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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.

*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.

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.

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.