Future Generali Accident Suraksha Plan 2024, Benefits, Features, Buy & Renew Details, Reviews

Future Generali Accident Suraksha Plan – Are you worried about your family’s safety in the event of an accident? Future Generali offers a comprehensive accident insurance plan that can help protect you and your loved ones. In this blog post, we’ll explain the Future Generali Accident Suraksha Plan 2024 and how it can benefit you and your family. We will cover everything from the benefits of the plan to the types of accidents it covers. We’ll also provide information on how to apply for the plan and what you need to know in order to make

The Future Generali Individual Mishap Plan called ‘Mishap Suraksha’ is a family floater individual mishap plan and accommodates you as well as your relatives to meet your clinical costs in the event of any lamentable mishap. The quantity of mishaps are expanding step by step and the expense of clinical treatment has additionally gone high, treating incidental wounds has become costlier nowadays. Along these lines, to give you help and diminish your monetary weight, Future Generali has concocted this appealing health care coverage plan which gives inclusion to inability and passing brought about unintentionally. You don’t need to go through clinical trial to partake in the advantages of this arrangement.

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Future Generali Accident Suraksha Plan 2024

Are you worried about the future? Worried about a healthcare crisis that could impact your personal life? Well, you’re not alone. In this blog post, we’ll explore the Future Generali Accident Suraksha Plan 2024 and what it means for you and your family. We’ll take a look at the plan’s key features, discuss its potential implications for you and your loved ones, and offer tips on how to prepare for a potential healthcare crisis. So whether you’re concerned about the future of healthcare or just want to be prepared for anything, this blog is for you.

Mishaps can happen to anybody anyplace. They come unasked for and leave an “engrave” on lives long into the future. The Worth of Human Existence and Sufferings can’t be estimated with cash, yet so as to give a help to the harmed individual or his relatives in case of a sad mishap, a protection cover, known as “Mishap Suraksha” is planned. Nobody has seen tomorrow and the most ideal way to persevere through the difficulties ahead is by defending yourself and your friends and family now. Purchasing Future Generali’s Mishap Suraksha Insurance Contract will assist you with easing the seriousness of unexpected mishaps and remain monetarily strong even in the hours of pain.

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Future Generali Accident Suraksha Plan

Future Generali Accident Suraksha Plan 2024 Details

Name Of ArticleFuture Generali Accident Suraksha Plan
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Highlights of the Future Generali Accident Suraksha Plan 2024

Looking to protect yourself and your loved ones in the event of an accident? Generali has released its new Future Generali Accident Suraksha Plan, which offers comprehensive protection for those impacted by a major accident.

The plan includes coverage for medical expenses, income replacement, and loss of income. It also provides coverage for property damage, personal injury, and death. Whether you’re a business owner or a family member impacted by a major accident, this plan is a valuable resource that can help you get the support you need to recover

Benefits of Future Generali Accident Suraksha Plan

  • This is an Individual Mishap strategy which has both Essential and Extra covers in the arrangement.
  • The arrangement can likewise be taken for family which incorporates self, life partner and ward youngsters.
  • The Essential covers give inclusion against death, extremely durable absolute disablement and long-lasting halfway disablement and transitory all out disablement. The demise and disablement ought to happen because of a mishap.
  • Extra cover gives inclusion to bringing home advantage and burial service costs which are inbuilt in the arrangement.
  • The policyholder could likewise look over a range of discretionary inclusion choices by paying an extra premium. Such elements incorporate kid training support, life support benefit, unplanned hospitalization, inadvertent clinical costs, clinic cash stipend, credit defender, variation recompense and family transport remittance.
  • The arrangement is inexhaustible long lasting
  • The proposer’s gamble class is sorted in view of his occupation. Specialists, legal advisors, educators, bookkeepers or people participated in regulatory and stationary positions go under Class I. developers, workers for hire, administrative architects and all people participated in physical work fall under Class II.
  • People involved in dangerous occupations like diggers, jockeys, sports teachers, carnival work force, and so forth fall under Chance Class III.
  • Subordinate youngsters can be covered from 5 years to 25 years.

Check Also-Bharti AXA Personal Accident Plan 

Working of the Future Generali Accident Suraksha Plan

Are you looking for a comprehensive insurance plan that will cover all your personal and business needs? Look no further than the Generali Accident Suraksha Plan! This plan offers a range of benefits that are perfect for anyone, from entrepreneurs to small business owners. We’ll discuss some of the key features of the plan and how they can benefit you. We’ll also discuss how to get started and find the right policy for your needs. So if you’re looking for an insurance plan that will help you protect your business and your loved ones, look no further than the Generali Accident Suraksha Plan!

The Sum Assured depends on the individual’s risk class, income and the coverage opted. It is expressed as a factor of the monthly income. The Sum Assured factors available under the plan are as follows:

Coverage optionClass IClass IIRisk Class III
Accidental Death14412096
Permanent Total Disablement726048
Permanent Partial Disablement363624
Temporary Total Disablement24 to a maximum of Rs.10 lakhs24 to a maximum of Rs.5 lakhsNA

Advantages Of Future Generali Accident Suraksha Plan

  • For Non-working life partner, the Aggregate Guaranteed is half of the essential safeguarded up to Rs.10 lakhs with a Transitory Complete Disablement of Rs.1 lakh.
  • For subordinate youngsters the Aggregate Guaranteed is 25% of the essential protected up to Rs.5 lakhs without Impermanent Complete Disablement
  • For people matured over 70 years, in the event that the strategy is recharged persistently, the Total Guaranteed is as per the following:
  • Ages 71-75 years – half of the previously mentioned elements to a limit of Rs.25 lakhs
  • Ages 76-80 years – 25% of the previously mentioned elements to a limit of Rs.10 lakhs
  • Ages 80 years or more – limit of Rs.5 lakhs
  • For people not utilized matured 71-80 years greatest Aggregate Guaranteed would be Rs.5 lakhs and Rs.2.5 lakhs for higher ages.
  • The premium is then resolved in view of the inclusion choices and the Total Guaranteed.
  • On any possibility, the pay would be paid relying upon the idea of the injury and the inclusion profited.
  • Advantages and Highlights of Future Generali Mishap Suraksha Plan.

Read More-Raheja QBE Personal Accident Plan 

Compensation Benefit

Depending on the nature of the injury sustained as a result of the accident and the Sum Assured selected by the policyholder, compensation is paid to the insured or his nominee, as the case may be. According to the nature of the injury, the benefits payable are shown in the table as a percentage of the Sum Assured:

Nature of injury/lossCompensation payable (as a % of Sum Assured)
Accidental Death100%
Permanent Total Disablement100%
Permanent loss of sight of both eyes100%
Loss of sight of one eye and loss of one limb100%
Loss of both limbs100%
Loss of one hand and one foot100%
Permanent Partial Disablement
Arm at shoulder joint75%
Arm above elbow joint70%
Hand at the wrist50%
Arm beneath elbow joint60%
Loss of thumb25%
Loss of index finger10%
Loss of any other finger5%
Loss of leg above mid-thigh75%
Loss of leg up to mid-thigh60%
Loss of leg up to beneath the knee50%
Loss of leg up to mid-calf45%
A foot at the ankle40%
A large toe5%
Any other toe2%
Permanent loss of sight in one eye50%
Hearing in one ear25%
Hearing in both ears75%
Sense of smell10%
Sense of taste5%
Shortening of legs by a minimum of 5%7%
Temporary Total Disablement1% per week for a maximum of 100 weeks.

Eligibility Criteria of Future Generali Accident Suraksha Plan

Are you looking to avail the benefits of Generali Accident Suraksha Plan? If so, you may be wondering which members are eligible for the plan. In this blog post, we will discuss the eligibility criteria of the plan and share some tips on how to determine if you’re eligible. We will also provide a list of the benefits of being a member of the plan, as well as some tips on how to make the most of its provisions. So whether you’re looking to protect yourself from accidents or simply take advantage of valuable benefits, this blog post is for you.

The plan can be bought only by Resident Indians. The other eligibility criteria of the plan includes:

MinimumMaximum
Entry age (Last Birthday) of the insured5 years70 years
Entry age (Last Birthday) of the proposer18 years70 years
Plan tenure12 months or 1 years
Premium payableDepends on the Sum Assured and coverage option selected.
Premium payment modeAnnually

Also Read-Reliance General Personal Accident Plan 

Additional Benefits of Future Generali Accident Suraksha Plan

  • Rebates on premiums: If family members are covered, the premium can be reduced by 10%.
  • Free Look Period: After the policy is issued, the policyholder has a 15-day cooling off period or free look period to review the terms and conditions. The plan can be canceled within this time frame if it is found to be unsatisfactory, and the premium paid will be refunded after deducting the applicable mortality charge, service tax, cess, and stamp duty.
  • Plan cancellation: With a 15-day notice, either the insured or the insurer can cancel the policy. After taking into account the pro-rated amount of coverage, the premium would be refunded to the policyholder in the event of cancellation. The length of time the risk was covered by the policy would determine how much of the premium would be retained. The table below indicates the rate of retained premium for each risk period. Refund of the remaining premium is made.
Period of risk the policy coveredPremium refunded
Up to 1 month20% of the annual premium
Up to 3 months40% of the annual premium
Up to 6 months75% of the annual premium
Up to 9 months90% of the annual premium

Premium Rate

  • The premium under the plan would depend on the Sum Assured and the nature of the injury sustained. Here is the table showing the applicable premium rates:
Cover OptionCategory
NormalHeavyVery Heavy
Accidental Death0.400.600.90
Permanent Total Disablement0.10.200.35
Permanent Partial Disablement0.250.450.75
Temporary Total Disablement0.50.75NA
Child Education Support0.50.81.25
Life Support Benefit0.10.20.35
Accidental Hospitalization1.523
Accidental Medical Expenses20% loading on premium of primary coversloading on premium of primary covers 20%20% loading on premium of primary covers
Hospital Cash AllowanceRs.300  300Rs.300
Loan protector22.84.25
Adaptation Allowance0.70.750.8
Family Transportation Allowance00.30.30.3

Exclusions in Future Generali Accident Suraksha Plan

  • Alcohol or drug abuse, hazardous sports and activities, criminal acts, war, commotion, consequential loss, pregnancy and related causes, defense-related operations,
  • curative treatments, aviation, radioactive contamination, STD or HIV, and suicide or self-inflicted injury are also excluded.
  • Disability that existed prior to purchasing the policy would also be excluded.

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