Future Generali Future Student Suraksha Plan

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Introduction/Overview

Future Student Suraksha prepares the insured against the uncertainty of studying in a foreign land. It is a two year plan that covers everything from medical expenses and passports to special allowances like tuition fees and sponsor protection.

The policy provides medical care, personal accident, personal care, travel inconvenience, legal liability and special allowances for students travelling abroad.

Key Features

  • The policy consists of the following sections:
    • SECTION A: Medical Care
    • SECTION B: Travel Inconvenience
    • SECTION C: Personal Care
    • SECTION D: Personal Accident
    • SECTION E: Special Care
    • SECTION F: Legal Liability
  • Cashless claims settlement in network hospitals.
  • Reimbursement of claims in non-network hospital as per policy terms and conditions
  • Claims turnaround time of less than fourteen working days
  • Worldwide Service Provider and Hospital Network
  • Worldwide Emergency, Medical and Travel Assistance Services
  • Flexibility of choosing a Travel Insurance Plan as per your need
  • Ease and convenience of purchase
  • Instant policy issuance
  • No pre-acceptance medical tests are required.

Benefits

The following services are provided by a student travel insurance policy:

Medical Care

  • Medical Expenses
  • Medical Evacuation
  • Repatriation Of Remains
  • Emergency Dental Treatment
  • Maternity Benefits
  • Mental And Nervous Disorders

Personal Accident

  • Accidental Death and Permanent Total Disability
  • Accidental Death (Common Carrier)

Personal Care

  • Baggage Loss (Checked in baggage)
  • Baggage Delay (checked in baggage)
  • Compassionate Visit

Travel Inconvenience

  • Loss of Passport

Legal Liability

  • Personal Liability

Special Allowances

  • Tuition Fee
  • Sponsor Protection
  • Bail Bond
  • Felonious Assault

Details about Premium

Worldwide rates (excluding service tax)
Plan Basic Standard Silver Gold Platinum
Sum Insured 3319747 3319747 6639495 9959242 13278990 16598737 33197475
30 days 1269 1813 2267 3255 4865
60 days 2221 3173 3636 4577 5332
90 days 3175 4533 4986 5689 6987
120 days 4125 5893 6346 7432 8432
180 days 5077 7253 7706 8324 9345
240 days 6346 9066 9519 10654 11333
270 days 7933 11333 11786 12653 13567
365 days 9519 13599 14053 14678 15899
1.5 years 14597 20853 21306 21756 23677
2 years 19356 27653 28105 28558 29655

*The above rates may vary. Please check the policy wordings for more details.

Policy Details

Coverage type: Individual/Family

Grace period: Grace Period of 30 days for renewing the policy is provided under this policy.

Policy termination: In case the insured person returns the policy prior to expiry of the policy period, the company will refund premium at the following rates subject to no claims being incurred on the policy.

 

Period of Risk Rate of Premium Retained by Company
Above 50% of Policy Period 100% of premium
Above 40% to 50% of Policy Period 80% of premium
Above 30% to 40% of Policy Period 75% of premium
Above 20% to 30% of Policy Period 60% of premium
Policy inception-20% of Policy Period 50% of premium

 

Free look period: 15 days

Exclusions

  • Benefits will not be available for any condition, ailment or injury or related condition for which insured person has been diagnosed, received medical treatment, had signs and/ or symptoms, prior to inception of his first Policy, until 48 consecutive months have elapsed, after the date of inception of the first Policy.
  • Any claim which arises before the commencement of the trip covered
  • Travelling against the advice of a Medical Practitioner
  • Injury or Disease directly or indirectly caused by or contributed to by nuclear weapons/ materials.
  • If the insured person is under the influence of drugs, alcohol, or other intoxicants or hallucinogens unless taken as prescribed
  • Participation of policy holder in an actual or attempted felony, riot, crime, misdemeanor, or civil commotion.
  • If the insured person is operating or learning to operate any aircraft, or performing duties as a member of the crew on any aircraft.

Eligibility

  • Min Age-18 years
  • Max Age-35 years