Excess is an amount that needs to be paid first by you in the event of each and every claim. for ex: if your excess amount is USD 100, if you have claimed for USD 500 for medical expenses then you need to bare first USD 100 and company will reimburse you USD 400 under the policy.
What is the difference between my “Certificate Number” and my “Policy Number”?
Policy no is number provided by us to your company for all the employees traveling abroad.
Certificate number is a number provided to an individual traveler based on travel sector, number of days of travel.
How do I make claim when overseas?
In case of any claim or for any assistance you can call on the numbers given ion your certificate of insurance i.e. our assistance company and they will guide you further as per your requirement.
How do claim for my minor child?
All the claim procedure is same for the minor child, only payment will be made to parents / guardians.
What is a reimbursement claim and what is procedure for reimbursement claim?
In case of claims where you need to pay the entire amount first and then apply for reimbursement after coming back to India.
The Medical expenses other then sickness, baggage delay, trip delay are the classic examples of reimbursement claims.
What is pre existing disease?
Any medical condition which is present before effective date of the policy / certificate of insurance is called as preexisting, which is not covered under the policy.
What is difference between accidental medical expenses and sickness medical expenses?
Medical expenses as a result of an accident for ex: car accident or domestic falls is called as accident medical expenses.
Expenses arising out of any sickness like fever, cold etc. are called as sickness medical expenses.
In case of accident medical expenses the excess is not applicable.
Is cashless facility available? In what circumstances it is available?
It is imperative to call our assistance company in case of hopitalisation our assistance company will guide you to find out nearest medical facility and other assistance as required by you, based on your medical papers our assistance company will help you for cash less.
You will have to bare excess under the policy and rest of the amount will be settled by us with the medical facility.
What is sub-limits and how to calculate the same? It is applicable to whom?
Sub limits are the limits which is applicable to an individual equal to above 55 completed years.
The limits are set for the each and every benefits for ex: for bad charges, pathology expenses etc.
The insured person needs to bare the expenses over and above such set limits, which is mentioned on your policy broacher.
What happens if I'm injured overseas & evacuated?
In case where your injured abroad and you are being evacuated company will pay for the transportation and medical aid subject to policy limits. Our liability ends upon safely repatriating you to home soil where you are assimilated into the local healthcare system.
What is baggage delay?
In case where your baggage is not delivered at the destination and the same is delivered by the airlines afterwards. The policy triggers in case of delay which is more then 12 hrs.
Why baggage delay is not covered on return journey?
Baggage delay is coverage provided to you to buy daily needs in absence of your baggage like food, clothes etc, you need to produce original bills and receipts of such purchase at the time of claiming.
What is baggage loss?
In case where air line is not able to deliver your baggage at the destination and same is not traced for 45 days and airline has confirmed the baggage being lost. You need to produce the letter of airline confirming the loss and the claim paid by them for such baggage loss.
As per the policy we will deduct the amount paid by the airlines and balance will be paid by us, subject to policy limits.
Can I claim for baggage delay and baggage loss both in case of baggage loss?
No, you cannot claim under both the sections of the policy. Future Generali India insurance Co. ltd. Will pay you for baggage loss subsequent to baggage delay and deduct the amount paid by us under baggage delay section of the policy.
If my belongings are left outside on a bench while I am in a queue are they covered if stolen?
There is no coverage for the same under the policy
What is covered under passport loss?
Reasonable expenses paid by you for acquiring new passport as well as visas will be reimbursed by us. All the bills / receipts need to be provided to us at the tome of claim.
What kind of documentation is required to process my claim?
Please see Policy / certificate of insurance for the same, in case of any queries you can call us our assistance company for guidance.
Are dental expenses covered?
Accidental dental expenses are covered, i.e. dental treatment that is necessarily incurred to restore sound and natural teeth following an Accident.
The indicative list of documents required for each type of loss is mentioned below:
Future Generali Travel Suraksha Claim Form
Policy Copy / Certificate Copy
Treating / attending Doctor’s report
Original Admission / discharge card
Original Bills with Receipts & Prescription
Original X-ray reports/Pathological / Investigative reports, if any
Copy of passport / Visa with Entry & exit stamp
Copy of ticket and boarding pass
Accidental Dismemberment / Disablement
Future Generali Personal Accident Claim Form
Policy / Certificate Copy
Attending Doctors Report
Original Disability Certificate from the Doctor, if any