Future Generali Accident Suraksha Insurance

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Future Generali Accident Suraksha Insurance Overview:

No one has seen tomorrow and the best way to endure the challenges ahead is by safeguarding yourself and your loved ones now. Buying Future Generali’s Accident Suraksha Insurance Policy will help you alleviate the severity of unforeseen accidents and stay financially robust even in the times of distress.

This Future Generali Accident Suraksha insurance policy can be segregated under following covers:

a)    Primary Covers

  • Accidental Death
  • Permanent Total Disablement
  • Permanent Partial Disablement

b)    Additional Covers

  • Repatriation Benefit and Funeral Expenses

     On payment of additional premium, following covers can also be opted for:

  • Child Education Support
  • Life Support Benefit
  • Accidental Medical expenses
  • Accidental Hospitalization
  • Loan Protector
  • Adaptation Allowance
  • Family Transportation Allowance

Benefits of Future Generali Accident Suraksha Insurance:

Event

Percentage of Sum insured

Accidental Death

100%

Permanent Total loss of sight of both eyes

100%

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

100%

An arm at the shoulder joint

75%

A thumb

255

An index finger

10%

A leg above mid-thigh

75%

A leg up to the beneath knee

505

A foot at the ankle

40%

A large toe

5%

Hearing of both ears

75%

Sense of smell

10%

Sense of taste

5%

Shortening of leg by at least 5%

7%

 

Future Generali Accident Suraksha Insurance Premium Details:

Cover

Risk Class I

Risk Class 2

Risk Class 3

Accidental Death

0.4

0.6

0.9

Permanent Total Disablement

0.1

0.2

0.35

Temporary Total Disablement

0.5

0.75

Not applicable

Child Education Support

0.5

0.8

1.25

Life Support Benefit

0.1

0.2

0.35

Accidental Hospitalization

1.5

2

3

Accidental Medical Expenses

20% loading on total premium of primary covers

20% loading on total premium of primary covers

20% loading on total premium of primary covers

Hospital Cash Allowance

Rs 300

Rs 300

Rs 300

Loan Protector

2

2.8

4.25

Family Transportation Allowance

0.3

0.3

0.3

Repatriation of remains and funeral expenses

Inbuilt cover

Inbuilt cover

Inbuilt cover

*The above rates may change. Please check the policy wordings for more details.

Exclusions in Future Generali Accident Suraksha Insurance:

  • Death injury or disablement due to intentional self injuries, suicide or attempted suicide.
  • Disablement or death under influence of liquor or drug.
  • Death or disablement during racing, shooting, big game hunting, mountaineering, ice hockey, winter sports.
  • Insanity.
  • Breach of law with criminal intention.
  • War group of perils and nuclear group of perils.

Eligibility Criteria For Future Generali Accident Suraksha Insurance Policy:

  • Individual from age 18 years to 70 years
  • Children from age of 5 years to 25 years as dependent
  • Life-long renewal for break free policy
Written By: PolicyBazaar - Updated: 13 September 2016
Personal accident Insurers
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
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