general insurance companies in India, general insurance, insurance companies in India, general insurance products, general insurance plans, general insurance company
Accident Suraksha - A Policy That Takes Care of Your Personal Accident ExpensesColinGenerali
Accidents can happen to anyone, anywhere. They come unasked for and leave an “imprint” on lives for years to come. The value of human life and sufferings cannot be measured with money, but with a view to provide some relief to the injured person or members of his family in the event of an unfortunate accident, an insurance cover, known
as “Accident Suraksha” was designed.
Future Advantage Top-Up - Give Your Health Insurance A Backup Plan From Futur...ColinGenerali
Future Advantage Top-Up is a deductible health insurance plan with high Sum Insured options to provide extra coverage at low premium as compared to any traditional health insurance plan.
Accident Suraksha - A Policy That Takes Care of Your Personal Accident ExpensesColinGenerali
Accidents can happen to anyone, anywhere. They come unasked for and leave an “imprint” on lives for years to come. The value of human life and sufferings cannot be measured with money, but with a view to provide some relief to the injured person or members of his family in the event of an unfortunate accident, an insurance cover, known
as “Accident Suraksha” was designed.
Future Advantage Top-Up - Give Your Health Insurance A Backup Plan From Futur...ColinGenerali
Future Advantage Top-Up is a deductible health insurance plan with high Sum Insured options to provide extra coverage at low premium as compared to any traditional health insurance plan.
An accident can occur at any time without any warning, and sometimes it can cause serious harm.
Any such untoward incident can have a significant impact on your finances; not only can the treatment be expensive, but if you suffer from any form of disability, it can affect your earning potential. You must think about how to manage, in case of an accident that may lead to disability.
Personal accident insurance provides a cover for permanent partial disability, temporary total disability and permanent total disability. If you suffer a grave injury, apart from expenses, there could be a loss of income at least for some time. The insurance will not only pay for expenses incurred in the treatment of injuries sustained but also provide a monthly or a gross payment till the time you aren’t working, which regular Life Insurance will not provide.
Even in the event of death, the future of your loved ones will be protected with a Personal Accident insurance.
With unpleasant surprises like accidents happening now and then, having insured for the accident is not an option. Even after an accident, one can enjoy financial stability and peace of mind if she/he had taken the Personal Accident insurance.
Prospectus lifestyle protection group policySalim Khan
We are pleased to announce the launch of Lifestyle Protection Group Policy. This is a differential offering with Group Critical Illness and Group Personal Accident covers which can be opted on a bespoke basis. The Group Critical Illness (GCI) is a unique offering and one-of-a-kind in the market Employee Benefit space in India. We believe this offers an opportunity to corporate clients to enhance benefits without a significant expense and effectively obtain coverage for health maintenance of critically ill members. One of the differentiating benefits of the CI product is worldwide coverage for members (Indian nationality) and an ability to utilize the Cigna Global Network of service providers (IPD) for treatment; in lieu of lump sum benefit payout.
Kanoe India Healthcare, A division Of Kanoe Softwares proposes a special Medical insurance plan sponsored by Universal Sompo General insurance Co. Limited in joint venture with Allahabad Bank Limited, Indian Overseas Bank, Karnataka Bank Limited, Dabur Investments Corp and Sompo Japan Insurance Incorporation in Public Private Partnership (PPP), aiming to provide assurance of Government/Public sector and superb, hassle free service from private bodies.
Pet Dog Health Insurance - Comprehensive Coverage for Your Furry FriendColinGenerali
Ensure your pet dog's well-being with our comprehensive health insurance. Get coverage for medical expenses, vet visits, and more. Keep your furry friend happy and healthy
FG Health Absolute - Comprehensive Health Insurance Plan - Future GeneraliColinGenerali
hospitalization and also offers a wide range of benefits like annual health check-ups, consultations regarding mental health, guiding you towards a healthier lifestyle and also rewarding you for it.
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Similar to Sports Insurance: Sports Insurance Policy Online | Future Generali
An accident can occur at any time without any warning, and sometimes it can cause serious harm.
Any such untoward incident can have a significant impact on your finances; not only can the treatment be expensive, but if you suffer from any form of disability, it can affect your earning potential. You must think about how to manage, in case of an accident that may lead to disability.
Personal accident insurance provides a cover for permanent partial disability, temporary total disability and permanent total disability. If you suffer a grave injury, apart from expenses, there could be a loss of income at least for some time. The insurance will not only pay for expenses incurred in the treatment of injuries sustained but also provide a monthly or a gross payment till the time you aren’t working, which regular Life Insurance will not provide.
Even in the event of death, the future of your loved ones will be protected with a Personal Accident insurance.
With unpleasant surprises like accidents happening now and then, having insured for the accident is not an option. Even after an accident, one can enjoy financial stability and peace of mind if she/he had taken the Personal Accident insurance.
Prospectus lifestyle protection group policySalim Khan
We are pleased to announce the launch of Lifestyle Protection Group Policy. This is a differential offering with Group Critical Illness and Group Personal Accident covers which can be opted on a bespoke basis. The Group Critical Illness (GCI) is a unique offering and one-of-a-kind in the market Employee Benefit space in India. We believe this offers an opportunity to corporate clients to enhance benefits without a significant expense and effectively obtain coverage for health maintenance of critically ill members. One of the differentiating benefits of the CI product is worldwide coverage for members (Indian nationality) and an ability to utilize the Cigna Global Network of service providers (IPD) for treatment; in lieu of lump sum benefit payout.
Kanoe India Healthcare, A division Of Kanoe Softwares proposes a special Medical insurance plan sponsored by Universal Sompo General insurance Co. Limited in joint venture with Allahabad Bank Limited, Indian Overseas Bank, Karnataka Bank Limited, Dabur Investments Corp and Sompo Japan Insurance Incorporation in Public Private Partnership (PPP), aiming to provide assurance of Government/Public sector and superb, hassle free service from private bodies.
Pet Dog Health Insurance - Comprehensive Coverage for Your Furry FriendColinGenerali
Ensure your pet dog's well-being with our comprehensive health insurance. Get coverage for medical expenses, vet visits, and more. Keep your furry friend happy and healthy
FG Health Absolute - Comprehensive Health Insurance Plan - Future GeneraliColinGenerali
hospitalization and also offers a wide range of benefits like annual health check-ups, consultations regarding mental health, guiding you towards a healthier lifestyle and also rewarding you for it.
Buy Future Advantage Top-up Medical Insurance OnlineColinGenerali
Future Advantage Top-Up is a deductible health insurance plan with high Sum Insured options that provide extra coverage at a low premium compared to any traditional health insurance plan.
Visit Future Generali to know more.
Future Generali Dog Health Cover - Mischievous. Notorious. Playful - We Prote...ColinGenerali
With Future Generali Dog Health Cover, you can have peace of mind knowing that you can give your pet dog the medical attention they need, without worrying about the costs. So, let’s keep those tails wagging
and those barks coming, while we take care of the rest!
Top-up Health Insurance: Buy Future Advantage Top-up Medical Insurance Online ColinGenerali
Top-Up Health Insurance: Buy and Renew Top Up Mediclaim Policy with Future Generali and get Pre-Hospitalisation Medical Expenses and Room Rent covered. ✓ Floater Benefit ✓ Cumulative Bonus. Visit Now!
D.I.Y Health Insurance - Build Your Health Plan, Your Way - Future Generali -...ColinGenerali
Imagine a health insurance plan that only has the benefits and coverage that you prefer, and you only pay for the coverage you want. With D.I.Y Health, this is exactly what you get. Customize your health insurance just the way you want and secure your and your family's physical, mental, and financial well-being.
Future Advantage Top - Up - Give Your Health Insurance A Backup PlanColinGenerali
Future Advantage Top-Up is a deductible health insurance plan with high Sum Insured options to provide extra coverage at low premium as compared to any traditional health insurance plan. In this plan you have an option to choose the deductible which can be managed either by self-pay or any other insurance and also choose the optimum Sum Insured to take care of your health care.
Unlike many top up plans, you do not have to cross the deductible limit at every claims incidence. The deductible will apply on aggregate basis towards hospitalisation expenses incurred during the policy period
Cover for Sports - A Policy That Takes Care of Expenses Due to Injuries From ...ColinGenerali
An insurance policy that protects you from different types of sports injuries and covers the treatment due to injuries and physiotherapy under Accidental Medical Expenses cover. Provided you engage in these activities as an amateur and not for remuneration. It also covers emergency evacuation services, if required.
This Insurance Policy provides a comprehensive protection and is specifically designed to guard you and your family against the trauma you face for repayment of your loan in the event of unfortunate incidences.
Future Varishta Bima for Senior Citizen From Future GeneraliColinGenerali
A special policy designed to cover the medical costs of your parents will be of great help. The plan will cover all substantial financial needs related to health issues that arise in old age. Enjoy Every Moment of your Senior Citizenship with Future Generali.
Future Advantage Top-Up is a deductible health insurance plan with high Sum Insured options to provide extra coverage at low premium as compared to any traditional health insurance plan. In this plan you have an option to choose the deductible which can be managed either by self-pay or any other insurance and also choose the optimum Sum Insured to take care of your health care.
Future Health Suraksha From Future Generali ColinGenerali
Your health is your most important asset and with Future Health Suraksha, we ensure that you will never have to go too far to protect it. Our network of hospitals across the nation will handle any medical problem that arises. Itu2019s our way of protecting you even against the unpredictable.
Arogya Sanjeevani Policy From Future GeneraliColinGenerali
Arogya Sanjeevani Policy, Future Generali India insurance company limited is an affordable health insurance policy that covers the entire family. Secure your family with affordable health insurance policies.
Future Generali - WHAT IS HEALTH SUPER SAVER? ColinGenerali
Health Super Saver is a health insurance product with a unique benefit of 'Super Saver Discount'! Get 80% discount on your next premium for super saver a claim free year.
For more info visit us: https://general.futuregenerali.in/Health-Insurance/health-super-saver
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
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how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
Latino Buying Power - May 2024 Presentation for Latino CaucusDanay Escanaverino
Unlock the potential of Latino Buying Power with this in-depth SlideShare presentation. Explore how the Latino consumer market is transforming the American economy, driven by their significant buying power, entrepreneurial contributions, and growing influence across various sectors.
**Key Sections Covered:**
1. **Economic Impact:** Understand the profound economic impact of Latino consumers on the U.S. economy. Discover how their increasing purchasing power is fueling growth in key industries and contributing to national economic prosperity.
2. **Buying Power:** Dive into detailed analyses of Latino buying power, including its growth trends, key drivers, and projections for the future. Learn how this influential group’s spending habits are shaping market dynamics and creating opportunities for businesses.
3. **Entrepreneurial Contributions:** Explore the entrepreneurial spirit within the Latino community. Examine how Latino-owned businesses are thriving and contributing to job creation, innovation, and economic diversification.
4. **Workforce Statistics:** Gain insights into the role of Latino workers in the American labor market. Review statistics on employment rates, occupational distribution, and the economic contributions of Latino professionals across various industries.
5. **Media Consumption:** Understand the media consumption habits of Latino audiences. Discover their preferences for digital platforms, television, radio, and social media. Learn how these consumption patterns are influencing advertising strategies and media content.
6. **Education:** Examine the educational achievements and challenges within the Latino community. Review statistics on enrollment, graduation rates, and fields of study. Understand the implications of education on economic mobility and workforce readiness.
7. **Home Ownership:** Explore trends in Latino home ownership. Understand the factors driving home buying decisions, the challenges faced by Latino homeowners, and the impact of home ownership on community stability and economic growth.
This SlideShare provides valuable insights for marketers, business owners, policymakers, and anyone interested in the economic influence of the Latino community. By understanding the various facets of Latino buying power, you can effectively engage with this dynamic and growing market segment.
Equip yourself with the knowledge to leverage Latino buying power, tap into their entrepreneurial spirit, and connect with their unique cultural and consumer preferences. Drive your business success by embracing the economic potential of Latino consumers.
**Keywords:** Latino buying power, economic impact, entrepreneurial contributions, workforce statistics, media consumption, education, home ownership, Latino market, Hispanic buying power, Latino purchasing power.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
how can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
1. A great athlete is the
one with a plan.
A policy that takes care of
expenses due to injuries from sports
Cover for Sports as a benefit under Accident Suraksha Policy
Cover for Sports
general.futuregenerali.in
1800-220-233
Follow us on:
2. ADVENTURE
SPORTS BENEFIT
BROKEN
BONES
ACCIDENTAL
MEDICAL
EXPENSES
Cover for Sports
For every athlete discipline, hard work and dedication is important. But do you know what else is equally important?
Insurance Plan. Be it endurance sports, adventure sports or even participating in a sport as a hobby. You just keep on
playing without worrying.
Presenting Future Generali’s Cover for Sports
An insurance policy that protects you from different types of sports injuries and covers the treatment due to injuries
and physiotherapy under Accidental Medical Expenses cover. Provided you engage in these activities as an amateur and
not for remuneration. It also covers emergency evacuation services, if required.
The cover is valid across India. It also covers you internationally when you travel for an event or participate in the
specified event while on vacation.
3. ACCIDENT SURAKSHA
SALIENT FEATURES OF
POLICY DETAILS
A) Primary Covers
I. SCOPE OF COVER
i. Accidental Death
ii. Permanent Total Disablement
iiii. Permanent Partial Disablement
iv. Temporary Total Disablement
B) Inbuilt Cover
i. Repatriation and Funeral Benefit
C) Additional Covers
On payment of additional premium, following covers may be opted:
i. Child Education Support
ii. Life Support Benefit
iii. Accidental Medical Expenses
iv. Accidental Hospitalization
v. Hospital Cash Allowance
vi. Loan Protector
vii. Adaptation Allowance
viii. Family Transportation Allowance
ix. Broken Bones
x. Road Ambulance Cover
xi. Air Ambulance Cover
xii. Adventure Sports Benefit
xiii. Chauffeur Plan Benefit
4. II. TABLE OF EVENTS
Events
Percentage of
Sum Insured
Accidental Death 100%
Permanent Total Disablement: 150%
Permanent total loss of sight of both eyes 150%
Permanent total loss of sight of one eye and physical separation of or the loss of ability to use either one hand or foot 150%
Permanent total loss and physical separation of or the loss of ability to use both hands or both feet 150%
Permanent total loss and physical separation of or the loss of ability to use one hand and foot 150%
Coma of specifed severity due to Injury 150%
Permanent paralysis of Limbs 150%
Permanent Partial Disablement: As Follows
An arm at the shoulder joint 75%
An arm above the elbow joint 70%
A hand at the wrist 50%
An arm beneath the elbow joint 60%
A thumb 25%
An index finger 10%
Any other finger 5%
A leg above mid-thigh 75%
A leg up to mid-thigh 60%
A leg up to beneath the knee 50%
A leg up to mid-calf 45%
A foot at the ankle 40%
A large toe 5%
Any other toe 2%
Permanent loss of sight of one eye 50%
Hearing of one ear 25%
Hearing of both ears 75%
5. Events
Percentage of
Sum Insured
Sr. No. Fracture % of Sum Insured
Sense of smell 10%
Sense of taste 5%
Shortening of leg by at least 5% 7%
Burns as calculated on Rule of Nine for each area of body affected: As Follows
Burns at least 18% of the body surface area
30% of Sum
Insured
Burns at least 45% of the body surface area
100% of Sum
Insured
Burns at least 27% of the body surface area
50% of Sum
Insured
Temporary Total Disablement (weekly beneft) weekly benefit up
to a maximum of
100 weeks or as
mentioned in the
schedule
If an insured person suffers from a fracture caused by an accident, certified by a Specialist Medical Practitioner and confirmed by
imaging investigations such as X-ray, then we will pay the percentage of the Sum Insured specified in the table below:
Broken Bones
1 Injury to vertebral body resulting in spinal cord damage 100%
2 Pelvis 100%
3 Skull (excluding nose and teeth) 30%
4 Chest (all ribs and breast bone) 50%
5 Shoulder (collar bone and shoulder blade) 30%
6 Arm 25%
7 Leg 25%
8 Vertebra – vertebral arch (excluding coccyx) 30%
9 Wrist (Colles' or similar fractures) 10%
10 Ankle 10%
6. III. MAIN EXCLUSIONS
1. Any existng disablement prior to the inception of policy
2. Suicide, attempted suicide
3. Serving in military, armed forces
4. Under the influence of drug, alcohol & other intoxicants
5. Participation in felony, riots, war etc
6. Exposure to nuclear, radioactive materials
7. Loss due to child birth or pregnancy
IV. AGE ELIGIBILITY
V. PERIOD OF COVER
1. Individual from age of 18 years to 70 years
2. Children from age of 3 years to 25 years as dependent
3. Life - Long Renewal for break free policy
Sr. No. Fracture % of Sum lnsured
11 Coccyx 5%
12 Hand 3%
13 Finger 3%
14 Foot 3%
15 Toe 3%
16 Nasal Bone 3%
17 Any other Broken bone Percentage as assessed by
registered Medical Practitioner
Minimum policy term 1 year*
Maximum policy term
* The product is also available for a term of less than 1 year, to provide coverage to specific events.
3 year*
7. VI. SUM INSURED
VII. RATE OF PREMIUM PER MILLE: (Goods and Services Tax extra)
The maximum sum insured that can be offered is 144 times of monthly income of the proposer.
Accidental Death Sum insured will be the highest. The Sum Insured is based on the monthly income commensuration and risk class.
Maximum multiplying factor on monthly income
Class 1
AD 144 144 144
PTD 144 144 144
PPD 144 144 144
TTD 24 24 Not applicable
Cover
Class 2 Class 3
• TTD - Maximum sum insured restricted to ₹ 50 Lakhs for Class 1, ₹ 25 Lakhs for Class 2
• Non-working spouse-50% of sum insured for insured subject to maximum ₹ 10 Lakhs with TTD Sum Insured max ₹ 1 lakh
(i.e. limited to ₹ 1000/- per week for 100 weeks)
• Dependent Children from 3 years up to 25 years of Age - 25% of sum insured of the primary insured subject to maximum
₹ 5 lakhs without TTD
• Unemployed/ Students – AD, PTD, PPD can be given up to maximum of ₹ 10 Lakhs, without TTD
• In case of continuous renewals above age 70 years, the sums insured commensuration would be as follows:
• Age 71 years to 75 years – 50% of the above commensuration table limits to a maximum fo Rs. 25 lacs
• Age 76-80 years – 25% of the above commensuration table limits to a maximum of Rs. 10 lacs
• Age 80 years and above – Max Rs. 5 lacs
• In case of persons from 71 years to 80 years is having no gainful income, the maximum sum insured will be Rs. 5 lacs and above
80 years would be Rs. 2.5 lacs (TTD benefit is not available for the age above 70 years)
Rate of Premium per mille in case the policy period is 1 year or more
Cover Risk Class 1 Risk Class 2 Risk Class 3
A Primary Covers
I Accidental Death 0.4 0.6 0.9
0.1 0.2 0.35
0.25 0.45 0.75
Ii Permanent Total Disablement
Iii Permanent Partial Disablement
0.5 0.75 Not applicable
Iv Temporary Total Disablement
Inbuilt cover Inbuilt cover Inbuilt cover
I Repatriation and funeral benefit
B Inbuilt Cover
8. Rate of Premium per mille in case the policy period is 1 year or more
Cover Risk Class 1 Risk Class 2 Risk Class 3
C Additional Benefits
i Child Education Support
• Premium for policies issued for a period of less than 1 year to provide coverage to specific events
0.5 0.8 1.25
vi Loan Protector 2 2.8 4.25
vii Adaptation Allowance 0.7 0.75 0.8
viii Family Transportation Allowance 0.3 0.3 0.3
Ix Broken Bones 2.89 2.89 2.89
x Road Ambulance Cover 2.174 2.174 2.174
Xi Air Ambulance Cover 0.127 0.127 0.127
Xii Adventure Sports Benefit 0.75 1.20 1.88
xiii Chauffeur Plan Benefit ₹ 119.5/- ₹ 119.5/- ₹ 119.5/-
ii Life Support Benefit 0.1 0.2 1.35
Iii Accidental Hospitalisation 0.5 2 3
iv Accidental Medical expenses 20% loading on total premium of primary covers
v Hospital Cash Allowance ₹ 25 per ₹ 100/day ₹ 30 per ₹ 100/day ₹ 40 per ₹ 100/day
Premium for policies issued for a period of less than 1 year Policy Period up to
1 month 20%
Policy Period up to Premium rate (as % of annual rate)
40%
75%
90%
100%
3 month
6 month
9 month
Exceeding 9 months
• Family Definition: Self, Spouse and maximum two dependent children.
• 10% family discount on the total premium if more than one family member is covered under the same policy.
• There will be no loading on premium for adverse claims experience.
• Terrorism is an inbuilt cover under Accident Suraksha Policy only in case where the policy holder is a victim of a terrorist act and
not abetting terrorism
• Repatriation and Funeral Benefit: The benefit payable towards expenses for burial or cremation, transportation of Insured Person’s
body to his/her city of residence and Funeral expenses together shall be limited to 1% of the Principal Sum Insured subject to
maximum of ₹ 12500/-.
• Accidental Hospitalisation: Accidental Hospitalisation can be opted as a standalone cover. We shall reimburse such expenses
up to a limit of Sum Insured as mentioned in the policy schedule subject to a maximum of ₹ 10 Lakhs.
9. VIII. FREE LOOK PERIOD
The free look period shall be applicable at the inception of the policy.
a) The insured will be allowed a period of at least 15 days from the date of receipt of the policy, except for those policies
with tenure of less than a year, to review the terms and conditions of the policy and to return the same if not acceptable
b) If the insured has not made any claim during the free look period, the insured shall be entitled to-
i. A refund of the premium paid less any expenses incurred by the insurer on medical examination of the insured persons and the
stamp duty charges or;
ii. where the risk has already commenced and the option of return of the policy is exercised by the policyholder, a deduction towards
the proportionate risk premium for period on cover or;
iii. Where only a part of the risk has commenced, such proportionate risk premium commensurate with the risk covered during
such period.
1 year Nil
Policy Tenure Long - Term Discount
5%
10%
2 year
3 year
• Hospital Cash Allowance: If the Insured Person suffers an Injury during the Policy Year that requires Insured Person’s Hospitalisation
for Inpatient Care, then We will also make payment of maximum of amount as mentioned in the Schedule for each completed day of
Hospitalisation in India, for a maximum period of 30 days per Policy Period mentioned in the Schedule provided that the hospitalisation
commences within the same policy period.
• Adaptation allowance: The maximum amount payable under this cover shall be limited to 10% of the Permanent
Total Disablement Sum Insured or as mentioned in the policy schedule, whichever is less, subject to a maximum of ₹ 50,000
• Family transportation allowance: The maximum amount payable for this cover shall be limited to 10% of the Principal Sum Insured or
as mentioned in the policy schedule, whichever is less, subject to maximum Rs 50,000
• Road Ambulance Cover: We shall reimburse the actual expenses of the transfer to the nearest Hospital or up to a maximum amount
as stated in the Policy Schedule, subject to a valid claim being admissible under the Primary Cover(s) of the Policy.
• Air Ambulance Cover: We will pay the expenses incurred for ambulance transportation in an airplane or helicopter for rapid ambulance
transportation up to a maximum amount as stated in the Policy Schedule as set out in the Schedule.
• Adventure Sports Benefit: The Sum Insured for this cover shall be limited to 50% of Sum Insured under Accidental Death benefit to a
maximum of ₹ 50,00,000
• Adventure Sports will cover injury which causes Accidental Death or Permanent Total Disablement whilst engaged in Adventure
sports in a non-professional capacity and under the supervision of a trained professional, during leisure trip.
• Chauffeur Plan Benefit: The company will pay the daily amount up to the Sum Insured up to a maximum of 30 days mentioned in
the Schedule
• Long term policy discount: Long term discount will be given in case the Policy term is more than 1 year.
Long term discount is applicable in case of single payment.
10. IX.CLASSIFICATION OF OCCUPATIONS FOR PURPOSES OF RATING
CLAIMS ASSISTANCE:
Class I:
Accountants, Doctors, Lawyers, Architects, Consulting Engineers, Teachers, Bankers, Persons engaged in administrative functions,
Persons primarily engaged in occupations of similar hazard.
Class II:
Builders, Contractors, Sales executives and Engineers engaged in superintending functions only. Veterinary Doctors,
paid drivers of motor cars and light motor vehicles and persons engaged in occupations of similar hazard and not
engaged in manual labor.
All persons engaged in manual labor (Except those falling under Group III) Cash Carrying Employees, Garage and Motor Mechanics,
Machine Operators, Drivers of trucks or lorries and other heavy vehicles, Professional Athletics and Sportsmen, Woodworking
Machinists and persons engaged in occupations of similar hazard.
Class III:
Persons Working in underground mines, explosives, magazines, workers involved in electrical installation with high tension supply,
Jockeys, Circus personnel, Persons engaged in activities like racing on wheels or horseback, big game hunting, mountaineering,
winter sports, skiing, ice hockey, ballooning, hand gliding, river rafting, polo and persons engaged in
occupations/activities of similar hazard.
In case of any service requirement, do call our care lines below: 1800-220-233, 1860-500-3333, 022-67837800.
The claims would be serviced through In-House Health Administrator, Future Generali Health (FGH) Team.
The claim documents can be submitted directly to the below mentioned address.
It is mandatory to intimate the accidents to Future Generali through: Email ID - fgh@futuregenerali.in
11. CLAIMS DEPARTMENT:
DISCLAIMER:
Future Generali Health (FGH), Future Generali India Insurance Company Ltd.,
Office No. 3, 3rd Floor, Building A, G - O - Square, Sr. No. 249-250, Near Mankar Chowk, Aundh Hinjewadi
Link Road, Wakad, Pune, Maharashtra-411 057
For any claim related queries please call:
Toll free number - 1800 209 1016 / 1800 103 8889
Toll free Fax - 1800 209 1017 / 1800 103 9998
Email ID - fgh@futuregenerali.in
For further details, please refer to the policy wordings.
The information in this brochure is only indicative in nature. For details of the coverage and exclusions
please contact our nearest office. Insurance is the subject matter of solicitation.
12. Future Generali India Insurance Company Limited
(IRDAI Regn. No. 132. CIN U66030MH2006PLC165287)
Regd. And Corp. 801 and 802, 8th floor, Tower C, Embassy
247 Park, L.B.S Marg, Vikhroli (W), Mumbai – 4000803.
Website : https://general.futuregenerali.in
Email: fgcare@futuregenerali.in
Call us at: 1800-220-223 | 1860-500-3333 | 022-67837800
Fax No: 022 4097 6900.
ARN: FG-NL/PD/MKTG/EN/ACCSURK2017-001BRO
UIN: FGIPAIP18040V021718
ISO Ref. No.: FGH/UW/RET/260/01
For detailed information on the product including risk
Factors, terms and conditions etc., please refer to the
product policy clause, consult your advisor or visit our
website before concluding a sale. Trade Logo displayed
above belongs to M/S Assicurazioni Generali – Societa Per
Azioni and used by Future Generali India Insurance Co Ltd.
under license.Future Group’s and Generali Group’s liability
is restricted to the extent of their shareholding in Future
Generali India Insurance Company Limited.