Future Generali Jan Suruksha Plan
Future Generali India Life Insurance
Our Verdict
Future Generali Jan Suraksha is ideal for individuals seeking affordable, customizable term insurance with life, accident, and critical illness benefits. While comprehensive, added features may increase costs compared to basic term plans.
About the Plan
Future Generali Jan Suraksha is a comprehensive term insurance plan designed to provide financial security to your loved ones in the event of unforeseen circumstances. Offering affordable premiums and flexible coverage options, this plan ensures that your family is protected against life’s uncertainties. It includes a range of benefits, such as life cover, critical illness protection, and accidental death benefits, helping your family maintain their financial stability. With easy customization options, Jan Suraksha is a reliable choice for securing your family’s future.
About the Plan
Eligibility
• Entry Age :
18 to 65 years
• Maximum Maturity Age :
99 years
• Policy Term :
5 to 99 years (Whole life option available)
• Minimum Sum Assured :
₹50,00,000
• Premium Payment Term :
Single, Limited, or Regular Pay
• Premium Payment Frequency :
Monthly, Half-Yearly, or Yearly
• Citizenship :
Indian residents and NRIs (subject to underwriting)
Eligibility
Features of the Product
Total Permanent Disability Payout
Plan offers a Total Permanent Disability (TPD) payout, providing the sum assured as a lump sum if the policyholder becomes permanently disabled due to accident or illness.
Inflation Protection Coverage
The plan offers Inflation Protection Coverage, allowing the sum assured to increase periodically, ensuring that the coverage keeps pace with inflation and maintains financial protection over time.
Premium Payment Customizations
Plan offers flexible premium payment customizations, including options for Single, Limited, or Regular Pay, with payment frequencies available as Monthly, Half-Yearly, or Yearly for convenience.
Exclusions
Death due to self-inflicted injuries or suicide within the first 12 months of the policy.
Death or disability resulting from participation in hazardous activities or acts of war.
Death or disability caused by illegal or criminal acts.
Death or disability caused by pre-existing medical conditions not disclosed at the time of policy issuance.
Any claim arising from the influence of alcohol or drugs, unless prescribed by a doctor.
Injury or death due to participation in reckless driving or non-professional sports.
Exclusions
Accidental Death - Some policies offer you the option of adding extra protection for accidental deaths.
Critical Illness - If you’re ever diagnosed with a debilitating illness, you would want your insurance policy to pay a fixed sum so that you can deal with any monetary obligations you may have.
Add-ons
If you are a woman
The Future Generali Jan Suraksha plan offers female-specific benefits, including coverage for critical illnesses like breast and cervical cancer, preferential premium rates, and comprehensive life insurance protection for women and their families.
If you smoke
The Future Generali Jan Suraksha plan offers non-smoker benefits by providing lower premium rates for non-smokers.
Note :
Suicide Clause : If suicide occurs within 12 months, Future Generali Jan Suraksha typically pays a return of 80% of premiums paid or the surrender value, not the full death benefit.
Free look up period: The plan offers a free look period, typically 15-30 days, allowing policyholders to review the terms. If dissatisfied, they can return the policy for a refund.
Grace Period: The Future Generali Jan Suraksha plan offers a free-look period of 15 days from the policy issuance date.
Still Confused ?
Why OneAssure?
We guide your loved ones every step of the way to ensure they receive the full benefit of their coverage.
About the Company
Future generali India life insurance company Ltd. was established in 2006, It is a joint venture between Generali group and future group. Presently, Generali is the largest shareholder in the company with a stake of 73.99% in the company.
The Generali group, founded in 1831, is a prominent international asset management and insurance firm with offices in more than 60 nations.
Future Generali India provides a wide range of insurance products, such as life, house, auto, and health insurance, in addition to customised options for rural communities and enterprises. Offering value-added services like wellness programs and telecounseling together with full coverage is its main goal.
To provide families and businesses with financial security, the organisation blends innovation with customer-focused services. With a dedication to clear and easily accessible insurance solutions, its products are centered on long-term security and cover topics including wealth-building, retirement, savings, and child education.