Future Generali Annual Multi trip travel insurance

Future Generali Annual Multi Trip travel insurance benefits

• Benefits offered by Future Generali Annual Multi trip travel insurance

  Benefits	Gold	Platinum	Deductible
  Medical Care
  Accident & Sickness Medical Expenses	$250,000	$500,000	$75
  Emergency Medical Evacuation & Repatriation of Remains	Included under Accident & Sickness Medical Expenses	Included under Accident & Sickness Medical Expenses
  Daily Hospital Allowances	$25 per day(max 5 days)	$25 per day(max 5 days)	1 Day
  Emergency Sickness Dental Relief	$300	$300	$100
  Personal accident
  Accidental Death & Permannent total disablement	$10,000	$20,000
  Accidnetal Death Common Carrier	$5,000	$5,000
  Accidnetal Death Air Travel Only	$5,000	$5,000
  Legal liability
  Personal Liability	$200,000	$200,000	$200
  Travel inconvenience
  Hijack Relief Benefit	$100 per day(max for 7 days)	$150 per day(max for 7 days)	1 Day
  Trip Delay	$20 per 12 hours(max $120)	$20 per 12 hours(max $120)	12 Hrs
  Trip Cancellation	Not Available	$500	$100
  Trip Curtailment	Not Available	$300	$100
  Missed Connection	Not Available	$500	$50
  Loss of Passport	$250	$250	$25
  Personal care
  Baggage Delay	$100	$200	12 Hrs
  Baggage Loss***	$1,000	$1,000	$25
  Compassionate Visit	Not Available	Upto a max of $1000	$200
  Financial Emergency Assistance	$500	$500
  Special care
  Golfers Hole in One Celebration	$100	$200
  Home burglary insurance	Rs 100,000	Rs 200,000
  Child Escort	$2,500	$2,500

  *** Per baggage max. 50% & per item in the baggage max.

  Medical Sublimits
  The following maximum eligible expenses per Accident/illness are applicable to the Insured Persons Aged 56-70, regardless of the plan / option purchased
  Hospital Room and Board and Hospital miscellaneous	Max $1,750 per day upto 30 days.
  Intensive Care Unit	Max $2500 per day upto 7 days.
  Surgical Treatment	Max $12,500
  Anesthetist Services	Up to 25% of Surgical Treatment
  Physician's Visit	Maximum $75 per Day upto 10 visits
  Diagnostic and Pre-Admission Testing	Maximun $1,000
  Ambulance Services	Maximum $500

• What are the Exclusions under Future Generali’s Travel policies? Some of the key exclusions are listed below:

  • Policy does not cover pre-existing diseases & complications arising from them.
  • 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.
  • Suicide, attempt to suicide or willfully self inflicted injury or illness, mental disorder, anxiety, stress or depression, venereal disease, alcoholism, drunkenness, abuse of drugs, HIV, AIDS.
  • Manual work or hazardous occupation, self exposure to needless peril (except in an attempt to save human life), or if engaging in any criminal or illegal act.
  • Pregnancy, resulting childbirth, miscarriage, abortion or complication arising out of any of the foregoing.
  • Loss or damage to the Insured's passport as a result of the confiscation or detention by customer, police or any other authority.
  • Loss which is not reported to the appropriate police authority within 24 hours of the discovery of loss
  • War or war-like actions, act of terrorism.