Future Generali Personal Accident Plan 2024 Benefits, Features, Renew Details Reviews

Future Generali Personal Accident Plan 2024: Want to stay protected if there’s an accident? Future Generali has a plan for you! If you get hurt in a car or motorcycle accident, our plan covers your injuries and medical costs. We’re known for great customer service, so if something goes wrong, we’re here to help. Interested? Go to our website now and get a quote for free!

Future Generali is an insurance company. It’s a partnership between Future Group of Industries, a big Indian company, and Generali Group, a top Italian company. They started working together in 2007. Generali Group is Italy’s biggest insurance company and one of the largest in Europe. They offer many types of insurance to all kinds of people.

Future Generali Personal Accident Plan 2024

If you’re looking for suggestions related to the “Future Generali Personal Accident Plan 2024” or any other insurance-related matters, here are a few suggestions:

  1. Research Online: Visit the official Future Generali website to learn more about their Personal Accident Plan for 2024. They usually provide detailed information about the coverage, benefits, and terms of their plans.
  2. Contact Customer Service: Reach out to Future Generali’s customer service through their official helpline or email. They can provide personalized information and answer any specific questions you might have about the plan.
  3. Compare Plans: Compare the 2024 Personal Accident Plan with their previous offerings, as well as with plans from other insurance providers. This will help you understand the differences and determine which plan suits your needs best.
  4. Read Reviews: Look for customer reviews or testimonials about Future Generali’s insurance plans, including the Personal Accident Plan for 2024. This can give you insights into other people’s experiences with the company and their policies.
  5. Consult an Expert: If you’re still unsure, consider consulting with a financial advisor or insurance expert. They can provide you with professional advice based on your individual circumstances and needs.
  6. Understand Coverage: Make sure to thoroughly understand what the plan covers, including the types of accidents and injuries it provides protection for. Pay attention to any exclusions or limitations as well.
  7. Evaluate Costs: Compare the cost of the 2024 Personal Accident Plan with the benefits it offers. Make sure the premium is reasonable for the coverage provided.
  8. Read Terms and Conditions: Before making any decisions, carefully read the terms and conditions of the plan. Understand the claim process, waiting periods, and any other important details.
  9. Consider Your Lifestyle: Think about your daily activities, work, and hobbies. Choose a plan that aligns with your lifestyle and potential risks.
  10. Take Your Time: Don’t rush into a decision. Take the time to gather information, ask questions, and make an informed choice that suits your needs and budget.

Remember that insurance plans can be complex, so it’s important to make an educated decision. If you have any specific questions or concerns about the “Future Generali Personal Accident Plan 2024,” don’t hesitate to reach out to the company directly.

Future Generali Personal Accident Plan Details 2024

Future Generali Personal Accident Plan Details 2024
Name Of Article Future Generali Personal Accident Plan
Future Generali Personal Accident Plan Click Here
Category Accident plan
Official Website Click Also

What is Personal Accident Insurance 2024?

Personal Accident Insurance, also known as Accidental Death and Dismemberment (AD&D) insurance, is a type of insurance coverage that provides financial protection in the event of accidents resulting in injuries, disabilities, or death. It is designed to provide support to individuals and their families during unforeseen accidents that can have serious financial consequences.

Here are the key features and benefits of Personal Accident Insurance:

  1. Accidental Death Benefit: If the insured person dies due to an accident, the policy pays a lump sum amount, known as the accidental death benefit, to the designated beneficiaries.
  2. Dismemberment Benefit: If the insured person suffers the loss of certain body parts (such as limbs, eyes, or fingers) due to an accident, the policy pays a benefit based on the severity of the loss.
  3. Permanent Total Disability Benefit: If the insured person becomes permanently disabled due to an accident and is unable to work or perform their usual activities, the policy may provide a lump sum payment.
  4. Medical Expenses Coverage: Personal Accident Insurance may also cover medical expenses incurred due to accidental injuries, including hospitalization, surgery, and other medical treatments.
  5. Temporary Total Disability Benefit: In case the insured person is temporarily unable to work due to accident-related injuries, the policy might provide a regular income replacement during the recovery period.
  6. Funeral Expenses: The policy might cover a portion of funeral and burial expenses in the event of the insured person’s accidental death.
  7. 24/7 Coverage: Personal Accident Insurance typically offers coverage around the clock, regardless of the location or cause of the accident.

It’s important to note that Personal Accident Insurance specifically covers accidents and injuries. It does not provide coverage for illnesses or natural causes of death. Additionally, coverage limits, exclusions, and terms can vary from one policy to another, so it’s essential to thoroughly read and understand the policy documents before purchasing.

Why Personal Accident Insurance 2024?

Personal Accident Insurance is worth considering for several reasons:

  1. Financial Protection: Accidents can lead to unexpected medical expenses, loss of income, and other financial burdens. Personal Accident Insurance provides a financial safety net by offering coverage for medical costs, disability benefits, and even accidental death benefits.
  2. Comprehensive Coverage: This type of insurance covers a wide range of accident-related situations, including injuries sustained at home, work, while traveling, or participating in recreational activities. It offers a versatile coverage that can benefit individuals in various circumstances.
  3. Supplement to Health Insurance: While health insurance covers medical expenses, it might not cover all accident-related costs. Personal Accident Insurance can fill in the gaps by covering expenses such as ambulance services, specific treatments, and recovery-related costs.
  4. Disability Support: Accidents can lead to temporary or permanent disabilities that can impact an individual’s ability to work and earn income. Personal Accident Insurance can provide disability benefits to replace lost income during recovery periods.
  5. Peace of Mind: Knowing that you and your family are financially protected in case of accidents can provide peace of mind. It’s especially important if you have dependents who rely on your income.
  6. Affordability: Personal Accident Insurance tends to be more affordable compared to other types of insurance policies. The relatively low premiums make it accessible to a wide range of individuals.
  7. No Medical Checkup (in Some Cases): Many Personal Accident Insurance plans do not require a medical checkup before purchasing. This makes it easier to obtain coverage, especially for those with pre-existing health conditions.
  8. Global Coverage: Personal Accident Insurance often provides coverage worldwide, which can be beneficial for individuals who travel frequently for work or leisure.
  9. Flexibility: Policies can be tailored to suit your specific needs. You can choose the coverage amount and additional benefits that match your lifestyle and risk profile.
  10. Quick Claims Process: The claims process for Personal Accident Insurance is usually straightforward and quick, ensuring that you receive the benefits promptly when needed.
  11. Covers Accidental Death and Disability: Accidental death and disability can have profound effects on you and your family’s future. This insurance helps alleviate financial strains during such challenging times.

It’s important to carefully review policy terms, coverage limits, exclusions, and benefits before purchasing Personal Accident Insurance. Assess your personal circumstances, risk factors, and financial needs to determine whether this type of insurance aligns with your priorities and offers the protection you require.

Personal Accident Insurance plans offered by Future Generali 2024

Just like most people, you might worry about accidents happening. It’s easy to think about it, but it’s tougher when it actually happens. That’s why having personal accident insurance is a good idea. And that’s where Future Generali can help. We have different insurance plans that fit different needs and budgets. If something goes wrong, we’ll be here to assist you. Are you ready to start? Let us help you get insurance today!

The company has a type of insurance called Accident Suraksha. Let’s learn more about Future Generali’s accident insurance.

Future Generali Personal Accident Insurance Plan – Accident Suraksha 2024

The Future Generali’s Generali Passenger Accident Insurance safeguards the insured and their families in different accident scenarios. These situations might lead to small or serious injuries, disabilities, or even death. These plans aim to offer financial safety and stability to the insured and their families if an unexpected accident occurs.

The Scope of Coverage of the Future Generali Personal Accident Insurance Plan – Accident Suraksha 2024:

  • Permanent Total Disability Benefit [PTD]: A lump sum payment is given based on the policy’s schedule when the insured is fully and permanently disabled due to an accident.
  • Permanent Partial Disability Benefit [PPD]: If the insured has permanent partial disability due to an accident, a lump sum is paid as per the policy schedule.
  • Accidental Death Benefit [AD]: If the insured dies in an accident, a lump sum payment is provided.
  • Temporary Total Disability Benefit: The insured receives a weekly benefit to cover lost income due to temporary total disability from an accident.
  • Repatriation Benefits and Funeral Expenses: Plans include repatriation of ashes and cremation or burial expenses. This coverage is included in the plan.

Additional Benefits in Future Generali Personal Accident Insurance Plan – Accident Suraksha

If you choose to pay an additional insurance premium along with your accident insurance, you can receive the following compensations:

  1. Child Care Support
  2. Family Transportation Benefits – Future Generali will reimburse the cost of transporting a close relative to the hospital if a claim is successful for accidental death or permanent total disability. The actual transportation costs will be reimbursed up to 10% of the insured amount, with a maximum of Rs 50,000.
  3. Loan Protection – In the event of accidental death or permanent disability, Future Generali provides a lump sum payment. Benefits are also paid for each completed month of accidental hospitalization, up to the maximum specified in the plan.
  4. Adjustment Allowance – If modifying your vehicle or making changes to your home becomes necessary due to a permanent total disability caused by a covered accident, Future Generali will reimburse such costs. This reimbursement is capped at 10% of the main insurance amount, up to a maximum of Rs 50,000.
  5. Accident Hospitalization (Hospitalization) – Covers hospitalization costs incurred by the insured for hospital treatment following an accident.
  6. Injury Medical Expenses – Covers medical expenses incurred when the insured is hospitalized due to an accident.
  7. Hospitalization Benefits – If the insured is hospitalized due to an accident, hospitalization benefits can be claimed.


  • The plan is available for individuals aged 18 to 70.
  • Children aged 5 to 25 can be insured if at least one of their guardians is insured.
  • The plan has a duration of one year.


There are certain factors that are not covered under personal injury protection. The exclusions include:

  1. Suicide, attempted suicide, intentional self-harm, mental disorders, anxiety, stress, depression, nervousness, sexually transmitted diseases, alcoholism, addiction, or substance abuse.
  2. Occupations involving physical risk or danger, exposure to unnecessary risks (except when attempting to save lives), or involvement in criminal or illegal activities.
  3. Pregnancy complications arising from childbirth, miscarriage, abortion, or any related conditions.
  4. War, acts of war, aggression, foreign hostilities, military operations, civil war, national defense, insurrection, riots, military actions, chemical, radioactive, or nuclear contamination.
  5. Participation in naval, military, or air force operations, racing, diving, aviation, scuba diving, parachuting, hang gliding, rock climbing, or engaging in criminal activities.
  6. Intentional violations of the law.
  7. Abuse of intoxicants and psychedelics, including drugs and alcohol.

Percentage of Sum Insured 2024

The table below provides a clear breakdown of the percentage of the Sum Insured that will be reimbursed for various accidental events:

Percentage of Sum Insured 2024
Event Percentage of Sum Insured
Accidental Death 100%
Permanent Total Disablement 100%
Permanent Total Loss of sight of both eyes 100%
Permanent Loss of sight of one eye and physical separation of or the loss of ability to use one hand and one foot 100%
Permanent Total Loss and physical separation of or the loss of ability to use both hands or both feet 100%
Permanent Total Loss and physical
separation of or the loss of ability to
use one hand and one foot
Permanent Partial Disablement: As follows
An arm at the shoulder joint 75%
An arm above the elbow joint 70%
A hand at the wrist 50%
An arm beneath the elbow joint 60%
A thumb 25%
An index finger 10%
Any other finger 5%
A leg above mid-thigh 75%
A leg up to mid thigh 60%
A leg up to beneath the knee 50%
A leg up to mid-calf 45%
A foot at the ankle 40%
A large toe 5%
Any other toe 2%
Permanent Loss of sight of one eye 50%
Hearing of one ear 25%
Hearing of both ears 75%
Sense of smell 10%
Sense of taste 5%
Shortening of leg by at least 5% 7%
Temporary Total Disablement 1 % (per week upto a maximum of 100 weeks or as mentioned in the schedule)

Premium Calculator

Future Generali provides a feature that allows potential customers interested in buying accident insurance to calculate their premiums. Here are some instances where premiums were computed using the company’s calculator:

  1. Individual A is interested in getting a basic personal accident insurance policy valued at Rs. 5 million. The yearly premium for this coverage is just 355 rupees.
  2. Mr. B intends to secure a plan for both himself and his newlywed wife. He proposed taking out a basic personal accident insurance policy worth a total of Rs. 100,000. The premium for their Personal Injury Premium Insurance Plan is Rs. 713.
  3. Mr. C requires basic accident insurance that covers his family, including himself, his wife, and his two children. The coverage amount is Rs. 25 lakhs, and the calculated premium amounts to Rs. 1642.
Applicant Number of members covered Sum Assured (Rs.) Premium (with taxes) (Rs.)
A 1 5 lakhs 355
B 2 10 lakhs 713
C 4 25 lakhs 1642

Asking Future Generali for Personal Accident Insurance Policies 2024

Looking for complete protection whenever you’re out and about? If your answer is yes, it’s time to consider getting personal accident insurance from Future Generali. Our policies offer extensive coverage for you and your loved ones, ensuring you’re protected no matter what comes your way. Whether you’re taking a leisurely stroll or participating in a marathon, our policies have you covered. Ready to start? Let’s explore some of the benefits we provide!

You can easily apply for Future Generali Passenger Accident Insurance through various methods. Individuals interested in availing Personal Accident Insurance from Future Generali have the following options:

  1. Sign up on our website to receive personalized recommendations for suitable health insurance plans.
  2. Call our sales hotline and speak with a customer service representative to choose one of the personal accident insurance plans.
  3. Chat online with a customer service representative about your health insurance plan between 9 am and 6 pm, Monday through Friday.
  4. Request a call back by leaving your name, mobile number, and email ID on our website.
  5. Visit our company office or get in touch with an agent to purchase the plan that meets your needs.