Future Generali India Insurance

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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:

Add-Ons

Features

Zero Depreciation You can receive a full claim with paying for the depreciation 
NCB ProtectionAt the time of renewal, you can retain your No Claim Bonus, even if you have made a claim
Loss of Personal BelongingsWith this add-on, you can cover  the loss of your belongings such as laptops, mobiles etc
Tyre Damage To cover the repair cost of tyre bulge, burst, puncture or cuts
Breakdown AssistanceJust call the company and get roadside assistance anywhere
Inconvenience AllowanceWhen your car is under repair after an accident, you would receive a daily allowance per day
Theft/Loss of KeysReimbursement of the cost to replace your car keys
Engine ProtectorRepair and replacement of internal parts of the engine will be covered, when required due to  ingression of water or leak of lubricating oil
Return to InvoiceIn case of theft or total loss, you will receive the complete amount of your car's invoice value

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.

Plan 

Benefits of the Plan

Health Total:  Mediclaim Insurance

Variants:

  • Vital
  • Superior
  • Premium
  • Sum Insured goes up to INR 1 crore
  • Restoration of the sum insured and cumulative bonus
  • Policy Term- 1 to 3 years
  • Entry age- Day 1 up to any age
  • Maternity Expenses
  • Mental Illness Cover
  • Emergency Medical Evacuation

Accident Suraksha:  Personal Accident Insurance

3 variants:

Class I

Class II

Class III

  • Worldwide cover for the whole family
  • 10% family discount
  • No pre-insurance medical screening
  • Get coverage against Accidental Death, Permanent Total Disablement/Partial Disablement, Temporary Total Disablement
  • Additional Coverages such as Child Education Support, Loan Protector, Family Transportation Allowance, Adaptation Allowance, etc
Future Vector Care:  Mosquito Insurance
  • Offers lump sum amount in case of diagnosis to any of the following conditions: Malaria, Dengue, Lymphatic Filariasis, Kala-azar, Zika Virus, Japanese Encephalitis and Chikungunya
  • Long term discount of up to 7.5% in case of upfront premium payment
  • No pre-insurance medical screening
  • Restoration of the sum insured
  • Sum insured options available per person per annum are: INR 10,000, INR 25,000, INR 50,000, INR 75,000 with a policy tenure of 1 year/3 year

Future Generali Hospicash: Hospital Cash

4 variants:

Plan A

Plan B

Plan C

Plan D 

  • Best way to complement the existing health insurance plan
  • Claim benefit
  • Floater benefit
  • Quick turnaround time for a claim
  • ICU Benefit available for a minimum of 10 days for each hospitalization to a maximum of 20 days during the policy period
  • Incidental Expenses in case of hospitalization
Future Criticare: Critical Illness
  • Offers lump sum amount in case of diagnosis
  • A waiting period of 90 days
  • Family floater benefit
  • Covers 12 illnesses
  • Tax benefits under Section 80D of the Income Tax Act

Surakshit Loan Bima: Surakshit Loan Bima

5 variants:

Plan A

Plan B

Plan C

Plan D

Plan E (with/without Loss of Job Cover option)

  • Covers 18 critical illnesses
  • Sum insured from INR 10,000 to INR 3 crore
  • No pre-insurance medical screening till the age of 50
  • Coverage against Accidental Death, Permanent Total Disablement, Loss of Job (optional cover)
Future Health Surplus: Top-Up
  • Extends the cover of your existing health insurance policy
  • Sum insured from INR 3 lakhs to INR 10 lakhs
  • Deductible per hospitalisation of INR 2 lakhs to INR 5 lakhs
  • Quick turnaround time for the claim
  • Available on Individual and Family Floater basis
Future Varishta Bima: Senior Citizen Insurance
  • Specially designed for senior citizens
  • Sum insured from INR 2 lakhs to INR 10 lakhs
  • Family discount
  • Long-term discount
  • Tax benefit under Section 80D of the Income Tax Act

Future  Health Suraksha: Future Health Suraksha

4 Variants:

  • Gold
  • Platinum
  • Topaz 
  • Ruby
  • Available as Individual and Family Floater option
  • No pre-insurance medical screening till the age of 50
  • Sum insured from INR 50,000 to INR 10 lakhs
  • Recharge benefit
  • Family & Loyalty discounts

Future Aarogya Bima: Affordable Plan

3 variants:

Plan A

Plan B

Plan C

  • Affordable plan to cover the whole family
  • Family & long-term discounts
  • Available as Individual and Family Floater option
  • Sum insured options of INR 2 lakhs to INR 5 lakhs
  • Cover from Day 1 to 70 Years

Future Advantage Top-Up: 

2 variants:

  • Supreme 
  • Elite
  • Extend your existing health cover at an affordable premium
  • Sum insured from INR 50,000 to INR 1 crore
  • Loyalty & long-term discounts
  • Waiver of Deductible
  • Floater Benefit
     
Corona Kavach
  • Standard health insurance plan to cover COVID-19 treatment
  • Covers AYUSH treatment
  • Sum insured from INR 50,000 to INR 5 lakhs
  • Every age 1 day to 65 years
  • Optional add-on of Hospital Cash
Corona Rakshak
  • Standard health insurance plan to cover COVID-19 treatment
  • Offers lump sum amount on the diagnosis of COVID-19
  • Sum Insured from INR 50,000 to INR 2.5 lakhs
  • Entry Age 18 years to 65 years
Arogya Sanjeevani, Future Generali
  • Standard health insurance plan
  • Premium fixed by IRDA
  • Available on Individual and Family Floater basis
  • Sum Insured INR 1 lakh to INR 5 lakhs
  • One policy covers the whole family

Future Generali Travel Insurance Plans

Stay secure, even when away from home. 

Plan 

Benefits of the Plan

Future Generali Schengen & Worldwide Travel Insurance Plan


 

  • Instant Policy issuance
  • Easy and quick claim settlement
  • Worldwide medical and travel assistance services offered
  • Travel inconvenience
  • 24x7assistancee
Future Generali Overseas Travel Insurance Plan
  • 24x7 Global protection
  • Special benefits to senior citizens
  • Customised plans
  • Floater benefits available
Future Generali Student Travel Insurance Plan
  • 2 year plan with comprehensive cover
  • No medical screening required if there is no adverse health declaration
  • Tuition fee allowance
  • Sponsor protection
Future Generali Shubh Yatra Plan
  • Covers domestic travel
  • Bounced hotel and flight
  • Emergency hotel extension

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:

Official Websitehttps://general.futuregenerali.in 
Email IDfgcare@futuregenerali.in 
Toll-Free Number

1860 500 3333 

1800 220 233

Phone Number022-67837800
Fax

022-41514555

022-40976785

Company Address 

Future Generali India Insurance Co Ltd.,

Unit 801 and 802, 8th floor, Tower C, Embassy 247 Park,

L.B.S. Marg, Vikhroli (W), Mumbai - 400 083

Future Generali General Insurance FAQs

  • 1. What types of insurance policies are offered online by Future Generali India Insurance Company?

    Future Generali India Insurance Company offers the following:

    • Motor Insurance
    • Health Insurance
    • Travel Insurance
    • Home Insurance
    • Lifestyle Insurance
    • Commercial Insurance
    • Social/Rural Insurance
  • 2. Will Future Generali settle all my motor claims directly?

    In case of own-damage repairs, you visit a network garage, you would be able to opt for a cashless claim settlement, however, if the repairs are done in a non-network workshop, reimbursement claims will be done within 7 days of submission of all documents.

  • 3. What was the latest ICR of Future Generali India Insurance Company Limited?

    In the financial year, 2018-19, Future Generali India Insurance Company Limited recorded an Incurred Claim Ratio of 69%.

  • 4. Is travel insurance mandatory?

    As of now, travel insurance is not compulsory in India. However, there are many countries where it is. It is recommended that a travel insurance plan must be bought if you are a regular traveller so that any emergency that arises can be taken care of.

  • 5. How do I notify the company for making a health insurance claim?

    To notify the company about the claim, you can either call the customer care number on 1860 500 3333, 1800 220 233.  You can also report a claim here: https://general.futuregenerali.in/health-claim-intimation