What is Future Travel Suraksha?

Q: Is there an option to take family cover i.e. one policy for self, spouse and children?

Family plan is available under Asia &amp; Schengen Travel plan *Please refer policy wordings

Our Overseas Travel Plan is your friend in a foreign land. The policy protects you against accidents and emergencies when you travel abroad. So, whether it is an illness, lost belongings, or any other event that can potentially get you stressed on a holiday, we insure it all.

Why buy Future Travel Suraksha

Global Protection

Complete protection when abroad with 24x7 toll - free assistance

Comprehensive Coverage

Coverage for medical expenses, baggage delay/loss, loss of passport and more

Customised Plans

Specially designed plans for travel to Asian countries (excluding Korea and Japan) and European Countries on Schengen Visa

Floater Benefits

You can cover yourself and your family with a single sum insured - applicable only for Asia and Schengen travels.

What is in for you?

THERE ARE ADDITIONAL BENEFITS FOR YOU!

Quick claim settlements
Special benefits for senior citizens
24/7 toll-free assistance
Zero amount deducted while filing a claim
Floater benefits
Worldwide support

What is covered?

INCLUSIONS

Medical Emergencies

Medical expenses are the most pocket-burning expenses in a foreign land, especially when you have limited funds. Medical bills overseas can be much higher than they are in India. Our plan takes care of all medical expenses due to accidents or sickness.
Luggage Loss or Luggage Delay

Airlines are sometimes careless in handling your baggage. So, you may lose your baggage or get it after a lot of delays. But we never let you suffer because of this. Our overseas insurance plan covers all such costs.
Accidents

Accidents can happen anywhere, anytime. Though we cannot protect you against them, we stand with you whenever you need us. Our insurance plans give you coverage against permanent disablement or loss of life due to an accident.
Loss of Passport

We sincerely hope it never comes to this but if you lose your passport while travelling, do not be worried. Out insurance plan will cover the insurance plan covers this cost.

What is not covered?

EXCLUSIONS

Pre-existing diseases
Pregnancy or related complications
Travel restrictions
Loss or damage due to war or warlike actions
Self inflicted injury or illness
Confiscation or detention of your passport
Sexually transmitted diseases
Alcoholism and substance abuse

How to buy Future Travel Suraksha

You can purchase our Future Travel Suraksha plan in several ways:

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 travel 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 at your nearest branch or email it to us.
Complaint/feedback form Should you have any complaints/feedback,you can fill in the form and submit it at the nearest branch or email it to us.
Grievance Redressal In case you aren’t satisfied with the resolution provided by us to your complaint, then you can approach the Insurance Ombudsman. This form will have details about the procedure to approach the insurance ombudsman along with the addresses of the ombudsman.

What is the claim process?

Our claim settlement process is fast and relaible.

1

Medical

Medical Emergency/Hospitalization
2

Treatment

Approach the medical service provider abroad and show FG Travel Insurance Policy to avail the cashless treatment
3

Intimate

Inform 'Europ Assistance' to intimate the claim
4

Guarantee letter

Europ Assistance places the guarantee letter with provider (as per policy coverage)
5

Bill Settlement

Europ Assistance settles bills directly with provider

FAQs – Frequently asked questions

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I am travelling to UK on a Student Visa and have enrolled to 18 months management program; can I get a travel policy for entire period?

Yes, we offer Student travel plan for up to 2 years.

Does the Policy cover pre-existing disease?

No pre-existing diseases are not covered in any of the plans. If you are already suffering from any pre-existing disease then the proposal will be referred to Underwriting Team for review.

Does Future Generali maintain network of service providers across the globe?

We depend on the global expertise of EUROP ASSISTANCE (Generali Group Company) for this service.

Which plans are available as Annual Multi-trip policy?

Annual Multi-trip plan is available in Future Travel Suraksha (World-Wide ) & Future Travel Suraksha- Schengen Travel

Can Travel plans be availed for Multi Trips?

There are single trip plans available in Future Travel Suraksha, Future Travel Suraksha Select, Future Easy Travel Worldwide, Future Easy Travel Schengen and Future Student Suraksha
The Annual multi trip option is available in below travel products:
a) Future Travel Suraksha – Gold and Platinum plans
b) Future Travel Suraksha – Schengen travel

How do I get in touch with EUROP ASSISTANCE?

For claims and related queries, you may kindly call: 24X7 helpline number: +91 22 6734 7841 National toll-free number: 1800 209 2333 (only from MTNL/ BSNL network) Land line number for Claims: +91 22 6734 7878; Fax number: +91 22 6734 7888

Address: Europ Assistance India Pvt. Ltd., 761 Solitaire Corporate Park. 167 Guru Hargovindji Marg, Chakala, Andheri(E), Mumbai – 400 093.
Email ID: fgi@europ-assistance.in

For any Worldwide Emergency Assistance Services, Medical Assistance Services, Travel Assistance Services and for availing Cashless Service during a travel abroad please call on the below UIFN (Universal International Freephone Number)/ ITFS (International Toll Free Service) numbers provided on policy documents.

Does Future Generali offer covers like Compassionate visit, and Child escort?

Yes, this cover is available under Future Travel Suraksha and Future Travel Suraksha Schengen Travel.

Is there an option to take family cover i.e. one policy for self, spouse and children?

Family plan is available under Asia & Schengen Travel plan

*Please refer policy wordings

Is travel insurance mandatory?

Travel Insurance is not mandatory in India. However for a safe and peaceful trip, we recommend that you should take as Travel insurance policy to take care of any contingencies that might arise during your journey; like sudden illnesses, misplaced passport, lost luggage etc

What is the minimum cover offered by Future Generali under Travel Insurance Plans?

We offer minimum cover of 30,000 Euros under Schengen travel plan; 25,000 USD under Asia plan; and minimum 50,000 USD under World Plan. For Student Suraksha minimum cover under Asia plan (excluding Japan) is 25,000 USD and under World plan is 50,000 USD.

Can I avail cashless mode of settlement for Medical expenses? Are there any deductions in Travel insurance claims?

Yes, cashless mode of settlement is available in most of the overseas hospitalization cases. There is minimum deductible under Medical expenses and Emergency Dental relief cover which vary with the plan chosen (25-100 USD).

I am travelling to UK/ USA for 15 days on tourist Visa. I have Health Insurance with your company since last 5 years; why do I need separate Insurance to travel abroad?

Your Health Insurance covers inpatient medical expenses in India i.e. expenses incurred outside India are not covered hence you must take a separate Travel Insurance policy to cover this risk. Moreover Travel Insurance is a bundled product i.e. it includes personal accident, loss of passport, loss and delay of baggage, daily allowance and more.

What is the need of Travel Insurance? What does it covers?

Our Travel Insurance plans takes care of any contingencies that might arise during your journey; like sudden illnesses, misplaced passport, lost luggage etc. The plan options have the following covers, which may vary depending upon the plan opted:
Cashless treatment during medical emergency
Emergency Medical Evacuation
Repatriation of Remains up to USD$ 10,000
Continuation of Medical Treatment in India
Daily Hospital Allowances
Emergency Sickness Dental Relief
Trip Delay
Trip Cancellation
Trip Curtailment
Missed Connection
Loss of Passport
Hijack Benefit
Checked in Baggage Delay
Checked in Baggage Loss
Compassionate visit
Financial Emergency Assistance
Accidental Death & Permanent Total Disablement
Accidental Death – Common Carrier
Accidental Death – Air Travel only
Personal Liability
Golfers Hole in One celebration
Automatic extension for 7 days
Home burglary insurance
Child Return Journey
Mental and Nervous Disorder *
Maternity Benefit *
Tuition Fee *
Sponsor protection *
Felonious Assault *
Bail Bond *
(* Available only in Future Student Suraksha plan)

Can I extend my policy in case I extend my stay?

Yes, extension facility is available under travel plans.

What type of travel falls under decline list?

Coverage for travel on Ship, travel to Mansarovar, Haj and countries where travel restrictions have been issued by Government of India.

Are there any sub-limits applicable in Travel Insurance plans?

Yes, sub-limits are applicable under Future Travel Suraksha for policyholders who are of Age 56 years and above

What is the period for which Travel Insurance can cover my abroad trip?

a) Future Travel Suraksha Select plans - offers a cover for minimum of 1 day and maximum of 180 days. The policies can be extended for next 180 days subject to underwriting terms and conditions.
- For Standard Select and Silver Select plans the maximum trip duration can be 360 days including extensions.
- Prime Care Select plan the maximum trip duration shall not exceed 180 days in total.
b) Future Travel Suraksha plans offers a cover for minimum of 1 day and maximum of 180 days. The policies can be extended for next 180 days subject to underwriting terms and conditions. Superior Care Select plan the maximum trip duration shall not exceed 180 days in total.
c) Future Easy Travel Worldwide, Future Easy Travel Schengen plans - offers a cover for minimum of 1 day and maximum of 180 days. The policies can be extended for next 180 days.
d) Future Student Suraksha – offers a cover for minimum of 30 days and maximum of 2 years. The policy can be extended only once, provided the maximum trip duration inclusive of any extension shall not exceed 730 days including extensions.

Which plan can I avail for Multi Trips?

There are single trip plans available in Future Travel Suraksha Select. The Annual multi trip option is available in our other travel product – Future Travel Suraksha and Future Travel Suraksha – Schengen travel

I am a Business Traveller and travel often to West; do I need to take Insurance for every single visit?

You can take annual multi-trip policy with us. Under Annual Multi-trip trips upto 30 days and 45 days duration are allowed depending on plan opted . You can also take single trip policy with us.

Can a policy be issued once the travel has commenced?

No, policy cannot be issued once travel has commenced

Are there any sub-limits applicable in Travel plans?

Yes, sub-limits are applicable under Future Travel Suraksha Select, Future Travel Suraksha, Future Easy Travel Worldwide for policyholders of Age 56 years and above.
Sub-limits are not applicable under Future Student Suraksha plan and Future Easy Travel Schengen.

Does one has to undergo through any medical examination?

For Future Travel Suraksha, Future Travel Suraksha Select, Future Easy Travel Worldwide, Future Easy Travel Schengen, Future Student Suraksha - There is no medical examination required, if there is no medical declarations in proposal form. However in case of any medical declaration, medical tests shall be advised by the Underwriting Team For Future Travel Suraksha Superior Care plan - Proposal with age of 71 years to 80 years, medical tests are required.

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PRODUCT NAME: FUTURE TRAVEL SURAKSHA | UIN NO: IRDA/NL-HLT/FGII/P-T/V.I/76/13-14 | LAUNCH DATE: 24TH JUNE 2013

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Make your international travels safe

Invest in comprehensive travel cover

What is Future Travel Suraksha?

Why buy Future Travel Suraksha

Global Protection

Comprehensive Coverage

Customised Plans

Floater Benefits

What is in for you?

What is covered?

What is not covered?

How to buy Future Travel Suraksha

What is the claim process?

FAQs – Frequently asked questions

Share your details

Thank you for your interest!

Need to know more about Travel Insurance?

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