy and can compromise your data. Fraudsters can also use it to extract money from you.

Credit monitoring involves tracking someone’s credit history. This monitoring detects any suspicious transactions and activities.

The policy covers defence costs, counselling services, direct financial loss, and IT consultation services.

Option 1: You can either file an online claim (claim form)

Option 2: You can call us at this toll-free number (1800 266 1112).

We provide personal card loss cover as an add-on cover. You will have to pay an additional premium to get the benefit.

Yes, Portability will be granted to Policy holders of a similar Health Policy of another Insurer to Future Advantage Top-up Policy. Insured may apply 45 days in advance of the policy renewal date, but not earlier than 60 days from the premium renewal date of his/ herexisting policy to avail portability benefits.

Yes, you can cancel the policy – Client will need to submit nil claim declaration against the said policy. However refund amount will depend on duration of coverage of policy period. No refund of premium shall be due on cancellation if the Insured Person has made a claim under this Policy.
In case the Policy Period is of one year, We shall refund premium on short term rates for the unexpired Policy.
In case the Policy Period exceeds one year, this Policy may be cancelled by You at any time by giving at least 15 days written notice to Us. We shall refund premium on a prorate basis by reference to the time period for which cover is provided, subject to a minimum retention of premium of 25%.
In case of Policy Period more than one year, with instalment premium, the Rate of Premium refunded on cancellation will be basis the Instalment Frequency & Cancellation request received.

No increase/ decrease in Sum Insured during the currency of the Policy. However increase/ decrease in Sum Insured and/or deductible or change in cover, can be requested at the time of Renewal of the Policy. You can submit a request for the changes by filling the Proposal before the expiry of the Policy.The enhancement is subject to underwriting guidelines and policy terms & conditions.

The policy terms are 1 year, 2 years and 3 years.

The product is offered from Day 1 to Lifelong

Yes, Future Advantage Top-up Policy can be taken as a stand-alone plan. It can also be taken along with other Health Insurance Policies (e.g. Future Health Suraksha) or Group Insurance Plans.

Future Advantage Top-Up is a high deductible health insurance plan which pays for inpatient medical expenses in excess of the prescribed deductible limit. The deductible will apply on aggregate basis towards hospitalisation expenses incurred during the policy period.

No, Future Advantage Top-Up can be availed by Indian National only.

Yes, there are waiting periods as detailed in the table below:

The Discounts available under the Future Advantage Top-up are

Family discount – 10% Family discount, in case if more than one insured covered under the same policy on individual sum insured basis. For the policy with coverage for one adult with one or more children, the family discount shall be on basis of age of the Adult specified in the table below.

Long term discount – Applicable in case of single premium payment for policy term of more than one year

Loyalty discount – 2.5% loyalty discount if the client already has a separate health insurance policy (other than Future Advantage Top-up/ Personal Accident/ Travel) from Future Generali India Insurance Co. Ltd. The loyalty discount shall continue only if the insured maintains the separate health insurance policy with us. Please provide the policy copy to avail the discount. In case the policy copy is not submitted, discount shall not be allowed
Direct Sales Discount – A discount of 15% in lieu of intermediary commissions if policy is taken directly from the insurer and /or Online.
Plan Discount – If an Insured opts for Elite Plan, then a discount of 30% shall be available on the premium applicable for Supreme Plan

Premium is charged on the basis of Age of Insured person, Sum Insured & Deductible opted.

Supreme Plan – includes cover for all ailments including Heart related conditions and Cancer
Elite Plan – includes cover for Cancer and ailments related to Heart

Yes, Pre-insurance medical examination will be conducted on the basis of adverse medical declarations in the proposal form, age of member, sum insured and deductible opted.

There is 100% reimbursement of Pre-Policy Tests charges, subject to policy issuance and 64 VB compliance.

Future Health Surplus (Top-Up plan) is a high deductible health plan which pays for inpatient medical expenses in excess of the prescribed deductible limit. The deductible is applied on each and every claim.

Future Advantage Top-Up (Super Top-up plan) is similar to top—up plan, except that in top-up plan the deductible is applied on each and every claim whereas in super top-up plan the deductible will apply on aggregate basis towards hospitalisation expenses incurred during the policy period.

The illustration below will help you better understand how both these plans are beneficial.

You have an option to opt for waiver of the Deductible and opt for any indemnity health insurance policy (without any Deductible) offered by Us for the same Sum Insured without re-valuation of health status or any Pre-Policy check-up provided that:
You/ Insured Person has been insured with Us for the first time under this Policy before the age of 50 years and have Renewed with Us continuously and without any break in insurance for a minimum period of 5 years.
This option for waiver of Deductible can be exercised by You/ Insured person at Renewal when Your/ Insured Person’s completed age is within the age group of 54-60 years however only after being continuously renewed under this Policy without any break for a period of 5 years or more.

Yes. Tax benefits are available for health insurance policies under Sec. 80D of the Income Tax Act.

Product will cover claims of only those benefits that are mentioned in the Policy Wordings. Claims that are out of scope of the coverage / excluded in the product will get declined. Also in the event of misrepresentation, misdescription or non-disclosure of any material fact, fraud, Non-cooperation the claim will get declined.

We will provide cumulative bonus for every claim free year. We shall increase in the Sum Insured by 10% towards Cumulative Bonus for every claim free year on the basic Sum Insured up to the maximum of 50% of the sum insured.

Deductible means a cost sharing requirement under a health insurance policy where the insurance company will not be liable for eligible medical expenses up to a specified rupee amount, that incur in a policy period, as opted i.e. it is the amount up to which the insurance company will not pay for all the claims incurred in a policy year under the policy.

• The Deductible will apply on Individual basis in case of Individual Policy and on family floater basis in case of Family Floater Policy.
• A Deductible does not reduce the Sum Insured.

Example of Deductible:
Insured A has policy (Policy Period - 1st Jan 2018 to 31st Dec 2018)

Applicable based on health status of the proposed Insured person. Underwriting loading of premium will be applicable on the particular Insured’s premium in case of Individual policy and Floater policy

For 1-yearpolicy term, premium can be paid on:

For 2 and 3 years policy term, premium can be paid on:

• Single premium payment with Long term discount
• Instalment basis - Half-yearly/ Quarterly/Monthly mode.

Please note instalment facility is currently available for policy terms of 2 years and 3 years only &Insureds have an option of paying premium on instalment basis.
Instalment Loading – Loading will be applicable on Standard premiums in case of instalments

In case of instalment, if monthly mode is opted, minimum 2 months premium needs to be collected for policy issuance.

Yes, however the waiting period of 24 months will be applicable from inception of Your first Future Advantage Top-Up Policy with Us. We cover the Medical Expenses incurred under Alternative Treatment with respect to the Hospitalization under Ayurveda, Unani, Siddha or Homeopathy provided that the Treatment has been undergone in a government Hospital or in any institute recognized by government and/or accredited by Quality Council of India/ National Accreditation Board on Health for that Alternative Treatment.

Yes, A person may be added as an insured during the Policy Period after his application has been accepted by Us, an additional premium has been paid and Our agreement to extend cover has been indicated.

A Grace Period of 30 days is permissible for all policies. Policy will be considered as continuous for the purpose of all waiting periods and cooling off period. For Renewal Proposal received after completion of Grace Period of 30 days, all waiting periods would apply afresh.

Lifelong Renewability is available under Future Advantage Top-up.

No, one member cannot buy multiple policies.

Yes, cashless facility is available

Client can cover Up to 5 Dependent children and 2 dependent parents under Individual plan in the single policy.
Sisters and brothers cannot be covered as dependants.

In cases where the actual medical expenses cross the threshold limit i.e. deductible, this policy will help. Moreover this policy provide extra coverage at low premium and can be opted in combination with other Health Insurance Policies (e.g. Future Health Suraksha/ Health Total) to provide higher coverage at reasonable premium.

An individual of age 18 years can buy this policy.

Yes, pre (60 days) and post (90 days) hospitalisation is covered

Yes, you can insure yourself, your spouse and up to 3 dependent children under a floater policy.
Or, you can insure yourself, your spouse and 5 dependent children under a floater policy.

Yes, you may port your existing policy by applying to us 45 days before your policy expiry date.

Yes, there are waiting periods for joint replacement (3 years) and Pre- existing condition (4 years)

No tests would be conducted in case of proposer/insured less than 55yrs and subject to clean proposal form (without health declaration). However in case of any health declaration medical test may be required regardless of age.

Health Surplus is a high deductible health plan which pays for inpatient medical expenses in excess of the prescribed deductible limit. The deductible is applied on each and every claim.

Yes, pre (60 days) and post (90 days) hospitalisation is covered.

It means prescribed deductible amount will be reduced from each admissible claim and balance amount paid. In cases where relapse within 45 days of first hospitalisation, single deductible will be applied on the total claim amount.

Yes, you can insure yourself, your spouse and up to 2 dependent children under a floater policy.

The maximum indemnity for Rs. 5 lakhs coverage with Rs. 2 lakhs deductible is Rs. 5 lakhs. For eg. If the Sum Insured is Rs. 5 lakhs and deductible is Rs. 2 lakhs, our liability for a claim of Rs. 7 lakhs would be Rs. 5 lakhs (which is over and above the deductible).

Yes, Health Surplus can be taken as a stand-alone plan. It can also be taken alongwith Health Suraksha or any other Individual Health Insurance or Group Insurance Plans.

Yes, cashless facility is available.

In cases where the actual medical expenses cross the threshold limit i.e. deductible, this policy will help. Moreover this policy has very attractive premium rates and can be opted in combination with Health Suraksha to provide higher coverage at reasonable premium.

Yes. Tax benefits are available for health insurance policies under Sec. 80D of the Income Tax Act.

Yes,there is a list of 130 day care procedures provided in the policy wordings. The condition of minimum 24 hours hospitalisation is waived for these day care treatments.

Now is the best time to think about and take health insurance.Lifestyle diseases and accidents are the major causes of hospitalisation even in young people.In-fact nowadays,there is an increase in health insurance claims inthe age band of 36-45.

Future Generali has a vast network of hospitals which provide cashless facility and you or your insured family members can avail cashless facility for inpatient medical expenses.Other expenses like pre and post hospitalisation are paid in reimbursement mode.

No,ideally you should insure your*family members also as you suffer financial loss if any uninsured member of your family is hospitalised.

Moreover as per Company underwriting guidelines the complete family needs to be covered.

*Family means self,spouse and 2 dependent children

Yes. Tax benefits are available for health insurance policies under Sec.80 D of the Income Tax Act.

Following four are unique features of Future Generali Health Suraksha:

1. Enhancement of 25%of available sum insured for accidental hospitalisation subject to a maximum of Rs 1 lakh.
2. In event of hospitalisation of child up to 10 years,we pay additional benefit of Rs 500 per day during period of hospitalisation.
3. In event of hospitalisation of insured above 60 years,we pay additional up to a maximum of Rs 350 per day towards nursing charges incurred at home post discharge from hospital.
4. If insured opts for Sum insured of equals to or more than Rs.6 lakhs,we pay additional benefit of Rs.500 per day during period of hospitalisation.

For more such features,please refer the plan overview.

Yes. Newly married spouse can be added in the policy subject to nil health declarations.Premium will be charged on pro rata basis.Fresh proposal form with duly signed prospectus is required to be submitted to nearest branch office of Future Generali.In fact you can also include your new born child over 90 days in the policy subject to nil health declarations.Premium will be charged on pro rata basis.Fresh proposal form with duly signed prospectus is required to be submitted to nearest branch office of Future Generali.

Tax benefits are provided by government to encourage people to secure their own health financing needs through commercial health insurance.However,this should not be the sole consideration for taking such important decision.

Yes, Future Generali PRIVILEGE program offers host of value added services to our valued Health Insurance customers.

If there is no claim during the policy period,10% additional sum insured(Cumulative bonus) is added at renewal. Maximum accumulation of 50% cumulative bonus is allowed. In event of claim 10% is reduced however the basic sum insured is always protected.

Future Generali’s Future Health Suraksha policy pays for Medical expenses incurred for hospitalisation due to illness or accident including pre and post hospitalisation expenses covering relevant medical expenses incurred 60 days prior to and 90 days after hospitalisation amongst a host of a other covers.For detailed list of coverages,please refer the plan overview.

Co-payment means a cost sharing requirement under a health insurance policy that provides that the policyholder/insured will bear a specified percentage of the admissible claims amount. A co-payment does not reduce the Sum Insured.

Co-Payments applicable under the policy are as given below:
1.As per the plan opted:

2.In case of admission in a room with rent higher than the entitled room limit

For an individual, the minimum age at entry is 18 years to 70 years. For child, the minimum age at entry is Day 1 to 25 years.

Yes, cashless facility is available

Yes, Pre-insurance medical examination is mandatory if the Insured’s age is above 50 years or if there is any adverse medical declaration in the proposal form.

Yes, pre (60 days) and post (90 days) hospitalisation is covered Yes, pre (60 days) and post (90 days) hospitalisation is covered. However combined expenses for Pre and Post hospitalisation are limited up to 2% of Sum Insured opted for each hospitalisation as detailed below:

Plan options available:

Yes, you can insure yourself, your spouse and up to 3 dependent children under a floater policy.

Yes, there are waiting periods as detailed in the table below:

Plan options available:

Yes. Tax benefits are available for health insurance policies under Sec. 80D of the Income Tax Act.

Future Aarogya Bimais anaffordable health insurance policy that covers entire family. It provides cover to anyone from day 1 to 70 years thereafter till lifetime.

No, the Sub limits are not applicable in Future Aarogya Bima policy.

The Sum Insured options available under this product are ₹ 200000, ₹ 300000, ₹ 500000

Government health insurance schemes are initiatives by the Government of India to provide affordable medical coverage to various sections of the population, especially the underserved economically weaker sections.

Some major government health insurance schemes in India include:

• Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PMJAY)
• Central Government Health Scheme (CGHS)
• Mahatma Jyotiba Phule Jan Arogya Yojana
• Rashtriya Swasthya Bima Yojana (RSBY)
• Bhanashah Swasthya Bima Yojana (BSBY)
• Aam Aadmi Bima Yojana (AABY)
• Pradhan Mantri Suraksha Bima Yojana (PMSBY)

Employee's State Insurance (ESI) Scheme

The eligibility for government health insurance plans varies from scheme to scheme. However, they are typically targeted at low-income families, employees in the organized sector, senior citizens, and other vulnerable groups.

You can apply for government medical insurance online or through designated government offices, depending on the scheme.

Government health insurance schemes in India typically cover expenses for hospitalization, medical treatment, surgery, accidental death, and accidental disability. However, some schemes might also offer maternity benefits to the insured individual.

Although govt health insurance schemes allow individuals to avail of treatments at various public and private hospitals, the exact list of empaneled hospitals can vary for different schemes.

HEALTH POWHER is a comprehensive plan that not only covers you and your entire family but also offers exclusive coverage for the unique health needs and challenges of women. Unlike standard health insurance, it includes coverage for maternity care, and gender-specific diseases like breast and cervical cancer, along with preventive care and wellness programs tailored for women.

Yes. HEALTH POWHER covers maternity expenses, along with newborn baby expenses, newborn baby defects, and newborn baby vaccination, ensuring both the mother and newborn are healthy and receive the required medical support.

Yes, HEALTH POWHER ensures the holistic well-being of women and offers coverage for mental health too. Additionally, women can also access 4 teleconsultation sessions with a professional to navigate their mental health journey.

Yes, with HEALTH POWHER, women can enjoy the following value-added services:

• Psychological Consultation – 4 four teleconsultation sessions with a professional.
• Women Fitness Program – 12 physical sessions to enhance your Physical health and fitness.
• Discounts on Wellness/fashion products – Up to 12% discounts across various wellness and fashion brands.
• Diet and Nutrition – 4 online sessions with dietitians or nutritionists.
• Spa Wellness Centers – 2 sessions at spa wellness centers to relax and rejuvenate.
• Face Yoga – 1 online session of face yoga to promote skin health.
• Fitness/yoga Membership – An annual regular plan of Shilpa Shetty’s Simple Soulful
• Health Content and Webinars – A wide range of health-related content and webinars.
• Health Check-up – 2 free home sample collections for health check-ups.
• Health and Wellness Marketplace – Exciting discounts on health and wellness products.

Survival period means the insured survives for a period of more than or equal to 28 days from the date of the first diagnosis of the listed Critical illness/ Undergoing for the first time of the Surgical Procedures (under listed Critical illness).

Critical Illness policy is a benefit policy which pays a lump sum amount on happening (diagnosis/surgery) of named critical illness. In contrast Health Insurance is an indemnity product which reimburses for incurred medical expenses with an option of cashless facility. Having both these covers is advisable to take care of any major financial crisis.

You are required to undergo medical test at our empanelled diagnostic centre.

No, the claim is paid on reimbursement basis. This being a benefit policy full sum insured is paid to the insured after survival period of 28 days.

We cover 12 critical illnesses.

1. Cancer
2. First Myocardial Infraction
3. Coronary Artery Bypass Graft (CABG)
4. End Stage Renal Failure
5. Major Organ Transplant
6. Stroke
7. Multiple Sclerosis
8. Aorta Surgery Graft
9. Primary Pulmonary Hypertension
10. Coma
11. Total Blindness
12. Liver Failure

Yes, you can cover self, spouse, children and dependant parents under family plan.

There is no death benefit under Critical illness policy.

Network Provider means hospitals or health care providers enlisted by Future Generali to provide medical services to an insured on payment by a Cashless Facility. (Please note: The Hospitals which have been empanelled by Us as Network Providers are as per the latest version of the schedule of Hospitals maintained by Us, which is available to You on request.) Non-Network Provider means any hospital, day care centre or other provider that is not part of the network.

Co-payment means a cost sharing requirement under a health insurance policy that provides that the policyholder/insured will bear a specified percentage of the admissible claims amount. There is a 5% co-pay for each and every claim made under the policy.

You can be advised Pre-insurance medical examination, on the basis of your Age, Sum Insured opted, and any health declaration in the proposal form. In case there is a health declaration, pre-insurance medical tests maybe advised.

Yes, following Sub limits are applicable under the policy:
a. Room Rent – Up to 2% of SI, subject to max of INR 5,000 per day
b. ICU charges – Up to 5% of SI, subject to max of INR 10,000 per day
c. Modern treatment methods and Advancements in technology (for listed procedures): Up to 50% of the Sum Insured.
d. Treatment of Cataract, subject to a limit of 25% of Sum Insured or Rs. 40,000/-, whichever is lower, per each eye in one policy year.

You can opt for below sum insured options on individual and floater sum insured basis: ₹ 50000, 1 Lac, 1.5 Lacs, 2 Lacs, 2.5 Lacs, 3 Lacs, 3.5 Lacs, 4 Lacs, 4.5 Lacs, 5 Lacs, 5.5 Lacs, 6 Lacs, 6.5 Lacs, 7 Lacs, 7.5 Lacs, 8 Lacs, 8.5 Lacs, 9 Lacs, 9.5 Lacs, 10 Lacs.

You may call on 1800 103 8889 to connect with our 24x7 call centre, or Fax us on 1800 103 9998,Or mail us on fgh@futuregenerali.in
You can submit your claim documents at our nearest branch office or you may even send documents at the following address

Claims Department
Future Generali Health (FGH)
Future Generali India Insurance Co. Ltd.
Office No. 3, 3rd Floor, “A” Building , G - O – Square
S. No. 249 & 250, Aundh Hinjewadi Link Road, Wakad, Pune - 411 057.
Toll Free Number: 1800 103 8889
Toll Free Fax: 1800 103 9998
Email: fgh@futuregenerali.in

You can get covered for expenses incurred for hospitalization under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems of medicines. The treatment has to be undergone in a government hospital or in any institute recognized by government and / or accredited by Quality Council of India / National Accreditation Board on Health for that Alternative treatment.

Future Arogya Sanjeevani Policy, Future Generali India Insurance Company Limited is a standard Health Insurance Product with wider coverage for the whole family.

If you are advised Pre-insurance medical examination, you have to first pay for the tests charges directly to the diagnostic centre. Upon acceptance of the proposal by Future Generali and issuance of policy for that member, you can claim for 50% reimbursement by submitting the original payment receipt.

The minimum age required for entry is 3 months. The Maximum age for entry is 65 years with Lifelong renewability. Children will be covered as dependents up to 25 years of age. If the child above 18 years of age is financially independent, he or she shall be ineligible for coverage in the subsequent renewals

If you pay the premium by any mode other than Cash / DD under the Policy, You shall be eligible for income tax benefit under Sec 80 D of the Income Tax Act and any amendments there on.

Recharge benefit is applicable for all plans, where the basic Sum Insured opted is ₹ 3 Lakhs and above. If the Basic Sum Insured and Cumulative Bonus (if any) is exhausted due to claims made and paid during the Policy Year, then the Su Insured will be automatically re-instated up to 100%, once in a policy year which is valid for that Policy Year only, subject to following conditions:
a) A claim will be admissible under this Benefit only if the claim is admissible under In-patient Hospitalization or Day Care Treatment.
b) The recharge shall be utilised only after the Sum Insured, Cumulative Bonus has been completely exhausted in that Policy Year.
c) The recharge shall be available only for all future claims for that Insured Person during that Policy Year. (Irrespective of whether the claim is for the same ailment for which he/she has claimed).
d) Cumulative Bonus shall not be considered while calculating the Recharge.
e) Any unutilized recharge cannot be carried forward to any subsequent Policy Year.
f) If the Policy is issued on Individual basis, then the recharge will be available to each insured person and can be utilised by Insured Persons who stand covered under the Policy before the Sum Insured was exhausted.
g) If the Policy is issued on Floater basis, then the recharged sum insured will be available on Floater basis for all Insured Persons in the family.
h) The waiting periods, the standard exclusions and the standard limits shall be applicable for the recharged sum insured.

Now is the best time to think about and take health insurance. Lifestyle diseases and accidents are the major causes of hospitalization even in young people. In-fact nowadays, there is an increase in health insurance claims in the age band of 36-45.

Pre-insurance medical examination is not required for any proposer, up to the age of 50 years, irrespective of the sums insured subject to the proposal form is clean (without health declaration).
If any of the member is of the age up to 55 years with sum insured up to ₹ 3 lacs then no pre-acceptance medical test is required.Insured is eligible for 100% reimbursement of pre-insurance medical tests charges, subject to policy issuance.

Yes, 100 % cost of pre-policy checkup would be refunded if the proposal is accepted & policy is issued

Yes, there is a list of 409 day care procedures provided in the policy wordings. The condition of minimum 24 hours hospitalisation is waived for these day care treatments.

Medical tests will not be asked for at renewals if the renewal is as per exiting terms & conditions.

Yes there is Room Rent capping in following plans:
a. Gold (for Sums Insured ₹ 50000/-, ₹ 1 lakh and ₹ 1.5 lakhs)– up to 1% of the Sum Insured (excluding Cumulative Bonus) per day for non-ICU room. If admitted into Intensive Care Unit (ICU) up to 2% of the SumInsured per day. All admissible claims under Room rent, Board & Nursing Expensesduring the Policy year, shall be payable maximum up to 35% of the Sum Insured per claim.
b. Topaz and Ruby Plans – up to 1% of the Sum Insured (excluding Cumulative Bonus) per day for non-ICU room.

No, once the product is launched then the policies will be booked in revised Future Health Suraksha policy only.

No, Cumulative bonus is the 10% of base sum insured for every claim free year to maximum of 50%. The same will reduce by 10% in a year where claim is paid.

Future Generali has a vast network of hospitals which provide cashless facility and you or your insured family members can avail cashless facility for inpatient medical expenses. Other expenses like pre and post hospitalisation are paid in reimbursement mode.

Revised Future Health Suraksha is designed to suit all your health care needs. It provides a range of benefits to ensure that you are covered for the larger expenses related to illness/ surgery with additional coverages like reinstatement of Sum Insured, ambulance charges, organ donor expenses and many more.

Self, Spouse, up to 4 dependent children up to the age of 25 years and 2 dependent parents can be covered under the Individual Policy. Self, Spouse, up to 3 dependent children up to the age of 25 years can be covered under Family Floater Policy.

No,ideally you should insure your*family members also as you suffer financial loss if any uninsured member of your family is hospitalised.
Moreover as per Company underwriting guidelines the complete family needs to be covered. * Family means Self, Spouse and up to 4 dependent children up to the age of 25 years and 2 dependent parents in the Individual Policy. Or Self, Spouse and up to 3 dependent children up to the age of 25 years in the Family Floater Policy.

No there is no sum insured restriction above 55 years in the revised Future Health Suraksha policy

Tax benefits are provided by government to encourage people to secure their own health financing needs through commercial health insurance. However, this should not be the sole consideration for taking such important decision.

Yes. Tax benefits are available for health insurance policies under Sec.80 D of the Income Tax Act.

Following four are unique features of Future Generali Health Suraksha:
1.Enhancement of 25%of available sum insured for accidental hospitalisation subject to a maximum of ₹ 1 lakh.
2. In event of hospitalisation of child up to 10 years, we pay additional benefit of up to ₹ 500 per day during period of hospitalisation.
3. In event of hospitalisation of insured above 60 years,we pay additional benefit of
a) up to a maximum of ₹500 per day towards nursing charges incurred at home post discharge from hospital for Gold or Platinum Plan, or
b) up to a maximum of ₹ 350 per day towards nursing charges incurred at home post discharge from hospital for Topaz or Ruby Plan.
4. If insured opts for Sum insured of equals to or more than ₹ 6 lakhs in Platinum or Ruby Plan,we pay additional benefit of ₹ 500 per day during period of hospitalisation.
5. Recharge Benefit is applicable for all plans, where the basic Sum Insured opted is 3 Lakhs and above. If the basic Sum Insured and Cumulative Bonus (if any) is exhausted due to claims payable, Sum Insured (equal to 100% of the Sum Insured) will be automatically restored for the particular Policy Year subject to policy terms and conditions. For more such features,please refer the plan overview.

Yes, one choose separate plans and separate sum insured for different family members provided the sum insured of self is higher than dependents.

Yes you can enhance your sum insured, in case of claim or any health declaration the enhancement will be accepted subject to underwriting approval.

For family floater policy, the premium is charged as per the highest age in the family & as per the plan opted.
e.g. If the proposal is of Self + Spouse for 2lacs, the proposer is wife of age 25years & husband as dependant of 30years, the premium would be calculated as per the highest age band, i.e. husband’s age would be considered for premium calculation.

The premium Premium will be calculated based on the Sum Insured opted, Age and Zone (Default Zone of Cover will be based on location of Your residence).There are three zones – Zone A,Zone B and Zone C.

*Please note the Cities/Towns that fall under respective Zones shall be identified as per the updated/ latest Jurisdiction defined by Government.

Yes. Newly married spouse can be added in the policy subject to nil adverse health declarations.
Premium will be charged on pro rata basis. Fresh proposal form with duly signed prospectus is required to be submitted to nearest branch office of Future Generali.
In fact you can also include your new born child over 90 days in the policy subject to nil adverse health declarations. Premium will be charged on pro rata basis. Fresh proposal form with duly signed prospectus is required to be submitted to nearest branch office of Future Generali.

In the existing Future Health Suraksha road ambulance was ₹ 1500/- per hospitalization. However the same is now revised to
a. ₹ 2000/- per hospitalization for Gold and Platinum plans
b. ₹ 750/- per hospitalization and overall limit of ₹ 1500/- per policy period for Topaz and Ruby plans

Policy can be taken for 1 year/ 2 years/ 3 years.

Cumulative bonus will be calculated on annual basis for long term polices same will reflect on the renewal notice

Yes there are sub limits –

a) Room rent, Board & Nursing Expenses for Gold plan (for Sums Insured ₹ 50000/-, ₹ 1 lakh and ₹ 1.5 lakhs)– up to 1% of the Sum Insured (excluding Cumulative Bonus) per day for non-ICU room. If admitted into Intensive Care Unit (ICU) up to 2% of the Sum Insured per day. All admissible claims under Room rent, Board & Nursing Expenses sectionduring the Policy year, shall be payable maximum up to 35% of the Sum Insured per claim. b) Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialists Feesfor Gold plan (for Sums Insured ₹ 50000/-, ₹ 1 lakh and ₹ 1.5 lakhs) – up to 35% of the Sum Insured (excluding Cumulative Bonus) per claim.
c) Anaesthesia, Blood, Oxygen, Operation Theatre Charges, Surgical Appliances, Medicines & Drugs, Diagnostic Materials and X-ray, Cost of Pacemaker, prosthesis/internal implants and any Medical expenses incurred which is integral part of the operation for Gold plan (for Sums Insured ₹ 50000/-, ₹ 1 lakh and ₹ 1.5 lakhs) – up to 40% of the Sum Insured (excluding Cumulative Bonus) per claim.
d) Hospital cash benefit for Platinum plan – ₹ 500/- per day, up to 60 days.
e) Patient care benefit for Gold and Platinum plans –₹ 500/- per day, maximum up to 10 days and 30 days in a policy period.
f) Accompanying Person for Gold and Platinum plans – ₹ 500/- per day for child up to 10 years, maximum up to 30 days in a Policy Year.
g) Ambulance chargesfor Gold and Platinum plans – ₹ 2000/- per hospitalization.

Future Health Suraksha – Topaz and Ruby Plans

a) Room rent, Board & Nursing Expenses for Topaz and Ruby Plans – up to 1% of the Sum Insured (excluding Cumulative Bonus) per day for non-ICU room.
b) Pre-Hospitalisation Medical expenses for Topaz and Ruby Plans – up to 1% of the Sum Insured (excluding Cumulative Bonus).
c) Post-Hospitalisation Medical expenses for Topaz and Ruby Plans – up to 1% of the Sum Insured (excluding Cumulative Bonus).
d) Hospital cash benefit for Ruby plan – ₹ 500/- per day, up to 60 days.
e) Patient care benefit for Topaz and Ruby plans –₹ 350/- per day, maximum up to 10 days and 30 days in a policy period.
f) Accompanying Person for Topaz and Ruby plans – ₹ 500/- per day for child up to 10 years, maximum up to 30 days in a Policy Year.
g) Ambulance chargesfor Topaz and Ruby plans – ₹ 750/- per hospitalization and overall limit of ₹ 1500/- per policy period.
h) Disease wise sub-limits for Topaz and Ruby plans

There are 4 plans in revised Future Health Suraksha policy and the Sum Insured are as per the Plan opted.

Yes, at the end of every continuous period of 4claim free years.

Yes there are discounts under the Revised Future Health Suraksha policy and some are new addition w.r.t existing Future Health Suraksha policy 1. Family Discount- Family discount of 10% is applicable in case more than one family member is covered on individual sum insured basis in the same policy, except for the policy with coverage for one adult with one or more children, the family discount shall be on basis of age of the Adult as per below table: Age Bands Discount

2. Long term Discount (on single premium payment) –
a) 5% discount is applicable if policy is opted for 2 years
b) 10% discount is applicable if policy is opted for 3 years
3. Loyalty Discount – 2.5% discount if the client already has a separate Retail Health insurance policy (other than Future Health Suraksha/ Personal Accident /Travel) from Future Generali India Insurance Co. Ltd.The loyalty discount shall continue only if the insured maintains the separate health insurance policy with us

Organ Donor Expenses, Recharge of Sum Insured benefit are newly added features in revised Future Health Suraksha policy.

There is no limit for Day Care procedures, any procedure according to the definition of Day Care Center & Day Care Treatment can be covered.

This is a new addition of benefit in revised Future Health Suraksha policy. In this we will pay the Reasonable and Customary Charges incurred for an organ donor’s treatment for the harvesting of the organ donated.

Renewal is for Lifetime. For Dependent Children– Renewal in same policy is up to 25 years. Once the dependent child crosses the age of 25 years, the child will have to take separate policy as proposer.

If there is no claim during the policy period,10% additional sum insured(Cumulative bonus) is added at renewal. Maximum accumulation of 100% cumulative bonus is allowed. In event of claim 10% is reduced however the basic sum insured is always protected.

Policy provides Individual as well as Family Floater Sum Insured basis for following Sum Insured options.

There are following waiting periods in the revised Future Health Suraksha policy

Yes the cumulative bonus will be passed from existing Future Health Suraksha to Revised Future Health Suraksha.

Future Generali’s Future Health Suraksha policy pays for Medical expenses incurred for hospitalisation due to illness or accident including pre and post hospitalisation expenses covering relevant medical expenses incurred 60 days prior to and 90 days after hospitalisation amongst a host of a other covers. For detailed list of coverage's, please refer the plan overview.

Now is the best time to think about and take health insurance. Lifestyle diseases and accidents are the major causes of hospitalisation even in young people. In-fact nowadays, there is an increase in health insurance claims in the age band of 36-45.

Yes, there is a list of 130 day care procedures provided in the policy wordings. The condition of minimum 24 hours hospitalisation is waived for these day care treatments.

Future Generali has a vast network of hospitals which provide cashless facility and you or your insured family members can avail cashless facility for inpatient medical expenses.Other expenses like pre and post hospitalisation are paid in reimbursement mode.

No, ideally you should insure your*family members also as you suffer financial loss if any uninsured member of your family is hospitalised.

Moreover as per Company underwriting guidelines the complete family needs to be covered.

*Family means self,spouse and 2 dependent children

Tax benefits are provided by government to encourage people to secure their own health financing needs through commercial health insurance. However, this should not be the sole consideration for taking such important decision.

Yes. Tax benefits are available for health insurance policies under Sec.80 D of the Income Tax Act.

Following four are unique features of Future Generali Health Suraksha:

• Enhancement of 25% of available sum insured for accidental hospitalisation subject to a maximum of Rs 1 lakh.
• In event of hospitalisation of child up to 10 years, we pay additional benefit of Rs 500 per day during period of hospitalisation.
• In event of hospitalisation of insured above 60 years, we pay additional up to a maximum of Rs 350 per day towards nursing charges incurred at home post discharge from hospital.
• If insured opts for Sum insured of equals to or more than Rs.6 lakhs,we pay additional benefit of Rs.500 per day during period of hospitalisation.

For more such features,please refer the plan overview.

Yes, Future Generali PRIVILEGE program offers host of value added services to our valued Health Insurance customers.

If there is no claim during the policy period,10% additional sum insured(Cumulative bonus)is added at renewal. Maximum accumulation of 50% cumulative bonus is allowed.In event of claim 10%is reduced however the basic sum insured is always protected.

Future Generali’s Future Health Suraksha policy pays for Medical expenses incurred for hospitalisation due to illness or accident including pre and post hospitalisation expenses covering relevant medical expenses incurred 60 days prior to and 90 days after hospitalisation amongst a host of a other covers. For detailed list of coverages, please refer the plan overview.

Yes, for every continuous and claim free year, 5% increase in the Base Sum Insured will be available, provided the policy is renewed without a break subject to maximum of 50% of the sum insured.

This depends on your risk perception and cover under Saral Suraksha Bima is made available based on your current income. Base cover is given up to 144 x (times) your monthly income.

Self, spouse, Parents and Parents in-law, and dependent children can be covered in a single Saral Suraksha Bima policy.

Yes this must be informed to the insurance company in writing within 30 days of the change by filling a fresh Proposal Form. If not disclosed within the said period, then the insurance will cease as far as the Insured Person is concerned from the date of change of Occupation.

No, weekly compensation benefit is given to earning people only however benefit up to Rs. 0.2% of base sum insured per week for 100 weeks may be allowed for your wife if she is insured as a dependent under your Saral Suraksha Bima.

You have taken a considered decision of taking a Life Insurance policy which is indeed wonderful however protection offered by Personal Accident policy is far wider in terms of coverage e.g. In personal accident policy.you may opt for Weekly compensation for Accidental Temporary Disability, Education Grant and Hospitalisation Expenses due to Accident covers.

Individuals from age 18 years to 70 years can opt for Saral Suraksha Bima, Future Generali India Insurance Company Limited. Children from age 3 months to 25 years can opt as a dependent.

At Future Generali, we offer flexibility to our valued customers to select the optimum coverage as per income.

Hospitalisation expenses due to accident are paid for inpatient treatment on reimbursement basis.

Yes, the coverage under Future Generali’s policy is worldwide and 24X7 except when you are travelling to countries where Government of India has imposed travel and other restrictions. However, claims, if any, will be paid in Indian currency only.

Nuclear, chemical and biological terrorism is not covered under Saral Suraksha Bima.

Apart from base covers viz. Accidental death, Permanent Total disability, Permanent Partial disability; Future Generali offers optional covers like and Temporary Total Disability, Education Grant and Hospitalisation Expenses due to Accident benefit to choose from.

Maximum renewal age up to 70 years.

Tax benefits are not available under Saral Suraksha Bima.

The loan borrowers of banks and financial institutions, will be eligible for the policy. The minimum age for taking this policy is 18 years to maximum 65 years and is renewable up to 70 years.

The following Critical Illnesses are covered under the policy:

(A) First Diagnosis of the below-mentioned Illnesses

• Cancer of specified severity.
• Kidney failure requiring regular dialysis (End Stage Renal Failure).
• Multiple Sclerosis with persisting symptoms.
• Benign Brain Tumor.
• Parkinson’s Disease.
• End Stage Liver Disease.
• Alzheimer’s Disease.

(B) Undergoing for the first time of the following surgical procedures

• Major Organ / Bone Marrow Transplant.
• Open Heart Replacement or Repair of Heart Valves (Heart Valve Replacement).
• Open Chest CABG (Coronary Artery Bypass Graft).
• Surgery of Aorta.

(C) Occurrence for the first time of the following medical events

• Stroke resulting in permanent symptoms.
• Permanent Paralysis of limbs.
• Myocardial Infarction (First Heart Attack of specified severity).
• Coma of Specified Severity.
• Major Burns.
• Deafness.
• Loss of Speech.

Yes, Medical test will be required for all the Insured(s) who are above age of 50 years.

The Company shall not be liable to make any payment directly or indirectly arising out of the following events:

A. Critical Illness

Pre-Existing Illness/ Disease. Medical Expenses incurred for the listed Critical Illnesses diagnosed within 90 days of the commencement of the Policy. Any external congenital Illness or condition or birth defects. Pregnancy, child birth. Any Critical Illness arising out of use, abuse or consequence or influence of any substance (substances that are abuse like illegal drugs, opioids, marijuana etc.), intoxicant, drug, alcohol or hallucinogen. Any sexually transmitted diseases, AIDS etc. 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, nuclear, chemical or biological attack.
B. Personal Accident

Pre-Existing Illness/ Disease. Accidental death or permanent disability due to mental disorders or disturbances of consciousness, strokes, fits or convulsions which affect the entire body and pathological disturbances caused by the mental reaction to the same. Suicide or attempted Suicide. Intentional self-inflicted injury. Working in underground mines, tunnelling or explosives, or involving electrical installation with high tension supply, or as jockeys or circus personnel, or engaged in Hazardous Activities.
C. Loss of Job

In the event of termination, dismissal, temporary suspension or retrenchment from employment of the Insured person being attributed to dishonesty or fraud or poor performance The Company shall not be liable to make any payment under this Policy in connection with or in respect of:
Self-employed persons; Any claim relating to unemployment from a job which is casual, temporary, seasonal or contractual in nature or any claim relating to an employee not on the direct rolls of the employer; Any voluntary unemployment; Unemployment at the time of inception of the Policy Period or arising within the first 90 days of inception of the Policy Period.
Any unemployment from a job under which no salary or any remuneration is provided to the Insured person. Any suspension from employment on account of any pending enquiry being conducted by the employer/ Public Authority. Any unemployment due to resignation, retirement whether voluntary or otherwise. Any unemployment due to non-confirmation of employment after or during such period under which the Insured was under probation.

The premium will not vary basis the type of loan and/or interest rates.

No, Personal Accident benefit covers only – Accidental Death or Permanent Total Disablement (PTD) due to accident under this policy.

Loss of Job is an optional cover and can be opted by salaried members only.
Insured event , under Loss of Job cover in relation to any Insured Person shall mean termination from employment of the Insured Person or lay off, his permanent dismissal or retrenchment from employment imposed on him by the employer due to any of the following:

First time diagnosis of any of the covered critical Illness for which a claim is admissible and payable under Critical Illness, during the policy period, or

Permanent Total Disability occurring due to an accident during the policy period for which a claim is admissible and payable under Personal Accident- Death and Disability.

Please refer policy wordings for detailed definitions of the covers and exlcusions.

There is a waiting period of 90 days in case of Critical illness and loss of Job covers i.e. the critical illness discovered or discoverable within 90 days from the inception of the Policy shall not be covered. Loss of Job occurring within the first 90 days of the policy is not payable.
There will be no waiting period for Personal Accident cover (Accidental Death and/ or Permanent Total Disablement).

The Policy can be taken for tenure of 1, 2, and 3 years.

Surakshit Loan Bima is a benefit policy that pays lump-sum amount on occurrence of the event to the insured. The lump-sum amount helps the insured i.e. loan borrowers of banks and financial institutions to guard him/ her and their family against the trauma they face for repayment of loan in the event of unfortunate incidences.
The Health insurance policy reimburses the actual medical expenses incurred by the insured during hospitalization up to the Sum Insured amount.

No, only salaried members can opt for Loss of Job cover. In case where Loss of Job is not opted, the member will get a premium discount of 10%.

No, this policy doesn’t cover natural death. The policy covers death due to an accident and critical illness specified in the policy.

Surakshit Loan Bima is a policy designed for the loan borrowers of banks and financial institutions. This Insurance Policy provides a comprehensive protection and is specifically designed to guard you and your family against the trauma you face for repayment of your loan in the event of unfortunate incidences which includes:
Maximum 18 listed Critical Illnesses
Personal Accident – Accidental Death, or Permanent Total Disablement (PTD) due to accident
Loss of Job (Optional cover) – can be opted for only Salaried Employees

This product will be offered on individual Sum Insured basis, covering up to a maximum of 4 applicants (1 main applicant and maximum 3 co-applicants).

Some of the common Vector-borne diseases in India include Malaria, Dengue, Lymphatic Filariasis, Kala-azar, Japanese Encephalitis, Chikungunya, Zika Virus.

The Sum Insured options available under this product are ₹ 10000, ₹ 25000, ₹ 50000 and ₹ 75000

This health insurance product provide a lump sum benefit in case the insured is diagnosed with serious diseases caused by vectors.
Lump-sum payment of 100% will be made if the policyholder gets hospitalized for minimum 24 In-patient care consecutive hours due to any of the following conditions:

iii. Lymphatic Filariasis

v. Japanese Encephalitis

Premium is charged on the basis of Sum Insured opted.

Vectors are the organisms that transmit pathogens (microorganisms that can cause disease) and parasites from one infected organism to another without falling ill themselves.
Vector-borne diseases are a group of globally distributed and rapidly spreading serious diseases that are caused by Vectors.

No benefit will be paid under this plan in case of 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

• Hospitalisation primarily for any purpose which routinely could have been treated 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.

• Convalescence, rest cure, sanatorium treatment, rehabilitation measures, respite care, long term nursing care or custodial care and general debility or exhaustion.

No, cashless facility is not available in this product. Claims payment is only on reimbursement basis.

Yes, you can. Each member will be entitled for separate Sum Insured and premium will be charged for each member separately. For this purpose, Family shall include Self, Spouse, maximum up to 3 Dependent Children and 2 Dependent Parents.

Yes, there will be an initial waiting period of 15 days from commencement of policy. However this will be increased to 60 days in case the insured is suffering from any one of the listed conditions, except Lymphatic Filariasis at the time of taking the policy. Further, in case the insured is suffering from Lymphatic Filariasis, at the time of taking the policy, it will be excluded from the Policy.

An individual of age 18 years to 65 years can buy this policy without any medical tests on annual basis.

Our FG Health Absolute insurance is designed specifically to cover the complete physical and mental well-being of your entire family. It allows you to cover up to 15 members under the same policy. You can enjoy several benefits including reward points that are not present in a standard health insurance plan.

You can opt for these sum insured options on individual and floater sum insured basis- ₹ 3L, ₹ 5L, ₹ 10L, ₹ 15L, ₹ 20L, ₹ 25L, ₹ 30L, ₹ 35L, ₹ 50L, ₹ 75L, ₹ 1Cr.

You can FG Health Absolute opt for 1, 2, or 3 years.

The minimum age to be covered under FG Health Absolute is 1 day and there is no restriction for the maximum age. However, renewal of the policy can be lifelong.