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Future Generali Overseas Student Insurance

Future Student Suraksha plan from Future Generali Insurance company makes studying and living in foreign countries very easy. The students covered under this plan can concentrate on their academics without worrying about any medical expenses in case of emergency situation. The plan provides coverage for 2 years covering the medical expenses, tuition fees.
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  OR age      years
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Future Generali India Insurance Company Limited is a joint venture between Future Group – the game changers in Retail Trade in India and Generali – a 187 years old Italian global insurance group featured among the world’s 60 largest companies. The company was incorporated in September 2007 with the objective of providing retail, commercial, personal and rural insurance solutions to individuals and corporates to help them manage and mitigate risks.

Future Generali was one of the first insurers to also get into the Retail Travel insurance market with innovative products which cater to the Indian traveller be it a Leisure or Business Traveller. Their Travel Products are operated under the brand name of Travel Suraksha.

Insured’s Eligibility Criteria for Future Generali’s Travel Plans:

Plans Insured’s Age Remarks
Student Plan Student’s age can be between 18 years and 35 years on the date of commencement of the policy.

Plans Countries Covered Sum Insured Options (Accident & Sickness Expenses)
Student Suraksha Insurance Plan Options available for both Including and Excluding USA & Canada Basic - $50,000
Standard - $50,000
Silver - $100,000 / $150,000
Gold - $200,000 / $250,000
Platinum - $500,000
Asia Pacific (Excluding Japan) - $25,000

Future Student Suraksha – Student Insurance Plan

While studying abroad is exciting, it comes with its fair share of uncertainty and apprehension. However, with Future Student Suraksha, you can be confident that everything will be taken care of in case of an unforeseen emergency which can be both Medical and Non Medical. This comprehensive two year plan covers everything, from your medical expenses and passports to special allowances like tuition fees and sponsor protection. plan is eligible for students between the ages of 18 and 35 years of age.

Future’s Student Plan has five options to choose from namely Basic (Medical Expense coverage of $50,000), Standard ($ 50,000), Silver ($100,000 / $150,000) Gold ($200,000 / $250,000), Platinum ($500,000) apart from a Plan, specific to the Asia Region with a Sum Insured of $25,000.

Apart from the traditional travel insurance coverages like Accident & Sickness Expenses, Medical Evacuation and Repatriation of Mortal Remains, Dental Expenses, Personal Accident included Accidental Death & Permanent Total Disability, Loss and Delay of Baggage Checked in with the Carrier, Personal Liability, the plan also offer Coverages specific to the Student which include Tuition Fee, Compassionate Visit (2 way), Sponsor Protection, Felonious Assault and Bail Bond.
Benefits (in US$) Basic Standard Silver Gold Platinum Asia- Pacific excluding Japan Deductible
  Medical Care
plus   Medical Expenses & Medical Evacuation & Repatriation $50,000 $50,000 $100,000 $150,000 $200,000 $250,000 $500,000 $25,000 $100
teeth   Emergency Dental Treatment $250 $250 $250 $250 $500 $500 $500 $100 $50 for $250 & $100 for $500 & $25 for $100
head   Mental and Nervous Disorders $500 $500 $500 $500 $500 $1,000 $500 $75 for $500 & $100 for $1,000
mother   Maternity Benefit* $500 $500 $500 $1,000 $1,000 $2,000 $500
  Personal Accident
accident   Personal Accident Cover(Accidental Death And Disability) $7,500 $7,500 $15,000 $22,500 $30,000 $37,500 $40,000 $5,000
clinic   Accidental Death Common Carriage $10,000 $10,000 $15,000 $20,000 $25,000 $25,000 $50,000 $7,000
  Personal Care
person-with-lugg   Loss Of Checked Baggage $1,000 $1,000 $1,250 $1,500 $1,750 $2,000 $3,000 $750 50%
delay-bag   Delay Of Checked Baggage $50 $150 $150 $150 $150 $150 $150 $50 12hrs
globe  Compassionate Visit $5,000 $5,000 $5,000 $7,500 $7,500 $10,000 $3,000
  Travel Inconvenience
passport   Loss of Passport $200 $200 $200 $200 $250 $250 $300 $150 $25 for $200 & $30 for $250 & $50 for $300 & $20 for $150
  Person Liability
person   Person Liability $100,000 $100,000 $100,000 $100,000 $100,000 $200,000 $100,000 $200 for $100,000 & $500 for $200,000
   Special Allowances
hand   Tution Fee $10,000 $10,000 $15,000 $15,000 $20,000 $25,000 $7,000
hand   Sponsor Protection $10,000 $10,000 $10,000 $10,000 $10,000 $15,000 $7,000
gun   Felonious Assault $5,000 $5,000 $5,000 $5,000 $5,000 $10,000 $3,000
bond   Bail Bond $500 $1,000 $1,500 $2,000 $2,500 $2,500 $1,000

* Waiting period is 10 months

Under the Student Guard Program

Coverage of Medical Expenses All the plans takes care of your emergency medical expenses resulting from an accident or sickness while traveling abroad.

Baggage Delay and Baggage Loss Payment up to a specified maximum limit is given in case of loss of baggage. Also compensation for reasonable expenses incurred for emergency personal purchase due to delay in arrival of checked in baggage (after 12 hrs), whilst overseas. Both are payable if the baggage was in the custody of the carrier.

Loss of Passport Compensation for reasonable expenses incurred in obtaining a duplicate passport overseas is covered under this benefit.

Personal Accident Worldwide coverage is available under all plans against Accidental Death and Permanent Total Disablement while the insured is abroad. Additional coverage is available if the unfortunate incident occurs while the insured is traveling in a common carrier.

Medical Evacuation and Repatriation of Remains Medical Evacuation to a nearby location or to India due to a lack of or for better available medical facilities subject to obtaining prior approval from insurer’s end for further treatment. Repatriation of Remains is the expenses incurred to transport the mortal remains of the insured back to India.

Tuition Fee Provides reimbursement of un used tuition fees if you suffer any of the following conditions and are not able to continue your studies for the remaining part of a school semester for which tuition fee has been paid, if – you are hospitalised for more than one consecutive month for covered Injury / sickness or in case of terminal illness or in case medical repatriation, or in case of accidental death of immediate family member.

Sponsor Protection In case of Accidental death or permanent disablement of your sponsor, we'll reimburse your tuition Fee incurred for the remaining period of this education up to specified maximum limit.

Bail Bond The insurance company will pay costs relating to the bail bond if the insured student incurs, as a result of any inadvertent law breaking or false arrest in a bailable offence or wrongful detention by any government during his/her travel overseas.

Assistance and Claims Support under Future Generali Travel Insurance Plans:

Europ Assist is the Third Party Administrator (TPA ) for Future Generali Travel policies for claims and assistance abroad

How does one get in touch with EUROP ASSISTANCE? For claims and related queries, you may kindly call:

24X7 helpline number: +91 22 6734 7841 National toll-free number: 1800 209 2333 (only from MTNL/ BSNL network)
Land line number for Claims: +91 22 6734 7878; Fax number: +91 22 6734 7888

Europ Assistance India Pvt. Ltd., 761 Solitaire Corporate Park. 167 Guru Hargovindji Marg, Chakala,Andheri(E), Mumbai – 400 093

Email ID: fgi@europ-assistance.in

For any Worldwide Emergency Assistance Services, Medical Assistance Services, Travel Assistance Services and for availing Cashless Service during a travel abroad please call on the below UIFN (Universal International Freephone Number)/ ITFS (International Toll Free Service) numbers provided on policy documents.
Country Number to be dialed Accessible from
USA 18337426672 Fixed Line, Mobile networks UIFN or Payphone
Canada 01180055331345 Fixed Line
New Zealand 0080055331345 Fixed Line, Mobile networks UIFN or Payphone
Singapore 00180055331345 Fixed Line, Mobile networks UIFN or Payphone
Malaysia 0080055331345 Fixed Line, Mobile networks UIFN or Payphone
Australia 001180055331345 Fixed Line, Mobile networks UIFN or Payphone
Austria 0080055331345 Fixed Line, Mobile networks UIFN or Payphone
China 0080055331345 Fixed Line
France 0080055331345 Fixed Line, Mobile networks UIFN or Payphone
Germany 0080055331345 Fixed Line, Mobile networks UIFN or Payphone
UK 0080055331345 Fixed Line, Mobile networks UIFN
Netherlands 0080055331345 Fixed Line, Mobile networks UIFN or Payphone
Belgium 0080055331345 Fixed Line
Portugal 0080055331345 Fixed Line, Mobile networks UIFN or Payphone
Denmark 0080055331345 Fixed Line, Mobile networks UIFN or Payphone
Hong Kong 0080055331345 Fixed Line, Mobile networks UIFN or Payphone
Norway 0080055331345 Fixed Line, Mobile networks UIFN or Payphone
Spain 0080055331345 Fixed Line, Mobile networks UIFN or Payphone
Poland 0080055331345 Fixed Line, Mobile networks UIFN or Payphone
Thailand 0080055331345 Fixed Line, Mobile networks UIFN
Philippines 0080055331345 Fixed Line
Italy 0080055331345 Fixed Line
Hungary 0080055331345 Fixed Line, Mobile networks UIFN or Payphone
Finland 0080055331345 Fixed Line, Mobile networks UIFN or Payphone
Ireland 0080099441111 Fixed Line, Mobile networks UIFN or Payphone
Russia 0080099441111 Fixed Line, Mobile networks UIFN
India 1800 209 2333 All phones Worldwide
Worldwide 02267347841 All phones (Chargeable number with call back facility)

What are the services provided by Europ Assist?

Below is a list of indicative services, but not the complete list. Please go through the terms and conditions of your policy for complete list of services.

Emergency Assistance Services include:
  • Arrangement of emergency medical evacuation
  • Arrangement of emergency medical repatriation
  • Arrangement of repatriation of mortal remains
  • Arrangement of emergency message transmission
  • Telephone medical advice
  • Medical service provider referral
  • Arrangement of appointment with local doctors
  • Arrangement for hospital admission
  • Guarantee of payment to hospital for medical expenses incurred during hospitalization and monitoring of medical condition
  • Dispatch of essential medicine that is not available locally
  • Arrangement of compassionate visit
  • Return arrangements for a minor
  • Claims payment and management
Travel Assistance Services provided by Europ Assist include :
  • Pre-trip information
  • Embassy referral
  • Lost luggage assistance
  • Lost passport assistance
  • Arrangement of hotel accommodation

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