Future Generali Accident Suraksha Insurance

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*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

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      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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      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
      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

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