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Employees are one of the biggest assets for any organisation.To take care of your assets,we at Future Generali provide you customized solutions covering your employees against accidental death,permanent and total disablement etc.
This Policy can be issued to a group consisting employees of an organization,students of an institution or to other groups as per the group guidelines ofIRDAI
The Primary Cover Accidental Death, Permanent Total Disablement, Permanent Partial Disablement, Temporary Total Disablement. Accidental Death, Permanent Total Disablement, Permanent Partial Disablement, Temporary Total Disablement of the employees are covered.
Additional Covers Child Education Support, Repatriation Benefit and Funeral Expenses, Accidental Medical expenses, Accidental Hospitalisation, Hospital Cash Allowance, Modification/ Adaptation allowance, Family Transportation Allowance can be availed on payment of additional premium.
Intentional self Injury (including but not limited to the use or misuse of any intoxicating drugs or alcohol).
Accident while under the influence of alcohol or drugs.
Participation in an actual or attempted felony, riot, crime, misdemeanor or civil commotion.
Any Accident of which a contributing cause was the Insured Person’s actual or attempted commission of, or willful participation in, an illegal act or any violation or attempted violation of the law or his resistance to arrest.
Whilst engaging in Aviation or Ballooning or whilst mounting into, dismounting from or traveling in any balloon or aircraft other than as passenger(fare paying or otherwise) in any duly licensed standard type of aircraft.
Participating in motor racing or trial run as a driver, co-driver or passenger.
Curative treatments or interventions that the Insured Person carries out or have carried out on his body
Pregnancy and childbirth, miscarriage, abortion or complications arising out of any of these
Any existing disablement prior to the inception of the Policy.
Venereal or sexually transmitted diseases, HIV (Human Immunodeficiency Virus) or HIV related Illness including AIDS (Acquired Immune Deficiency Syndrome) and / or mutant derivatives or
Any Medical expenses, services, supplies or treatment or Hospital stay which were not recommended or approved as Medically Necessary by a Medical Practitioner.
Any expense incurred which is not exclusively medical in nature/ Unproven or Experimental treatment of any description.
Expenses incurred for emergency medical evacuation.
War, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, commotion unrest, rebellion, revolution, insurrection, military or usurped power or confiscation or nationalization or requisition of or damage or under the order of any government or public authority.
Nuclear energy, radiation.
Disclaimer The above exclusions are indicative in nature, for detail exclusions please refer to the policy wordings.
Disclaimer For complete details of Policy coverage, terms, conditions and exclusions, please refer the policy wordings. Click here to view Policy Wordings.
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