Future Generali is a general insurance Company that is a joint venture between a leading Indian business conglomerate, the Future Group of industries and the Generali group, which is a leading Italian based company, which is a prime leader in financial protection and wealth management. The Generali group is the largest insurance company in Italy and is also among the most reputed and largest insurance providers in Europe. The company started its operations September 2007. The company offers a range of insurance products for its customers across all segments that includes all major insurance that a person may need. When it comes to Travel Insurance, the company offers its customers a host of plans whether it is for individuals, or the entire family or even students. Why Travel Insurance? Travelling is something an individual undertakes to take a break from the daily monotonous lifestyle or for any pressing business need. In both the scenarios, getting the trip hampered due to some unforeseen and uncontrollable circumstance puts a sour taste in the mouth. Not only the travel itinerary is completely ruined but it also involves a considerable loss of finances, something, which an average man cannot bear on his budget planning. As such, insuring oneself through travel insurance seems the best and prudent course of action. Travel Insurance plans offered by Future Generali The company offers a host of travel insurance plans to individuals, their families and students. These are offered under the term Future Suraksha. Let us take a look at the different travel insurance plans as offered by Future Generali. Future Suraksha – Travel plans for worldwide travel The Future Generali Travel insurance plans protect the insured person against various risks, such as illnesses, theft and any other such occurrences when the person is travelling alone. This plan has four policy variants, which are, Platinum, Gold, Silver and Standard. A closer look at the Future Generali Future Suraksha Travel Insurance Plans (worldwide) reveals the following benefits: Cashless claims settlement The turnaround time for claim settlement is less than fourteen working days. This plan provides worldwide emergency, medical and travel assistance services. This plan provides an escort for a child who is travelling. The policy is issued almost immediately with the least amount of hassles. Medical treatment, assistance and evacuation is provided that provides coverage against any emergency medical treatment that requires inpatient care. It includes the medical evacuation to the hospital. Medical expenses for pain relieving dental treatment or dental treatment that is required due to an accident will be covered. The plan covers repatriation of mortal remains where the cost of transporting the mortal remains to the place of residence or a cremation or burial in the foreign country, will be covered. A daily cash benefit is received in case of a continuous and completed 24 hours of hospitalization. The plan covers against death or the permanent total disablement in case of an accident. Coverage against the loss of checked-in baggage by a carrier, on which the insured person is travelling as a passenger, is provided. The plan will offer a compensation in case of any delay in the delivery of checked-in baggage in baggage by a carrier, on which the insured person is travelling as a passenger. The plan will pay a lump sum amount to the insured person in case of a financial emergency, such as theft, pilferage or robbery. The lump sum will be paid to replace the funds lost. The plan offers a Personal Legal Liability benefit, wherein it will cover against any legal liability (including defense costs) to pay damages for his negligence which results from a third party civil claim for third party death, bodily injury or property damage. The plan will cover for any delay beyond the scheduled departure or arrival time of a carrier. A lump sum amount will be paid to the insured person. The plan will cover against the unfortunate event of a hijacking. There is a trip cancellation or curtailment benefit wherein the plan will compensate the insured person against any unforeseen delays, cancellations that may occur due to death, hospitalization or an act of God. The plan compensates the passenger against any missed connecting flight due to the delay of an inward flight. Future Generali will organize hospital admission if required. In case of emergency, Future Generali will communicate message to the insured persons family. Medical advice will be provided over telephone Future Generali will help set up appointments with local doctors. Future Generali will organize a compassionate visit from the family of the insured person. Future Generali will dispatch medicine that is not locally available for the insured person. The company provides travel assistance services where, pre-trip information is provided, embassy referral will be provided, lost luggage and passport assistance will be provided and it will organize the hotel accommodation. Eligibility Individuals between the ages of 6 months to 70 years are covered under the Standard, Silver, Gold and Platinum plans. Senior citizens from the age of 71 to 80 year are covered under the Super Care Plans. This plan has worldwide coverage. Future Suraksha – Travel plans for travel in Asia The Future Generali Travel insurance plans protect the insured person against various risks, such as illnesses, theft and any other such occurrences when the person is travelling alone. This plan has two policy variants, which are individual and family floater. A closer look at the Future Generali Future Suraksha Travel Insurance Plans (Asia) reveals the following benefits: Cashless claims settlement The turnaround time for claim settlement is less than fourteen working days. This plan provides worldwide emergency, medical and travel assistance services. The policy is issued almost immediately with the least amount of hassles. Medical treatment, assistance and evacuation are provided that provides coverage against any emergency medical treatment that requires inpatient care. It includes the medical evacuation to the hospital. The plan covers repatriation of mortal remains where the cost of transporting the mortal remains to the place of residence or a cremation or burial in the foreign country, will be covered. A daily cash benefit is received in case of a continuous and completed 24 hours of hospitalization. The plan will cover against the unfortunate event of a hijacking. Future Generali will arrange for the compassionate visit of family members when required. The plan covers against death or the permanent total disablement in case of an accident. Coverage against the loss of checked-in baggage by a carrier, on which the insured person is travelling as a passenger, is provided. The plan will offer a compensation in case of any delay in the delivery of checked-in baggage in baggage by a carrier, on which the insured person is travelling as a passenger. The plan offers a Personal Legal Liability benefit, wherein it will cover against any legal liability (including defense costs) to pay damages for his negligence which results from a third party civil claim for third party death, bodily injury or property damage. The plan will cover for any delay beyond the scheduled departure or arrival time of a carrier. A lump sum amount will be paid to the insured person. There is a trip cancellation or curtailment benefit wherein the plan will compensate the insured person against any unforeseen delays, cancellations that may occur due to death, hospitalization or an act of God. The plan compensates the passenger against any missed connecting flight due to the delay of an inward flight. The company provides travel assistance services where, embassy referral will be provided, lost luggage and passport assistance will be provided. Eligibility Individuals between the ages of 6 months to 70 years are covered under individual plans. The family floater plan variant has the maximum age at entry at 65 years and it is 6 months to 25 years for dependent children. The family floater plan covers the insured person (self), the spouse and two dependent children. This plan has coverage in all of Asia except Japan and Korea. Future Suraksha – Travel plans for travel in Europe The Future Generali Travel insurance plans protect the insured person against various risks, such as illnesses, theft and any other such occurrences when the person is travelling alone. This plan has three policy variants, which are Standard, Silver and Gold. The plan is available on individual and family floater basis. The sum insured in the floater plan would be a single sum insured for the entire family. A closer look at the Future Generali Future Suraksha Travel Insurance Plans (Europe) reveals the following benefits: Cashless claims settlement Future Generali provides a global service and hospital network for the convenience of its customers. The turnaround time for claim settlement is less than fourteen working days. This plan provides worldwide emergency, medical and travel assistance services. Future Generali provides a Universal International Free phone Number (UIFN) The policy is issued almost immediately with the least amount of hassles. Medical treatment, assistance and evacuation are provided that provides coverage against any emergency medical treatment that requires inpatient care. It includes the medical evacuation to the hospital. Medical expenses for pain relieving dental treatment or dental treatment that is required due to an accident will be covered. The plan covers repatriation of mortal remains where the cost of transporting the mortal remains to the place of residence or a cremation or burial in the foreign country, will be covered. A daily cash benefit is received in case of a continuous and completed 24 hours of hospitalization. The plan covers against death or the permanent total disablement in case of an accident. Coverage against the loss of checked-in baggage by a carrier, on which the insured person is travelling as a passenger, is provided. The plan will offer a compensation in case of any delay in the delivery of checked-in baggage in baggage by a carrier, on which the insured person is travelling as a passenger. The plan offers a Personal Legal Liability benefit, wherein it will cover against any legal liability (including defense costs) to pay damages for his negligence which results from a third party civil claim for third party death, bodily injury or property damage. The plan will cover for any delay beyond the scheduled departure or arrival time of a carrier. A lump sum amount will be paid to the insured person. There is a trip cancellation or curtailment benefit wherein the plan will compensate the insured person against any unforeseen delays, cancellations that may occur due to death, hospitalization or an act of God. The plan compensates the passenger against any missed connecting flight due to the delay of an inward flight. The company provides travel assistance services where, pre-trip information, embassy referral will be provided, lost luggage and passport assistance, and arrangement of a hotel accommodation will be provided. Medical advice will be provided over telephone Future Generali will help set up appointments with local doctors. Future Generali will organize a compassionate visit from the family of the insured person. Future Generali will dispatch medicine that is not locally available for the insured person. Future Generali will make return arrangement for a minor. Eligibility Individuals between the ages of 6 months to 70 years are covered under individual and family floater plans. The family floater plan covers the insured person (self), the spouse and two dependent children. This plan has coverage for those who are visiting Europe on a Schengen Visa. The following countries are covered – Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia Slovenia, Spain, Sweden And Switzerland. Future Student Suraksha – Travel plans for students The Future Generali Travel insurance plans protect the insured person against various risks, such as illnesses, theft and any other such occurrences when the person is travelling alone. This plan has three policy variants, which are Standard, Silver and Gold. The plan is available on individual and family floater basis. The sum insured in the floater plan would be a single sum insured for the entire family. A closer look at the Future Generali Future Student Suraksha Travel Insurance Plans reveals the following benefits: Future Generali provides 24*7 toll-free assistance. Future Generali provides a global service and hospital network for the convenience of its customers. The turnaround time for claim settlement is less than fourteen working days. This plan provides worldwide emergency, medical and travel assistance services. The policy is issued almost immediately with the least amount of hassles. Medical treatment, assistance and evacuation are provided that provides coverage against any emergency medical treatment that requires inpatient care. It includes the medical evacuation to the hospital. Medical expenses for pain relieving dental treatment or dental treatment that is required due to an accident will be covered. The plan covers repatriation of mortal remains where the cost of transporting the mortal remains to the place of residence or a cremation or burial in the foreign country, will be covered. The plan provides a maternity benefit. Mental and Nervous Disorders are covered under this plan. The plan covers against death or the permanent total disablement in case of an accident. Coverage against the loss of checked-in baggage by a carrier, on which the insured person is travelling as a passenger, is provided. The plan will offer a compensation in case of any delay in the delivery of checked-in baggage in baggage by a carrier, on which the insured person is travelling as a passenger. The plan offers a Personal Legal Liability benefit, wherein it will cover against any legal liability (including defense costs) to pay damages for his negligence which results from a third party civil claim for third party death, bodily injury or property damage. The plan also provides the reimbursement of un-used tuition fees if the insured person is unable to attend the rest of the semester as he or she was hospitalized for more than one month for a covered injury/sickness or in case of medical repatriation or in the case of the accidental death of a family member. The company provides travel assistance services where lost luggage and passport assistance will be provided. If the sponsor of the insured person suffers from an accidental death or permanent disablement, Future Generali will reimburse the tuition fee for the remaining period of the education up to the specified limit. Future Generali will also provide Special Allowances such as Felonious Assault and Bail Bond. Eligibility Individuals between the ages of 18 months to 35 years are covered. This plan has worldwide coverage. Exclusions under the Travel Insurance Plans from Future Generali There are certain factors that are excluded from the scope of coverage of travel insurance. The exclusions are as follows: A pre-existing medical condition present prior to availing the plan and any complication arising out of such condition for which care, treatment or advice was sought from a medical practitioner. Routine physical or other examination where there is no indication of impairment of common health Medical expenses occurring beyond the policy period Suicide, attempted suicide or willfully self-inflicted injury or illness, mental disorder, anxiety/stress/depression/nervousness, venereal disease, alcoholism, drunkenness or drug abuse Manual work or hazardous occupation, self-exposure to needless peril (except in an attempt to save human life), engaging in any criminal or illegal act. Loss or damage to the insured’s passport due to confiscation or detention by customs, police or any other authority. Loss which is not reported to the appropriate police authority within 24 hours of the discovery of the loss, and for which an official report has not been obtained. Loss due to the insured’s failure to take steps to guard against the loss of passport. War or any act of war, invasion, act of foreign enemy, war like operations, civil war, public defense, rebellion revolution, insurrection, military or usurped acts, riot, terrorism, chemical, radioactive or nuclear contamination. Participation or involvement in naval, military or air force operations, racing, diving, aviation, scuba diving, parachuting, hang-gliding, rock or mountain climbing. Any breach of law with criminal intent. Applying for Travel Insurance Plans from Future Generali Travel insurance plans offered by the company can be applied to through multiple channels like: Individuals who are interested in purchasing travel insurance plans from Future Generali can log on to the company websiteand get a recommendation about which health insurance plans are suitable to them. Individuals desirous of availing any of the personal accident insurance plans can simply call the Sales helpline of the company and speak to the customer service representative. Customers may send a message to 9222211100 using the keyword `PRODUCT. They can chat online with a customer service representative regarding the health insurance plans from Monday to Friday from 9 AM to 6 PM. They can also request a call back from company by leaving their name, mobile number and email ID on the company website. Lastly, customers may also visit the companys branches or get in touch with an agent to buy the plans required.
