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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
INCLUSIONS
Death
Permanent disability
Permanent Partial Disability
Temporary Total Disability
Hospitalization due to accident
30/60 days post hospitalization
30 /60 days Physiotherapy
OPD due to the accident
Dental treatment due to the accident
Diagnostics, X-Ray, CAT Scan, etc.
Hospi cash in case of more than 24 hrs of hospitalization
Consumables and medicines
Damage to the equipment due to the accident
Theft/misplacement of personal belongings due to the accident
VAS: Ambulance services
Emergency evacuation services
International cover if you are travelling for an event or on vacation
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.
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
We only need some basic details to give you a quote.
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.
Our claim settlement process is fast and relaible
Collate Documents
Upon discharge, pay all hospital bills and collect all original documents of treatment undergone and expenses incurredClaim Form
Download the FG health claim form, fill it and along with itDocument Submission
Submit original documents to the nearest Future Generali branchClaim Settlement
We will settle the claim in subject to policy terms and conditionsFile your claim in minutes with Future Generali’s easy four-step claim process
Visit Hospital
Approach an insurance desk of your nearest FG Network Hospitals and show your health card for Cashless TreatmentVerify Yourself
The Network Hospital will verify your identity and submit duly filled pre-authorization form with Future GeneraliGet Admitted
You get admitted without any deposit and get cashless treatmentPeace 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 hospitalYes, 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.
We're here to help you find the perfect insurance plan. our team will get in touch.
We respect your privacy. Your details are safe with us.
Our team will contact you shortly to provide personalized assistance with your insurance plan.
You can also reach out to us on 1800 266 1112
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PRODUCT NAME: ACCIDENT SURAKSHA | UIN NO: FGIPAIP18040V021718