Future Generali’s Cover for Sports protects you from all types of sports injuries. We cover all treatment costs due to injuries, equipment replacement cost, and physiotherapy – up to Rs. 50 lakhs. We cover you for endurance sports, adventure sports, and hobby sports.
We give you money super-fast so that you get well faster
From the expiry date of the policy, you get 30 days grace period for renewal
We offer payable add-on covers like child education support, life support and more
You can not only cover yourself but your spouse and children as well
You don’t like it. You cancel the policy within 15 days from issue
We know education is important. So, we support your child’s education in case of your accident or permanent total disability.
We hope this never happens. But if you are in the hospital due to an accidental injury, we offer financial support.
In dire times, liquidity is a must. We give you per day cash allowance in case of accidental body injury.
For Accidental Death, Permanent Total Disablement or Permanent Partial Disablement, Temporary Total Disablement, we reimburse all medical expenses for treatment or surgery.
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.
If you have to adapt your house or vehicle to your impairment caused by an accident, we assure you financial support.
In critical medical situations, we sponsor an airplane or helicopter for rapid ambulance transportation.
In hard times, when everything fails, we offer your per month financial support.
We come to your rescue first. We sponsor your transfer to the nearest hospital via an ambulance.
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.
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.
An adventure trip is thrilling but also risky. For death or disability caused due to an adventure sport, we offer monetary assistance.
If you suffer a fracture due to an accident, we offer financial support.
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
We only need some basic details to give you a quote.
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.
Our claim settlement process is fast and relaible
Collate DocumentsUpon discharge, pay all hospital bills and collect all original documents of treatment undergone and expenses incurred
Claim FormDownload the FG health claim form, fill it and along with it
Document SubmissionSubmit original documents to the nearest Future Generali branch
Claim SettlementWe will settle the claim in subject to policy terms and conditions
File your claim in minutes with Future Generali’s easy four-step claim process
Visit HospitalApproach an insurance desk of your nearest FG Network Hospitals and show your health card for Cashless Treatment
Verify YourselfThe Network Hospital will verify your identity and submit duly filled pre-authorization form with Future Generali
Get AdmittedYou get admitted without any deposit and get cashless treatment
Peace of MindOnce you are discharged, the hospital will send your claim documents to FG and the authorized amount will be settled directly with the hospital
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).
Yes it is covered (except in case of abetment of terrorism)
The maximum payout in case of Permanent Total Disablement (PTD) is 150% of Sum Insured under PTD benefit.
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.
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).
Tax benefits are not available under Personal Accident Policy.
No, hospitalisation expenses are paid for in patient treatment on Reimbursement basis.
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.
Self, Spouse and maximum two dependent children can be covered in a single Personal Accident 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.
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.
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.
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.
At Future Generali, we offer flexibility to our valued customers to select the optimum coverage as per the risk class and income.
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.
Repatriation of remains and Funeral Benefit is an inbuilt cover, no premium would be charged for this benefit.
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.
Policy can be renewed lifelong.
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