Future Generali Travel Insurance

4.3 / 5 based on 24 User Reviews
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Future Generali Travel Insurance Overview

Future Generali is a general insurance Company that is a joint venture between a leading Indian business conglomerate, the Future Group of industries and the Generali group, which is a leading Italian based company, which is a prime leader in financial protection and wealth management. The Generali group is the largest insurance company in Italy and is also among the most reputed and largest insurance providers in Europe. The company started its operations September 2007. The company offers a range of insurance products for its customers across all segments that includes all major insurance that a person may need. When it comes to Travel Insurance, the company offers its customers a host of plans whether it is for individuals, or the entire family or even students.

Why Travel Insurance?

Travelling is something an individual undertakes to take a break from the daily monotonous lifestyle or for any pressing business need. In both the scenarios, getting the trip hampered due to some unforeseen and uncontrollable circumstance puts a sour taste in the mouth. Not only the travel itinerary is completely ruined but it also involves a considerable loss of finances, something, which an average man cannot bear on his budget planning. As such, insuring oneself through travel insurance seems the best and prudent course of action.

Travel Insurance plans offered by Future Generali

The company offers a host of travel insurance plans to individuals, their families and students. These are offered under the term Future Suraksha. Let us take a look at the different travel insurance plans as offered by Future Generali.

Future Suraksha - Travel plans for worldwide travel

The Future Generali Travel insurance plans protect the insured person against various risks, such as illnesses, theft and any other such occurrences when the person is travelling alone. This plan has four policy variants, which are, Platinum, Gold, Silver and Standard. A closer look at the Future Generali Future Suraksha Travel Insurance Plans (worldwide) reveals the following benefits:

  • Cashless claims settlement
  • The turnaround time for claim settlement is less than fourteen working days.
  • This plan provides worldwide emergency, medical and travel assistance services.
  • This plan provides an escort for a child who is travelling.
  • The policy is issued almost immediately with the least amount of hassles.
  • Medical treatment, assistance and evacuation is provided that provides coverage against any emergency medical treatment that requires inpatient care. It includes the medical evacuation to the hospital.
  • Medical expenses for pain relieving dental treatment or dental treatment that is required due to an accident will be covered.
  • The plan covers repatriation of mortal remains where the cost of transporting the mortal remains to the place of residence or a cremation or burial in the foreign country, will be covered.
  • A daily cash benefit is received in case of a continuous and completed 24 hours of hospitalization.
  • The plan covers against death or the permanent total disablement in case of an accident.
  • Coverage against the loss of checked-in baggage by a carrier, on which the insured person is travelling as a passenger, is provided.
  • The plan will offer a compensation in case of any delay in the delivery of checked-in baggage in baggage by a carrier, on which the insured person is travelling as a passenger.
  • The plan will pay a lump sum amount to the insured person in case of a financial emergency, such as theft, pilferage or robbery. The lump sum will be paid to replace the funds lost.
  • The plan offers a Personal Legal Liability benefit, wherein it will cover against any legal liability (including defense costs) to pay damages for his negligence which results from a third party civil claim for third party death, bodily injury or property damage.
  • The plan will cover for any delay beyond the scheduled departure or arrival time of a carrier. A lump sum amount will be paid to the insured person.
  • The plan will cover against the unfortunate event of a hijacking.
  • There is a trip cancellation or curtailment benefit wherein the plan will compensate the insured person against any unforeseen delays, cancellations that may occur due to death, hospitalization or an act of God.
  • The plan compensates the passenger against any missed connecting flight due to the delay of an inward flight.
  • Future Generali will organize hospital admission if required.
  • In case of emergency, Future Generali will communicate message to the insured person’s family.
  • Medical advice will be provided over telephone
  • Future Generali will help set up appointments with local doctors.
  • Future Generali will organize a compassionate visit from the family of the insured person.
  • Future Generali will dispatch medicine that is not locally available for the insured person.
  • The company provides travel assistance services where, pre-trip information is provided, embassy referral will be provided, lost luggage and passport assistance will be provided and it will organize the hotel accommodation.

Eligibility

  • Individuals between the ages of 6 months to 70 years are covered under the Standard, Silver, Gold and Platinum plans.
  • Senior citizens  from the age of 71 to 80 year are covered under the Super Care Plans.
  • This plan has worldwide coverage.

Future Suraksha - Travel plans for travel in Asia

The Future Generali Travel insurance plans protect the insured person against various risks, such as illnesses, theft and any other such occurrences when the person is travelling alone. This plan has two policy variants, which are individual and family floater. A closer look at the Future Generali Future Suraksha Travel Insurance Plans (Asia) reveals the following benefits:

  • Cashless claims settlement
  • The turnaround time for claim settlement is less than fourteen working days.
  • This plan provides worldwide emergency, medical and travel assistance services.
  • The policy is issued almost immediately with the least amount of hassles.
  • Medical treatment, assistance and evacuation are provided that provides coverage against any emergency medical treatment that requires inpatient care. It includes the medical evacuation to the hospital.
  • The plan covers repatriation of mortal remains where the cost of transporting the mortal remains to the place of residence or a cremation or burial in the foreign country, will be covered.
  • A daily cash benefit is received in case of a continuous and completed 24 hours of hospitalization.
  • The plan will cover against the unfortunate event of a hijacking.
  • Future Generali will arrange for the compassionate visit of family members when required.
  • The plan covers against death or the permanent total disablement in case of an accident.
  • Coverage against the loss of checked-in baggage by a carrier, on which the insured person is travelling as a passenger, is provided.
  • The plan will offer a compensation in case of any delay in the delivery of checked-in baggage in baggage by a carrier, on which the insured person is travelling as a passenger.
  • The plan offers a Personal Legal Liability benefit, wherein it will cover against any legal liability (including defense costs) to pay damages for his negligence which results from a third party civil claim for third party death, bodily injury or property damage.
  • The plan will cover for any delay beyond the scheduled departure or arrival time of a carrier. A lump sum amount will be paid to the insured person.
  • There is a trip cancellation or curtailment benefit wherein the plan will compensate the insured person against any unforeseen delays, cancellations that may occur due to death, hospitalization or an act of God.
  • The plan compensates the passenger against any missed connecting flight due to the delay of an inward flight.
  • The company provides travel assistance services where, embassy referral will be provided, lost luggage and passport assistance will be provided.

Eligibility

  • Individuals between the ages of 6 months to 70 years are covered under individual plans.
  • The family floater plan variant has the maximum age at entry at 65 years and it is 6 months to 25 years for dependent children. The family floater plan covers the insured person (self), the spouse and two dependent children.
  • This plan has coverage in all of Asia except Japan and Korea.

Future Suraksha - Travel plans for travel in Europe

The Future Generali Travel insurance plans protect the insured person against various risks, such as illnesses, theft and any other such occurrences when the person is travelling alone. This plan has three policy variants, which are Standard, Silver and Gold. The plan is available on individual and family floater basis. The sum insured in the floater plan would be a single sum insured for the entire family. A closer look at the Future Generali Future Suraksha Travel Insurance Plans (Europe) reveals the following benefits:

  • Cashless claims settlement
  • Future Generali provides a global service and hospital network for the convenience of its customers.
  • The turnaround time for claim settlement is less than fourteen working days.
  • This plan provides worldwide emergency, medical and travel assistance services.
  • Future Generali provides a Universal International Free phone Number (UIFN)
  • The policy is issued almost immediately with the least amount of hassles.
  • Medical treatment, assistance and evacuation are provided that provides coverage against any emergency medical treatment that requires inpatient care. It includes the medical evacuation to the hospital.
  • Medical expenses for pain relieving dental treatment or dental treatment that is required due to an accident will be covered.
  • The plan covers repatriation of mortal remains where the cost of transporting the mortal remains to the place of residence or a cremation or burial in the foreign country, will be covered.
  • A daily cash benefit is received in case of a continuous and completed 24 hours of hospitalization.
  • The plan covers against death or the permanent total disablement in case of an accident.
  • Coverage against the loss of checked-in baggage by a carrier, on which the insured person is travelling as a passenger, is provided.
  • The plan will offer a compensation in case of any delay in the delivery of checked-in baggage in baggage by a carrier, on which the insured person is travelling as a passenger.
  • The plan offers a Personal Legal Liability benefit, wherein it will cover against any legal liability (including defense costs) to pay damages for his negligence which results from a third party civil claim for third party death, bodily injury or property damage.
  • The plan will cover for any delay beyond the scheduled departure or arrival time of a carrier. A lump sum amount will be paid to the insured person.
  • There is a trip cancellation or curtailment benefit wherein the plan will compensate the insured person against any unforeseen delays, cancellations that may occur due to death, hospitalization or an act of God.
  • The plan compensates the passenger against any missed connecting flight due to the delay of an inward flight.
  • The company provides travel assistance services where, pre-trip information, embassy referral will be provided, lost luggage and passport assistance, and arrangement of a hotel accommodation will be provided.
  • Medical advice will be provided over telephone
  • Future Generali will help set up appointments with local doctors.
  • Future Generali will organize a compassionate visit from the family of the insured person.
  • Future Generali will dispatch medicine that is not locally available for the insured person.
  • Future Generali will make return arrangement for a minor.

Eligibility

  • Individuals between the ages of 6 months to 70 years are covered under individual and family floater plans.
  • The family floater plan covers the insured person (self), the spouse and two dependent children.
  • This plan has coverage for those who are visiting Europe on a Schengen Visa. The following countries are covered - Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia Slovenia, Spain, Sweden And Switzerland.

Future Student Suraksha - Travel plans for students

The Future Generali Travel insurance plans protect the insured person against various risks, such as illnesses, theft and any other such occurrences when the person is travelling alone. This plan has three policy variants, which are Standard, Silver and Gold. The plan is available on individual and family floater basis. The sum insured in the floater plan would be a single sum insured for the entire family. A closer look at the Future Generali Future Student Suraksha Travel Insurance Plans reveals the following benefits:

  • Future Generali provides 24*7 toll-free assistance.
  • Future Generali provides a global service and hospital network for the convenience of its customers.
  • The turnaround time for claim settlement is less than fourteen working days.
  • This plan provides worldwide emergency, medical and travel assistance services.
  • The policy is issued almost immediately with the least amount of hassles.
  • Medical treatment, assistance and evacuation are provided that provides coverage against any emergency medical treatment that requires inpatient care. It includes the medical evacuation to the hospital.
  • Medical expenses for pain relieving dental treatment or dental treatment that is required due to an accident will be covered.
  • The plan covers repatriation of mortal remains where the cost of transporting the mortal remains to the place of residence or a cremation or burial in the foreign country, will be covered.
  • The plan provides a maternity benefit.
  • Mental and Nervous Disorders are covered under this plan.
  • The plan covers against death or the permanent total disablement in case of an accident.
  • Coverage against the loss of checked-in baggage by a carrier, on which the insured person is travelling as a passenger, is provided.
  • The plan will offer a compensation in case of any delay in the delivery of checked-in baggage in baggage by a carrier, on which the insured person is travelling as a passenger.
  • The plan offers a Personal Legal Liability benefit, wherein it will cover against any legal liability (including defense costs) to pay damages for his negligence which results from a third party civil claim for third party death, bodily injury or property damage.
  • The plan also provides the reimbursement of un-used tuition fees if the insured person is unable to attend the rest of the semester as he or she was hospitalized for more than one month for a covered injury/sickness or in case of medical repatriation or in the case of the accidental death of a family member.
  • The company provides travel assistance services where lost luggage and passport assistance will be provided.
  • If the sponsor of the insured person suffers from an accidental death or permanent disablement, Future Generali will reimburse the tuition fee for the remaining period of the education up to the specified limit.
  • Future Generali will also provide Special Allowances such as Felonious Assault and Bail Bond.

Eligibility

  • Individuals between the ages of 18 months to 35 years are covered.
  • This plan has worldwide coverage.

Exclusions under the Travel Insurance Plans from Future Generali

There are certain factors that are excluded from the scope of coverage of travel insurance. The exclusions are as follows:

  • A pre-existing medical condition present prior to availing the plan and any complication arising out of such condition for which care, treatment or advice was sought from a medical practitioner.
  • Routine physical or other examination where there is no indication of impairment of common health
  • Medical expenses occurring beyond the policy period
  • Suicide, attempted suicide or willfully self-inflicted injury or illness, mental disorder, anxiety/stress/depression/nervousness, venereal disease, alcoholism, drunkenness or drug abuse
  • Manual work or hazardous occupation, self-exposure to needless peril (except in an attempt to save human life), engaging in any criminal or illegal act.
  • Loss or damage to the insured's passport due to confiscation or detention by customs, police or any other authority.
  • Loss which is not reported to the appropriate police authority within 24 hours of the discovery of the loss, and for which an official report has not been obtained.
  • Loss due to the insured's failure to take steps to guard against the loss of passport.
  • War or any act of war, invasion, act of foreign enemy, war like operations, civil war, public defense, rebellion revolution, insurrection, military or usurped acts, riot, terrorism, chemical, radioactive or nuclear contamination.
  • Participation or involvement in naval, military or air force operations, racing, diving, aviation, scuba diving, parachuting, hang-gliding, rock or mountain climbing.
  • Any breach of law with criminal intent.

Applying for Travel Insurance Plans from Future Generali

Travel insurance plans offered by the company can be applied to through multiple channels like:

  • Individuals who are interested in purchasing travel insurance plans from Future Generali can log on to the company website and get a recommendation about which health insurance plans are suitable to them.
  • Individuals desirous of availing any of the personal accident insurance plans can simply call the Sales helpline of the company and speak to the customer service representative.
  • Customers may send a message to 9222211100 using the keyword ‘PRODUCT’.
  • They can chat online with a customer service representative regarding the health insurance plans from Monday to Friday from 9 AM to 6 PM.
  • They can also request a call back from company by leaving their name, mobile number and email ID on the company website.

Lastly, customers may also visit the company’s branches or get in touch with an agent to buy the plans required.

Future Generali Travel Insurance - FAQs

1. How to pay premium? What are the modes of payment available?

Future Generali India Insurance offers three ways to the clients for paying the premium

  • Auto Debit: Sign a mandate at time of buying the policy, thus your premium will be deducted automatically from the bank account
  • Cash/cheque deposit at Bank
  • Direct online payment

2. How can I check policy status for Future generali travel insurance?

You can check the policy details from the website of the company. You will have to create a profile initially and you can get all the policy details under your profile.

3. What is the policy renewal process for Future generali travel insurance?

You can renew the policy by login to e-Portal.

You can deposit the cash before the due date to renew it automatically.

4. What is the company’s process to settle claim for Future generali travel insurance?

The company takes not more than 7 days for settlement of the claims. You will have to apply for the claim at the company through toll free number, or by email. You need to submit relevant claims documents and the policy will be renewed automatically.

5. What is the policy cancellation process for Future generali travel insurance?

You can easily cancel the policy by walking into the nearest branch office with your policy documents and duly filled surrender form. It would take 5 business days to process the cancellation request and deposit the refund premium. An intimation letter on cancelled policy will be posted your registered address.

Future Generali Travel Insurance Reviews

TOTAL REVIEWS (24)
Bhasker
Lunawada
August 02, 2016

Perfect Policy Plan

Future generali travel insurance policy is come in low investments and it gives full benefits. The policy covers maximum expenditures and it recovers the loss. If the luggage is lost or missing the policy provides full reimbursement.

Apoorva
Fatehpur
July 22, 2016

Secure Travelling

Travel insurance is good for safe travelling. I have one from future generali general insurance for my last trip. Because of the insurance policy, my trip become more exciting and amazing. An accident happened on that trip, and i need emergency. Thank god i have the policy, it really did work good.

Sujata
Kanker
July 07, 2016

Travel Policy

My travel insurance plan is fantastic, it secure the travelling with full safety. Policy covers medical and baggage lost scenarios. The refund money of tickets is may not possible but rather than this all the other benefits are very catchy.

Akash
Alwar
June 24, 2016

Good Deal

The travel insurance of mine is very important part of my trip which make's the trip tension free. The premium is low and claims are high. The policy cover's maximum damage, even the luggage lost is reimbursed by the company. Just the refund amount of tickets is not possible.

Karan
Dwarakanagar
April 29, 2016

Responsive Facalty

Finally got the plan what i need for my travelling safely. Future generali travel insurance plan i purchase which has low premiums. The policy coverage is maximum and the claims are even much higher. The belongings is fully secured and the additional mediclaims are also included in the policy. I like the plan, Good job guys.

Uttam
Muktsar
April 29, 2016

Fine

Best travel insurance which i buy from future generali general insurance. The claims are high and the policy coverage is 81%. The mediclaims are included in the policy plan. The baggage lost or any belonging loss is recoverable. The services provide by the staff members is really nice and always on time.

Nitin
Rampur
April 29, 2016

Very Nice Plan

I took future generali travel insurance plan. The policy coverage and claims are high but in reverse the policy premiums are very low. The dental medication is free of any charges that it included in the policy. The lost luggage and belongings is also recovered. Good travel insurance in low investment.

Kanish
Bhiwadi
April 29, 2016

Fantastic Plan

The policy i have is future generali travel insurance. The policy coverage is high and the claims are high too. Service provided by the executives and the staff members are really very nice and on time. Good coverage which covers the mediclaims and luggage lost recovery. Nice investment which secure my travelling.

Vikas
Jhansi
April 29, 2016

Less Claims

Recently purchase future generali travel insurance. The plan is good but the claims are not that good. The dental mediclaims are included and the luggage only. No returns for tickets. The policy coverage is 77% and the service is nice with fast interface. Please improve your claiming.

Bhupesh
Lonavla
April 29, 2016

Great Deal

The travel insurance i took is from future generali general insurance. The plan is great which has low premiums. The policy coverage is high and the claims are good. Medical issues and luggage security is included in the policy plan.

Yajan
Ooty
April 29, 2016

Perfect Plan

Future generali travel insurance plan is one of the best insurer. The policy provide many benefits and the terms and conditions are really very good. The policy cover the mediclaims and the luggage lost. Services provided buy the executives and the staff members is nice and on time. I like the policy.

Mayank
Mohali
April 29, 2016

Travel insurance

I buy future generali travel insurance plan. The policy coverage is good and the claims are even better. The service you guys facilitate for me is really very nice. Medical and belongings are insured in the policy. The cancellation of tickets is not refundable.

Nilesh
Siliguri
April 29, 2016

High Coverage

The future generali travel insurance is the plan i bought for my family. The policy is great which has high policy coverage ~91%. The medical issues are covered in the plan even the lost luggage is recovered 100%. But the cancellation of the tickets for travelling is not refundable.

Rohit
Mysore
April 29, 2016

High Returns In Low Premium

I got future generali travel insurance which has high returns and the premium is low. The policy coverage is high and claims are even better. The service provided by the executives and staff members is very good and fast too. The web services are also nice. Good work guys.

Gagneet
Mumbai
April 29, 2016

Manageable

The policy coverage is 81% and the claims are even better. Nice policy i have that is., future generali travel insurance. The policy provides fast services and the behaviour of the staff members and executives is nice. The investment is low and the paybacks are high. Very flexible policy i must say. Totally manageable.

Aarsh
Kalyan
April 29, 2016

Not Satisfied

The policy i have is future generali travel insurance. I'm not satisfied with the policy. The policy premiums are high and the returns are not good as respect to investment. Around 70% coverage is avail for the lost luggage. The dental medical facilitate for free rest may take charges according to the terms and conditions. Service is bit slow but web services are okay.

Tushar
Bangalore
April 29, 2016

Awesome

My future generali travel insurance is the best. It provided the policy at very low price. The policy coverage is high and the premiums is low. Service is fast, all work is done on online and the no paperwork which remove the tension of the queue system. Claims are also good which includes the medical and luggage.

Lakshay
Yashwant_nagar
April 29, 2016

Average Policy

Future generali travel insurance i got which facilitate me the best travel insurance. The policy premiums are very low and the returns are high. The policy covers the medical and luggage recoveries. The services are really very fast and the behaviour of the executives and the staff members are really very nice.

Kiran
Ratnagiri
April 29, 2016

Trustworthy

My future generali travel insurance is very good. The premium is low and the policy coverage is high. The claiming procedure is easily and the the claims are easily sanctioned. The dental medication is free which is included in the policy. Luggage is covered in the claims are medical cases too. Good service provided by staff members and the policy is good investment which secure the travelling. I'm happy with the services.

Manju
Fatepura
April 29, 2016

Above Average

After long searching finally got the travel insurance form future generali general insurance. The policy coverage is high and the premium is low. The policy claims are high and the baggage and medical cases are included in the plan. Great returns in low investment. Good terms and conditions, satisfied.

Harpreet
Rai_bareilly
April 29, 2016

Nice Policy

I bought a travel insurance plan through future generali general insurance. The policy coverage is good and the claims are even better. The luggage is covered in the policy. Around 87% loss is recovered by the plan. The dental medication is also covered in my policy. Overall good benefits in low premiums.

Yogesh
Lucknow
April 27, 2016

Normal Travel Plan

I own future generali travel insurance and the policy plan has medical and luggage recovery both. The policy coverage is high approx. 87% and the claims are even better. The service is facilitate though out the country and over seas too.

Saurabh
Howrah
April 27, 2016

superb plan

My future generali travel insurance is nice. The policy coverage is approx. 80% of the lost luggage and dental medication is included in the plan. The claims are high and the facility is provided all over the world.

Prashant
Kota
April 27, 2016

Good

I purchase future generali travel insurance. The policy plan is good with nice benefits. The policy covers medical cases and baggage insurance included in the policy plan. Good future security of travelling and luggage including medical backups. I like the policy plan.