Travel Insurance 134 views July 13, 2021

Future Generali Overseas Travel Insurance

Future Generali Overseas Travel Insurance could suit individuals looking for protection during their trip worldwide. By choosing this plan, individuals can get coverage against the contingencies that might happen during the journey. It can be a sudden illness, loss of passport or luggage, etc.

We are showing the key features of this plan mentioned below that you should check before going to the next section.

  1. Flexible Sum Insured Options
  2. Medical Expenses Cover
  3. Coverage against loss of baggage
  4. Emergency expenses due to delay in the arrival of the checked-in baggage
  5. Compensation in case of passport loss
  6. Personal Accident Cover
  7. No pre-acceptance medical tests for individuals up to 70 years
  8. Cashless Claims Settlement
  9. Child Escort Benefit
  10. Worldwide Service Provider

On this page, we will talk about these features extensively so that you can understand the plan better. Let’s start without any further delay.

Let’s Understand the Features and Benefits of Future Generali Overseas Travel Insurance in Detail

We have discussed the features of the Future Generali Overseas Travel Insurance below that you should check.

Multiple Plan and Sum Insured Options

With Future Generali Overseas Travel Insurance, you can choose from multiple plans and sum insured options according to your needs. To know more, check the below table.

Travel Insurance PlanPlan OptionsSum Insured Options
Future Travel SurakshaStandard, Silver, Gold and Platinum50,000/ 1,00,000/ 2,50,000/ 5,00,000 USD
Future Travel Suraksha SelectStandard, Silver and Prime Care50,000/ 1,00,000/ 5,00,000 USD
Asia PlanStandard & SilverUp to 50,000 USD
Schengen TravelStandard, Silver and Gold30,000/ 50,000/ 1,00,000 USD

Coverage for Medical Expenses

While travelling overseas, you can get coverage against the following medical treatment expenses arising due to an accident or illness.

  1. Emergency Medical Evacuation
  2. Repatriation of Mortal Remains up to 10,000 USD
  3. Daily Hospital Allowances
  4. Emergency Sickness Dental Relief

Loss and Delay of Baggage

In case you lose your baggage during the trip, Future Generali Overseas Travel Insurance pays up to a specified limit. This plan also covers the expenses incurred on emergency personal purchases due to delay in the arrival of checked-in baggage.

Loss of Passport

When you lose a passport during the trip, you get compensation for the expenses incurred in obtaining a duplicate passport. The coverage amount under this benefit will be according to the chosen sum insured.

Personal Accident Cover

If you face an accident anywhere in the world, you will get coverage against death and permanent total disability during your trip. Under the Future Travel Suraksha Plan, the coverage amount can go up to 20,000 USD.

Do I Need to Undergo Pre-Acceptance Medical Tests?

Individuals aged up to 70 years don’t need to undergo medical tests before choosing this plan if there are no adverse health declarations made in the policy proposal form. For people aged between 71 to 80 years, Future Generali asks for medical tests. However, for the Worldwide Select Travel Plan, no medical test is required.

Note: Medical test reports remain valid for 30 days after they are conducted.

Future Generali Overseas Travel Insurance Eligibility Criteria

Have a look at the conditions related to the overseas travel insurance plan mentioned below.

  1. For individual and multi-trip policies, the entry age for adults ranges between 18 to 70 years.
  2. Only for the Asia Travel Family Floater Plan, the entry age ranges from 18 to 65 years.
  3. For children, the entry age can be as low as 6 months up to 25 years.
  4. The minimum entry age for senior citizens stands at 71 years and can go up to 80 years.

What is Not Covered Under the Plan?

The Overseas Travel Insurance Plan from Future Generali will not provide coverage in the following situations.

  1. Pre-existing diseases & complications arising from them
  2. Routine physical or other examination where there is no objective indication of impairment of normal health and medical expenses beyond the expiry of the policy period
  3. Self-inflicted injuries or illnesses (Suicide, attempt to suicide or willfully self-inflicted injury or illness, mental disorder, anxiety, stress or depression, venereal disease, etc.)
  4. Alcoholism, drunkenness, abuse of drugs, HIV, or AIDS
  5. Pregnancy or related complications (Resulting childbirth, miscarriage, abortion or complication arising out of any of the foregoing)
  6. Loss or damage to the insured’s passport (As a result of the confiscation or detention by customs, police or any other authority)
  7. A loss not reported to appropriate police authority within 24 hours of the discovery of loss & warlike actions
  8. Immunization and obesity-related treatments
  9. Rehabilitation and physiotherapy or the costs of external prosthesis/device
  10. Elective, Cosmetic or Plastic Surgery
  11. Dental Treatment

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