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What is Personal Accident Insurance?

Even after you’ve taken all precautions, accidents can happen. And they can be emotionally, physically and more importantly, financially draining. Accidents can burden your family and also consume their lifelong savings.

But you don’t have to spend time worrying about them. Future Generali’s Personal Accident does all the worrying for you!

Our personal accident insurance cover provides financial security till the time you regain good health and resume work. With it, you can secure your family’s financial well-being even when you are not around.

Why should I buy Personal Accident Insurance

Fast Claim Settlement

We give you money super-fast so that you get well faster

30 Days of Renewal

From the expiry date of the policy, you get 30 days grace period for renewal

Add-on covers

We offer payable add-on covers like child education support, life support, and more

Flexible

You can not only cover yourself but your spouse and children as well

Free look up period

You don’t like it. You cancel the policy within 30 days from issue

Welcoming and friendly

Migrate your existing policy with us to opt for our benefits and services

What is in for you?

THERE ARE ADDITIONAL BENEFITS FOR YOU!

No medical questionnaire or medical examination
Specialist claims service and Claims settlement within 14 working days
Port your existing policy with us to opt for our benefits and services
You can renew your Policy within 30 days from the date of expiry of your policy
Family discount @ 10% in case more than one person is covered under the same policy
Not satisfied with the coverage, and terms and conditions of the policy, opt for cancellation of the policy within 15 days from the date of receipt of the policy documents

What is covered?

INCLUSIONS

Death due to Accident

In the unfortunate scenario of loss of life, our policy will offer the insured amount to your family.
Permanent Total Disability

Our insurance will cover you for the insured amount, if you are no longer able to work due to an accident-related injury.
Permanent Partial Disability

We’ll offer you the promised amount if you can’t work at full capacity due to an injury caused by an accident.
Temporary Total Disability

You’ll receive a part of the insured amount if you can’t work temporarily due to an accident-related injury.

Add on covers

Other Benefits

Child Education Support

We know education is important. So, we support your child’s education in case of your accident or permanent total disability.
Accidental Hospitalisation

We hope this never happens. But if you are in the hospital due to an accidental injury, we offer financial support.
Hospital Cash Allowance

In dire times, liquidity is a must. We give you per day cash allowance in case of accidental body injury.
Accidental Medical Expenses

For Accidental Death, Permanent Total Disablement or Permanent Partial Disablement, Temporary Total Disablement, we reimburse all medical expenses for treatment or surgery.
Chauffeur Plan Benefit

The show must go on. And if you face an accidental injury, which restricts mobility, we make sure you fulfil your work commitments. We pay you the cost of a taxi or chauffeur-driven car daily.
Adaption Allowance

If you have to adapt your house or vehicle to your impairment caused by an accident, we assure you financial support.
Air Ambulance Cover

In critical medical situations, we sponsor an airplane or helicopter for rapid ambulance transportation.
Life Support Benefit

In hard times, when everything fails, we offer your per month financial support.
Road Ambulance Cover

We come to your rescue first. We sponsor your transfer to the nearest hospital via an ambulance.
Loan Protector

We do not let your problems increase. So, we provide per month monetary assistance, in case of total or permanent disability. We hope our help is enough and you do not have to borrow.
Family Transportation Allowance

We know you need your family in tough times. So, we bring your family to you. We pay for their transportation expenses to your hospital, in case of an accident.
Adventure Sports Benefit

An adventure trip is thrilling but also risky. For death or disability caused due to an adventure sport, we offer monetary assistance.
Broken Bones

If you suffer a fracture due to an accident, we offer financial support.

What is not covered?

EXCLUSIONS

Existing disabilities
Losses due to childbirth or pregnancy
Accidents due to war or nuclear perils
Losses due to consumption of drugs or alcohol
Accidents due to military service
Suicide

What Future Generali Health Insurance Offers

94%

Claim Settlement Ratio
3 hr

Cashless Settlement
6000

Cashless Hospitals

How can I purchase
Personal Accident Insurance?

You Can Call On Our HELPLINE

1800-220-233 / 1860-500-3333 / 022-67837800

SEND US AN EMAIL

fgcare@futuregenerali.in

VISIT BRANCH

Walk-in to any of our nearest branches

BRANCH LOCATOR

What happens after purchase?

Once you secure the insurance cover, you get a financial assurance for all your health 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
Premium 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.
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 it to us.
Grievance Redressal Procedure In case you are not satisfied with the resolution to your complaint provided by us, you may approach the Insurance Ombudsman for review.

What is the reimbursement claim process?

Our claim settlement process is fast and relaible

1

Collate Documents
Upon discharge, pay all hospital bills and collect all original documents of treatment undergone and expenses incurred
2

Claim Form
Download the FG health claim form, fill it and along with it
3

Document Submission
Submit original documents to the nearest Future Generali branch
4

Claim Settlement
We will settle the claim in subject to policy terms and conditions

What is cashless claim process?

File your claim in minutes with Future Generali’s easy four-step claim process

1

Visit Hospital
Approach an insurance desk of your nearest FG Network Hospitals and show your health card for Cashless Treatment
2

Verify Yourself
The Network Hospital will verify your identity and submit duly filled pre-authorization form with Future Generali
3

Get Admitted
You get admitted without any deposit and get cashless treatment
4

Peace of Mind
Once you are discharged, the hospital will send your claim documents to FG and the authorized amount will be settled directly with the hospital

FAQs – Frequently asked questions

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Can my spouse can opt for Personal Accident policy as a self-proposer? What is the maximum sum insured for non-working spouse as self-proposer?

Yes, non-working spouse can opt for personal accident policy as a self-proposer. The maximum sum insured that can be allowed is ? 10 lacs with TTD Sum Insured max ? 1 lakh (i.e. limited to ? 1000/- per week for 100 weeks).

Is terrorism or terrorist attacks covered under Personal Accident?

Yes it is covered (except in case of abetment of terrorism)

What is the maximum payout in case of Permanent Total Disablement?

The maximum payout in case of Permanent Total Disablement (PTD) is 150% of Sum Insured under PTD benefit.

What is the age eligibility to get covered under Personal Accident policy?

Individuals from age 18 years to 70 years can opt for Future Generali’s Individual Personal Accident Policy. Children from age 3 years to 25 years can opt as a dependent.

What is the ideal Sum for which I should insure under Personal Accident?

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 up to a maximum of 144 times of his monthly income (as appearing in IT Acknowledgment /Audited P & L). A person working in underground mines is eligible for a sum insured up to a maximum of 144 times of his monthly income(as appearing in Form 16 / Salary Slip / IT Acknowledgment).

Can I avail Tax benefits under Personal Accident policy?

Tax benefits are not available under Personal Accident Policy.

Can I avail hospitalisation expenses cover in Cashless mode?

No, hospitalisation expenses are paid for in patient treatment on Reimbursement basis.

Is there any Cumulative Bonus available in this policy?

Yes, for every continuous and claim free policy year, 5% increase in the Base Sum Insured will be available, subject to a maximum of 25% of the Base Sum Insured including if your policy is reported to us.

How many family members can be covered under a single proposal?

Self, Spouse and maximum two dependent children can be covered in a single Personal Accident policy.

Is it necessary to inform the insurance company if there is a change in my job profile / occupation after taking the 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.

Can my dependent wife and child of 20 years get Weekly compensation benefit?

No, weekly compensation benefit is given to earning people only however benefit up to Rs. 1000 per week for 100 weeks may be allowed for your wife if she is insured as a dependent under your Personal Accident policy.

I already have Life Insurance, why do I need a separate Personal Accident cover?

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.

I am a Dentist and my husband is a Builder, do we pay the same premium for Personal Accident cover?

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.

Can I select amongst the different coverage options available or do I get fixed combination of covers?

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

I am travelling abroad, will my Personal Accident policy cover me in case of any eventualities?

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.

What is the additional premium to be paid for Repatriation of remains and Funeral Benefit under the policy?

Repatriation of remains and Funeral Benefit is an inbuilt cover, no premium would be charged for this benefit.

What are the unique coverage options offered by Future Generali, If any?

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 Child Education Support, Life Support Benefit, Accidental Hospitalization, Accidental Medical Expenses, Hospital Cash Allowance, Loan Protector, Adaptation Allowance, Family Transportation Allowance, Broken Bones, Road Ambulance cover, Air Ambulance cover, Adventure Sports Benefit and Chauffer Plan benefit to choose from.

What is the maximum renewal age?

Policy can be renewed lifelong.

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PRODUCT NAME: ACCIDENT SURAKSHA | UIN NO: FGIPAIP18040V021718 | LAUNCH DATE: 2ND FEB 2018

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What is Personal Accident Insurance?