Future Generali Travel Insurance

Taking a break from the monotony of life is something that people wish all their lives. Future Generali Travel Insurance proposes a comprehensive cover that can take care of all your needs. Lost baggage, missed flights and commonly faced issues while traveling can be quickly dealt with when you have owned travel insurance.

Types of Future Generali Travel Insurance

• Student Travel Insurance

• Overseas Travel Insurance

Future Generali Student Travel Insurance

Key Benefits of Future Generali Student Travel Insurance

• You'll remain covered regardless of where you are traveling.

• You can enjoy an all-inclusive coverage and round the clock assistance when you're traveling overseas.

• You can get full coverage including the medical and hospital costs, delay/ damage/loss of your luggage and loss of essential documents like the passport.

• Future Generali claims of a global service network that can be reached 24x7

• Costs incurred for medical tests are compensated if there's no adversarial health statement from your physician on your proposal form. If there is such a health problem mentioned in the form, half of the total expenses are refunded if you own a Future Generali Student Travel Insurance.

FG Student Travel Insurance Policy Covers

• Covers medical and hospital costs incurred due to accident or illness while traveling.

• This plan covers you financially against accidental death and permanent or temporary disability.

• When there's loss or theft of Passport or any other essential documents, you'll be compensated for the costs involved in availing a provisional or duplicate documents in the foreign country.

• In case of accidental demise or permanent incapacitation of your sponsor, your outstanding tuition fees are covered by the company.

• If there's a delay in receiving the luggage, the insurer will be compensating for the cost incurred for purchasing emergency personal belongings while you were traveling. If the luggage is stolen or lost, you'll be paid till the estimated upper limit.

• Your unutilized tuition fees are refunded if you suffer from any conditions which prevent you from continuing your education.

Future Generali Student Travel Insurance Exclusions

• Illnesses and health issues which existed before purchasing this insurance.

• When the student is hospitalized due to injuries and is found to be under the influence of drugs, alcohol or any intoxicants or hallucinogens without a valid prescription from a doctor.

• If the injuries are self-inflicted (this include suicide/attempt to suicide)

• Sexually transmitted diseases

Future Generali Overseas Travel Insurance

Primary Features & Benefits of Future Generali Overseas Travel Insurance Policy

• You are entirely protected through this policy and can avail 24x7 assistance

• You can avail a comprehensive coverage for unexpected medical and hospital bills, inconvenience due to delay, damage/loss of luggage, loss/theft of important documents such as a passport.

• This policy offers unique plans which are tailor-made for traveling to Asian nations (except Japan and Korea) and Schengen nations.

• Floater benefits imply that you and your loved ones can avail coverage with a single assured amount, that is applicable while traveling in Asia or  Europe.

• Exclusive benefits for the travelers aged 71-80 covers international support in providing service along with the cost of hospitalization.

What is Europ Assist?

Europ Assist is a special feature provided by the Future Generali Travel Insurance. The features of Europ Assist are described below:

• Global Emergency Assistance

• Emergency medical eviction or transporting the remains of the deceased

• Transmitting an emergency message

• Offering Medical advice/help via phone or hospital referral or admitting in the hospital if required

• Taking appointment with doctors

• Assurance of shelling out medical costs incurred due to hospitalization

• Dispatching emergency medicine if it's not accessible

• Arranging visits (fares of a roundtrip)

• Travel Support in Europe:

• Complete itinerary information before your journey

• Embassy Appointment

• Help if the baggage is lost/delayed

• Arranging the accommodation

Future Generali Overseas Travel Insurance Policy Covers

• Entire hospital, medical and aftercare expenses incurred due to disease or accident while traveling are taken care through this scheme.

• If there is a delay in your baggage or if its lost or stolen, you'll be paid up to an already specified upper limit amount. Either amount for your temporary expenses will be paid out or your belongings will be duly compensated.

• You can claim the compensation amount for the costs incurred while procuring duplicate passport abroad if your passport is stolen or lost.

• You get indemnification against accidental demise or the permanent or complete disability while you are traveling.

Future Generali Overseas Travel Insurance Policy Exclusions

• Cosmetic surgery isn't covered under this policy. However, plastic surgery undergone due to a severe accident is covered.

• Pre-existing medical conditions aren't covered (except for life-threatening circumstances)

• The policy doesn't cover injuries inflicted while participating in dangerous adventure sports.

• This policy doesn't cover damages caused by terrorist activities

• If you don't report the loss of travel documents such as your passport to the local authorities within 24 hours, the company won't provide cover for the loss incurred. Similarly, if your travel documents are left unattended in a public place, you won't receive the claim amount

• Coverage is not provided for partial loss of items that were inside the checked-in luggage.

• If the insured person is pregnant while traveling and any complications arise while traveling.

• If the passport of insurance holder is lost or damaged due to confiscating or detaining by any law enforcement agency.

• Loss/Damages which aren't informed to the authorities within a day of losing the items

• Damages/loss due to war or war-like activities

Future Generali Travel Insurance Claim Process

Cashless Claim Process

• Medical Emergency/ Hospitalization

• Approach a Medical Practitioner or a Hospital and show your Future Generali Travel Insurance Card

• Inform ‘Europ Assistance’ if it's applicable

• Settle the bill directly with the insurance provider

Claim Procedure for Refund

• Report the claim to initiate the claim

• Submit necessary documents after reaching India

• Wait for verification

• Future Generali will settle the sum with the claimant

Future Generali Travel Insurance Policy FAQs

Why should I have a Travel Insurance?

Traveling to foreign countries on a vacation or business tour for unwinding amidst the scenic highlands or seaside travel insurance is everyone's dream. However, making the trip stressfree with travel insurance has immense importance. Being stranded in a foreign land under emergencies can get very difficult. It is important to protect you from the risk of a monetary crisis which may arise due to unforeseen events.

How can I select the best available travel insurance?

Travel insurance coverage, features and perks of travel insurance, exclusions, inclusions, rates and duration are generally the deciding factors for getting a travel insurance. Are you a frequent traveler? If you travel regularly, annual insurance will work best for you.

What are the parameters that I must keep in mind while buying travel insurance?

You should look into the following factors while deciding travel insurance:

• Medical coverage and evacuation

• Personal accident

• Loss/Damage of documents

• Cancellation/Delay of the trip

• Emergency financial help

• Legal costs incurred

Is it plausible to prolong my stay and still enjoy the benefits of my Future Generali Travel Insurance?

Yes. You can enjoy the benefits of FG travel insurance even if you prolong your vacation. You can use the Future Generali travel insurance extension feature.