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Surakshit Loan Bima

Surakshit Loan Bima

(3906 Reviews)
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Find out how this plan works for you

When people need more money for any kind of investment, they borrow from Banks. No matter how big or small the loan may be, the worry of paying it off always remains on top of the mind. However, due to tragedies like loss of job or accidental deaths, this burden often gets passed on to their families.

Surakshit Loan Bima is a policy designed for the loan borrowers of banks and financial institutions. This Insurance Policy provides a comprehensive protection and is specifically designed to guard you and your family against the trauma you face for repayment of your loan in the event of unfortunate incidences which includes:

  • 1.Maximum 18 listed Critical Illnesses
  • 2.Personal Accident Insurance - Accidental Death or Permanent Total Disablement
  • 3.Job Loss Insurance


Entry Age

18 years to 65 years with renewability up to 70 years of age

Sum Insured

₹ 10,000 to ₹ 3,00,00,000

Pre acceptance Medical Tests

Above age of 50 years compulsory medical test will be required

What’s Covered

  • Insurance Plans -

    This Policy provides You options of 5 (Five) plans namely Plan A, Plan B, Plan C, Plan D, Plan E with and without Loss of Job cover option. The Policy Schedule will specify the Plan which is in force for each of the Insured.

  • Critical Illness -
    Sum Insured available in the product are as below:

  • Personal Accident Cover – Accidental Death and Permanent Total Disability
  • Loss of Job

Other Features

  • A discount of 10% will be applicable in case Loss of Job benefit is not opted under this product.

  • Loading on Claim experience:

    There will be no loading on premium for adverse claims experience.

Exclusions applicable to all sections

  • Exposure to nuclear, radioactive materials
  • Consumption of alcohol or drug abuse
  • Suicide, attempted suicide
  • Pregnancy, Infertility and invitro fertilization
  • Substance abuse, self-inflicted injuries
  • All expenses related to AIDS
  • Arising or resulting from the Insured person committing any breach of the law
  • Hazardous sports, war, terrorism, civil war or breach of law

Exclusions specific to Critical Illness cover

  • Critical Illnesses diagnosed within 90 days of inception of the Policy
  • Any Insured Event arising on account of or in connection with any Pre-Existing Illness/ Disease
  • Any external congenital Illness or condition or birth defects
  • Any medical procedure, which is not medically necessary or not performed by a Medical Practitioner

Exclusions specific to Personal Accident cover

  • Any pre-existing disability/ accidental injury
  • Working in underground mines, tunnelling or explosives, or engaged in Hazardous Activities
  • Taking part in aerial activities (including cabin crew) except as a fare-paying passenger in a regular scheduled airline or air Charter Company

Exclusions specific to Loss of Job cover

  • Unemployment arising within the first 90 days of inception of the Policy
  • Termination, dismissal from employment due to dishonesty, fraud or poor performance
  • Self-employed persons
  • Voluntary unemployment
  • Suspension from employment on account of any pending enquiry being conducted by the employer/ Public Authority

How can you buy this Policy?

Buy your Health Insurance Plan

We at Future Generali are committed to serve you and provide you convenient options to

  • Visit any of our nearest Branch office

  • Call us on our helpline numbers




  • Email us at

  • SMS “PRODUCT” to 9222211100 and we will arrange a call back.

Good health adds years to your life. Secure your family today by buying Future Generali Health Insurance Plan.

What happens next after I have purchased

When you become a Future Generali Customer,you will receive a policy kit online,containing the following:

  • Policy schedule

  • Premium Receipt

  • Policy coverage and Terms & Conditions.

  • Claim form

    You can intimate your claim online or submit the form at your nearest branch or email it to us

You can expect to receive this pack within 12-15 working days of purchasing our Personal Accident insurance.

Making a claim

At Future Generali,we will do everything to make your claim as simple and convenient.And here are few reasons why:

  • We have an in-house claim settlement process team that processes your claims within 30 working days from the time we receive your claim initiation form along with the required documentation.

  • In order to get the periodic update on your claim, please ensure to mention your mobile number and e-mail Id on the claim form.

  • Find out more about how to make a claim or check out our claim process.

  • In-house team of professionals who can give specialised advice.

Contact our Helpline

In case you wish to speak to our experts about your policy,you can call us on:




You ask. We answer.

What is Surakshit Loan Bima policy?
Who is eligible for the policy?
How many insured persons can be covered in a single proposal?
Will I be able to take a policy for more than 1 year?
Is natural death is covered in this Policy?
What are the 18 Critical illnesses covered under this Policy?
Is Temporary Total Disablement (TTD), Permanent Partial Disablement (PPD) is also covered under Personal Accident benefit of this Policy?
What is covered in Loss of Job cover under this Policy?
How Surakshit Loan Bima is different from a health insurance policy?
Do I need to undergo any medical check-up before getting enrolled under the policy?
Am I entitled for cover immediately after I take my policy?
As the rate of interest is different for different types of loans (e.g. 14% for personal loan, 9.5% for car loan etc.), so is it that the premium will also vary on the type of loan?
Can Loss of Job cover be opted by any insured person?
What are the exclusions under the Policy?

Top reasons why this plan is ideal for you



Very Flexible and you can cover up to a maximum of 4 applicants (1 main applicant and maximum 3 co-applicants).


Quick Turnaround Time

Our average turnaround time for claims settlement is within 30 working days (Subject to all required information/ documentation being submitted).


Free Look Period

If you are not satisfied with the coverage, and terms and conditions of the policy, you can opt for cancellation of the policy within 15 days from the date of receipt of the policy documents, provided there has been no claim and you shall be entitled to a refund as per the policy terms and conditions.



The Policy shall be renewable up to age of 70 years. However the insured covered under this product will have an option to migrate to our Future Criticare product to continue the cover for Critical Illness after the age of 70 years. The portability or migration would be as per Standard Terms and Conditions of Future Criticare product.


30 Days for Renewal

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



Portability is as per the Portability guidelines of IRDAI.

Disclaimer For complete details of Policy coverage, terms, conditions and exclusions, please refer the policy wordings. Click here to view Policy Wordings.

Product Name:-Surakshit Loan Bima   UIN NO:-FGIHLIP20069V021920  Launch Date:-20-April-2018