Prices Increasing soon Prices Increasing Soon

Future Generali Jan Suraksha Plan

Future Generali Jan Suraksha Plan is a non-participating, non-linked (without profit) savings life insurance plan that provides insurance coverage to the family of the insured in case of any eventuality.  Under this plan, one needs to pay the premium one time and can avail the life insurance cover with assured maturity amount.

Read more
Gets ₹1 Cr. Life Cover at just
COVID-19 Covered
The Policybazaar Advantage
Dedicated claim support for family FREE
Upto 10% discount for buying online
Only certified experts will call you on 100% recorded lines
We are rated~
6.7 Crore
Registered Consumers
Insurance Partners
3.4 Crore
Policies Sold

#All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply

By clicking on "View plans" you agree to our Privacy Policy and Terms of use

~Source - Google Review Rating available on:-

Life is Unpredictable! Protect your family’s future
Get ₹1 Crore Life cover starting from ₹384/month+
We don’t spam
Check Your Premium Now
Please wait. We Are Processing..
Get Updates on WhatsApp
The Policybazaar Advantage
Policybazaar Advantage Icon
Dedicated claim support for family FREE
Policybazaar team will help and support you at the time of claim. A personal claim handler from our team of experts will get in touch with you when your nominee applies for a claim on our website.
Policybazaar Advantage Icon
100% calls recorded to ensure no mis-selling
We will make sure you get what is promised by the advisors. We conduct regular monitoring of our calls to make sure you get the best experience.
Policybazaar Advantage Icon
Exclusive lifetime discount upto 5% for buying online
The discounts will be valid for the entire policy payment term and is not available if you choose to buy the insurance through offline agents.
Policybazaar Advantage Icon
Advisors available in your city
Our advisors are available in more than 55 cities across India and can help you at your doorstep in understanding the plans and in documentation.
Policybazaar Advantage Icon
Refund at the click of a button
In case you aren’t happy with your purchase, you can cancel your policy hassle-free at the click of a button. We will help you with the cancellation and refund of your policy.

Further, in this article we have discussed in details all you need to know about Future Generali Jan Suraksha Plan.

Eligibility Criteria of Future Generali Jan Suraksha Plan 

The below table explains the eligibility conditions and details of the Future Generali Jan Suraksha Plan. 



Policy Term

8 years 

Premium Payment Term


Tax Benefit


Entry Age 

18 to 50 years

Loan Facility


Benefits offered by Future Generali Jan Suraksha Plan 

  1. Death Benefit 

    • 5 times the single premium (excluding applicable taxes and extra premium, if any)
    • Maturity benefit at the end of the policy tenure.

    Age Band


    Rs. 500 (Exclusive of Taxes)


    Rs. 750 (Exclusive of Taxes)


    Rs. 14,000/-

    Rs. 21,000/-


    Rs. 12,000/-

    Rs. 18,000/-


    Rs. 10,000/-

    Rs. 15,000/-


    Rs. 7,500/-

    Rs. 11,500/-


    Rs. 5,000/-

    Rs. 7,500/-


    Not Applicable

    Rs. 5,000/-

    • Surrender benefit- On surrender, the higher of special surrender value and the guaranteed surrender value will be paid. 

    The surrender benefit under the Future Generali Jan Suraksha Plan is payable as follows: 

    Policy Year of Surrender


    Rs. 500 (Exclusive of Taxes)


    Rs. 750 (Exclusive of Taxes)


    Rs. 300/-

    Rs. 450/-


    Rs. 275/-

    Rs. 412.50/-


    Rs. 250/-

    Rs. 375/-


    Rs. 200/-

    Rs. 300/-


    Rs. 175/-

    Rs. 262.50/-


    Rs. 150/-

    Rs. 225/-


    Rs. 100/-

    Rs. 150/-


    Rs. 0/-

    Rs. 0/-

    Note - The policy terminates when surrendered, and no further benefits are payable under the policy. Surrender value shall not be payable if the amount of surrendervalue is less than Rs 100.

  2. Tax Benefit

    The Premium(s) paid under this plan shall be eligible for tax benefit as they may be available under the provisions and sub-provisions of Section(s) 80C and 10(10D). For further details, kindly consult your tax advisor. The various tax benefits are subject to change from time to time. 

    “Tax benefit is subject to changes in tax laws. Standard T&C apply.”

  3. Premium Illustration

    The premium range for the policy is as follows: 

    Premium Options

    Entry Age: 18 to 45 years 

    Rs. 500/- or Rs. 750/-

    Entry Age: 46 to 50 years

    Rs. 750/-

Documents Required to Buy Future Generali Jan Suraksha Plan 

These documents that are required to buy the Future Generali Jan Suraksha Plan are as follows:

  • Identity Proof – PAN Card or Voter’s ID or Aadhaar Card or Passport or Driving license 
  • Income Proof – Latest 3 years Income Tax Return or Latest Form 16/Salary slip
  • Address Proof – Passport or Driving License or Voter’s ID or Aadhaar Card or Bank Statement or Ration card or Telephone bill
  • Age proof – Secondary School Leaving Certificate or Marksheet or Birth certificate or Passport
  • Passport size photographs
  • Medical reports, if necessary

Process to Buy FutureGenerali Jan Suraksha Plan

There are no hoops to jump through, and the application process is incredibly simple. In order to apply for the policy, the potential policyholder can complete an online application with ease. In this section, we have listed out all of the necessary steps:

  • Future Generali's email address is
  • Please submit the proposal form, which will include all the requested information sent via mail, as well as your Advisor.
  • It is important to read the terms and conditions of your insurance policy to make sure you gain the maximum benefits.
  • Next, the patient undergoes a medical examination.
  • Before insurance coverage is finalized, be sure to let the insurance company know of any changes in your health that may occur during the application process.

Alternatively, you can visit a Future Generali branch close to you or call their toll-free number, which is 1800-102-2355.


The Future Generali's future project Jan Suraksha Plan excludes benefits to the beneficiary in the event that the policyholder dies by committing suicide. The limitations imposed on the exclusion include the following:

  • A suicide must occur within the 12-month period that starts from the date that the individual begins assured risk under the policy plan.
  • In order to claim just 80% of the total premiums paid, or the surrender value available as of the death date, whichever is higher, the beneficiary or nominee of the policyholder will only be eligible to receive premiums paid or surrender value after the death of the policyholder.


  • Q1. What are the risks covered with this policy? 

    A1. The Future Generali Jan Suraksha Plan is a pure risk coverage premium life insurance plan. It provides complete risk coverage of the death of the person who is insured. The company does not share the profits/bonus on the policy with the policyholder. 
  • Q2. Does the plan provide a Maturity Benefit? 

    A2. It does not offer any long-term maturity insurance payout to the policyholder.
  • Q3. What shall be refunded by the insurance company if the policyholder withdraws the policy during the free-look period? 

    A3. Future Generali India Life Insurance shall refund the full policy premium after deducting the proportionate premium for the period of risk cover, any additional stamp duties, and, if applicable, the additional cost of medical examination.
  • Q4. Does the policy allow for nomination and assignment? 

    A4. To be sure, the policy includes the possibility of both nomination and assignment. To become a party to the policy, the policyholder may do so by availing himself of Section 39 of the Insurance Act, 1938, as amended from time to time. Assigned under Section 38 of the Insurance Act, 1938 as amended from time to time is permitted under this policy.
  • Q5. Can I appoint a minor as a nominee? 

    A5. It is necessary for the application of the policy to be completed by the Appointee, if applicable. The claim proceeds even if the policyholder did not nominate the Appointee. If that Appointee is not mentioned or named in the policy, then the claim shall proceed and shall be payable to the Legal Guardian of the minor or the Legal Heirs of the Life Assured, as the case may be. The funds may be made available to persons who can establish their right to inherit the funds if they can provide appropriate proof of guardianship or legal heirship.
  • Q6. What are the documents required to buy the policy?

    A6. In the unfortunate event of the sudden demise of the policyholder from any cause:
    Forms of Claim
    i) Part I: Death Claim Application Form (Claimant's Statement)
    ii) Section II : Physician's Declaration
    • Death certificates issued by local government entities such as the municipal corporation or village panchayat
    • Cause of death in its entirety as stated in the death certificate issued by the attending physician
    • True copy of the hospital's indoor case files attested (s)
    • Report of autopsy and chemical viscera analysis – is performed
    • Voucher for advance discharge from the Group Administrator
    • KYC of the claimant, as well as a cancelled cheque in the claimant's name or the claimant's passbook, if the payment is to be made in the claimant's name. Additionally, a Declaration from the master policyholder on the master policy holder's letterhead is required.
    • If the decedent demised as a result of an accident, the following documents are required in addition to the ones listed above:
    • All police reports/initial information, as well as the conclusion of the investigation Punchnama/inquest panchnama, etc.
    • If available, newspaper clippings/photographs of the accident. 

Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C apply.

Premium By Age

Term insurance articles

  • Recent Article
  • Popular Articles
13 Jun 2024


Kotak T.U.L.I.P (Term with Unit Linked Insurance Plan) is a

Read more
05 Jun 2024

Why Should You Consider Inflation When Buying a...

The retail inflation of India rose to 5.69% in December 2023

Read more
29 May 2024

Term Insurance for Individuals with 25K Salary

Securing your family's future is essential, especially when

Read more
28 May 2024

'Har Family Hogi Insured' Policybazaar's Vision...

Empowering Every Household: policybazaar's Commitment to

Read more
23 May 2024

Term Insurance for Individuals with a 35K Salary

Securing your financial future is essential, especially when

Read more
28 May 2024

'Har Family Hogi Insured' Policybazaar's Vision...

Empowering Every Household: policybazaar's Commitment to Nationwide Coverage In a visionary move towards a

Read more
20 Aug 2014

Term Insurance for Women in India

Term insurance for women is a type of life insurance specifically designed for fulfilling women’s needs and

Read more
03 Dec 2020

What Is Saral Jeevan Bima

Saral Jeevan Bima (SJB) is a simple term insurance plan that offers financial protection for policyholder’s

Read more
13 Apr 2021

2 Crore Term Insurance Plan

2 Crore term insurance provides cover amount of 2 Crore as death benefit to your family in the event of your

Read more
07 Mar 2023

TATA AIA Smart Sampoorna Raksha Param Rakshak Plus

TATA AIA Smart Sampoorna Raksha Param Rakshak Plus is a comprehensive life insurance policy for individuals

Read more
Need Help? Request Callback
View Plans
Download the Policybazaar app
to manage all your insurance needs.