Personal Accident Insurance
Find out how this plan works for you
Accidents can happen when you least expect it, and a serious injury or accidental death could have devastating financial consequences for you and your family.
The value of human life and sufferings cannot be measured with money, but with a view to provide some relief to you or members of your family in the event of an unfortunate accident, Personal accident insurance can help protect your financial security until you get back on your feet and return to work.
18 years to 70 years with a lifetime renewal option.
5 years to 25 years can be covered as dependents.
Maximum Sum Insured
Maximum sum insured is based on the monthly income of the person:
|Cover||Maximum Multiplying Factor on Monthly income|
|*Class 1||*Class 2||*Class 3|
|Permanent Total Disablement||72||60||48|
|Permanent Partial Disablement||36||36||24|
|Temporary Total Disablement||24||24||Not applicable|
- Disability or Death Due to Accident:
Permanent Total Disability, Permanent Partial Disability, Temporary Total Disability & Death arising due to Accident
- Repatriation Benefit:
An inbuilt cover for Repatriation Benefit and Funeral Expenses-An amount up to a maximum of 1 % of the Accidental Death Sum Insured would be reimbursed for the repatriation of the insured person’s remains subject to maximum of Rs. 12,500. No additional premium to be paid for this cover
Terrorism is covered.
- Hospital Cash Allowance:
You may apply for per day hospital cash (subject to limits as specified in the policy schedule), in the event of an accidental bodily injury and subsequent hospitalisation.
- Loan Protector:
In the event of accidental death or permanent total disablement, lump sum amount as specified in the policy schedule shall be paid
- Adaptation Allowance:
In case of a Permanent Total disablement arising out of an accident an amount upto 10% of the principal sum insured subject to maximum of Rs. 50,000 will be reimbursed to you towards the cost of modifying your house or vehicle
- Family Transportation Allowance:
When as a result of an accident resulting in either accidental death or permanent total disablement or permanent partial disablement, the insured person is confined in a hospital outside 100 kms of his residence, we will reimburse the actual transportation expenses incurred by the immediate family member on recommendation of a medical practitioner, to reach the insured person limited upto 10% of the Principal Sum Insured subject to maximum Rs. 50,000
- Additional covers on paying an extra premium:
The following are not included: Child Education Support, Life Support Benefit, Accidental Medical expenses, Accidental Hospitalisation.
Exclusions of this plan
Prior to the Inception of the Policy
Any existing disablement prior to the inception of the policy.
Suicide or attempted suicide is not covered.
Military or Armed Forces
Serving in military, armed forces.
Influence of Intoxicants
Under the influence of drugs, alcohol & other intoxicants.
Event of Riots or War
Participation in felony, riots, war etc.
Exposure to Radioactive Materials
Exposure to nuclear, radioactive materials.
Loses Due to Pregnancy
Loss due to child birth or pregnancy.
Pre and Post Hospitalisation expenses and alternative treatments are not covered under accidental hospitalisation cover.
- To view the list of Non – Payable items, click here.
Disclaimer: The above exclusions are indicative in nature, for detailed exclusions please refer the Policy Wordings
How can you buy this Policy?
Buy your Health Insurance Plan Online
Buying your health insurance plan online for you and your Family in simple steps.
Get an Online Quote
It takes just a few minutes to generate your quote online.
a. Select your policy type. If you are looking for an individual health insurance plan, each individual of a family is entitled to a sum insured you opt. In a family floater, the sum insured is shared by all members of the family in the plan.
Get your Accident Insurance quote
Fill in Your Proposal Form
You need to fill in the proposal form and answer from basic questions about your medical history before you can buy the policy.
Review Your Proposal
Review your quote and verify you have provided correct information including your nominee name and the premium you need to pay.
Here are the steps to buying online:
Complete Your Purchase
After your confirm your premium and agree to the terms & conditions, select a payment method (Credit Card/Debit Card or Net Banking) and pay securely & conveniently in easy steps and you’re done.
Download Your Policy
You can download your policy schedule and print it out. A copy of the policy is also sent to the email address you have provided during the time of registration.
Good health adds years to your life. Secure your family today by buying Future Generali Health Insurance Plan.
What happens next after you have purchased
When you become a Future Generali Health Customer, you will receive a membership pack containing the following:
- Claim Form
You can intimate your claim online or submit the form to your nearest branch or alternatively email 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
Procedure along with list of ombudsman addresses. In case you are not satisfied with the resolution to the complaint as provided by us, you may approach the Insurance Ombudsman for review.
You can expect to receive this pack within 12-15 working days of purchasing our Accident insurance.
Making a Claim
At Future Generali, we will do everything to make your claim as simple and convenient. And here are few reasons why:
We have an in-house claim settlement team that processes your claims within 14 working days from the time we receive your complete claim documents.
In order to get the periodic update on your claim, please ensure to mention your mobile number and e-mail Id on the claim form.
Find out more about how to make a claim or check out our claim process.
In-house team of professionals who can give specialised advice.
Contact our Helpline
In case you wish to speak to our experts about your policy, you can call us on:
You ask. We answer.
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 and Accidental hospitalisation covers.
This depends on your risk perception and cover under Personal Accident policy is made available based on your current income. Accidental death cover is given up to 144 x (times) your Monthly Income (as per Risk class under which you are assessed). For eg - A salaried person is eligible for a sum insured upto a maximum of 144 times of his monthly Income (as appearing in Form 16 / Salary Slip / IT Acknowledgment) and A Self Employed Person is eligible for a sum insured upto a maximum of 120 times of his monthly income (as appearing in IT Acknowledgment /Audited P & L). A person working in an underground mind is eligible for a sum insured upto a maximum of 96 times of his monthly income (as appearing in Form 16 / Salary Slip / IT Acknowledgment).
At Future Generali, we offer flexibility to our valued customers to select the optimum coverage as per the risk class and income.
Both you and your husband can take Personal Accident policy as per your current income and choice of covers;
However rate of premium will be different for you and your husband as it depends on Risk classification. You (Dentist) and similar other professional like teachers, bankers, architects, lawyers, accountants etc are classified under risk Class 1 and pay lower premium than risk Class 2 professional like Sales executives, Builders, Contractors and people engaged in similar professions.
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.
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.
Tax benefits are not available under Personal Accident Policy.
Apart from primary covers viz. Accidental death, Permanent Total disability, Permanent Partial disability and Temporary Total Disability; Future Generali offers many additional and unique coverage options like Loan Protector, Child Education Support, Accidental hospitalisation, Accidental Medical Expenses, Hospital Cash Allowance, Life Support Benefit, Adaptation Allowance and Family Transportation to choose from.
No, weekly compensation benefit is given to earning people only however benefit up to Rs. 1000 per week may be allowed for your wife if she is insured as a dependent under your Personal Accident policy.
Yes it is covered (except in case of abetment of terrorism)
No, hospitalisation expenses are paid for in patient treatment on Reimbursement basis.
Yes, Future Generali PRIVILEGE program offers host of value added services to our valued Health Insurance customers. This program is extended to Personal Accident policyholders.
Top reasons why this plan is ideal for you
You or your family get a worldwide cover, 24/7
Very Flexible and you can cover your spouse and children also.
No Medical Examination
You Pay Less For More
Family discount @ 10% in case more than one person is covered under the same policy.
Quick Turnaround Time
Our average turnaround time for claims settlement is within 14 working days (Subject to all required information/documentation being submitted).
30 Days for Renewal
From the expiry date of the policy, you get 30 days grace period for renewal.
Free Look Period
If you are not satisfied with the coverage, and terms and conditions of the policy, you can opt for cancellation of the policy within 15 days from the date of receipt of the policy documents, provided there has been no claim and you shall be entitled to a refund as per the policy terms and conditions.
Enjoy our value added services with Future Generali Health Privileges.
Rarely have I come across any insurance company which has the fastest claim settlement as yours. Indeed a very pleasant experience. Thank You!
Ajay Khanna,Navi Mumbai
Thank you FG. Your customer service is excellent and will definitely set a good example for others. I trust and truly appreciate your support.
Ranjan Khuntia, Hyderabad
Thank You for your exceptional support and prompt response throughout the claim process. Count me as a delighted customer and consider my feedback as extremely satisfied.