Future Generali Accident Suraksha Insurance

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.

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Future Generali Accident Suraksha Insurance

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    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

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