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Future Generali General Insurance

Future Generali Insurance is a joint venture between India's leading retailer, i.e., Future Group, and a global insurance group - Generali Group. Future Generali Insurance commenced business in September 2007 and achieved break-even in its 6th year of operation. Future Group operates a host of India's leading retail brands and stores like Big Bazaar, Food Bazaar, Central, Home Town, and eZone. Generali Group, established in Italy in 1831, is a leading company in the global insurance and financial markets.

Proven performance

Over 15 lakh customers
Settles an average 2,10,000 claims every year
Presence in 125+ locations across India
Around 2,000+ active corporate clients
Over 7,000 agents across the country

Customer Centric Approach

Future Generali Health in-house servicing arm provides fast and easy claims settlement
Around 5,100+ cashless hospitals and over 2,500+ cashless garages
Commitment to providing value added features such as Future Xpress and Future Xpress+
ISO 9001:2008 certified for quality excellence
ISO/IEC 27001:2013 an information security management system standard

Strong Foundation

A joint venture between Future Group, India's largest retailer and Generali Group, one of the largest insurer in the world.
Capital infusion of Rs. 810 crore over a period of time since the establishment of Future Generali General Insurance Co. Ltd.
Assets under Management are worth over Rs. 3,198 crore as on September 30th, 2018
Emphasizes on superior talent to deliver insurance solutions for its business needs

Comprehensive Products

An extensive range of insurance products designed to cater to varied needs of their customers, be it personal, commercial, social or rural insurance
A significantly large player in niche segments like events, jewellers and film insurance
Insurance products of Future Generali General Insurance Co. Ltd. are an outstanding combination of price and innovation

Health Insurance Plans in June 2026

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IndusInd General Insurance

Amount Covered: ₹ 1 Lakh

Deal Price: ₹ 2,094 / Year

Waiting period: 4 yrs

Buy Health Insurance Plans as Per Your Need

Mission and Vision of Future Generali General Insurance Company

The Vision of Future Generali General Insurance Co. Ltd. is to actively protect and enhance people lives.

Our vision

Actively: We play a proactive and leading role in improving people's lives through insurance.
Protect: We are dedicated towards managing and mitigating risks of individuals and institutions.
Enhance: Future Generali is also committed to creating value.
People: We deeply care about our customer and our employee lives and their future.
Lives: Ultimately, we have an impact on the quality of people's lives - wealth, safety, advice and service are instrumental in improving a person's chosen way of life in the long term.

Our mission

The Mission of Future Generali General Insurance Co. Ltd. is to be the first choice by delivering relevant and accessible insurance solutions. This translates to-First choice

Logical and natural action that acknowledges the best offer in the market, based on clear advantages and benefits.

Delivering: We ensure achievement striving towards better performance.

Relevant: Anticipating or fulfilling a real-life need or opportunity, tailored to local and personal needs and habits, perceived as valuable.
Accessible: Simple and easy to find, understand and use; always available, at a competitive value for money.
Insurance solutions: We aim to offer and tailor a combination of protection, advice and service.

Future Generali General Insurance Company Product and Services

Health Insurance

Future Generali India Insurance Co. Ltd. offers two types of health insurance plans:

Health Total Plan

Policy term varies between a minimum of 1 year to a maximum of 3 years
Entry age starts from Day One to any age.
Maximum sum assured extends to a maximum of Rs. 1 crore
Health Total is a Comprehensive Retail Health Product with wider and long-term coverage
Offers three types of floater plans viz., Vital, Superior and Premiere that covers families of up to 15 members - self, spouse, dependent or non-dependent children, dependent or non-dependent parents, dependent siblings, daughter-in-law, son-in-law, parents-in-law, grandparents and grandchildren
Family discount of 10% when more than one person is covered in the same policy in case of Individual Sum Insured option
Loading on premium is not applicable for adverse claims experience
Premium paid by any mode other than cash is eligible for tax benefit under Section 80D of the Income Tax Act, 1961
For any individual purchasing the policy when he/she is at least 60 years of age or above, co-payment will be applicable.

Hospital Cash Plan

Any adult between 18 years and 65 years and children between 6 years and 25 years are eligible for applying for this health plan from Future Generali India Insurance Co. Ltd.
Offers cash benefit towards hospitalization of self and family member on being hospitalized
Expenses towards each day of hospitalization can be claimed depending on the plan you have opted for
No previous mediclaim policy required
Floater Benefit for a single sum insured covers self, spouse and up to two dependent children up to the age of 25 years
Average turnaround time for claims settlement is a maximum of 14 working days, provided all required documents have been submitted
The policy has to be renewed within the grace period of 30 days for renewal
Includes a Free look Period of 15 days from the date of receipt of the policy documents

Personal Accident Insurance

Entry age for adults starts from a minimum of 18 years to a maximum of 70 years, while for children it extends from 3 years to 25 years.

Sum Insured Eligibility

Cover	Maximum Multiplying Factor on Monthly income, Class1	Maximum Multiplying Factor on Monthly income, Class2	Maximum Multiplying Factor on Monthly income, Class3
Accidental Death	144	144	144
Permanent Total Disablement	144	144	144
Permanent Partial Disablement	144	144	144
Temporary Total Disablement	24	24	Not applicable

This policy covers the insured in case of Permanent Total Disability, Permanent Partial Disability, Temporary Total Disability and Death arising due to accident including disappearance and drowning. Under Permanent Total Disability and Permanent Partial Disability benefits, coma, accidental head injury, burns, etc. are being covered separately under special conditions.

An inbuilt cover for repatriation benefit and funeral expenses amounting to up to a maximum of 1% of the accidental death sum insured is reimbursed for the repatriation of the insured person’s remains subject to a maximum of Rs. 12,500. No additional premium is payable for this cover.

Terrorism is covered.

Travel Insurance

Future Easy Travel Schengen

Age of entry for adults varies between 18 years to 70 years, while for children, it ranges from 6 months to 25 years.
Coverages –
- Medical expenses incurred due to accident and sickness while traveling
- Compensation for the purchase of emergency personal purchase due to baggage delay or loss while the policyholder is overseas
- Compensation for issuance of duplicate or temporary passport overseas in case of loss of passport
- Financial emergency assistance in coordinating with the insured's family in India
- Worldwide coverage against accidental death and permanent total disablement when abroad
- Expenses incurred due to trip delay, trip cancellation, trip curtailment, hijack and missed connection
Compensation against legal liability incurred by the insured for third party civil claims towards accidental injury or accidental

property damage

Instant purchase of policy online
Easy cashless claim settlement
Flexibility
Arrangement of emergency medical evacuation and arrangement of emergency medical repatriation

Future Easy Travel Worldwide

Entry age for adults start from 18 years to 70 years for individual and multi-trip policies, while for children, the entry age eligibility is between 6 months and 25 years.
Includes medical expenses due to accident and sickness while traveling
Compensation for the purchase of emergency personal purchase due to baggage delay or loss while the policyholder is overseas
Compensation for issuance of duplicate or temporary passport overseas in case of loss of passport
Worldwide coverage against accidental death and permanent total disablement across the world

Student Travel

Entry age for adults starts from a minimum of 18 years and extends to a maximum of 35 years
Includes medical expenses due to accident and sickness while traveling
Compensation for the purchase of emergency personal purchase due to baggage delay or loss while the policyholder is overseas
Compensation for issuance of duplicate or temporary passport overseas in case of loss of passport
Provides reimbursement of unused tuition fees in case the insured suffers from medical conditions that prevents him/her from pursuing studies for the remaining part of a school semester for which tuition fee has been paid
Hospitalization for more than one consecutive month for covered injury/sickness or terminal illness or in case of medical repatriation, or accidental death of immediate family member
Reimbursement of tuition Fee incurred for the remaining period of this education up to specified maximum limit in case of accidental death or permanent disablement of the student’s sponsor
Worldwide coverage against accidental death and permanent total disablement while the insured is abroad across the world with 24x7 toll-free assistance
Comprehensive coverage for medical expenses, baggage delay/loss, loss of passport and more

Motor Insurance

Motor add-ons: You can now opt from a range of comprehensive additional covers on payment of a nominal premium.

Roadside Assistance: Stranded on the road or met with an accident? Why should such mishaps stop you? Roadside Assistance is at your service 24x7

Future Xpress & Xpress+: A simplified process to offer you a more personalised service at the same time smooth and speedy claims settlement.

Policyholders can avail discounts of up to 50% on the premium amount for the next policy year against No Claim Bonus (NCB) on no-claims raised during a policy year

Transfer of accumulated benefits against NCB on switching from another motor insurance to Future Generali India Insurance Co. Ltd.

Offers the convenience of opting for Voluntary Excess over and above the Compulsory Excess

Being a member of a recognized Automobile Association in India or having an ARAI approved anti-theft device fitted in the insured car will make the policyholder eligible for additional discounts

Pradhan Mantri Fasal Bima Yojana

The PMFBY was launched in 2016 from kharif season and replaced Modified National Agriculture Insurance schemes in India. The scheme has been launched with moto of One Nation One Crop One Premium. This new scheme aims at covering the losses suffered by farmers due to reduction in crop yield as estimated by the local government authorities through crop cutting experiments.

The scheme also covers pre sowing losses, post-harvest losses due to cyclonic rains and losses due to unseasonal rainfall in India. There is a provision to cover losses due to localized calamities such as inundation, also in addition to the previously covered hailstorm and landslide risks.

This schemes aims to increase the penetration of crop insurance in rural market and cover 50% of total sown area.

Objective

Stabilizing the income of farmers to ensure their continuance in farming.
Providing financial support to farmers suffering crop loss/damage arising out of unforeseen events
Encouraging farmers to adopt innovative and modern agricultural practices.
Ensuring flow of credit to the agriculture sector; which will contribute to food security, crop diversification and enhancing growth and competitiveness of agriculture sector besides protecting farmers from production risks.

Eligibility criteria

Compulsory Component: All farmers availing Seasonal Agricultural Operations (SAO) loans from Financial Institutions (i.e. loanee farmers) for the notified crop(s) would be covered compulsorily.
Voluntary Component: The scheme is optional for the non-loanee farmers.

Coverage of risks & exclusions

Following stages of the crop and risks leading to crop loss are covered under the scheme.

Prevented Sowing/ Planting Risk: Insured area is prevented from sowing/ planting due to deficit rainfall or adverse seasonal conditions
Standing Crop (Sowing to Harvesting): Comprehensive risk insurance is provided to cover yield losses due to non- preventable risks, viz. Drought, Dry spells, Flood, Inundation, Pests and Diseases, Landslides, Natural Fire and Lightening, Storm, Hailstorm, Cyclone, Typhoon, Tempest, Hurricane and Tornado.
Post-Harvest Losses: Coverage is available only up to a maximum period of two weeks from harvesting for those crops which are allowed to dry in cut and spread condition in the field after harvesting against specific perils of cyclone and cyclonic rains and unseasonal rains.
Localized Calamities: Loss/ damage resulting from occurrence of identified localized risks of hailstorm, landslide, and Inundation affecting isolated farms in the notified area.
General Exclusions: Losses arising out of war and nuclear risks, malicious damage and other preventable risks shall be excluded.

Key features

Low Farmer Premium Rates: The rate of Insurance Charges payable by the farmer will be as per the following table

Sr. No.	Season	Crops	Maximum Insurance Charges Payable By Farmer (% of Sum Insured)
1	Kharif	All food grain and Oilseed crops (all Cereals, Millets, Pulses and Oilseed crops)	2.00% of SI or Actuarial rate, whichever is less
2	Rabi	All food grain and Oilseed crops (all Cereals, Millets, Pulses and Oilseed crops)	1.5% of SI or Actuarial rate, whichever is less
3	Kharif and Rabi	Annual Commercial / Annual Horticultural crops	5.00% of SI or Actuarial rate, whichever is less

Future Generali General Insurance Renewal Process

Online Renewal Process at Future Generali General Insurance

The online renewal process at Future Generali General Insurance can be completed by following these simple steps:

Visit the official website of Future Generali General Insurance Co. Ltd.
Login with your User ID or Email ID, Password and Captcha Code
Select the name of your policy and complete the premium payment to renew your policy

Offline Renewal Process at Future Generali General Insurance

The offline renewal process at Future Generali General Insurance is as follows:

You can visit any branch of Future Generali General Insurance
Present your policy document
Make your premium payment to complete the renewal process

Renew insurance plans provided by other insurers with Future Generali India Insurance

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Awards and Recognition of Future Generali General Insurance Ltd .

Skoch Technologies for Growth Award:

Recognised among the top 100 projects in the Order of Merit List by Skoch Technologies for Growth Award 2016 for claims app, i-MoSS

HR Excellence Awards:

Winner of BW Businessworld HR Excellence Awards for ‘Best Implementation of HR Technology’, 2016 organised by BW Businessworld

EFFIE Award:

EFFIE award in the financial services category in 2011 for marketing effectiveness during the Insurance week

ISO Certification:

ISO 9001:2008 certification for the Investment Department in Feb 2014

Ingenious 100 Award:

‘Ingenious 100’ award in 2009 for operational and strategic excellence in IT

CIO 100 Smart Infrastructure Award:

CIO 100 ‘Smart Infrastructure Award’ in 2009

Impresa Award:

‘Impresa Award’ for Market Presence in 2010 by the Indo-Italian Chamber of Commerce

Guinness World Record:

Guinness World Record in Feb 2011 for the longest balloon chain during Insurance week

ISO 27001:2013 Certification:

ISO 27001:2013 certification in 2014 for its IT Processes which includes IT Application Development and Support, IT Infrastructure Management, IT Project Management and IT Security Management.

Top 100 CISO Award:

Received the TOP 100 CISO Award that felicitates the top Influencers and community contributors in the field of Information security.

FAQs on Future Generali General Insurance

Are there any add-on covers that Future Generali General Insurance offers for the motor insurance?

Yes, There are 8 add-on covers like Zero Depreciation, Theft or Loss of Keys, Loss of Personal Belongings, Tyre Damage, NCB Protection, Engine Protector, Return To Invoice, Inconvenience Allowance.

How does the No Claim Bonus (NCB) offered by Future Generali General Insurance Co. Ltd. benefit policyholders?

Future Generali India Insurance Co. Ltd. policyholders are eligible for avail a discount on the premium amount for the next policy year on no claims raised during a policy year. However, the policy has to be renewed within 90 days of the expiry date for the policyholder to be eligible for availing the NCB benefits. The discount percentage increases gradually on consecutive no-claim policy years. The benefits accumulated against NCB can be carried forward while switching over from another insurance company.

Customer Reviews

Average Customer Rating:

Future Generali India Insurance: Buy & Renew Insurance Policies Online

5 / 5 ( 2 reviews )