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Future Generali Overseas student insurance
Future Student Suraksha plan from Future Generali Insurance company makes studying and living in foreign countries very easy. The students covered under this plan can concentrate on their academics without worrying about any medical expenses in case of emergency situation. The plan provides coverage for 2 years covering the medical expenses, tuition fees.
Future Generali India Insurance Company Limited is a joint venture between Future Group – the game changers in Retail Trade in India and Generali – a 187 years old Italian global insurance group featured among the world’s 60 largest companies. The company was incorporated in September 2007 with the objective of providing retail, commercial, personal and rural insurance solutions to individuals and corporates to help them manage and mitigate risks.
USD 50,000 to 5,00,000
39.5%
115%
13,315
17,294
Future Generali was one of the first insurers to also get into the Retail Travel insurance market with innovative products which cater to the Indian traveller be it a Leisure or Business Traveller. Their Travel Products are operated under the brand name of Travel Suraksha.
| Plans | Insured’s Age | Remarks |
|---|---|---|
| Student Plan | Student’s age can be between 18 years and 35 years on the date of commencement of the policy. |
| Plans | Countries Covered | Sum Insured Options (Accident & Sickness Expenses) |
|---|---|---|
| Student Suraksha Insurance Plan | Options available for both Including and Excluding USA & Canada | Basic - $50,000 Standard - $50,000 Silver - $100,000 / $150,000 Gold - $200,000 / $250,000 Platinum - $500,000 Asia Pacific (Excluding Japan) - $25,000 |
While studying abroad is exciting, it comes with its fair share of uncertainty and apprehension. However, with Future Student Suraksha, you can be confident that everything will be taken care of in case of an unforeseen emergency which can be both Medical and Non Medical. This comprehensive two year plan covers everything, from your medical expenses and passports to special allowances like tuition fees and sponsor protection. plan is eligible for students between the ages of 18 and 35 years of age.
Future’s Student Plan has five options to choose from namely Basic (Medical Expense coverage of $50,000), Standard ($ 50,000), Silver ($100,000 / $150,000) Gold ($200,000 / $250,000), Platinum ($500,000) apart from a Plan, specific to the Asia Region with a Sum Insured of $25,000.
Apart from the traditional travel insurance coverages like Accident & Sickness Expenses, Medical Evacuation and Repatriation of Mortal Remains, Dental Expenses, Personal Accident included Accidental Death & Permanent Total Disability, Loss and Delay of Baggage Checked in with the Carrier, Personal Liability, the plan also offer Coverages specific to the Student which include Tuition Fee, Compassionate Visit (2 way), Sponsor Protection, Felonious Assault and Bail Bond.
| Benefits (in US$) | Basic | Standard | Silver | Gold | Platinum | Asia- Pacific excluding Japan | Deductible | ||
|---|---|---|---|---|---|---|---|---|---|
| Medical Care | |||||||||
| Medical Expenses & Medical Evacuation & Repatriation | $50,000 | $50,000 | $100,000 | $150,000 | $200,000 | $250,000 | $500,000 | $25,000 | $100 |
| Emergency Dental Treatment | $250 | $250 | $250 | $250 | $500 | $500 | $500 | $100 | $50 for $250 & $100 for $500 & $25 for $100 |
| Mental and Nervous Disorders | $500 | $500 | $500 | $500 | $500 | $1,000 | $500 | $75 for $500 & $100 for $1,000 | |
| Maternity Benefit* | $500 | $500 | $500 | $1,000 | $1,000 | $2,000 | $500 | ||
| Personal Accident | |||||||||
| Personal Accident Cover(Accidental Death And Disability) | $7,500 | $7,500 | $15,000 | $22,500 | $30,000 | $37,500 | $40,000 | $5,000 | |
| Accidental Death Common Carriage | $10,000 | $10,000 | $15,000 | $20,000 | $25,000 | $25,000 | $50,000 | $7,000 | |
| Personal Care | |||||||||
| Loss Of Checked Baggage | $1,000 | $1,000 | $1,250 | $1,500 | $1,750 | $2,000 | $3,000 | $750 | 50% |
| Delay Of Checked Baggage | $50 | $150 | $150 | $150 | $150 | $150 | $150 | $50 | 12hrs |
| Compassionate Visit | $5,000 | $5,000 | $5,000 | $7,500 | $7,500 | $10,000 | $3,000 | ||
| Travel Inconvenience | |||||||||
| Loss of Passport | $200 | $200 | $200 | $200 | $250 | $250 | $300 | $150 | $25 for $200 & $30 for $250 & $50 for $300 & $20 for $150 |
| Person Liability | |||||||||
| Person Liability | $100,000 | $100,000 | $100,000 | $100,000 | $100,000 | $200,000 | $100,000 | $200 for $100,000 & $500 for $200,000 | |
| Special Allowances | |||||||||
| Tution Fee | $10,000 | $10,000 | $15,000 | $15,000 | $20,000 | $25,000 | $7,000 | ||
| Sponsor Protection | $10,000 | $10,000 | $10,000 | $10,000 | $10,000 | $15,000 | $7,000 | ||
| Felonious Assault | $5,000 | $5,000 | $5,000 | $5,000 | $5,000 | $10,000 | $3,000 | ||
| Bail Bond | $500 | $1,000 | $1,500 | $2,000 | $2,500 | $2,500 | $1,000 | ||
* Waiting period is 10 months
All the plans takes care of your emergency medical expenses resulting from an accident or sickness while traveling abroad.
Payment up to a specified maximum limit is given in case of loss of baggage. Also compensation for reasonable expenses incurred for emergency personal purchase due to delay in arrival of checked in baggage (after 12 hrs), whilst overseas. Both are payable if the baggage was in the custody of the carrier.
Compensation for reasonable expenses incurred in obtaining a duplicate passport overseas is covered under this benefit.
Worldwide coverage is available under all plans against Accidental Death and Permanent Total Disablement while the insured is abroad. Additional coverage is available if the unfortunate incident occurs while the insured is traveling in a common carrier.
Medical Evacuation to a nearby location or to India due to a lack of or for better available medical facilities subject to obtaining prior approval from insurer’s end for further treatment.Repatriation of Remains is the expenses incurred to transport the mortal remains of the insured back to India.
Provides reimbursement of un used tuition fees if you suffer any of the following conditions and are not able to continue your studies for the remaining part of a school semester for which tuition fee has been paid, if – you are hospitalised for more than one consecutive month for covered Injury / sickness or in case of terminal illness or in case medical repatriation, or in case of accidental death of immediate family member.
In case of Accidental death or permanent disablement of your sponsor, we'll reimburse your tuition Fee incurred for the remaining period of this education up to specified maximum limit.
The insurance company will pay costs relating to the bail bond if the insured student incurs, as a result of any inadvertent law breaking or false arrest in a bailable offence or wrongful detention by any government during his/her travel overseas.
Europ Assist is the Third Party Administrator (TPA ) for Future Generali Travel policies for claims and assistance abroad
How does one get in touch with EUROP ASSISTANCE?For claims and related queries, you may kindly call:
24X7 helpline number : +91 22 6734 7841
National toll-free number : 1800 209 2333 (only from MTNL/ BSNL network)
Land line number for Claims : +91 22 6734 7878; Fax number: +91 22 6734 7888
Address:
Europ Assistance India Pvt. Ltd., 761 Solitaire Corporate Park. 167 Guru Hargovindji Marg, Chakala,Andheri(E), Mumbai – 400 093
Email ID : fgi@europ-assistance.in
For any Worldwide Emergency Assistance Services, Medical Assistance Services, Travel Assistance Services and for availing Cashless Service during a travel abroad please call on the below UIFN (Universal International Freephone Number)/ ITFS (International Toll Free Service) numbers provided on policy documents.
| Country | Number to be dialed | Accessible from |
|---|---|---|
| USA | 18337426672 | Fixed Line, Mobile networks UIFN or Payphone |
| Canada | 01180055331345 | Fixed Line |
| New Zealand | 0080055331345 | Fixed Line, Mobile networks UIFN or Payphone |
| Singapore | 00180055331345 | Fixed Line, Mobile networks UIFN or Payphone |
| Malaysia | 0080055331345 | Fixed Line, Mobile networks UIFN or Payphone |
| Australia | 001180055331345 | Fixed Line, Mobile networks UIFN or Payphone |
| Austria | 0080055331345 | Fixed Line, Mobile networks UIFN or Payphone |
| China | 0080055331345 | Fixed Line |
| France | 0080055331345 | Fixed Line, Mobile networks UIFN or Payphone |
| Germany | 0080055331345 | Fixed Line, Mobile networks UIFN or Payphone |
| UK | 0080055331345 | Fixed Line, Mobile networks UIFN |
| Netherlands | 0080055331345 | Fixed Line, Mobile networks UIFN or Payphone |
| Belgium | 0080055331345 | Fixed Line |
| Portugal | 0080055331345 | Fixed Line, Mobile networks UIFN or Payphone |
| Denmark | 0080055331345 | Fixed Line, Mobile networks UIFN or Payphone |
| Hong Kong | 0080055331345 | Fixed Line, Mobile networks UIFN or Payphone |
| Norway | 0080055331345 | Fixed Line, Mobile networks UIFN or Payphone |
| Spain | 0080055331345 | Fixed Line, Mobile networks UIFN or Payphone |
| Poland | 0080055331345 | Fixed Line, Mobile networks UIFN or Payphone |
| Thailand | 0080055331345 | Fixed Line, Mobile networks UIFN |
| Philippines | 0080055331345 | Fixed Line |
| Italy | 0080055331345 | Fixed Line |
| Hungary | 0080055331345 | Fixed Line, Mobile networks UIFN or Payphone |
| Finland | 0080055331345 | Fixed Line, Mobile networks UIFN or Payphone |
| Ireland | 0080099441111 | Fixed Line, Mobile networks UIFN or Payphone |
| Russia | 0080099441111 | Fixed Line, Mobile networks UIFN |
| India | 1800 209 2333 | All phones Worldwide |
| Worldwide | 02267347841 | All phones (Chargeable number with call back facility) |
Below is a list of indicative services, but not the complete list. Please go through the terms and conditions of your policy for complete list of services.
Emergency Assistance Services include:You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque
Know more »Student medical insurance for Indian students already outside India
Know more »Insurance customers can renew their existing policy online before the expiry date at any time.
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