Customer Service FAQs

• How can I revive my policy?

  Revival of a policy depends upon the following factors:

  • Scope of Revival: The policy can be revived on the day the Insurance Company receives a written request.
  • Product Undertaken (Term/ Others): The policy can be revived until a maximum of 3 years from the last due date of renewal payment of the policy. It also depends on the nature of the product.

  Grid	> 30 days up to 90 days	>90 up to 180 days	>90 up to 180 days	> 180 days
  Requirement	All Plans	Term Plans	Non Term Plans	All Plans
  Renewal Premium	Yes	Yes	Yes	Yes
  DGH	NA	Yes	NA	Yes
  Late Fee	No	Yes	Yes	Yes

  *DGH -> Declaration of Good Health (document duly signed by a registered medical practitioner)
  *Lapse Period is calculated from the first unpaid premium date of the policy.

  The company however reserves the right to accept the revival on original terms or on modified terms or even reject the request for revival of a lapsed policy based on internal underwriting guidelines.

  For further details you may contact at any of our branches.

  Please Note:

  • In case the lapse period is less than 30 days, you may renew your policy without any interest charges.
  • If the lapse period exceeds 30 days, there is an interest on the reinstatement premium.
  • The policy will be revived as soon as the required amount is paid.
  • The process of revival can be initiated at any of the Future Generali branches. For more details, please contact the nearest branch.
• How can you track your claim?
  • Track Your Claim
• In what event can my policy lapse?

  A policy can lapse if the premiums are not paid on time. However, in case there is a delay in paying the premium, you are entitled to a grace period of 15 days for monthly premium payment mode and 30 days for quarterly, half-yearly and annually payment mode for paying premium without any interest.

• How can I make a ‘top-up payment’ in a policy?

  A ‘top-up premium’ can be paid at any of our branches. Please refer to your policy document for details on charges or minimum and maximum amount of ‘top-ups’ permissible. Please Note: ‘Top-up premiums’ have a lock-in period of three years (for plans issued prior September 01, 2010) and five years (for plans issued on or after September 01, 2010) from the date of payment of that ‘top-up Premium’.

  ‘Top-ups’ are not allowed during the last three years (for plans issued prior to September 01, 2010) and last five years (for plans issued on or after September 01, 2010) of the policy contract.

• How can I nominate in a policy?

  A nomination is possible only if the policy owner is the Life Assured. You may nominate more than one person under a policy. However, percentage-wise nomination is not permitted. You may also change/add nominees at any time during the tenure of the policy. A minor can be nominated; however, for such a nomination, a guardian above 18 years of age needs to be appointed.

  Click here for the Nomination Form.

• I need to change/ update my name. What is the procedure for the same?

  You can submit an attested copy of any of the following documents along with a duly filled Change Form:

  • Passport
  • PAN Card
  • Voter's Identity Card
  • Driving License

  In case of change in name due to marriage or for any other reason, please submit an attested copy of the Marriage Certificate or a copy of the Gazette Notification along with the policy service request form to the nearest branch.

• How can I avail ECS facility?

  In order to set up an ECS (Auto Debit) facility, fill an ECS Mandate Form and submit it at the nearest Future Generali branch with an original cancelled cheque. This service is free of charge.

  The premium amount will get debited on the due date. If the due date falls on a holiday, the same will get debited a day or two after the due date, as per the RBI cycle.

  You can discontinue this facility by sending an intimation to the Company (a letter requesting cancellation), at least two weeks prior to the premium due date.

• Can I change the payment frequency?

  Yes. Most policy terms and conditions allow you to change the payment frequency. Simply download the Payment Frequency Change Form and submit at the nearest Future Generali branch.

  Please Note: Auto-pay mandate is compulsory for quarterly mode, for premium less than Rs. 2,500/- and for all monthly mode cases.

• How can I avail a loan on a policy?

  You may avail a loan against a life insurance policy that has a Surrender Value. Please refer to your policy document for details on the minimum and maximum loan amount that you can avail. The policy loan can be taken for active policies (other than in grace period), any time after completion of three policy years.

  The loan will attract an interest on the outstanding amount at a rate declared by us from time to time (rate of interest will depend on the prevailing market conditions).

• What is the difference between ‘switch’ and ‘redirection’?

  A ’switch’ will enable you to shift the existing units of your Unit Linked policy into a new fund without altering your future premium allocation. However, ’premium redirection’ allows you to change the allocation for all future premiums of your policy without influencing the existing units.

  If you like to switch or redirect (or both), please submit a duly completed Switch Form at the nearest branch. You can also call on the Customer Care number (1800-102-2355).

• What is Auto Vesting?

  Auto Vesting is the change of policy ownership from existing Policy owner to the Life Assured. This occurs when the Life Assured, who is a minor at the time of policy issuance, turns major i.e. 18 years old. Auto Vesting depends on the Terms & Conditions of the product.

  After Auto Vesting, any payout with regard to the policy will be made to the new Policy owner. Also, any servicing request will be accepted from the new policy owner. To enjoy all the policy benefits seamlessly, the new Policy owner is required to submit the documents mentioned below:

  1. Identity proof
  2. Recent Address proof
  3. A filled & signed Specimen Signature form. Click here to download
  4. A filled and signed Nomination Form. Click here to download
  5. Bank a/c details along with the Bank proof (Personalized canceled cheque or Copy of Bank passbook). Click here to download form
  6. PAN & Aadhaar number. Click here to update
• How can I update PAN number?

   

  1. Click here to update your PAN number. OR
  2. Email your PAN copy from registered email id to care@futuregenerali.in. OR
  3. Visit your nearest Future Generali Life Insurance branch along with copy of PAN. OR
  4. Call our toll free number 1800 102 2355 to update your PAN number
• How can I place a policy servicing request at the nearest Future Generali Life Insurance branch?

   

  1. You can place a request by visit nearest Future Generali Life Insurance branch with documents required. Track branch Click here
  2. Branch Office Executive will take the request and send to back office HO for processing
  3. System generated acknowledgment will be sent to you on receipt of request
  4. Specialised Back office executive will review your request and give decision
  5. We will communicate you with the final decision as per Servicing TAT

   

  List of acceptable KYC documents:

  • Proof of Identity

     

    1. Passport
    2. Driving License
    3. Voter’s Identity Card
    4. Aadhaar Card
    5. PAN Card
  • Proof of Address

     

    1. Passport
    2. Driving License
    3. Voter’s Identity Card
    4. Aadhaar Card
    5. Latest 3 month Bank Statements

   

  Documents required for different process:

  • Free look Cancellation:

     

    1. Duly filled and signed Free look Cancellation Form available at Future Generali Life Insurance branch
    2. Original policy bond
    3. KYC document
    4. Cancelled cheque with pre-printed name
    5. Servicing TAT is 7 days from receipt of request
  • Annuity:

     

    1. Duly filled and signed Certificate of Existence Form (Click here)
    2. KYC document
    3. Cancelled cheque with pre-printed name (to change existing bank details)
    4. Servicing TAT is 7 days from receipt of request
  • Change of Nominee:

     

    1. Duly filled and signed Nomination Form (Click here)
    2. KYC document
    3. Servicing TAT is 7 days from receipt of request
  • Change of Appointee:

     

    1. Duly filled and signed Nomination Form (Click here)
    2. KYC document
    3. Servicing TAT is 7 days from receipt of request
  • Change in Mode/Frequency:

     

    1. Duly filled and signed Common Alteration Form (Click here)
    2. KYC document
    3. Auto Pay Mandate (Click here) is mandatory for changing payment frequency to monthly mode along with 2 month premium
    4. Servicing TAT is 7 days from receipt of request
  • Change in Premium:

     

    1. Duly filled and signed Common Alteration Form (Click here)
    2. KYC document
    3. Servicing TAT is 7 days from receipt of request
  • Premium Redirection:

     

    1. Duly filled and signed Premium Redirection Form (Click here)
    2. KYC document
    3. Servicing TAT is 7 days from receipt of request
  • Change in Term:

     

    1. Duly filled and signed Common Alteration Form (Click here)
    2. KYC document
    3. Servicing TAT is 7 days from receipt of request
  • Addition/Deletion of Rider:

     

    1. Duly filled and signed Common Alteration Form (Click here)
    2. KYC document
    3. For Rider Addition: Good Health Declaration (Click here) is mandatory to provide
    4. Servicing TAT is 7 days from receipt of request
  • Change in Date of Birth:

     

    1. Duly filled and signed Common Alteration Form (Click here)
    2. Valid Age proof
    3. Servicing TAT is 7 days from receipt of request
  • Request for Loan on policy:

     

    1. Duly filled and signed Loan Application Form (Click here)
    2. Original Policy Bond
    3. Notice of Assignment- Debtor Credit form (Click here)
    4. KYC document
    5. Cancelled cheque with pre-printed name
    6. Servicing TAT is 7 days from receipt of request
  • Change in Name:

     

    1. Duly filled and signed Common Alteration Form (Click here)
    2. Valid Name proof
    3. Attested copy of Marriage Certificate in case change in name due to marriage
    4. Servicing TAT is 7 days from receipt of request
  • Change of Ownership:

     

    1. Duly filled and signed owner change application available at Future Generali Life Insurance branch
    2. KYC documents of Proposed owner
    3. Death certificate of previous owner
    4. Servicing TAT is 7 days from receipt of request
  • Change in Sum Assured:

     

    1. Duly filled and signed Common Alteration Form (Click here)
    2. KYC document
    3. Servicing TAT is 7 days from receipt of request

  Note: - Any service request will be allowed only if terms and conditions of product permits the same

• How can I get my Maturity Claim of my policy?

  To get your maturity claim, we require the following documents.

  1. Address proof
  2. Pan Card
  3. Cancelled Personalised Cheque copy showing ,A/C Number, IFSC Code and MICR Code or
  4. Bank Passbook copy with printed A/C holder name. A/C Number, IFSC Code and MICR Code with latest one month transaction page.
• How can I surrender my policy?

  To surrender your policy, visit any of your nearest branch or download the surrender form and send it to any of your nearest branch or to Corporate Office

  1. Click here to download the surrender form

  1. Pan Card
  2. Original Policy bond
  3. If bond is not available, provide indemnity bond
  4. Cancelled Personalised Cheque copy showing ,A/C Number, IFSC Code and MICR Code or
  5. Bank Passbook copy with printed A/C holder name. A/C Number, IFSC Code and MICR Code with latest one month transaction page

Digilocker FAQ

• Through which URLs can I access DigiLocker?

  DigiLocker, the National Digital Locker System launched by the Government of India can be accessed using the below URLs:

  1. https://digilocker.gov.in
  2. https://digitallocker.gov.in
• Which benefits do I get from using DigiLocker?
  1. Citizens can access their digital documents anytime, anywhere and can also share them online. This makes it convenient and time-saving
  2. It reduces the administrative overhead of Government departments by minimizing the use of paper
  3. It makes it easier to validate the authenticity of documents as they are issued directly by the registered issuers
• How can I sign up for DigiLocker?
  1. Open the DigiLocker website www://digilocker.gov.in OR download DigiLocker application from Google Play Store/ iOS App Store
  2. Click on the Sign-up button and fill in mandatory information as below :
     • Full Name (as per Aadhaar) – Mandatory
     • Date of Birth (as per Aadhaar) – Mandatory
     • Gender – Mandatory
     • Mobile Number – Mandatory
     • Set 6 Digit Security Pin – Mandatory
     • Email ID – Optional
  3. Aadhaar Number – Optional (DigiLocker uses Aadhaar to verify the identity of the user and also enables authentic document access)
  4. Your mobile number will be authenticated by sending an OTP (one-time-password) followed by selecting a username & password. This will create your DigiLocker account.
  5. After your DigiLocker account is successfully created, you can voluntarily provide your Aadhaar number (issued by UIDAI) to avail of additional services.
• How can I get my Policy Document added to DigiLocker? If I have already signed up.

  Here are the steps (if you have not linked Aadhaar to your DigiLocker account):

  1. Login to DigiLocker with your credentials
  2. Upon login, you will see a dialogue box with a message to get your eAadhaar
  3. Click on the “Click here” link. An OTP box will appear in the dialogue
  4. You will receive an OTP on your mobile number linked to Aadhaar. Enter this OTP in the OTP box and click ’Verify OTP’ button
  5. On successful validation of the OTP, you will be redirected to the ’Issued Document’ page where URI for eAadhaar will be listed
  6. Click on the ’Save’ icon next to Aadhaar Card on the ’Issued Document’ page. Your eAadhaar will then be saved to the “Uploaded Document” section
  7. Go to Home and click on Banking & Insurance Section (View All) and look for Future Generali India Life Insurance Company Ltd
  8. Click on “Policy Document”
  9. The screen will show the Aadhaar Name and Date of Birth registered in Aadhaar Records
  10. Type in your Policy Number and click on the ‘Get Document’ button
  11. On successful validation of the Policy Number and Proposer Date of Birth, you will be redirected to the ’Issued Document’ page where URI for e-Policy will be listed
  12. Click on the “Save” icon next to Policy Document on the ’Issued Document’ page. Your e-Policy will be saved to the “Uploaded Document” section

  Here are the steps to get e-Policy in DigiLocker (if you have linked Aadhaar to your DigiLocker account):

  1. Login to DigiLocker with your credentials
  2. Click on Banking & Insurance Section (View All) and look for Future Generali India Life Insurance Company Ltd.
  3. Click on “Policy Document”
  4. Type in your Policy Number and click on Get Document Button
  5. On successful validation of the Policy Number and Proposer Date of Birth, you will be redirected to the ’Issued Document’ page where URI for ePolicy will be listed
  6. Click on the ’Save’ icon next to Policy Document on the “Issued Document” page. Your e-Policy will be saved to the ’Uploaded Document’ section.
• I would like to understand more about Digilocker

  Please visit https://digilocker.gov.in/faq.html