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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