ImageFuture Generali’s Best Indemnity Insurance for Doctors in India

Future Generali Insurance Company's Indemnity Insurance for Doctors

Future Generali India Insurance Company offers doctors one of the best options to purchase Professional Indemnity Insurance at an affordable premium. This insurance policy covers radiologists, pathologists, general physicians, consultants, specialists, surgeons (including dentists), anaesthetists. This policy offers an AOA: AOY ratio of 1:1. This means that for any claim, you can claim up to the full limit of the sum insured.

Compare Future Generali's Doctor Indemnity Insurance

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Highlights

Covers extensions upto full limit of indemnity

Covers pre-litigations costs as well

Issues Risk Cover Note online, instantly

Provides sum insured options upto 1 Crore

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply.
*Tax benefit is subject to changes in tax laws. Standard T&C Apply.

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Future Generali Insurance Company’s Overview

Future Generali India Insurance Company is a joint venture between two industry giants. Future Group leads in the retail business, and Generali Group is a leading player in the insurance industry. The Generali Group, an Italy based company, is a 190-year-old global insurance business and asset management provider.
Established 31 years ago, Future Group is now a major player in the Indian retail industry.
In FY 2022, Future Generali India Insurance managed assets exceeding Rs. 5,700 Crore. The gross written premium stood at Rs. 4,210.35 crore. This firmly establishes its credentials in the insurance segment, placing it among India's top 10 private general insurance players.
The company proudly received various awards, including the Golden Peacock Awards 2022 for Excellence in Corporate Governance. It also earned The Economic Times Best Brands Awards 2022.
Incorporated in September 2007, Future Generali India Insurance Company aims to provide retail, commercial, personal, and rural insurance solutions. The objective is to assist individuals and corporates in managing and mitigating their risks. It has been serving the customers using its global insurance expertise in diverse classes of products.
They also have a large pool of individual agents, certified insurance facilitators, and other distributors. As of March 31, 2022. Future Generali India disclosed a net profit of Rs. 119.33 crore and disbursed net claims totaling Rs. 1527.21 crore.
The corporate channel experienced a 22% growth in GWP, driven by a balanced portfolio across various lines of business. This includes Property, Engineering, Marine, Liability, Miscellaneous, and Group Health.

Reference link for FG’s Overview: https://general.futuregenerali.in/about-us

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Compare and Save upto 70%*

On Doctors Professional Indemnity

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C apply.

TOP PLANS

Doctors Professional Indemnity

By Future Generali Insurance

Specialization
Radiologist
Specialization
Radiologist
Sum Insured
₹ 1 Crore
Sum Insured
₹ 1 Crore
Premium(including Taxes)
₹ 2360
Premium(including Taxes)
₹ 2360

Doctors Professional Indemnity

By Future Generali Insurance

Specialization
Surgeons
Specialization
Surgeons
Sum Insured
₹ 1 Crore
Sum Insured
₹ 1 Crore
Premium(including Taxes)
₹ 7080
Premium(including Taxes)
₹ 7080
Disclaimer: The premium is excluding of GST. Standard T&C Apply. Securenow does not evaluate, endorse or recommend any particular insurance company or insurance products offered by insurance companies.

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How to buy Future Generali’s Doctors’ Insurance online in India?

One can buy a Future Generali’s Online Doctor Insurance in India by following below mentioned 5 simple steps:

Step 1: Visit www.securenow.in, select ‘Profession’ and then select ‘Doctors’

Step 2: Fill in your contact details, choose your specialisation and get multiple quotes online

Step 3: Select the final option and make the payment

Step 4: Fill the online proposal form

Step 5: Get your policy copy within 7 working days at your registered email id

Any Questions?

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Buy Doctor Indemnity Insurance coverage upto 1 Crore*

Premium starting from ₹708 /person per annum*

*Terms & conditions apply. Click view plans below to check eligibilityPlan Image
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Future Generali India Insurance’s Indemnity Insurance for Doctors at a glance:

ParticularsCoverage
Radiologists, Pathologists & General Physician
Consultants (Non Surgeons)
Surgeons (including dentists)
Anaesthetists
Discounted & Affordable Premiums
Territory & JurisdictionIndia
AOA: AOY (ratio which determines the limit of indemnity amount payable to the insured at the time of claim)1 : 1
Excess: India0.5% of each & every claim amount
Retroactive Date Restoration in case of no break in policy
Defense Cost
Pre-litigation Cost
Loss of documents
Breach of Confidentiality
Defamation(Libel and Slander, both)

Future Generali Insurance’s Doctor Professional Indemnity Insurance Plans:

Future Generali India's Doctors Professional Indemnity Insurance Plans are one of the most affordable plans with comprehensive coverage. These insurance plans approve extension coverages up to the full limit of indemnity. Find below some examples of how much these doctors indemnity insurance plans cost:
  • For Radiologist, the premium including taxes for 1 Crore sum insured is Rs. 2360.
  • For Surgeons, the premium including taxes for 1 Crore sum insured is Rs. 7080.
Doctor indemnity insurance includes exclusion clauses to define situations or practices not covered, reducing insurer risk and ensuring policy clarity. This specifies coverage, terms, and limitations.

Exclusions of Future Generali Doctor’s Professional Indemnity Insurance:

Below mentioned points are major exclusion of Future Generali Doctor Indemnity Insurance:

  • Political Risks Exclusion
  • Prior Acts Exclusion
  • Pending Litigation Exclusion
  • Nuclear Energy/ Radioactive Exclusion
  • Fines & Penalties, Punitive & Exemplary Damages
  • Loss of Goodwill Exclusion
  • Genetically modified organism exclusion
  • Pure Contractual Liability
  • Cosmetic surgery of any kind
  • Clinical Research Exclusion
  • Medical Malpractice Exclusion - Unprofessional
  • Employment Related Practices
  • Breach of law/statutory
  • Product Liability
  • Sanction Clause
  • Other Exclusions as per Policy Wordings
  • Warranted that any excess placement over the Limit of liability shall be with the express consent of Future Generali.
  • No indemnity insurance covers claims directly or indirectly related to specified exclusions. This includes events arising from certain causes:
    • The administration by dentists and dental surgeons of:
    • General anaesthesia or
    • Any procedure carried out under general anaesthesia unless performed in a hospital.
    • Any claim arising out of spinal or caudal anaesthesia or any attempt thereat.
    • Services rendered while under the influence of intoxicants or narcotics.
    • Using drugs for weight reduction.
    • Insured individuals face claims arising from cosmetic procedures like plastic surgery, hair transplants, punch grafts, flap rotations, etc. The term "cosmesis" excludes certain procedures from this category.
    • Anaesthetic X-ray or other medical nursing or laboratory services provided in connection with the performance of cosmesis.
    • Plastic surgical repair of scar tissue being the result of previous surgery unrelated to cosmesis performed by the insured.
    • Plastic surgery in connection with burns or other traumatic injury.
    • Third party public liability.
    • Excluding any claim directly or indirectly linked to Human T-cell Lymphotropic Virus type III (HTLV 111). This includes conditions related to acquired Immune Deficiency Syndrome or similar syndromes.
    • The use or prescription of drugs for weight reduction.
    • Personal injury suits cover libel, slander, false arrest, defamation, and mental injury. They encompass wrongful conviction and detention.
    • Directly or indirectly caused by or contributed to by:
    • Ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel.
    • The radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof.
    • Arising out of genetic injuries caused by x-ray treatment/diagnosis or treatment/diagnosis with radioactive substances.
    • Coverage is available for injuries that occur during a contract, apprenticeship, or related duties. This applies to the insured, their contractors, and sub-contractors.
    • Insurance does not cover services beyond a physician's standard scope, as defined by laws and ethical codes.
    • Blood banks cover providing blood or blood products for insured operations.
    • Total Asbestos Exclusion -The insurance covers any actual or alleged liability caused by asbestosis or related diseases, including cancer. This liability results from the existence, production, processing, manufacture, sale, distribution, storage, deposit, or use of asbestos. It applies to asbestos products and products containing asbestos in any form or quantity.
    • Electromagnetic Radiation Exclusion- The insurance covers any actual or alleged loss or damage to property. This includes liability caused by non-ionic radiation, such as Electro-Magnetic Fields and Interference.

How to renew a Future Generali’s Doctors Professional Indemnity Insurance in India?

Renewing a Doctor's Professional Indemnity Insurance Policy is crucial to reinstate the retroactive date. For renewals, the customer gets renewal reminders from us 45 days before the due date of the renewal. To renew Future Generali's Doctor's Professional Indemnity Insurance Policy, follow the steps below:

Step 1: Visit www.securenow.in, select ‘Profession’ and then select ‘Doctors’

Step 2: Fill in your contact details, choose your specialisation and get multiple quotes online

Step 3: Select the final option and make the payment

Step 4: Fill the online proposal form

Step 5: Get your policy copy within 7 working days at your registered email id

You can complete the renewal process before the due date by sending last year's policy document to support@secrenow.in.

How to file a claim under a Future Generali Doctor’s Professional Indemnity Insurance Policy?

For a claim under Future Generali's Doctors Professional Indemnity Insurance Policy, follow the outlined process:

  • Initiate your claim by notifying us. If you receive notice from a lawyer or court, inform SecureNow promptly. Our claims team will guide you. Email a sequential explanation of relevant incidents to file the claim.

We'll work with Future Generali to appoint a lawyer to help you respond to the notice and court proceedings.

To make a claim, the insured must provide written notice of the claim to the Company. This is a condition precedent to exercising any right under the policy.This written notice shall include:

  • A description of the Claim or circumstances
  • The nature of the alleged Wrongful Acts
  • The nature of the alleged or potential damage
  • The names of actual or potential claimants
  • List all actual or potential defendants and how the insured first learned of the claim or circumstances.

In addition to the written notice, the insured must provide all relevant documents supporting the claim or circumstances. These documents include internal or external records, correspondence, legal documents, or any others deemed necessary by the company. The company requires these documents to handle the claim effectively. The insured must cooperate with the company as needed to handle the claim effectively.

Such complete written notice and supporting documentation shall form the basis of the company’s assessment of the claim.

Submit the hard copies of the claim documents as required. In case of any concerns, you can reach out to us at +91 96966 93999 or support@securenow.in

Future Generalli Doctors Indemnity Insurance FAQs

Medical malpractice insurance is essential to protect healthcare professionals from potential legal and financial repercussions resulting from medical errors or negligence. It shields against costly lawsuits, it enables doctors and medical practitioners to practice medicine without fearing personal financial ruin. This insurance safeguards the physician's reputation. It maintains patient trust by demonstrating commitment to accountability and compensation in medical mishap cases.

Future Generali India, partnered with the Future Group, contributes dynamically to shaping the nation's consumption narrative. Generali, a global insurance group with almost two centuries of experience, is a key partner in this venture.

The Future Group leverages its brand, network, and consumer understanding to enhance our ecosystem of products and systems. Generali Group brings worldwide insurance insights, expertise, and a management focus to enhance lives through insurance.

As on 31st March 2022, the gross written premium (GWP) done by Future Generali India Insurance Company is Rs. 4210.35 Crore.

Future Generali India has a wide distribution network within the country, with 134 Places of Business (POB) across India. We were also among the largest recruiters of agents during the pandemic and have a current strength of 21,500+ agents. Currently, Future Generali India Insurance Company has presence across 25 states & UTs through its branches and virtual sales offices. This company has a network of 134 offices (including Registered & Corporate Office) across the country.

We are live with Future Generali’s Doctors Professional Indemnity Insurance Product at our website. In case of online purchase, the insured-doctor can see quotes online, fill proposal form online and make payment online.

The sum insured options range for Future Generali’s India Insurance’s Doctors Professional Indemnity Insurance is as below:
  • For online purchase: 10 Lacs to 1 Crore
  • For offline purchase: More than 1 Crore


  • Indemnity Insurance for doctors from Future Generali's comes highly recommended. Doctors Indemnity Insurance offers broad coverage with a 'year AOY limit,' 'accident AOA limit,' and 'fixed per accident' benefit. It includes benefit called 'any one accident' limit, ensuring financial protection for medical professionals.

    It protects against individual accidents, criminal acts, and unexpected events like weight loss, forming a safety net. Medical professionals consider these coverages essential.

    In the Financial Year 2021-22, Future Generali India Insurance Company issued 35,22,212 policies. The company conducted over 38 lakh transactions, showcasing strong operational performance. Future Generali India Insurance Company settled 93% of claims, processing 95.96% of transactions within 3 days.
    Doctors have a liability policy known as Medical Malpractice Insurance, tailored for them. It protects against claims because of medical negligence during services. The policy covers costs for defending and settling malpractice suits, following its terms.
    In Future Generali India’s Doctors Professional Indemnity Insurance Policy, Defence Costs refer to the reasonable costs incurred in defending any Claim. They cover fees but exclude regular wages for members in the insured organization, encompassing charges, attorneys', and experts' fees. Defence Costs also cover court fees and amounts decided for appeal, attachment, or similar surety or security.
    Some documents are mandatory to buy Future Generali’s Doctors Liability Insurance Policy. This list includes the below documents
  • Adhaar Card
  • PAN Card
  • Medical Registration Certificate
  • Filled Proposal Form
  • To ensure accurate coverage and prevent disputes, buyers must scrutinize documents when purchasing Doctor indemnity insurance in India. To guard against unexpected gaps in liability protection, careful examination of documents is essential for buyers.
    Future Generali’s Medical Indemnity Insurance for Doctors covers breaches of confidentiality, defamation (libel and slander), and loss of documents. The insurance covers these policy benefits up to the full limit of indemnity or sum assured.
    No, Future Generali India’s Insurance Company’s Doctors Professional Indemnity insurance policy does not cover Plastic & Cosmetic Surgeons. Cosmetic and plastic surgeries are one of the standard exclusions of Doctor’s indemnity insurance product. The specialized nature of their procedures means that the insurance does not cover these surgeons.
    Yes, the client can buy a Future Generali’s Doctors Indemnity insurance policy online from SecureNow. One can see quotes online, fill proposal form online and make payment online. We will send the policy document, which contains the guaranteed amount, to the customer's registered email address.

    This process typically takes 7-10 business days. To purchase doctor indemnity insurance online from SecureNow, follow these steps:
  • Start by visiting securenow.in
  • Please navigate to the 'Profession' section and choose 'Doctors.'
  • Provide your contact information, then click 'Next.'
  • Choose your intended recipient and specialty and click 'Get Quote.'
  • Review multiple online quotes, choose your preferred one, and click 'Purchase Now.'
  • Pay online, and upon success, get a risk cover note or Doctor indemnity insurance copy per the insurer's quote.


  • To secure the best indemnity insurance for doctors in India, initiate the online purchase process. This ensures comprehensive protection for your medical practice!
    Accurate documentation is vital when registering a claim for doctors insurance, ensuring a smooth process, credibility, and fair compensation in case of malpractice allegations. The list of required documents to register a claim under Future Generali India’s Doctor Indemnity insurance policy include:
  • A filled and signed claim form is vital for insurance claims process, serving as essential documentation and verification.
  • Claim notice
  • Copy of the policy document
  • FAQ Insurer Image