Future Generali Future Student Suraksha Plan

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:

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