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COMMERCIAL INSURANCE

Future Poorna Suraksha – Group

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Future Poorna Suraksha – Group is a comprehensive group health insurance product to choose from a range of covers and sub-covers to guard the insured and his/ her family members in the event of unfortunate incidences.

Salient features:

  • Policy is applicable for groups as defined under IRDAI Group guidelines
  • Group can opt for Hospital cash benefit, on Individual basis or Floater sum insured basis
  • Group can opt for Critical Illness cover and/ or Personal Accident cover on Individual sum insured basis only
  • The product covers maximum 20 Critical Illnesses as per the option chosen
  • If Critical Illness is opted, Medical test is required depending on the age of the insured, sum insured opted for critical illness cover and/ or declaration given at the time of enrolment.

What’s Covered

  • Hospital cash Benefit
  • Insured will get a fixed daily hospital cash benefit and/ or daily ICU benefit for each continuous and completed period of 24 hours of hospitalization in for a maximum member of days as specified in the policy schedule.
  • Critical Illness Cover
  • Product provides an option to select maximum 20 Critical Illnesses for all the Insured Persons under the Policy.

  • In case opted, we will pay the Sum Insured as a lump sum amount, in case the Insured Person is diagnosed for listed critical illness or undergoing specified procedures.
    • Personal accident cover
    • Mandatory covers available are: Accidental Death and/ or Permanent Total Disablement

    • Product provides optional covers as: Permanent Partial Disablement

    • Extended cover available are: Repatriation of remains and Funeral expenses, Child Education Benefit, Accidental Medical Expenses, Accidental Hospitalization
What's Not Covered
  • Any hospital admission primarily for investigation diagnostic purpose

  • Hospitalisation for cosmetic treatments, plastic surgery, refractive error corrective procedures, experimental, investigational or unproven procedures or treatments

  • High risk activities, war, civil war or breach of law.

  • Correction of vision impairment and hearing impairment, corrective & cosmetic dental surgeries.

  • Congenital External Illness/ disease/ defect anomaly.

  • Addiction, self-inflicted injuries, Sexually Transmitted Diseases (STDs) other than HIV/AIDS.

Disclaimer For complete details of Policy coverage, terms, conditions and exclusions, please refer to the Policy Wordings.

Product Name:-Future Poorna Suraksha – Group  UIN NO:-FGIHLGP21152V022021   Launch Date:-31-07-2020

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