Future Generali Travel Insurance
Future Generali Travel Insurance
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Future Generali Travel Insurance

Future Generali India Insurance Company Limited is a brainchild of Future Group, the giant in the Retail Trade Industry of India, and Generali, the mammoth for the past 189 years. Future Generali India Insurance Company offers various insurance-related trustworthy products like Motor Insurance, Health Insurance, Travel Insurance, Home Insurance, Personal Accident, Lifestyle Insurance, Commercial Insurance, Social/Rural Insurance, and PMFBY. This company has bagged numerous awards and accolades for the different services that it offers.

One of their key products is Future Generali Travel Insurance that offers different services not only for domestic travelers but for globetrotters, providing coverage against medical expenses, accidental death, loss of passport, and many more.

Features of Future Generali Travel Insurance

Few pivotal features of this travel insurance are mentioned as follows:-

  • Even for single unforeseen damage, you can claim compensation that comes under the policy.
  • They have different plans for domestic travelers and you can choose according to your convenience.
  • A cashless claim settlement can also be done with this company.
  • It provides worldwide emergency assistance services.

What are the Different Types of Future Generali Travel Insurance Plans?

The company offers four types of travel insurance plans and they are:-

  • Schengen & Worldwide Travel Insurance

  • Overseas Travel Insurance

  • International Student Travel Insurance

  • Shubh Yatra

Let's deal with them one-by-one for a better understanding.

1. Schengen & Worldwide Travel Insurance

It is specially designed for the consumers traveling to Europe with a Schengen Visa, be it for leisure purposes or business purposes. It provides you the right coverage for any unanticipated event like medical treatments, loss of baggage, duplicate passport, and many more to make your travel worry-free. Individuals between the ages of 18-70 years can buy this plan. 

Features:

  • Medical expenses due to accidents or illnesses are covered.
  • Any personal purchase that occurred due to the delay of the arrival of the checked-in baggage will be compensated by the company.
  • Loss of checked-in baggage will be covered as per the company's policy.
  • Worldwide coverage against accidental death and permanent total disablement while you're abroad.
  • Compensation will be provided as per the company's policy for the trip cancellation, trip delay, trip curtailment, hijack, and missed connection.

2. Overseas Travel Insurance

While venturing out the world, if any unpredictable peril (such as sudden illness, misplaced passport, lost luggage, etc.) arrives, this policy takes care of it to make your journey smooth. Individuals between the ages of 18-70 years (adults) and 71-80 years (senior citizens) can buy this policy. 

Features:

  • Medical expenses due to accidents or illnesses are covered by the plan.
  • Loss of checked-in baggage will be taken care of by the company (as per its policy).
  • Due to the delay in the arrival of checked-in baggage, if you need to make some emergency personal purchases, it will be compensated according to the rule of the plan.
  • For getting a duplicate passport abroad, the right compensation will be provided.

3. International Student Travel Insurance

With Future Student Suraksha, a two-year plan, a student can fight against the uncertain odds that may come his/her way while studying abroad. This beneficial plan covers a wide array of services like medical expenses, tuition fees, sponsor protection, and many more. Individuals between the ages of 18-35 years can buy this policy. 

Features:

  • It provides compensation for unused tuition fees on several grounds (according to the policy).
  • Medical expenses due to accidents or sickness are fully covered.
  • In case of accidental demise or permanent disablement of your sponsor, the company compensates the tuition fees for the rest of the period with some conditions.
  • Accidental demise or permanent total disablement will be reimbursed worldwide while you are abroad.
  • The company takes care of the expenses for obtaining a duplicate or temporary passport.

4. Shubh Yatra

It is a domestic travel insurance product that offers travelers coverage for any unpredictable odds like loss of baggage, loss of tickets, delay of flights, etc. while traveling within India, be it for business purposes or vacations. Individuals between the ages of 1-70 years can buy this policy. 

Features:

  • It provides compensation for accidental demise, permanent total or partial disablement while traveling within India.
  • Compensation is provided for the loss or replacement of the contents of checked-in baggage.
  • Reimbursement is offered against trip cancellation, trip delay, trip curtailment, and missed connections.
  • The cost of medical evacuation and repatriation will be covered as per the policy schedule.
  • Expenses arising out of injuries/death of the insured due to adventure sports (in the vacation plan) are compensated. 

How Can I Buy Future Generali Travel Insurance?

The procedure for buying Future Generali Travel Insurance is very simple and easy. Let's have a look.

  • Go to the official website of Future Generali.
  • At the top of the homepage, you will find the 'Buy' option.
  • Select 'Worldwide Travel' or 'Student Travel' under the option 'Travel Insurance'.
  • Fill up the form with the necessary information and submit.
  • Make the premium payment. The policy details will be shared on your registered email id.

Other travel plans are not available online. You can visit the nearest Future Generali branch to buy them. 

How Can I Make A Claim For Future Generali Travel Insurance?

Follow the below-mentioned steps to file a travel insurance claim. 

  • Go to the official website of Future Generali.
  • On the Homepage, you can find the 'Claims' option.
  • From there, select 'Report a Travel Claim'.
  • Upon clicking the option, you will get a form. Fill the form and submit.
  • You will be contacted by the team soon.

You can also initiate your claim by contacting Future Generali via call (1800 103 8889/1800 209 1016) or email (fgh[at]futuregenerali[dot]in/fgh[dot]travel[at]futuregenerali[dot]in). Their team will connect with you and explain further steps.

Future Generali Travel Insurance : FAQ's

1. What are the exclusions of Shubh Yatra?

Some of the exclusions are listed below:

  • Accident at home when the insured is there.
  • Intentional self-injury.
  • Pregnancy, childbirth, miscarriage, and abortion.
  • Any claim beyond the maximum duration of the trip.

2. What are the exclusions of Overseas Travel Insurance?

Some of them are:

  • Pre-existing diseases and complications arising from them.
  • Pregnancy, childbirth, miscarriage, and abortion.
  • Loss of things if not reported within 24 hours to the appropriate police authority.
  • Mental disorder, anxiety, self-injury, suicide, suicidal attempt.

3. Is there a single trip policy for domestic travel?

Yes, there is an annual multi-trip policy and a single trip policy.

4. What's the minimum cover under Future Generali Travel Insurance?

Plan Name

Minimum Cover

Schengen

30,000 Euros

Asia

25,000 USD

World

50,000 USD

Student Suraksha

25,000 USD for Asia plan (excluding Japan)

50,000 USD for World plan

Last updated on 19-11-2020