Future Generali India Life Insurance Company Limited is now Generali Central Life Insurance Company Limited. Generali Central Life Insurance Company Limited – A joint venture between Generali – one of the world’s leading insurers and Central Bank of India, India’s finest nationalised bank.
Future Generali India Life Insurance Company Limited is now Generali Central Life Insurance Company Limited. Generali Central Life Insurance Company Limited – A joint venture between Generali – one of the world’s leading insurers and Central Bank of India, India’s finest nationalised bank.
Flexible Coverage^
Avail flexibility for change in Sum Assured
Disability Benefit*
Financial support if disability limits your daily functioning
Return of Premium Option#
Get your premiums back at maturity with ROP
^Rider Sum Assured can be increased/decreased within the range of minimum eligibility criteria and up to maximum of Sum Assured allowed under the Base Policy. * In order to receive Accidental Total & Permanent Disability benefit, the life assured has to be deemed disable by a suitable Medical Practitioner (appointed by the Company) and the disability should persist continuously for a period of at least 180 days from the occurrence of the accident. # Total Premiums Paid (excluding any extra premium and taxes, if collected explicitly) shall be payable upon maturity, if there is no Rider claim made during the Rider Term. | UIN: 133B056V01
Why Choose Generali Central Non-Linked Accidental Total & Permanent Disability Rider?
A Non-Par, Non-Linked, Life, Individual, Pure risk (or Savings in case of ROP option) Rider.
An unexpected accident can leave you unable to work, turning everyday expenses into stress and long-term pressure.
The Generali Central Non-Linked Accidental Total and Permanent Disability Rider offers a fixed, guaranteed benefit when you cannot perform essential daily activities without support. It replaces lost income, shields your savings, and helps your family maintain their lifestyle.
A straightforward layer of protection that safeguards both your lifestyle and your peace of mind.
Income Replacement
Financial support designed to replace earnings lost due to permanent disability
Adjustable Coverage
Increase or decrease sum assured as life circumstances change
Add Anytime
Purchase at policy start or add later at any policy anniversary
Get Your Premiums Back
Choose the ROP option and get 100% of your premiums back if no claim is made
Payment Flexibility
Choose from Single, Limited, or Regular Pay based on your life stage
Flexible Benefit Options
Choose how your family receives benefits—lump sum, regular income, or a combination of both
Get Expert Advice from Your Trusted Life Insurance Partner!
Have questions? Get help and reliable support from experts at Generali Central Life Insurance.
Rider Summary
Choose the rider that fits your life
Entry Age
18 years of age (age on last birthday)
Maximum:
As per base plan, subject to maximum 65 years of age (as on last birthday)
Maturity Age
23 years under without ROP (age as on last birthday) 28 years under ROP (age as on last birthday)
Maximum:
As per base plan, subject to maximum 75 years of age (as on last birthday)
Premium Paying Frequency
Premium Payment Option
Rider Sum Assured
Under Single pay – Rs.1 lakh Under Limited pay and Regular pay – Rs.5 lakh
Maximum:
Sum Assured under the base policy
Rider Term
Under ROP option - 10 years Under without ROP option - 5 years
Maximum:
As per base policy term or maximum maturity age of 75 years, whichever is lower
Premium Paying Term
Single premium – 1 year Limited premium – 5 years Regular premium – as per policy term
Maximum:
Single premium – 1 year Limited premium – 30 years, subject to maximum of premium paying term of base policy Regular premium – as per policy term
Annualized Premium
A Policyholder can choose to avail the rider policy from the policy commencement date or any policy anniversary, subject to the Rider policy term, Rider PPT being aligned to the remaining base Policy Term and PPT, and subject to underwriting as per the prevailing Board Approved Underwriting Policy (BAUP) of the Company.
Benefits of Generali Central Non Linked Accidental Total & Permanent Disability Rider
Our Promise is Reflected in the Lives We've Touched
We bring experience, stability, and a proven approach to supporting your family and financial goals.
6019Our and Partners Branches
897,635Lives Protected
Since Inception
₹87.84 Bnof Assets Under Management
98.08%Individual Claim Settlement Ratio
FY 24-25
99.78%Group Claim Settlement Ratio
FY 24-25Data as on 31st March, 2025
Downloads
Everything you need to understand your policy, plan your future, and make informed decisions at your convenience.
Important Information & Resources
Understand your policy better with key details and insights into the Generali Central Non-Linked Accidental Total & Permanent Disability Rider.
Premium payment mode
Premium can be paid in Single premium, Yearly, Half-yearly, Quarterly or Monthly modes which shall be same as the base policy.
Flexibility for change in sum assured
The Policyholder may increase/decrease Rider Sum Assured within the range of minimum eligibility criteria and up to maximum Sum Assured allowed under the Base Policy and further subject to IRDAI regulations, 2024, as amended from time to time. Any increase/decrease in Rider Sum Assured can only be done on the Policy Anniversary of the Base Policy
Return of Premium (ROP) option
Under ROP option, the Policyholder will get Total Premiums Paid (excluding any extra premium and taxes, if collected explicitly) upon maturity, if there was no Rider claim made during the Rider Term. This option can be chosen only at inception and cannot be changed thereafter.
Grace Period
Grace Period means the time granted by the insurer from the due date for the payment of premium, without any penalty or late fees, during which time the Policy is considered to be In-force with the risk cover without any interruption, as per the terms & conditions of the Policy. The Grace Period for payment of the premium for all types of life insurance policies shall be fifteen (15) days, where the Policyholder pays the premium on a monthly basis and thirty (30) days in all other cases.
The Rider Sum Assured is payable subject to following conditions:
i. The policy shall have to be in force at the time of accident irrespective of whether or not it is in force at the time of disability.
ii. The disability should persist continuously for a period of at least 180 days from the occurrence of the Accident.
iii. The life assured has to be deemed disable by a suitable Medical Practitioner (appointed by the Company)
Lapse
i. For Regular / Limited Pay:
(a) If all due premiums for the first policy year have not been paid in full within the grace period, the rider shall lapse and will have no value.
(b) All risk cover ceases while the rider is in lapsed status.
(c) The Policyholder has the option to revive a lapsed rider within five (5) years from the due date of first unpaid premium.
(d) For without ROP Regular Pay Option, in case the rider is not revived during the revival period, no benefit shall be payable at the end of revival period and the rider will terminate thereafter.
(e) For without ROP Limited Option, in case the rider is not revived during the revival period, Policy Cancellation Value shall be payable at the end of the revival period or Maturity Date, whichever is earlier, and the policy will terminate thereafter.
ii. For Single Pay:
Not Applicable
Exclusion
No benefits under this rider will be payable if disability occurs from, or is caused by, either directly or indirectly, voluntarily or involuntarily due to or caused, occasioned, accelerated or aggravated by, any one of the following:
i. Intentional self-inflicted injury, attempted suicide, while sane or insane;
ii. Insured person being under the influence of drugs, alcohol, narcotics or psychotropic substances unless taken in accordance with the lawful directions and prescription of a Doctor;
iii. War, invasion, act of foreign enemy, hostilities (whether war be declared or not), armed or unarmed truce, civil war, mutiny, rebellion, revolution, insurrection, military or usurped power, riot or civil commotion, strikes;
iv. Taking part in any naval, military or air force operation during peace time or during service in any police, paramilitary or any similar organization.
v. Participation by the insured person in any flying activity, except as a bona fide, fare-paying passenger of a recognized airline or Pilots and cabin crew of a commercial airline, on regular routes and on a scheduled timetable;
vi. Participation by the insured person in a criminal or unlawful act with illegal or criminal intent;
vii. Engaging in or taking part in professional sport(s) or any hazardous pursuits, including but not limited to, diving or riding or any kind of race; underwater activities involving the use of breathing apparatus or not; martial arts; hunting; mountaineering; parachuting; bungee jumping;
viii. Nuclear Contamination; the radio-active, explosive or hazardous nature of nuclear fuel materials or property contaminated by nuclear fuel materials or accident arising from such nature.
ix. Any other exclusion that forms a part of policy document will also apply.
Grievance Redressal Processes
In case you have any grievances on the solicitation process or on the Product sold or any of the Policy servicing matters, you may approach the Company in one of the following ways:
- Calling the Customer helpline number 1800-102 2355 for assistance and guidance
- Emailing at care@generalicentral.com
- You may also visit us at the nearest Branch Office. Branch locator - https://www.generalicentrallife.com/branch-locator
- Senior citizens may write to us at the following ID: senior.citizens@generalicentral.com for priority assistance
- You may write to us at: Customer Services Department- Generali Central Life Insurance Company Limited, Unit 801 and 802, 8th floor, Tower C, Embassy 247 Park, L.B.S Marg, Vikhroli (W), Mumbai – 400083
We will provide a resolution at the earliest. For further details please access the link: https://www.generalicentrallife.com/customer-service/grievance-redressal-procedure
Generali Central Life Insurance Company Limited (Formerly known as Future Generali India Life Insurance Company Limited) offers a wide range of life insurance solutions designed to protect and empower individuals at every stage of life. Whether it’s protecting your loved ones, planning for retirement, or securing long-term financial well-being, our offerings are designed to evolve with your needs. Backed by a robust distribution network and advanced digital tools, we are dedicated to delivering simplicity, innovation, empathy, and care in every experience — all anchored by our unwavering commitment to being your Lifetime Partner.
This commitment is backed by the strength of our joint venture between Generali, a global insurance leader with over 190 years of expertise, and Central Bank of India, a trusted name with a rich legacy in Indian banking.
Generali Central Non-Linked Accidental Total & Permanent Disability Rider
UIN: 133B056V01
- This Rider is not available for online sale.
- Life Coverage is included in this Product. For detailed information on this plan including risk factors, exclusions, terms and conditions etc., please refer to the product brochure and consult your advisor, or, visit our website before concluding a sale. Tax benefits are as per the Income Tax Act 1961 and are subject to any amendment made thereto from time to time. Generali Group’s and Central Bank of India’s liability is restricted to the extent of their shareholding in Generali Central Life Insurance Company Limited.
- If you have any request, grievance, complaint or feedback, you may reach out to us at care@generalicentral.com.
- For further details please access the link: https://www.generalicentrallife.com/customer-service/grievance-redressal-procedure
Generali Central Life Insurance Company Limited (formerly known as Future Generali India Life Insurance Company Limited). (IRDAI Regn. No. 133) CIN:U66010MH2006PLC165288 Regd. and Corporate Office address: Generali Central Life Insurance Company Limited, Unit 801 and 802, 8th floor, Tower C, Embassy 247 Park, L.B.S. Marg, Vikhroli (W), Mumbai 400083.
Email - care@generalicentral.com
Call us at - 1800 102 2355
Website: www.generalicentrallife.com
UIN: 133B056V01
BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS.
IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.
What Our Happy Customers Are Saying
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Got Questions? We’ve Got Answers!
Here are answers to some of the questions you might have.
The fundamental difference is market connection. The Non-Linked version provides guaranteed, fixed benefits completely independent of market performance—no fund values, no NAV fluctuations. Your sum assured stays constant regardless of economic conditions. The Linked version ties to investment funds whose values can vary with markets.
No. This rider covers exclusively accident-caused disabilities (sudden, unforeseen, involuntary events via external, visible, violent means). Disabilities stemming from illness, disease, aging, or natural health deterioration are not covered.
Yes. Unlike many riders requiring inception purchase, this can be added at base policy commencement or at any policy anniversary later—subject to underwriting approval and term alignment with base policy requirements.
Yes, this is a distinguishing feature. You may increase or decrease rider sum assured on any policy anniversary within minimum eligibility criteria and maximum allowed under base policy, subject to IRDAI regulatory compliance.
Benefits are not payable if disability results from professional sports participation or hazardous pursuits like diving, racing, martial arts, mountaineering, parachuting, or bungee jumping. Review the complete exclusion list in the policy document.