Future Generali Personal Accident

(24 Reviews)

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

*Tax benefit is subject to changes in tax laws. Standard T&C Apply

Get insured from the comfort of your home
Get insured from the comfort of your home
  • 1
  • 2
  • 3
  • 4

Who would you like to insure?

  • Previous step
    By clicking on “Continue”, you agree to our Privacy Policy and Terms of use
    Previous step

      Popular Cities

      Previous step
      Previous step

      Do you have an existing illness or medical history?

      This helps us find plans that cover your condition and avoid claim rejection

      Get updates on WhatsApp

      What is your existing illness?

      Select all that apply

      Previous step

      When did you recover from Covid-19?

      Some plans are available only after a certain time

      Previous step
      Advantages of
      entering a valid number
      You save time, money and effort,
      Our experts will help you choose the right plan in less than 20 minutes & save you upto 80% on your premium

      Future Generali Personal Accident

      Future Generali is a general insurance Company that is a joint venture between a leading Indian business conglomerate, the Future Group of industries and the Generali group, which is a leading Italian based company, which is a prime leader in financial protection and wealth management.

      Read More

      The Generali group is the largest insurance company in Italy and is also among the most reputed and largest insurance providers in Europe. The company started its operations September 2007. The company offers a range of insurance products for its customers across all segments that includes all major insurance that a person may need.

      Why Personal Accident Insurance?

      A personal accident insurance plan protects the individual and his or her family members in the event of the unfortunate demise of the insured or if there is a serious accident or injury. Accidents are unpredictable and an accident can create a significantly huge financial burden on the customer and his or her family. Accidents may not be prevented, but an individual can take concrete steps towards protecting him or herself and his or her loved ones by securing their future and providing financial stability. While many people have taken out life insurance policies, a standalone personal accident policy is highly recommended as it will cover the insured person at a nominal premium rate, especially when compared to life insurance policy and also provides the advantage of covering minor injuries and the loss of income.

      Personal Accident Insurance plans offered by Future Generali

      The company offers a personal accident insurance plan called Accident Surakhsa. Let us take a closer look at the personal accident insurance plans as offered by Future Generali.

      Future Generali Personal Accident Insurance Plan – Accident Suraksha

      The Future Generali Personal Accident Insurance plans cover the insured persons and their family members against various circumstances related to accidents. These circumstances may be minor hurts and injuries or major disablements and even death. These plans aim to provide financial security and stability for the insured individuals and their families in the unfortunate event of an accident.

      The Scope of Coverage of the Future Generali Personal Accident Insurance Plan – Accident Suraksha:

      • Permanent Total Disablement [PTD] Benefit - A lump sum payment would be made, as per the scale provided in the policy, in the event of Permanent Total Disability of the person insured due to an accident.
      • Permanent Partial Disablement [PPD] Benefit - A lump sum payment would be made, as per the scale provided in the policy, in the event of Permanent Partial Disability of the person insured due to an accident.
      • Accidental Death [AD] Benefit - A lump sum payment would be made in the event of the Death of the person insured, due to an accident.
      • Temporary Total Disablement Benefit - A weekly allowance would be paid to the insured to compensate for the loss of income because of Temporary Total Disability caused by an accident.
      • Repatriation Benefit and Funeral Expenses - The plan covers repatriation of mortal remains and the cremation or burial expenses will be covered. This is an inbuilt cover.

      Additional Covers under the Future Generali Personal Accident Insurance Plan – Accident Suraksha

      On paying an extra premium on the Personal Accident Insurance Plan, an individual can avail of the following covers:

      • Child Education Support
      • Family Transportation Allowance - If a claim under Accidental Death or Permanent Total Disablement is accepted, Future Generali will reimburse the expenses incurred in transporting one immediate family member to the hospital, provided that such Hospital is located at least 100 km from the insured person’s residence. The actual transportation expenses will be reimbursed up to 10% of the Principal Sum Insured subject to a maximum amount of Rs. 50,000.
      • Loan Protector - A lump sum amount is paid by Future Generali in the event of accidental death or Permanent Total Disablement. Benefit also payable upon each completed month of Accidental Hospitalization up to the maximum number of months mentioned on the schedule.
      • Adaptation Allowance - If Future Generali has paid the claim towards Permanent Total Disablement and you are required to modify your vehicle or make some changes in your house as necessitated by a Permanent Total Disablement which resulted from an Accident covered under this Policy then Future Generali shall reimburse such expenses up to a limit of 10% of the Principal Sum Insured subject to a maximum of Rs.50,000.
      • Accident hospitalization (inpatient) - Hospital expenses that are incurred for the inpatient treatment of the insured person who has met with an accident will be covered.
      • Accidental Medical Expenses - Medical expenses that are incurred for the inpatient treatment of the insured person who has met with an accident will be covered.
      • Terrorism - If there is an Accidental Death or Permanent Total Disablement or Permanent Partial Disablement or Temporary Total Disablement due to the insured person being a victim of terrorism, Future Generali will cover the case.
      • Hospital Cash Allowance - If the insured person meets with an accident and is hospitalized, he or she may apply for a hospital cash allowance.
      • Life Support Benefit -  In the event of Future Generali making payment for a claim for Permanent Total Disablement, Future Generali will also make payment towards your life support the sum insured mentioned against this benefit per month for the number of months mentioned in the Schedule.


      • Individuals between the ages of 18 years to 70 years are covered under these plans.
      • Children who between the ages of 5 years to 25 years are covered under the plan, so long as at least one parent is insured.
      • The plans cover a period of one year.

      Additional Features of the Future Generali Accident Surakhsa – Personal Accident Insurance Plans

      • The average turn-around-time for the claim settlement of Future Generali insurance plans is within a period of 14 working days. This is on the condition that all the documentation and information has been provided.
      • Future Generali Personal Accident Insurance provides 24/7 worldwide cover for its customers.
      • The plan has no maximum cover ceasing age. Therefore, the plan has lifelong renewability.
      • A Grace Period of 30 days is provided for renewing the policy from the date of expiry.
      • There is no medical examination required for availing of the Future Generali personal accident plans.
      • The plan is very flexible as the insured person can cover his or her spouse and children as well.
      • In case more than one person is covered under the Future Generali Personal Accident Plan, then a Family Discount of 10% is provided.
      • An existing Personal Accident Policy may be ported to Future Generali at no extra cost.
      • There is a Free Look Period of 15 days from the date of receiving the policy documents. If the person is not satisfied with the coverage or the terms and conditions of the policy, then he or she may opt to return the same, provided that no claim has been made. Future Generali will refund the premium paid as per the terms and conditions.


      There are certain factors that are excluded from the scope of coverage of personal accident insurance. The exclusions are as follows:

      • Suicide, attempted suicide or willfully self-inflicted injury or illness, mental disorder, anxiety/stress/depression/nervousness, venereal disease, alcoholism, drunkenness or drug abuse
      • Manual work or hazardous occupation, self-exposure to needless peril (except in an attempt to save human life), engaging in any criminal or illegal act.
      • Pregnancy, resulting in childbirth, miscarriage, abortion, or complication arising out of any of the foregoing.
      • War or any act of war, invasion, act of foreign enemy, war like operations, civil war, public defense, rebellion revolution, insurrection, military or usurped acts, riot, chemical, radioactive or nuclear contamination.
      • Participation or involvement in naval, military or air force operations, racing, diving, aviation, scuba diving, parachuting, hang-gliding, rock or mountain climbing.
      • Any breach of law with criminal intent.
      • Abuse of intoxicants or hallucinogens including drugs & alcohol.

      Percentage of Sum Insured

      The following table makes it clear how much percentage of the Sum Insured will be reimbursed in case of different accidental events:


      Percentage of Sum Insured

      Accidental Death


      Permanent Total Disablement


      Permanent Total Loss of sight of both eyes


      Permanent Loss of sight of one eye and physical separation of or the loss of ability to use one hand and one foot


      Permanent Total Loss and physical separation of or the loss of ability to use both hands or both feet


      Permanent Total Loss and physical
      separation of or the loss of ability to
      use one hand and one foot


      Permanent Partial Disablement:

      As follows

      An arm at the shoulder joint


      An arm above the elbow joint


      A hand at the wrist


      An arm beneath the elbow joint


      A thumb


      An index finger


      Any other finger


      A leg above mid-thigh


      A leg up to mid thigh


      A leg up to beneath the knee


      A leg up to mid-calf


      A foot at the ankle


      A large toe


      Any other toe


      Permanent Loss of sight of one eye


      Hearing of one ear


      Hearing of both ears


      Sense of smell


      Sense of taste


      Shortening of leg by at least 5%


      Temporary Total Disablement

      1 % (per week upto a maximum of 100 weeks or as mentioned in the schedule)

      Premium Calculator

      Future Generali provides the facility of premium calculation to prospective individuals seeking to buy personal accident insurance plans from the company. Following are some of the instances where the premium has been calculated using the company’s calculator:

      • A wants to apply for a very basic Personal Accident Insurance plan for himself for a value of Rs.5 lakhs. His annual premium works out to be Rs. 355 only.
      • B wants to buy a plan for himself and his newly married wife. He approaches Future Generali with a proposal to cover himself and his spouse on a basic personal accident insurance plan for a total of Rs. 10 lakhs. The premium for their Personal Accident Premium Insurance plans comes to Rs.713.
      • C needs a basic personal accident premium insurance plan for his family comprising of himself, his wife and his two children. The coverage sought is Rs.25 lakhs for which the premium charged is Rs. 1642.

      The table tabulates the above data for an instant reference


      Number of members covered

      Sum Assured (Rs.)

      Premium (with taxes) (Rs.)



      5 lakhs




      10 lakhs




      25 lakhs


      Applying for Personal Accident Insurance Plans from Future Generali

      The Personal Accident Insurance plans offered by FutureGenerali can be applied to through multiple channels. A person who wishes to avail of a Personal Accident Insurance Plan from Future Generali may opt for any of the following ways to do so:

      • Individuals who are interested in purchasing personal accident insurance plans from Future Generali can log on to the company website and get a recommendation about which health insurance plans are suitable to them.
      • Individuals desirous of availing any of the personal accident insurance plans can simply call the Sales helpline of the company and speak to the customer service representative.
      • They can chat online with a customer service representative regarding the health insurance plans from Monday to Friday from 9 AM to 6 PM.
      • They can also request a call back from company by leaving their name, mobile number and email ID on the company website.
      • Lastly, customers may also visit the company’s branches or get in touch with an agent to buy the plans required.

      Future Generali Personal Accident - FAQs

      Policybazaar exclusive benefits
      • 30 minutes claim support*
      • 50,000 claims approved in last 15 months*
      • Schedule home visit with our advisors
      • Get a plan based on your medical needs
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

      Health insurance articles

      Recent Articles
      Popular Articles
      Should You Buy a Super Top-up Health Insurance Policy?

      18 Jan 2023

      India is abuzz with a variety of health insurance plans to cater
      Read more
      6 Reasons Why Your Cashless Health Claims Can Get Denied

      18 Jan 2023

      Cashless claims are one of the most lucrative benefits of buying a
      Read more
      Check Out the Mandatory KYC Documents for Health Insurance

      30 Dec 2022

      The Insurance Regulatory & Development Authority of India
      Read more
      What to Look for in a Health Insurance for Cancer Plan?

      20 Dec 2022

      Cancer is one of the biggest demons that the world faces today
      Read more
      What are the Factors Affecting Health Insurance Premium?

      20 Dec 2022

      Demand for insurance products in India, especially health
      Read more
      What are the Normal Thyroid Stimulating Hormone (TSH) Levels as Per Age?
      The thyroid gland is an important gland responsible to produce the right amount of hormones for normal body
      Read more
      How to Apply for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)?
      Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal
      Read more
      Income Tax Slab for Women: Guide to Exemptions and Rebates
      In India, every person who earns beyond a certain limit is liable to pay income tax to the government. The tax
      Read more
      Best Health Insurance Plans for Senior Citizens in 2023
      Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance
      Read more
      How Senior Citizens can save Tax with Medical Bills u/s 80 D?
      Senior citizens can save on income tax by availing tax benefits on medical expenses under Section 80D of the Income
      Read more

      Future Generali Personal Accident Reviews & Ratings

      4.6 / 5 (Based on 24 Reviews)
      (Showing Newest 10 reviews)
      Chattarpur, August 02, 2016
      Future generali personal accident plan is good, It secure the future and the premium is also less. The best thing is that the claiming process is very easy and amount is sanctioned easily. Service is fantastic which is given 24X7 by staff members.
      Dholpur, July 22, 2016
      Good Insurance
      Future generali insurance is good policy providers, i bought personal accident plan. It has good coverage in less investment. Service is fast and ambulance giving free ride at any location to the policy holder. Fantastic online services too.
      Kandukur, July 07, 2016
      Personal Accident Insurance
      Personal accident insurance policy is very much important as any other policy. I have one and it provide me good service with great benefits. The policy coverage is high and it cover almost all the expenditures. Claiming is easy due to fast service given by staff members.
      Agra, June 24, 2016
      Nice Insurance
      My personal accident plan has maximum returns and it come's in low premiums. The policy coverage is high, even accidental death benefits is there and the ambulance service is absolutely free. Service provided by the department of the company is quick, Online service is also nice and easy to operate.
      Navi_mumbai, April 27, 2016
      Great Benefits
      The benefits are very much attractive and service is awesome. Policy coverage is high and the policy premiums are low. Claiming procedure is very easy due to fast service provided by the executives. Great plan no doubt, thanks for the future generali personal accident plan. I really like my policy plan.
      Hanumangarh, April 27, 2016
      I found personal accident plan by long searching on web and took it from future generali general insurance. The policy coverage is high ~89% and the policy claims are even better. The claims are easily sanctioned because the executives and staff members are ready to help each and every time with calm behaviour.
      Pune, April 27, 2016
      I purchase future generali personal accident plan which is really nice. The investment is low and the payback returns are high. Policy coverage is high ~88% and the claims are good. The service facilitate by the executives and staff members is very nice. Great works guys.
      Sultanpur, April 27, 2016
      Just Go For It
      I have very great personal accident plan from future generali general insurance. The policy coverage is 85% and the claims are good. The service is very fast and always on time. The ambulance is facilitate for free for both sides. I like my policy plan.
      Mahabaleswar, April 27, 2016
      I buy future generali personal accident plan. The policy coverage is high and the claims are high too. The service is fast and claims are easily sanctioned. The ambulance is facilitate and there is no charges for it. Good future investment.
      Kalyan, April 27, 2016
      Best Plan
      The policy i have is the best. Future generali personal accident plan i have which has low premiums. The policy coverage is high and the claims are even better. Fast services are provided by the executives and staff members. Great future investment and tax saving.
      Download the Policybazaar app
      to manage all your insurance needs.