Future Generali Accident Suraksha (Personal Accident) Insurance Plan
Future Generali Accident Suraksha (Personal Accident) Insurance Plan - Accidents can happen when you least expect it, and a serious injury or accidental death could have devastating financial consequences for you and your family.
The value of human life and sufferings cannot be measured with money, but with a view to provide some relief to you or members of your family in the event of an unfortunate accident, Personal accident insurance can help protect your financial security until you get back on your feet and return to work.
Eligibility - Future Generali Accident Suraksha (Personal Accident) Insurance Plan
Entry Age
Adults
- 18 years to 70 years with a lifetime renewal option.
Children
- 5 years to 25 years can be covered as dependents.
Maximum Sum Assured
Maximum sum insured is based on the monthly income of the person:
| Cover | Maximum Multiplying Factor on Monthly income | ||
|---|---|---|---|
| *Class 1 | *Class 2 | *Class 3 | |
| Accidental Death | 144 | 120 | 96 |
| Permanent Total Disablement | 72 | 60 | 48 |
| Permanent Partial Disablement | 36 | 36 | 24 |
| Temporary Total Disablement | 24 | 24 | Not applicable |
Coverage - Future Generali Accident Suraksha (Personal Accident) Insurance Plan
Disability or Death Due to Accident:
- Permanent Total Disability, Permanent Partial Disability, Temporary Total Disability & Death arising due to Accident
Repatriation Benefit:
- An inbuilt cover for Repatriation Benefit and Funeral Expenses-An amount up to a maximum of 1 % of the Accidental Death Sum Insured would be reimbursed for the repatriation of the insured person’s remains subject to maximum of Rs. 12,500. No additional premium to be paid for this cover
Terrorism:
- Terrorism is covered.
Hospital Cash Allowance:
- You may apply for per day hospital cash (subject to limits as specified in the policy schedule), in the event of an accidental bodily injury and subsequent hospitalisation.
Loan Protector:
- In the event of accidental death or permanent total disablement, lump sum amount as specified in the policy schedule shall be paid
Adaptation Allowance:
- In case of a Permanent Total disablement arising out of an accident an amount upto 10% of the principal sum insured subject to maximum of Rs. 50,000 will be reimbursed to you towards the cost of modifying your house or vehicle
Family Transportation Allowance:
- When as a result of an accident resulting in either accidental death or permanent total disablement or permanent partial disablement, the insured person is confined in a hospital outside 100 kms of his residence, we will reimburse the actual transportation expenses incurred by the immediate family member on recommendation of a medical practitioner, to reach the insured person limited upto 10% of the Principal Sum Insured subject to maximum Rs. 50,000
Additional covers on paying an extra premium:
- The following are not included: Child Education Support, Life Support Benefit, Accidental Medical expenses, Accidental Hospitalisation.
| Health Insurance Companies in India |
|---|
| Bajaj Allianz Health Insurance India |
| Bharti AXA Health Insurance India |
| Cholamandalam Health Insurance India |
| Cigna TTK Health Insurance India |
| Future Generali Health Insurance India |
| HDFC ERGO Health Insurance India |
| IFFCO TOKIO Health Insurance India |
| L&T Health Insurance India |
| Liberty Videocon Health Insurance India |
| Max Bupa Health Insurance India |
| National Health Insurance India |
| New India Health Insurance India |
| Oriental Health Insurance India |
| Raheja QBE Health Insurance India |
| Reliance Health Insurance India |
| Religare Health Insurance India |
| Royal Sundaram Health Insurance India |
| SBI Health Insurance India |
| Star Health Insurance India |
| United India Health Insurance India |
| Universal Sompo Health Insurance India |