Future Generali Personal Accident Suraksha Plan

Entry Age

For Adults:

For Children:

Basis

It is a Family Floater Personal accident plan.

Medical test

No medical test is required.

Renewability

The policy can be renewed.

Special Features

1. Enjoy a 30 day grace period from the date of expiry of the policy.
2. The plan allows portability.
3. It comes with a free look period of 15 days.
4. Get 24/7 customer service.
5. You can include your spouse and children under the same policy.
6. You can purchase your policy online.
7. The policy does not include Child Education Support, Life Support Benefit, Accidental Medical expenses, Accidental Hospitalization.

Sum assured

Sum assured varies based on the monthly income of the person.

Premium

Premiums vary based on sum assured and of the life insured.

Policy coverage

1. The policy provides cover for disability and death caused by accident which include - Permanent Partial Disability, Permanent Total Disability, Temporary Total Disability & Death.
2. The policy comes with an inbuilt cover for Repatriation Benefit and Funeral Expense. It provides 1% of the Accidental Death Sum assured for it, and it is subject to a maximum of Rs. 12,000.
3. Terrorism related injuries are covered.
4. The policy comes with hospital cash allowances.
5. Under its Loan Protector option, the policy provides a lump-sum amount in case some accidental death or total disablement happens to the policyholder.
6. The policy offers adaptation allowances up to 10% of the total sum assured or a maximum of Rs.50,000 which you can get reimbursed towards your cost modifying your house or vehicle.
7. The policy also offers family transportation allowances up to 10% of the sum assured or a maximum of Rs. 50,000.

Benefits

The policy comes with the following benefits :

1. The policy is accepted worldwide.
2. You get Family discounts up to 10% with this policy.
3. Quick turnaround time which is 14 days from the date of claim made.
4. Get comprehensive coverage for you and your family members.

Discount

The policy offers Family discount of 10% provided more than 1 person is covered under the same policy.

Exclusions

The exclusions under the policy include - any diseases occurring prior to taking the policy, injuries caused in armed forces, injuries caused by riots or wars, suicide, pregnancy, and Pre and Post Hospitalization expenses.