Future Generali Flexi Online

Future Generali Flexi Online is a pure risk premium, non-linked, non-participating life insurance plan that has been carefully crafted to protect an insured person from all life uncertainties. With the optional enhancement of additional riders, it is a perfect policy for anyone looking for financial security in the face of probable misfortunes. Available in convenient premium payment modes and terms, this plan has been a go-to option for many since its inception, which is also indicated by numerous Future Generali Flexi Online reviews.

Parameters

Details

Policy Tenure

Basic Life Cover:

10 years (Minimum)

Maximum:                    

  • Smokers: 65-Entry Age
  • Non-Smokers: 75 years –Entry Age

Income Protection:

Minimum: 10 years; min maturity age 45 years

Maximum: 65-Entry Age

Premium Paying Term

Equal to Policy Term in all options

Premium Paying Mode

Annual and Monthly

Entry Age

Basic Life Cover: 18 -55 years

Income Protection: 25 -55 years

Maturity Age

Basic Life Cover:

Minimum age: 45 years ;

Maximum:

  • 65 years for smokers, 
  • 75 years for non-smokers

Income Protection: 45-65 years

Grace Period

30 days (15 days for monthly mode)

Sum Assured

Basic Life Cover:

Minimum: Rs. 50,00,000

Maximum: No limit *

Fixed Income Protection:

Minimum: Rs. 25,000 (for Entry age of 25 to 43 years)

Rs. 35,000 (for Entry age of 44 to 48 years)

Rs. 42,000 (for Entry age of 49 to 55 years)

Maximum: No Limit*

Increasing Income Protection:

Minimum: Rs. 25,000 (for entry age of 25 to 48 years)

Rs. 30,000 (for entry age of 49 to 55 years)

Maximum: No Limit*

*Subject to underwriting guidelines

Liquidity

No loans are available.

Benefits of Future Generali Flexi Online

Here are the key benefits of Future Generali Flexi Online Plan:

Death Benefit:

On the policyholder's death, the nominee would receive a death benefit equalling the amount of the sum assured. This Death Benefit will be calculated as the amount which is higher of any of these:

105% of the total Future Generali Flexi Online premium paid,

10 times Annualised Premium (excluding applicable taxes, rider and underwriting premiums, etc.),

Absolute Death Sum Assured amount payable on death

Tax Benefit:

The paid Future Generali Flexi Online premium is eligible for tax benefits under Sections 80 C, 80 CCC (1), 80 D, 10 (10D),* as applicable.

* Tax benefit is subject to changes in tax laws

*Standard T&C apply

Maturity Benefit:

There are no maturity benefits payable under the Future Generali Flexi Online policy.

Premium Savings:

This policy allows the applicants to save on applied premiums for higher sum assured amounts and even for female policyholders and non-smokers.

The Premium for Future Generali Flexi Online

The Future Generali Flexi Online premium can be paid annually or monthly.

These premiums can be paid in three premium terms: single pay, regular pay, and limited pay.

Additional Riders for Future Generali Flexi Online

Under Future Generali Flexi Online, the applicable rider option for this plan is:

  • Future Generali Accidental Benefit Rider

The policyholder can add on this rider to the base plan to secure himself and his family against accidental death or disability and seek extra financial protection.

Eligibility for Future Generali Flexi Online

  • Entry age: Minimum 18 years and maximum 55 years of age
  • Maturity age: Minimum 28 years and a maximum of 65 years for smokers and 75 years for non-smokers. (varies as per plans)

What are the Documents Required to Buy this Policy?

For anyone interested to buy the Future Generali Flexi Online plan,  the following documents will be required:

  • Age proof - Such as Driving license / Voter's ID card
  • Identity proof such as Voter's ID card / Driving Licence
  • Address proof such as Telephone bill / Ration card
  • Income proof such as Latest 3 months' Salary Slips / Assessment Order/ Employer's Certificate

How to Buy this Plan Online?

Online Future Generali Flexi Online plan can be purchased in a few quick steps:

  • Go to the official website of Policybazaar and fill in the details.
  • Generate a quotation for oneself in the Policybazaar website.
  • Fill in the online application form, pay for premium online.
  • Submit the necessary documents online.

Exclusions of Online Future Generali Flexi Online Plan

The policy presents a suicide clause, which is as follows:

  • Suppose the policyholder dies by suicide within a year of Future Generali Flexi Online policy. In that case, the beneficiary will be entitled to an amount that equals 80% of the premiums paid till death.
  • If the policyholder dies by suicide within a year from the revival date of the plan, if revived, the beneficiary will receive 80% of the premiums paid till death.

FAQs

Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
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Future Generali Flexi Online Reviews & Ratings

0 / 5 (Based on 31 Reviews)
(Showing Newest 25 reviews)
Omkar
Chennai , October 26, 2021
Great features
I have got day care hospitalization feature under the mediclaim policy which i have purchased from the policybazaar. It offered me lifelong renewability Cover. It includes tax exemption benefits, cashless hospitalization and many other facilities. overall i like my plan.
Angoor
Kolkata , October 26, 2021
Trustworthy website
I rarely trust the online purchasing because of the possibility of fraud but Policybazaar has built my trust up. I went through the online process when I was taking care health insurance from here and i found this website trustworthy.
Kush
Surat, October 26, 2021
Helpful staff
I rarely trust the online purchasing because of the possibility of fraud but Policybazaar has built my trust up. I went through the online process when I was taking care health insurance from here and i found this website trustworthy.
Ranveer
Pune, October 26, 2021
Low cost plan
Such a simple and easy process to buy a policy was provided to me by Policybazaar. Someone suggested me to check the health plans on Policybazaar website. i went through a lot of plans and i found the right plan here. i bought star health insurance at low cost.
Kushal
Jaipur, October 26, 2021
Good Coverage
I have bought Bajaj Allianz Health Insurance for my family and by taking a health plan, I have secured my entire family. I have got coverage against medical expenses and buying my policy online has saved my money as I did not have to pay agent fees.
Jitendra
Lucknow, October 26, 2021
Affordable plan
A friend of mine told me about Policybazaar. He said that he has found an affordable health plan deal in Policybazaar. I went to Policybazaar to buy the same plan. I wanted a family health plan so I took Aditya Birla health insurance and it has covered every member of my family.
Rajesh
Kanpur, October 26, 2021
Easy to compare
Last week i went to Policybazaar for taking health plan for my family. An executive explained the policy very well and showed me various plans out of which i chose digit health insurance and it has covered me and my wife.
Kuvar
Nagpur, October 26, 2021
Good plan
I was able to compare the various plans easily on the website of Policybazaar. At first, i was confused about what i should choose as so many options were given there but then i bought sbi general health insurance for my parents. I got really good senior citizen health plan.
Abhijeet
Allahabad, October 26, 2021
Hassle free experience
I had an amazing and hassle free experience with policybazaar. Everything has beem very smooth when i was purchasing health insurance from policybazaar. Their team assisted me in well mannered way.
Bhaskar
Ranchi, October 26, 2021
Problem resolving
I contacted the customer care of policybazaar as i was facing some difficulty. They just took a minute to solve my problem. I am happy that i have bought my health insurance from the right place. Policybazaar always give proper attention to its customers.
Debyendu
Haora, October 26, 2021
Supportive team
When I was buying my health insurance from the website of Policybazaar, I was a little confused about the policy. I got in touch with the customer care and the executive guided me very well and cleared all my doubts with satisfactory answers. Thanks to Policybazaar for guiding me.
Gaurav
Coimbatore, October 26, 2021
Smooth service
In my health insurance, company is providing me financial assistance. i have got medical coverage against medical expenses arising out of health emergency which i have taken from the Policybazaar. service of policybazaar is very smooth and fast.
Angad
Jabalpur, October 26, 2021
Good service
I have bought health insurance through the website of policybazaar. Policybazaar gave me full support and when i contacted the customer care of policybazaar for clearing some of my queries they provided me very good service. Thanks to the Policybazaar for Giving me superb service.
Aniruddh
Gwalior, October 26, 2021
Cashless treatment
I have got cashless treatment facility in my health insurance. This will help me to save my savings as I will not have to bear the financial burden of medical expenses. Anyone who is looking for the best and an affordable health plan I would love to recommend Policybazaar to them.
Onkar
Vijayawada, October 26, 2021
Easy Reimbursement
My experience with Policybazaar has been great. I had taken senior citizen health insurance for my mother from Policybazaar. Last month, she was admitted to the hospital due to a medical emergency. When she got discharged I connected with Policybazaar for reimbursement of hospital bills and I got it immediately
Paramjit
Jodhpur, October 26, 2021
No claim bonus
Policybazaar is totally worthy place to buy any kind of plan. I have been using senior citizen health insurance for a long time which i had take for my parents. I never raised the claim request so i got discount on the premium rate when i was renewing the plan.
Kartik
Madurai, October 26, 2021
Add on cover
I am using senior citizen health insurance since last year which i had taken from the policybazaar and recently i have customized my health plan with add on cover and added some additional features to it which i got at an affordable rate.
Karun
Raipur, October 26, 2021
Low premium
I have taken senior citizen health insurance for my parents. It has Coverage against medical expenses. Pre hospitalization, post hospitalization expenses features are covered under the plan. It has low premium rate and covered huge number of benefits.
Swapan
Kota, October 26, 2021
Easy Reimbursement
I got reimbursement in hospital bills. I bought senior citizen health insurance for my mother from Policybazaar and a month back she faced some medical problems. I connected with policybazaar for reimbursement and i got it without any hassle.
Tarun
Guwahati, October 26, 2021
Pocket friendly plan
I was looking for senior citizen health insurance for a long time which I wanted to take for my father. A relative of mine suggested me the Policybazaar website. I landed to their website and checked the health plans. In the end I finally found one that came within my budget.
Tejas
Chandigarh, October 26, 2021
Affordable plan
I was looking for family health insurance for a long time. I searched a lot on Google and finally found the website of policybazaar. Here i got family health insurance according to my budget and needs. I really liked the service provided by the Policybazaar.
Ayesha
Solapur, October 26, 2021
High coverage
I have secured my family with the help of family health insurance which i have purchased from Policybazaar. In my health plan, i have got coverage for medical expenses. From now on i do not have to bear financial burden as my policy will give me financial protection.
Bahaar
Hubli And Dharwad, October 26, 2021
Good in customer handling
Policybazaar is very good in terms of handling customers. I bought family health insurance from Policybazaar and their team maintained professionalism with courteous demeanor which was absolutely impressive. I would definitely like to get in touch with Policybazaar for more plans.
Bhagyashree
Bareilly, October 26, 2021
Minimal paperwork
In my family health insurance, every member of my family are covered. there was minimal and Hassle free paperwork. I got high number of coverage and benefits under my plan. the team of policybazaar guided me and helped me to select the suitable plan.
Devika
Moradabad, October 26, 2021
Faster claim settlement
Thankfully I had taken family health insurance from Policybazaar. a while ago, i had to admitted my father to the hospital due to sudden medical emergency. i had claimed and got the claim very easily and quickly. I got faster claim settlement. I am happy with the service.
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