Future Generali Personal Accident Suraksha Plan

The Future Generali Personal Accident Plan called ‘Accident Suraksha’ is a family floater personal accident plan and provides for you as well as your family members to meet your medical expenses in case of any unfortunate accident. The number of accidents are increasing day by day and the cost of medical treatment has also gone high, treating accidental injuries has become costlier these days. So, in order to provide you relief and reduce your financial burden, Future Generali has come up with this attractive health insurance plan which provides coverage for disability and death caused by accident. You don’t have to undergo medical test to enjoy the benefits of this plan.

Features and benefits of Future Generali Accident Suraksha Plan:

Entry Age For Adults: Minimum age- 18 years Maximum age - 70 years. For Children: Minimum age - 3 months Maximum age – 25 years.
Basis It is a Family Floater Personal accident plan.
Medical test No medical test is required.
Renewability The policy can be renewed.
Special Features The policy comes with the following features:
  • Enjoy a 30 day grace period from the date of expiry of the policy.
  • The plan allows portability.
  • It comes with a free look period of 15 days.
  • Get 24/7 customer service.
  • You can include your spouse and children under the same policy.
  • You can purchase your policy online.
  • 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 The policy covers the following conditions:
  • The policy provides cover for disability and death caused by accident which include - Permanent Partial Disability, Permanent Total Disability, Temporary Total Disability & Death.
  • 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.
  • Terrorism related injuries are covered.
  • The policy comes with hospital cash allowances.
  • Under its Loan Protector option, the policy provides a lump-sum amount in case some accidental death or total disablement happens to the policyholder.
  • 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.
  • 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 :
  • The policy is accepted worldwide.
  • You get Family discounts up to 10% with this policy.
  • Quick turnaround time which is 14 days from the date of claim made.
  • 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.

Please check the policy document before purchasing the policy and read the terms and conditions. The information provided in the document is indicative only.

Other Health Insurance Plans from Future Generali:

GST rate of 18% applicable for all financial services effective July 1, 2017.

Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

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