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  • Future Generali Travel Insurance

    Future Generali Travel Insurance


    For some tours, travel insurance is but a virtual requisite; for others, not so much. The question come down to a matter of risks involved as it allays unforeseen monetary risks. Let us take a look at how Future Generali approaches this. They have basically categorized it into two. One for students and one for general travellers.

    Types of Future Generali Travel Insurance:

    1. Student Travel Insurance
    2. Overseas Travel Insurance

    Future Generali Student Travel Insurance

    Key Benefits of Future Generali Student Travel Insurance:

    • You are protected regardless of where you are travelling.
    • Enjoy an all-inclusive protection when overseas with round-the-clock toll-free assistance.
    • You get complete coverage including medical and hospital costs, delay/ damage/ loss of luggage and loss of passport and more.
    • Future Generali boasts of a global service providing network at your beck and call 24*7.
    • Expenses incurred for medical tests are rebated if there is no adversarial health statement on your proposal form. And if there is any such health problem is mentioned in the form, half the expenses will be refunded if you have a Future Generali Student Travel Insurance.

    FG Student Travel Insurance Policy Covers:

    • Coverage of medical and hospital costs sustained due to accident and illness while you are travelling.
    • This plan protects you financially against accidental death and temporary or permanent disability
    • In the event of loss or theft of Passport, you will be reimbursed for the costs involved in getting a duplicate or provisional passport in a foreign country.
    • In the event of accidental demise or permanent incapacitation of your guarantor/ sponsor, your remaining tuition fees will be paid by the company.
    • In case there is a delay in getting the luggage, the insurer will compensate for the incidentals incurred to buy emergency personal belongings while you are abroad. If the baggage is lost or stolen, you will be paid up to the stated upper limit.
    • Your unutilized tuition fees will be refunded if you suffer from any of the listed conditions (more than one month continuous hospitalization due to accidental injury, illness, medical repatriation or demise of a close family member) and are unable to continue your education for the remaining college/ university semester for which the fees have been paid already.
    Future Generali Student Travel Insurance Exclusions:
    • Illnesses and health complications that existed prior to buying this insurance.
    • If it is found that the student is under the influence of alcohol, drugs, or other intoxicants or hallucinogens but for valid prescription from a doctor.
    • If it is found that the injury or disease is self-wreaked.
    • Suicide, attempt to suicide, mental health disorder (such as anxiety, depression or stress) or any venereal illness.
    • STDs such as HIV & AIDS

    Future Generali Overseas Travel Insurance

    Key Features & Benefits of FG Overseas Travel Insurance Policy:

    • You are completely protected no matter where you go with a day-and-night toll-free assistance.
    • You are assured complete protection when abroad with 24x7 toll - free assistance
    • Avail all-inclusive coverage for unforeseen medical and hospital bills, financial inconvenience due to delay, damage or loss of your luggage, loss or theft of passport and more.
    • This policy comes with unique and tailor-made plans for tours to Asian nations (except Japan and Korea) and Schengen countries.
    • Floater benefits means that you and your family will be covered with a single assured amount, which is applicable only when you travel in Asia and Europe.
    • Special benefits for travelers who are of age 71 to 80 includes international support in service providing as well as hospitalization.
    Europ Assist - Special Feature Offered by Future Generali Travel Insurance:
    1. Global Emergency Assistance
      • Emergency medical deportation and the same of mortal remains
      • Transmission of any emergency message
      • Medical advice/ help via phone or hospital referral or admitting if required
      • Taking appointment with resident doctors
      • Assurance of shelling out every medical costs sustained while hospitalization
      • Dispatching emergency medicine not accessible in the city
      • Arranging compassionate visit (fares of round trip)
    2. Travel Support in Europe:
      • Complete itinerary information prior to your journey
      • Embassy appointment
      • Help in case of lost/ delayed baggage or passport
      • Arranging your accommodation
    Future Generali Overseas Travel Insurance Policy Covers:
    • All your hospital, medical and aftercare expenditures occurred due to accident or disease while travelling are taken care of by this plan.
    • If there is a delay in your baggage or it is lost or stolen, you will be paid up to a specified upper limit amount. Either amount for your temporary expenses will be paid out or your belongings will be duly compensated.
    • You can claim for reparation sum for reasonable costs sustained in procuring a duplicate passport abroad if your passport gets lost or stolen.
    • You get indemnification against accidental demise as well as permanent and complete disability while you are travelling anywhere in the world.
    Future Generali Overseas Travel Insurance Policy Exclusions:
    • If it is discovered that any disease or health complication existed before buying the policy.
    • Regular health checkup when you have no objective symptom of disturbance in your normal health condition.
    • If it found that the insured were intoxicated at the time of event (drugs, alcohol, other intoxicant or hallucinogenic)
    • Hospital and medical bills beyond the expiration of the insurance policy.
    • If the injury or disease is self-wreaked.
    • Suicide, attempt to suicide, mental health disorder (such as anxiety, depression or stress) or any venereal illness.
    • STDs like HIV & AIDS.
    • If the insured is pregnant while travelling and if complications (premature delivery, miscarriage or abortion) arise due to that.
    • If the insurance holder’s passport is lost or damaged because of confiscating or detaining by any law enforcement agency like customs or police.
    • Loss which is not informed to authorities within a day of losing the possession.
    • If involved in war or war like actions.

    Future Generali Travel Insurance Claim Process:

    1. Cashless Claim Process as follows:
      • Medical Emergency/ Hospitalization
      • Approach a Medical Service Provider (Practitioner/ Hospital) and show the FG Travel Insurance Card
      • Inform ‘Europ Assistance’ if applicable
      • Settling of bill directly with the provider by the insurer
    2. Claim Procedure for Refund:
      • Report the claim to initiate
      • Submit required documents after reaching India
      • Wait for validation and verification
      • FG will directly settle it with the provider

    Future Generali Travel Insurance Policy FAQs:

    1. Why must I have a Travel Insurance?

      Travelling out of the country on a vacation or business tour, to unwind amidst the picturesque highlands or seaside, by yourself or along with your family or friends, travel insurance is a must. It is necessary to protect you from the risk of any monetary crisis that may arise due to unforeseen sickness, accidental injury or incidents like loss or theft of luggage, passport, or tickets.

    2. How can I select the best available travel insurance?

      Travel insurance coverage, features and perks, inclusions, exclusions, rates and duration are usually the deciding factors. Are you a sporadic or frequent traveler? If you travel often, an annual insurance would work best for you.

    3. What are the parameters I should keep in mind when buying a travel insurance?

      See if the following covers are offered when choosing a travel insurance to buy.

      • Medical coverage and evacuation
      • Personal accident
      • Loss of documents & repatriation
      • Delay/ cancellation of trip
      • Emergency monetary help
      • Legal costs if required
    4. Is it possible to prolong my stay and enjoy the benefits of my FG Travel Insurance?

      Definitely. Future Generali has an extension feature, which is accessible under different travel plans.

    5. What is the least cover provided by any Future Generali Travel Insurance Policy?

      You get a minimum cover of thirty thousand Euros as per their Schengen travel policy. It is 25000 USD as per Asia plan and 50, 000 USD for the World Plan. For Student Suraksha you can get no less than 25000 USD for Asia plan (except Japan) and 50000 USD for World Plan.

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