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Life Insurance

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Terms and Conditions

Future Generali Express Term Life Plan is a non-linked non participating (without profits) term insurance plan with life insurance coverage.

  • Financial documents may be required depending on Sum Assured amount opted for
  • No medical tests for sum assured up till 2 Cr. and 40 years of age is subject to no adverse disclosures/ observations with respect to health, habits, lifestyle, etc. in the proposal form.
  • In case of any adverse health/hobby disclosures/observations, additional documents/medicals may be required
  • For Politically Exposed Persons, additional documents is required
  • Financial documentation, medicals and acceptance of risk is subject to underwriting guidelines of the company

 

For detailed information on this product including risk factors, terms and conditions, etc., please refer to the sales brochure and consult your sales representative or visit life.futuregnerali.in before concluding a sale.

UIN: 133N082V01
Dedicated Servicing & Claims Helpline
@ Future Generali Life – 1800 102 2355 (Select ‘2’ for English and then select ‘6’)

The advertisement contains only an indication of the cover offered. For more details on risk factors, terms, conditions and exclusions, please read the policy wordings carefully before concluding a sale.

General Insurance is underwritten by ICICI Lombard General Insurance Company Ltd.

ICICI Lombard has its registered office at ICICI Lombard House, 414, Veer Savarkar Marg, Near Siddhivanayak Temple, Prabhadevi, Mumbai – 400 025. IRDAI Reg No. 115. Toll Free No. 1800 2666. Fax No 02261961323. CIN L67200MH2000PLC129408. Website: www.icicilombard.com Email: customersupport@icicilombard.com.

ICICI Lombard General Insurance Company Ltd., ICICI Lombard House, 414, Veer Savarkar Marg, Prabhadevi, Mumbai – 400025.

Life Insurance is underwritten by Future Generali India Life Insurance Co. Ltd. (Future Generali) and PNB MetLife India Insurance Company Ltd. (PNB MetLife).

Future Generali has its registered office at Indiabulls Finance Centre, 6th Floor, Tower 3, Senapati Bapat Marg, Elphinstone West Mumbai, Maharashtra – 400013. IRDAI Registration No: 133. CIN:U66010MH2006PLC165288. IRDAI Registration no. 133. Email: care@futuregenerali.in | Call at: 1800 102 2355. Website: life.futuregenerali.in

PNB MetLife has its principle office at No.5 Brigade Seshmahal, Vani Vilas Road, Basavanagudi, Bangalore – 560004. Toll free No. 1800-425-6969. Website: www.pnbmetlife.com Email: indiaservice@pnbmetlife.co.in.

This information is provided by American Express Banking Corp. (AEBC), India, having its Principal office at MGF Metropolitan, Office Tower, Level 7, District Centre, Saket, New Delhi-110017. Insurance Regulatory and Development Authority of India has authorized AEBC India to act as a Corporate Agent from 1st April, 2022, to 31st March, 2025 for soliciting and procuring General Insurance and Life Insurance business under Registration No. CA0066. The contents of this message (including any attachments) and the contents there of are attributable solely to the ICICI Lombard General Insurance Company Limited, Future Generali India Life Insurance and PNB MetLife India Insurance Company Ltd. ('Insurance Company'). No part of the same is either directly or indirectly, attributable to AEBC. The participation of the Card member is purely on a voluntary basis. Any such person who purchases or otherwise subscribes to the Insurance Product would do at his/her discretion and shall not receive any advantages in additions to those which he/she would ordinarily be entitled to as an American Express Card member. AEBC India does not accept any responsibility for the Insurance Company's actions or decisions. AEBC holds no warranty & makes no representation about claims processing. The contract of Insurance is between the insurer and the insured and not between the bank and the insured. Insurance company is liable to claims processing as per the terms and conditions of this Policy. AEBC India identifies insurance providers and products that may be of some interest to some of their customers. In this role, American Express does not act as an agent or fiduciary for the Card member, and may act on behalf of the insurance provider (as its agent or otherwise), as permitted by law. Please be aware that we receive up to 15% of the premium as commissions for Non-Life insurance products and up to 30% in the first year and up to 10% of the premium in the subsequent years for Life insurance products from providers as per Insurance Regulatory and Development Authority of India guidelines.

Beware of spurious phone calls and fictitious/fraudulent offers. IRDAI clarifies to public that –

  • IRDAI or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums
  • IRDAI does not announce any bonus

Public receiving such phone calls are requested to lodge a police complaint along with details of phone call, number.

 

Product code:

  • ICICI Lombard Complete Health Insurance: Misc 128, Group Personal Accident - Misc 05, Motor - Motor 01, International Travel - Misc 129
  • ICICI Lombard General Insurance: Smart Drive Private Car Insurance Policy - IRDAN139RP0032V01200809, Smart Traveler Insurance Policy (Individuals & Families) - IRDA/NL-HLT/BAXAGI/P-T/V.I/222/13-14, Smart Plan House Holders Package Policy - IRDAN139P0002V01200910, Health Shield 360 - 4177, UIN: ICIHLGP22083V022122 
  • Future Generali Express Term Life Plan – T21. UIN: 133N082V01 
  • PNB MetLife India Insurance Co. Ltd. Mera Jeevan Suraksha Plan – MJS, PNB MetLife IRDAI registration number – 117

To understand and view our Data Protection and Privacy Principles, please visit us at- http://www.americanexpress.com/india/microsite/privacy_statement/index.html