Future Generali India Insurance

Incorporated in September 2007, Future Generali India Insurance Company is a collaborated venture between Future Group and Generali. The Generali Group is an independent Italian group that has a strong international presence. With over 71,000 employees in over 60 countries, the company showcases itself as a remarkable insurance company. Future Generali has made its place in the Indian Insurance market and is gradually becoming a prominent contender. The company offers the following:

1. Future Generali Car Insurance
2. Future Generali Two-wheeler Insurance
3. Future Generali Health Insurance
4. Future Generali Travel Insurance
5. Future Generali Home Insurance
6. Future Generali Lifestyle Insurance
7. Future Generali Commercial Insurance
8. Future Generali Social/Rural Insurance

Future Generali Car Insurance Plan

Even if you are a careful and cautious driver, the safety of your vehicle isn’t solely dependent on you. There are many other unpredictable factors that can cause damage to your vehicle, and that is why having the right insurance policy is extremely important.  Let us take a look at the main aspects of car insurance:

• Car Damage
  In case your car suffers any damages, irrespective of whose fault it is, the repairs will be covered.
• Personal Accident Cover
  Compulsory cover of INR 15 lakh is provided for individual owner-drivers of the car while driving. There is also an option to opt for a Personal Accident Cover for co-passengers up to INR 2 lakhs.
• Third-Party Liability
  Any legal liability that you may have to incur due to the death or injury to a third-party or damage to third-party property because of your car will be covered under this policy. This insurance is mandated by the government.
• Additional Legal Liabilities
Certain other liabilities are also covered:
  1. Non-fare paying passengers
  2. Paid driver/conductor/cleaner
  3. Employees travelling in the car

Add-ons are available when you opt for a comprehensive or own-damage policy:

Future Generali Bike Insurance Plans

Let us take a look at the main aspects of bike insurance:

• Bike Damage
  Irrespective of whose fault it is, the repairs that your bike/two-wheeler suffers will be covered.
• Personal Accident Cover
  Under personal accident cover, there is a compulsory cover of INR 15 lakhs for individual owner/rider of the bike. This cover can also be extended for the named/ unnamed pillion rider, up to INR 2 lakhs.
• Third-Party Liability
  You will face legal liability when because of your bike there was an accident that caused the death or injury to a third-party or damage to third-party property. Under this policy, you will be covered for these liabilities. This insurance is mandated by the government under Motor Vehicles Act, 1988.
• Additional Legal Liabilities
  There is an option to cover certain other liabilities such as:
  1. Non-fare paying passengers
  2. Paid driver/conductor/cleaner
  3. Employees riding or travelling on the bike
• Add-Ons 
  To enhance the coverage for your two-wheeler, add-ons are available:
  1. Zero Depreciation
  2. Theft or Loss of Keys
  3. Loss of Personal Belongings
  4. Tyre Damage
  5. NCB Protection
  6. Engine Protect
  7. Return to Invoice
  8. Inconvenience Allowance

Future Generali Health Insurance

A hospitalisation or a medical emergency can take away a big chunk from your savings. A health insurance policy covers you for accidents and illnesses and helps you deal with these unpredictable situations confidently. Let us take a look at the health insurance plans by Future Generali Health Insurance.

Future Generali Travel Insurance Plans

Stay secure, even when away from home. 

Future Generali Premium Payment Process

For paying the premium, you can choose any of the following methods:

1. Online Payment Process: Visit the official website of Future Generali or click https://general.futuregenerali.in. Select your insurance policy plan and make the payment through an electronic medium.
2. Offline payment process: You can also pay the premium by visiting the company branch office. Remember, to carry all policy-related documents, and note that the premiums will be accepted through cheque/ Demand Draft/ an electronic medium.

Future Generali Claim Procedure

1. Motor Insurance Plans

Intimate the company. Call on 1800 220 233 or SMS ‘MOTORCLAIM’ to 9222211100. You can report a claim here: https://general.futuregenerali.in/car-insurance/motor-claims/claim-intimation-motor. 

Then there are 2 ways to get the repair and claim done

• Cashless Claims
  A company surveyor will inspect your vehicle. You would have to produce related documents, after which the approved claim amount will be communicated to the network garage. The payment will be made directly to the workshop.
• Reimbursement
  A company surveyor will inspect your vehicle. You would have to produce related documents. At a non-network garage, you would have to make the bill-payment yourself. Once the repair is done, submit bills and receipts to the surveyor/ branch. Your claim would be settled within 7 working days.

2. Health Insurance Plans: Notify the company about the claim as quickly as possible.  You can report a claim here: 

https://general.futuregenerali.in/health-claim-intimation 

• Cashless Claims
  When you are to get hospitalised at a network hospital, you need to present your health card at the help desk. You then have to fill in the cashless request form.
• Reimbursement
  After informing the company about your hospitalisation at a non-network hospital, you can ask for a reimbursement by submitting all bills and reports of the treatment with the company along with the claim form.

Future Generali Renewal Procedure

When you renew your insurance policy on time, you continue to be safeguarded against the big burden of unforeseen accidents and medical emergencies. 

• Motor Insurance Plans

Visit the company website, or click: https://general.futuregenerali.in/buyonline/Home.html#/MotorRenewExisting?utm_source=Website&utm_medium=Home.  Enter your policy details and date of birth. If you wish to make some changes in your plan, you can do it now. Now enter the nominee and contact details. You will see the amount to be paid, which you can pay through any of the electronic medium options provided.

• Health insurance Plans

To renew your policy, you can visit the website and go to “Renew”. If you want, you can modify your insurance policy in a way that you wish. Check your entries and make the payment. 

Future Generali Renewal Procedure for Expired Policy

• Motor Insurance Plans

In case you could not renew your policy on time, you can do it now. Speak to the customer care or notify them via email and request for a company surveyor who would assess your two-wheeler/car. Once the inspection is done, you can renew the policy through the details given by the surveyor. 

• Health insurance Plans

To renew your policy, you can visit the website and go to “Renew”. Depending on your age, plan chosen and the delay period, you may or may not have to undergo a medical screening. 

Future Generali India Insurance Company Limited-Company Profile 

Future Generali India Insurance Company Limited is a non-life private insurer. The company is a joint venture between Future Group that operates many retails chains such as Big Bazaar, Home Town etc and the Generali Group that was established in Italy in 1831, and has been a prominent figure in worldwide insurance and finance markets. With an Incurred Claim Ratio of 69% in the Financial Year 2018-19, the company continues to work towards simplifying insurance products and offering insurance solutions to its customers.

Future Generali Customer Care Details: