Future Generali Accident Suraksha personal accident insurance, popular personal accident insurance in India

Future Generali Personal Accident Suraksha insurance - review

Eligibility
Sum Insured Eligibility
Coverages
Benefit Description
Exclusions

Eligibility Criteria of Future Generali Personal Accident Suraksha insurance

Adults : 18 years to 70 years with renewability up to 70 years.
Children : 3 years to 25 years can be covered as dependents.
Life-Long Renewal for break free policy
Policy Terms : Minimum – 1 year / Maximum – 3 years
Classification of Occupation for Premium Rating
- 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 labour. All persons engaged in manual labour (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 Athletes 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.

Future Generali Personal Accident Suraksha insurance sum insured

Maximum sum insured that can be allowed 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	144	144
Permanent Total Disablement	144	144	144
Permanent Partial Disablement	144	144	144
Temporary Total Disablement	24	24	Not applicable

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 of 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 lakhs and above 80 years would be Rs 2.5 lakhs ( TTD benefit is not available for the age above 70 years)

Coverages under Future Generali Personal Accident Suraksha insurance

Primary Covers
Accidental Death	Upto 100% of Sum Insured (SI) opted for
Permanent Total Disablement	Upto 150% of Sum Insured (SI) opted for
Permanent Partial Disablement(PPD)	Payable as per the PPD Table of benefits
Temporary Total Disablement	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.
Inbuilt Cover
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 $12,500/-.
Additional Covers
Child Education Support	In case of Accidental death or Permanent Total Disablement, the sum insured mentioned against this benefit per month for the maximum period as stated in the Policy Schedule, is paid towards your children's education benefit.
Life Support Beneﬁt	In case of Permanent Total Disablement, the sum insured mentioned against this benefit per month for the number of months mentioned in the Schedule is paid.
Accidental Medical Expenses	The maximum amount payable shall be 40% of the valid Personal Accident claim amount or 20% of the relevant sum insured whichever is less subject to maximum of ₹ 10,00,000(Rupees Ten lacs only).
Accidental Hospitalization	We will reimburse the reasonable and customary charges for Medical Expenses incurred for the inpatient care of insured person in India, up to a limit of Sum Insured as mentioned in the policy schedule subject to a maximum of 10 lacs
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.
Loan Protector	In the event of Accidental Death or Permanent Total Disablement, the sum insured mentioned against this benefit per month for the number of months mentioned in the Schedule is paid.
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 ₹$50,000.
Broken Bones	In case of Accident which causes fracture (a break in the continuity of a bone), the percentage of the Sum Insured is paid as specified in the table of benefits.
Road Ambulance Cover	The company 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	The company 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.
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.
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.
Terrorism	Covered

Benefit Description

Child Education Support In case of Accidental death or Permanent Total Disablement, the sum insured mentioned against this benefit per month for the maximum period as stated in the Policy Schedule, is paid towards the children's education benefit.

Accidental Hospitalisation In case of hospitalisation for Inpatient Care in India, due to accidental bodily injury, reasonable Medical expenses for treatment or Surgery incurred up to the maximum sum insured shown in the Policy Schedule for this section, provided that the Hospitalisation commences within the same Policy Year. This cover is independent of any claim under the primary covers.

Accidental Medical expenses In case of Accidental Death, Permanent Total Disablement or Permanent Partial Disablement, Temporary Total Disablement, reasonable medical expenses will be reimbursed for medical treatment or Surgery for the Injury sustained, provided the treatment is availed in a Hospital or Day care centre in India including as OPD treatment/ Day Care Treatment. The maximum amount payable shall be 40% of the valid Personal Accident claim amount or 20% of the relevant sum insured whichever is less subject to maximum of ₹ 10,00,000(Rupees Ten lacs only).

Hospital Cash Allowance The insured person 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.

Chauffeur Plan Benefit The company will pay the daily amount up to the Sum Insured up to a maximum of 30 days, for the hire of a taxi or chauffeur driven car or other necessarily incurred extra costs to maintain the Insured Person's mobility to meet his/her work/Occupational commitments in case the Insured Person sustains an Injury and We making payment for a claim under Permanent Partial Disablement or Temporary Total Disablement.

Road Ambulance Cover The company will reimburse the actual expenses of transfer of Insured Person to the nearest Hospital or up to a maximum amount as mentioned in the Policy Schedule, in case the Insured Person suffers an Injury in India during the Policy Year and it is necessary to immediately transfer such person from the site of Accident to the nearest Hospital/ Day Care Centre/ Nursing Home by road in an ambulance, subject to a valid claim being admissible under the Primary Cover(s) of the Policy.

Broken Bones In case of Accident which causes fracture (a break in the continuity of a bone), the percentage of the Sum Insured is paid as specified in the table of benefits.

Loan Protector In the event of Accidental Death or Permanent Total Disablement, the sum insured mentioned against this benefit per month for the number of months mentioned in the Schedule is paid.

Adaptation Allowance In case of a Permanent Total disablement arising out of an accident an amount up to 10% of the Permanent Total Disablement sum insured subject to maximum of ₹ 50,000 will be reimbursed to you towards the cost of modifying the insured's house or vehicle.

Life Support Benefit In case of Permanent Total Disablement, the sum insured mentioned against this benefit per month for the number of months mentioned in the Schedule is paid.

Air Ambulance Cover The company will pay the expenses incurred for ambulance transportation in an airplane or helicopter for rapid ambulance transportation, in case the Insured Person suffers an Injury which causes emergency life threatening conditions during the Policy Year and it is necessary to immediately transfer such person from the site of Accident to the nearest Hospital/ Day Care Centre/ Nursing Home.

Adventure Sports Benefit The company will pay the expenses incurred in case of Injury which causes Accidental Death or Permanent Total Disablement whilst engaged in Adventure sports in a nonprofessional capacity and under the supervision of a trained professional, during leisure trip. The maximum amount payable shall be limited to 50% of Sum Insured under Accidental Death benefit to a maximum of ₹ 50,00,000/- (Rupees Fifty lacs only).

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 expenses for transportation by the most direct route by a licensed common carrier to the place of Hospitalization of the Insured Person, incurred by the immediate family member on recommendation of a medical practitioner, to reach the insured person, limited up to 10% of the Principal Sum Insured or as mentioned in the policy schedule, whichever is less, subject to maximum ₹ 50,000/-