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(New Car or Renew from other Insurer)
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.
This policy covers the insured in case of
a) Death arising due to Accident. b) Permanent Total Disablement c) Permanent Partial Disablement
You or your family get a worldwide cover, 24/7
Various optional coverages like – Temporary Total Disablement, Hospitalisation Expenses due to Accident, Education Grant are available under single product.
Very Flexible and you can cover your spouse and children also.
Our average turnaround time for claims settlement is within 30 working days (Subject to all required information/documentation being submitted).
From the expiry date of the policy, you get 30 days grace period for renewal.
Sum insured (excluding cumulative bonus) shall be increased by 5% in respect of each claim free policy year, provided the policy is renewed without a break subject to maximum of 50% of the sum insured.
* Please see the brochure for complete details.
** Family means Self, spouse, Parents and Parents in-law, and dependent children.
*** Subject to all required documentation/information being submitted.
What things are not part of the plan or product under offering?
Any claim for death, disablement (whether of a permanent nature or of a temporary nature), hospitalization of Insured Person:
Note : This is a partial list of the policy exclusions. Please refer to the policy document for the complete list of exclusions
Buy your Health Insurance Plan online
Buying your Accident insurance plan online for you and your Family in simple steps.
Here are the steps to buying online:
It takes just a few minutes to generate your quote online. The sum insured is available on individual basis, each individual of a family is entitled to a sum insured you opt. Get your Accident Insurance quote
You need to fill in the proposal form and answer from basic questions before you can buy the policy.
Review your quote and verify you have provided correct information including your nominee name and the premium you need to pay.
After you 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.
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.
When you become a Future Generali Customer, you will receive a policy kit containing the following:
Policy coverage and Terms & Conditions.
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 your nearest branch or email it to us.
Grievance Redressal Procedure along with list of ombudsman addresses. In case you are not satisfied with the resolution to your complaint 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 Personal 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 process team that processes your claims within 30 days from the time we receive your claim intimation form along with the required documentation. 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 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.
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.
At Future Generali, we offer flexibility to our valued customers to select the optimum coverage as per income.
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 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.
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.
Nuclear, chemical and biological terrorism is not covered under Saral Suraksha Bima
Hospitalisation expenses due to accident are paid for inpatient treatment on reimbursement basis.
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.
Maximum renewal age up to 70 years.
Self, spouse, Parents and Parents in-law, and dependent children can be covered in a single Saral Suraksha Bima policy.
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.
DOWNLOADS Brochure Proposal Form / Prospectus Claim Form
Disclaimer For complete details of Policy coverage, terms, conditions and exclusions, please refer the policy wordings. Click here to view Policy Wordings.
*Subject to Terms & Conditions and Waiting Periods given in Policy Wordings
Product Name: Saral Suraksha Bima, Future Generali India Insurance company Limited UIN NO:-FGIPAIP21623V012021 Launch Date:-1st April 2021
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