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Future generali Travel Insurance

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 global insurance group featuring among the world’s 60 largest companies, as per Fortune Global 500 Ranking (2017). 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. Future Generali India has been serving the customers by leveraging upon its global Insurance expertise in diverse classes of products of Generali Group and the Indian retail game changers Future Group. Having firmly established its credentials in this segment and effectively leveraging on the skill set of both its JV partners, Future Generali India has evolved to become a Total Insurance Solutions Company.

Future Generali Travel Insurance(Travel Suraksha) protects you, when unforeseen events occur during your overseas travel. Whether it is medical emergencies, or loss of passport or baggage, Travel Suraksha shields you so that you enjoy your overseas travels with complete peace of mind.

Feature Generali travel insurance review

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Sum Insured

USD 50,000 to 5,00,000

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Claims settlement ratio **

39.5%

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Incurred claims ratio

115%

calendar_month
Number of policies issued *

13,315

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Number of lives covered *

17,294

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Brochure

Brochure

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Policy Wordings

Policy Wordings

Key features of Future Generali Travel Insurance

  • 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.
  • Future Generali Travel Insurance offers Protection across the world with Medical and Non-Medical Assistance through TPA Europ Assist.
  • Future Generali’s Assistance Partner Europ Assist is a Worldwide Emergency Medical and Travel Assistance provider who are easily accessible through their Universal International Free Phone Numbers (UIFN)
  • FG offers Comprehensive Travel insurance Plans with Sum Insured options from $50,000 to $500,000 Accident & Sickness Medical Expense as well as Cashless settlement for Sickness and Accident related Inpatient treatment anywhere in the world.
  • Like most travel insurance companies, No Medical check-up needs to be completed prior to travel for travellers of all ages
  • All their travel insurance plans also offer Cover extension in India, up to 90 days for medical expenses on medical evacuation of the insured back to India based on recommendation of the attending physician abroad.
  • Reimbursement Claims by Future Generali claims team’s turnaround time is less than fourteen working days on submission of complete documentation
  • Travel Insurance policies can be extended beyond 180 days by the insured and upto 365 days for each individual trip.

Future Generali Travel Insurance Overview

Future Generali Health Insurance is today one of the fastest growing insurance players in India with a lot of focus on both retail and group insurance products. Today the Future Generali health insurance premium is one of the most competitive in the market across all their plans apart from being competitive in their benefit structure. They are also one of the players who have built a strong hospital network across India with a current strength of 5,100+ and growing.

Why should an insured opt for a Future Generali Travel Insurance plan?

  • Travel Insurance Protection across the world with Assistance through TPA Europ Assist.
  • Europ Assist is a Worldwide Emergency Medical and Travel Assistance provider who are easily accessible through their Universal International Free Phone Numbers (UIFN)
  • Comprehensive Travel insurance Plan with Sum Insured options from $50,000 to $500,000 Accident & Sickness Medical Expense
  • Cashless settlement for Sickness and Accident related Inpatient treatment anywhere in the world.
  • No Medical check-up needs to be completed prior to travel
  • Cover extension in India, up to 90 days for medical expenses on evacuation
  • Reimbursement Claims by Future Generali claims team’s turnaround time is less than fourteen working days on submission of complete documentation
  • Travel Insurance policies can be extended beyond 180 days by the insured

Insured's Eligibility Criteria for Future Generali's Travel Plans:

Plans Insured's Age Remarks
Individual Single Trip, Asia & Schengen plans Minimum entry age is 6months. Maximum entry age is 70 years at the commencement date of the Policy
Annual Multi trip Plans Age of the insured to be between 18 and 70 years on the date of commencement of the policy.
Asia Plan excluding Japan & Korea(s) Under Individual Plan, insured age can be between 6 months and 70 years on the date of commencement of the policy.
Under Family Floater Plan, insured age can be between 6 months and 65 years. 		Under Family Floater Plan two children from 6 months upto the age of 25 years can be covered.
Student Plan Student’s age can be between 18 years and 35 years on the date of commencement of the policy.
Senior Plan Insured age can be between 71 years and 80 years on the date of commencement of the policy.

They also offer plans across various Geographies And Sum Insureds (for Accident & Sickness Medical Expenses) across the world. Their Countries Included in their respective plans are as below:
Single Trip Plans Annual Multi Trip Plans Asia Plan (excluding Japan & Korea) Schengen Plan Senior Plan - Superior Care
Plans Countries Covered Sum Insured Options (Accident & Sickness Expenses)
Worldwide Including USA / Canada - Single Trip All Countries in the world including North America, South America, and Canada. Standard - $50,000
Silver - $100,000
Gold - $250,000
Platinum - $500,000
Worldwide Excluding USA / Canada - Single Trip All countries across the world apart from North America, South America and Canada Standard - $50,000
Silver - $100,000
Gold - $250,000
Platinum - $500,000
Worldwide - Annual Multi Trip All Countries across the World Gold - $250,000
Platinum - $500,000
Travel Suraksha - Asia Plan All countries in Asia excluding Japan & Korea(s) Family Option
  • Standard - $50,000
  • Silver - $100,000
Individual Option
  • Standard - $25,000
Travel Suraksha - Schengen Plan All Schengen Countries in Europe (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) Standard Plan - 30,000 Euros
Silver - 50,000 Euros
Gold - 100,000 Euros
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 Plan excluding Japan & Korea(s) - $25,000

  • Future Generali travel insurance single trip plan

    Future Generali four options for their Single Trip Plans (for both the Leisure and Business Travellers) under their comprehensive travel insurance product Travel Suraksha for both Including and Excluding USA / Canada geographies. The company allows a maximum duration of 180 days for a single trip with an option for an extension. This is offered for individual travellers between the ages of 6 months to 70 years.

    Being a comprehensive plan, the benefits are broadly categorised as Medical Care, Travel Inconvenience, Personal Care, Personal Accident, Legal Liability and Special Care and these are sub categorised into coverages which include Accident & Sickness Medical Expenses, Medical Evacuation and Repatriation of Mortal Remains, Emergency Dental Expenses, Personal Accident including Accidental Death & Permanent Total Disability, Trip Cancellation and Curtailment, Loss and Delay of Baggage Checked in with the Carrier, Personal Liability, Trip Delay, Golfer’s Hole in One, Home Burglary in India among others.

    They provide four options under the Umbrella Plan terms of Accident & Sickness Sum Insureds from $50,000 to $500,000.

    Single Trip Plans Benefits Standard Silver Gold Platinum Deductible
    Medical Care
    Accident & Sickness Medical Cover $50,000 $100,000 $250,000 $500,000 $75
    Emergency Medical Evacuation & Repatriation of Remains(Limited to USD 10000) Included under Accident & Sickness Medical Expenses Included under Accident & Sickness Medical Expenses Included under Accident & Sickness Medical Expenses Included under Accident & Sickness Medical Expenses  
    Daily Hospital Allowance     $25 per day
    (max 5 days)    		 $25 per day
    (max 5 days)    		 1Day
    Emergency Sickness Dental Treatment $300 $300 $300 $300 $100
    Travel Inconvenience
    Hijack Benefit $50 per day
    (max for 7 days)    		 $50 per day
    (max for 7 days)    		 $100 per day
    (max for 7 days)    		 $150 per day
    (max for 7 days)    		 1 day
    Trip Delay     $20 per 12 hours
    (max 120)    		 $20 per 12 hours
    (max 120)    		 12 Hrs
    Trip Cancellation       $500 $100
    Trip Curtailment       $300 $100
    Missed Connection       $500 $50
    Loss of Passport $200 $200 $250 $250 $25
    Personal Care
    Baggage Delay $50 $50 $100 $200 12 Hrs
    Baggage Loss*** $250 $500 $1,000 $1,000 $25
    Compassionate Visit       Upto a max of $1,000 $200
    Financial Emergency Assistance $100 $200 $500 $500  
    Personal Accident
    Accidental Death & Permanent Total Disablement $5,000 $5,000 $10,000 $20,000  
    Accident Death Common Carrier $3,000 $5,000 $5,000 $5,000  
    Accident Death Air Travel Only     $5,000 $5,000  
    Legal Liability
    Personal Liability $100,000 $100,000 $200,000 $200,000 0.1% of Sum Insured
    Special Care
    Golfer Hole in one celebration $100 $100 $100 $200  
    Home Burglary     Rs.1,00,000 Rs.2,00,000  
    Child Escort     $2,500 $2,500  

    *** Per baggage max. 50% & per item in the baggage max. 10%

    Medical Sublimits
    The following maximum eligible expenses per Accident/illness are applicable to the Insured Persons Aged 56-70, regardless of the plan / option purchased
    Hospital Room and Board and Hospital miscellaneous Max $1,750 per day upto 30 days.
    Intensive Care Unit Max $2500 per day upto 7 days.
    Surgical Treatment Max $12,500
    Anesthetist Services Up to 25% of Surgical Treatment
    Physician's Visit Maximum $75 per Day upto 10 visits
    Diagnostic and Pre-Admission Testing Maximun $1,000
    Ambulance Services Maximum $500

  • Annual Multi trip plans

    Under the Travel Suraksha Plans, Future Generali also offers an Annual Multi Trip (AMT) variant, which is suited for persons who travel abroad multiple times a year on business or leisure. They have two sum insured options for the Annual Multi Trip, namely Gold which has a Sum Insured of $250,000 for Accident & Sickness Expenses and Platinum with a Sum insured of $500,000.

    Future Generali offers two options of coverage for each trip. Apart from this being an annual policy for 365 days, the insured can choose between a single trip option of 30 or 45 days for each trip. The advantage of the AMT is that the insured can buy an annual policy and travel for any number of times in a year without having to contact the insurance company. This provides peace of mind to the traveller who needn’t worry about buying an insurance policy every time they travel. Added to this convenience is the fact that purchasing an AMT is more economical than having to buy a single trip policy each time.

    Like the Singe Trip Plans, the benefits covered under the AMT are very comprehensive and include Accident & Sickness Medical Expenses, Personal Accident including Accidental Death & Permanent Total Disability, Emergency Dental Expenses, Medical Evacuation and Repatriation of Mortal Remains, Loss and Delay of Baggage Checked in with the Carrier, Passport Loss, Missed Connection, Trip Cancellation and Curtailment, Personal Liability, Trip Delay, Golfer’s Hole in One, Home Burglary etc.

    Benefits Gold Platinum Deductible
    Medical Care
    Accident & Sickness Medical Expenses $250,000 $500,000 $75
    Emergency Medical Evacuation & Repatriation of Remains(Limited to USD 10,000) Included under Accident & Sickness Medical Expenses Included under Accident & Sickness Medical Expenses
    Daily Hospital Allowances $25 per day(max 5 days) $25 per day(max 5 days) 1 Day
    Emergency Sickness Dental Relief $300 $300 $100
    Personal accident
    Accidental Death & Permannent total disablement $10,000 $20,000
    Accidnetal Death Common Carrier $5,000 $5,000
    Accidnetal Death Air Travel Only $5,000 $5,000
    Legal liability
    Personal Liability $200,000 $200,000 0.1% of Sum Insured
    Travel inconvenience
    Hijack Relief Benefit $100 per day(max for 7 days) $150 per day(max for 7 days) 1 Day
    Trip Delay $20 per 12 hours(max $120) $20 per 12 hours(max $120) 12 Hrs
    Trip Cancellation Not Available $500 $100
    Trip Curtailment Not Available $300 $100
    Missed Connection Not Available $500 $50
    Loss of Passport $250 $250 $25
    Personal care
    Baggage Delay $100 $200 12 Hrs
    Baggage Loss*** $1,000 $1,000 $25
    Compassionate Visit Not Available Upto a max of $1000 $200
    Financial Emergency Assistance $500 $500  
    Special care
    Golfers Hole in One Celebration $100 $200  
    Home burglary insurance Rs 100,000 Rs 200,000  
    Child Escort $2,500 $2,500  

    *** Per baggage max. 50% & per item in the baggage max.

    Medical Sublimits
    The following maximum eligible expenses per Accident/illness are applicable to the Insured Persons Aged 56-70, regardless of the plan / option purchased
    Hospital Room and Board and Hospital miscellaneous Max $1,750 per day upto 30 days.
    Intensive Care Unit Max $2500 per day upto 7 days.
    Surgical Treatment Max $12,500
    Anesthetist Services Up to 25% of Surgical Treatment
    Physician's Visit Maximum $75 per Day upto 10 visits
    Diagnostic and Pre-Admission Testing Maximun $1,000
    Ambulance Services Maximum $500

  • Future Suraksha - Asia Plan excluding Japan & Korea(s)

    Asia has become one of the hottest destinations for the world traveller and the Indian traveller is no exception. With so many captivating destinations to choose from, almost one out of every four travellers (24% according to UNWTO 2018 Report) are actually visiting Asia which is the second most visited continent after Europe. This explains why most insurance companies have an Asia Specific Insurance plan and Future Generali is no exception. The second important aspect to be noted is that Indians generally travel with their family members on holidays and hence Future Generali’s Asia plan has a Family option apart from the Individual Option. They have two variants in the Family Floater cover which is Standard (Sum Insured for Medical Expenses @ $50,000) and Silver ( Sum Insured of $100,000) while the Individual Option has only one Sum insured variant which is the Standard Plan with a coverage of $25,000.

    The plans offer coverages of Accident & Sickness Medical Expenses (which includes Evacuation and Repatriation), Emergency Dental Expense, Daily Cash Allowance (when the insured is hospitalised), Passport Loss, Delay and Loss of Checked in Baggage, Personal Liability and Personal Accident (Accidental Death including Common Carrier).

    Benefits Family Floater Standard Family Floater Silver Individual Standard Deductible
    Medical Care
    Accident & Sickness Medical Expenses $50,000 $100,000 $25,000 $50
    Emergency Medical Evacuation & Repatriation of Remains Included under Accident & Sickness Medical Expenses Included under Accident & Sickness Medical Expenses Included under Accident & Sickness Medical Expenses
    Accidental Death & Permanent Total Disablement $7,500 $15,000 $5,000
    Accidental Death Common Carrier $2,500 $5,000 Not Available
    Daily Hospital Allowance $25 per day
    (max up to 5 days)    		 $25 per day
    (max up to 5 days)    		 Not Available 1 Day
    Emergency Sickness Dental Treatment $100 $150 Not Available $50
    Legal liability
    Personal Liablity $10,000 $10,000 Not Available $100
    Travel inconvenience
    Loss of passport $100 $100 $100 $25
    Personal care
    Baggage Delay $100 $100 Not Available 12 Hrs
    Checked Baggage Loss $200 $200 Not Available
    Medical Sublimits
    The following maximum eligible expenses per Accident/illness are applicable to the Insured Persons Aged 56-70, regardless of the plan / option purchased
    Hospital Room and Board and Hospital miscellaneous Max $1,750 per day upto 30 days.
    Intensive Care Unit Max $2500 per day upto 7 days.
    Surgical Treatment Max $12,500
    Anesthetist Services Up to 25% of Surgical Treatment
    Physician's Visit Maximum $75 per Day upto 10 visits
    Diagnostic and Pre-Admission Testing Maximun $1,000
    Ambulance Services Maximum $500

  • Future Suraksha - Schengen Plan

    As mentioned in the previous Asia Travel section, Europe is the most sought after destination for the Indian and Global traveller. According to UNWTO 2018 Report, 51% of the world’s travellers are headed for Europe and a substantial part of these travellers are headed for the Schengen Region within Europe. For travel to the Schengen region, a Schengen visa is a must and to obtain a Schengen visa, the traveller must have an insurance coverage mandatorily with an Accident & Sickness coverage of not less than Euros €30,000. Hence most Indian insurance companies including Future Generali have a plan specific for Schengen Travel.

    Future Generali’s Future Suraksha Schengen Plan has three variants with Sum Insured ranging from $30,000 to $100,000 under their Standard, Silver and Gold variants.

    Coverages include Accident & Sickness, Evacuation and Repatriation, Hijack Coverage, Trip Delay, Trip Cancellation and Curtailment, Passport Loss, Baggage Delay / Loss, Missed Connection, Compassionate Visit, Emergency Financial Assistance, Personal Accident & Liability and Automatic Extension.

    Benefits (in Euro) Standard Silver Gold Deductible
    Medical Care
    Accident & Sickness Medical Expenses 30,000 Euros 50,000 Euros 100,000 Euros 50 Euros
    Emergency Medical Evacuation & Repatriation of Remains Included under Accident & Sickness Medical Expenses Included under Accident & Sickness Medical Expenses Included under Accident & Sickness Medical Expenses
    Emergency Sickness Dental Relief 200 Euros 200 Euros 200 Euros 70 Euros
    Travel Inconvenience
    Hijack Benefit Not Available 50 Euros per day (Max 7 days) 100 Euros per day (Max 7 days) 1Day
    Trip Delay Not Available Not Available 20 Euros per 12 hrs (Max 120) 12 Hrs
    Trip Cancellation Not Available Not Available 300 Euros 70 Euros
    Trip Curtailment Not Available Not Available 200 Euros 70 Euros
    Missed Connection Not Available Not Available 350 Euros 50 Euros
    Loss of Passport 200 Euros 200 Euros 250 Euros 25 Euros
    Personal Care
    Baggage Delay Not Available 50 Euros 100 Euros 12 Hrs
    Baggage Loss** 200 Euros 350 Euros 500 Euros 25 Euros
    Compassionate Visit Not Available Not Available 500 Euros 100 Euros
    Financial Emergency Assistance Not Available Not Available 300 Euros
    Personal Accident
    Accidental Death & Permanent Total Disablement 3,500 Euros 3,500 Euros 10,000 Euros
    Legal Liability
    Personal Liability Not Available 50,000 Euros 100,000 Euros 100 Euros for 50,000 Euros and 200 Euros for 100,000 Euros

    **Per baggage max 50% & per item in the baggage max 10%.

  • Future Suraksha - Superior Care (Senior Citizen's Plan)

    For Senior Citizens between the ages of 71 - 80 years, Future Generali has a specific Senior Citizen plan under their umbrella Travel product Future Suraksha. The coverage under the Standard Plan is $100,000. This comes with benefits like Accident & Sickness Expenses, Medical Evacuation, Repatriation of Remains, Passport Loss, Baggage Loss and Delay, Personal Accident (including coverage in a Common Carrier), Hijack benefit, Emergency Financial Assistance and Personal Liability.

    Benefits Prime Care Select Superior Care Deductible
    Accident & Sickness Medical Cover $50,000 (Per Accident / illness medical expenses limit restricted to $ 15,000) $100,000 (Per Accident / illness medical expenses limit restricted to $ 15,000) $75
    Emergency Medical Evacuation Included under Accident & Sickness Medical Expenses Included under Accident & Sickness Medical Expenses
    Repatriation of Remains $10,000 (Included under Accident & Sickness Medical Expenses) $10,000 (Included under Accident & Sickness Medical Expenses)
    Personal Accident
    Accidental Death & Permanant Total Disablement $5,000 $5,000  
    Accident Death Common Carrier $5,000 $5,000  
    Accidental Death Air Travel only $5,000
    Travel Inconvenience
    Hijack Benefit $50 per day
    (max for 7 days)    		 $50 per day
    (max for 7 days)    		 1 day
    Loss of Passport $200 $200 $25
    Personal Care
    Baggage Delay $50 $50 12 Hrs
    Baggage Loss*** $500 $500 $25
    Financial Emergency Assistance $200 $200  
    Legal Liability
    Personal Liability $100,000 $100,000 0.1% of Sum Insured

    *** Per baggage max. 50% & per item in the baggage max.

    Medical Sublimits
    Hospital Room and Board and Hospital miscellaneous Max $1,750 per day upto 30 days.
    Intensive Care Unit Max $2500 per day upto 7 days.
    Surgical Treatment Max $12,500
    Anesthetist Services Up to 25% of Surgical Treatment
    Physician's Visit Maximum $75 per Day upto 10 visits
    Diagnostic and Pre-Admission Testing Maximun $1,000
    Ambulance Services Maximum $500

Description of the benefits covered under the Future Travel Plans

These are brief summaries of most of the benefits covered under the Travel insurance plans, please go through the policy terms and conditions for complete coverage details. Coverage of Medical Expenses.
All the plans takes care of your emergency medical expenses resulting from an accident or sickness while traveling abroad.

Baggage Delay and Baggage Loss 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.

Loss of Passport Compensation for reasonable expenses incurred in obtaining a duplicate passport overseas is covered under this benefit.

Personal Accident 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 and Repatriation of Remains 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.

Financial Emergency Assistance Provides assistance in coordinating with the Insured's family in India, so that Insured's family will send the cash to the Insured while they are abroad.

Golfers Hole in One Celebration We shall pay expenses incurred in celebration of achieving a hole- in-one by you during the trip, anywhere in the world excluding India, in a United States Golfers Association (USGA) recognized golf course.

Burglary (Home Contents) If the insured is a victim of a burglary at the residence in India (located at the address mentioned in the Schedule) during the period of travel overseas, coverage is provided for loss of or damage to Contents. The cover excludes loss or damage to jewellery and valuables.

Trip Cancellation / Curtailment The insured will be compensated in event of cancellation of Trip in India prior to its commencement towards non-refundable expenses of Overseas Travel Tickets, Hotel Booking or Scheduled Tour Booking provided the cancellation is due to any of the following:
  • Death or diagnosis of Critical illness of the Insured or following immediate family members-Spouse, Children, Parents, Brother, Sister, Grand Parent, Grand Children, Parent In Law.
  • A booked common carrier outside India being delayed for at least 24 hours due to Strike, industrial action, riot, civil commotion, severe weather condition, natural disaster, hijack or mechanical breakdown of public common carrier.
  • Serious Damage to Your residence in India arising from fire, flood, earthquakes and riots.
Similarly if the insured’s trip is curtailed while abroad due to the above mentioned reasons, the same compensation is payable under the Trip Curtailment benefit.

Legal Liability Compensation against legal liability incurred by the Insured for paying damages for third party civil claims for Accidental Injury or Accidental Property Damage is provided to the insured.

General Exclusions under the Future Generali Travel Suraksha Plans:

Some of the key general exclusions are listed below, please refer to the entire list available along with your policy document.
  • Pre Existing Conditions - Benefits will not be available for any condition, ailment or injury or related condition(s) for which You have been diagnosed, received medical treatment, had signs and/ or symptoms, prior to inception of Your first Policy, until 48 consecutive months have elapsed
  • Any claim relating to events occurring before the commencement of the trip covered hereunder and any time after the completion of the trip at any port of the Country of Your Residence mentioned hereunder
  • Travelling against the advice of a Medical Practitioner; (b) receiving, or is on a waiting list to receive, specified medical treatment declared in a Medical Practitioner’s report or certificate
  • Injury or Disease directly or indirectly caused by or contributed to by nuclear weapons/materials.
  • In respect of Your travel to any country against whom the Republic of India has imposed General or special travel restrictions, or against whom it may impose such restrictions, or any country which has imposed or may impose subsequently, such restrictions against travel by a citizen of the Republic of India to such country.
  • Suicide, attempted suicide (whether sane or insane)
  • Intentionally self-inflicted injury or illness, or sexually transmitted conditions, mental or nervous disorder, anxiety stress or depression, Acquired Immune Deficiency Syndrome (AIDS),Human Immune deficiency Virus(HIV) infection.
  • Being under the influence of drugs, alcohol, or other intoxicants or hallucinogens unless properly prescribed by a physician and taken as prescribed.
  • Participation in an actual or attempted felony, riot, crime, misdemeanour, or civil commotion.
  • Operating or learning to operate any aircraft, or performing duties as a member of the crew on any aircraft.
  • Participation in skydiving/parachuting, hang gliding, bungee jumping, scuba diving, mountain climbing (where ropes or guides are customarily used), riding or diving in races or rallies using a motorized vehicle or bicycle, caving or potholing hunting or equestrian activities, skin diving or other underwater activity, rafting or canoeing involving white water rapids, yachting or boating outside coastal waters (2miles), participation in any professional sports, any bodily contact sport or any other potentially dangerous sport for which you are untrained.
  • Routine physical or other examination where there are no objective indication of impairment of normal health and medical expenses beyond the expiry of the policy period.
  • Pregnancy, resulting childbirth, miscarriage, abortion or complication arising out of any of the foregoing

Assistance and Claims Support under Future Generali Travel Insurance Plans:

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)

What are the services provided by Europ Assist?

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:
  • Arrangement of emergency medical evacuation
  • Arrangement of emergency medical repatriation
  • Arrangement of repatriation of mortal remains
  • Arrangement of emergency message transmission
  • Telephone medical advice
  • Medical service provider referral
  • Arrangement of appointment with local doctors
  • Arrangement for hospital admission
  • Guarantee of payment to hospital for medical expenses incurred during hospitalization and monitoring of medical condition
  • Dispatch of essential medicine that is not available locally
  • Arrangement of compassionate visit
  • Return arrangements for a minor
  • Claims payment and management
Travel Assistance Services provided by Europ Assist include :
  • Pre-trip information
  • Embassy referral
  • Lost luggage assistance
  • Lost passport assistance
  • Arrangement of hotel accommodation

Frequently Asked Questions for Future Generali travel plans

Travel Insurance plans take care of any contingencies (medical or non medical) that might arise during the insured's journey abroad; like sudden illnesses, misplaced passport, lost luggage etc.

There is a comprehensive Annual Multitrip (AMT) option which is an annual policy that covers the insured for a whole year irrespective of the number of trips they made during the year. This is the ideal travel insurance plan for a frequent traveller.

Yes, extensions for travel policies can be granted on all Travel and Student Plans subject to the following

  • No claims and Good health declaration from the insured in the company format.
  • Request should be received up to 7 days prior to expiry of the earlier policy period.
  • Single trip plans can be purchased initially for 6 months and later can be renewed for another 6 months
  • Student travel insurance can be purchased for one year and later be renewed for another year.
  • Please note that renewals are based on good health and no claim declaration and subject to underwriting team approval.

No, policies cannot be issued once the insured is already abroad.

Future Travel Suraksha Select plans - offers a cover for minimum of 1 day and maximum of 180 days. The policies can be extended for next 180 days subject to underwriting terms and conditions. Future Student Suraksha offers a cover for minimum of 30 days and maximum of 2 years. The policy can be extended only once, provided the maximum trip duration inclusive of any extension shall not exceed 730 days including extensions

No, pre existing conditions are not covered under any of the plans under the policy.

No medical tests/examinations are required to purchase a travel insurance policy through Future Generali. However, for Future Travel Suraksha Superior Care plan - Proposal with age of 71 years to 80 years, medical tests are required.

Yes, sublimits are applicable for all insureds above the age of 56 years who are travelling.

No, it is not mandatory except for certain countries like Schengen Countries in Europe, Australia, UAE. It is however preferable to avail travel insurance for any duration and destination to avoid unforeseen expenses.

Yes, cashless treatment is available for inpatient medical treatment arising out of an accident or sickness. There is a compulsory deductible (insured's) contribution to a claim) payable on every accident or sickness claim.

Yes, cashless treatment is available for inpatient medical treatment arising out of an accident or sickness. There is a compulsory deductible (insured's) contribution to a claim) payable on every accident or sickness claim.

Yes, cashless treatment is available for inpatient medical treatment arising out of an accident or sickness. There is a compulsory deductible (insured's) contribution to a claim) payable on every accident or sickness claim.

Future Generali's Assistance Partner Europ Assist has a worldwide network of hospitals for the insured's treatment should the need arise.

Yes, the Future Suraksha Asia Plan has an option for buying a single policy covering the entire family. A family of insured, spouse and two children upto the age of 25 years can ben covered under the Family plan.

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