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Customer Service FAQs

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 Yes 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.
  • 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 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).

  • 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.

  • 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).

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