Future Generali India Insurance 'Future Health Suraksha’ policy with added benefits

Future Generali India Insurance

'Future Health Suraksha’ policy with added benefits

Future Generali India Insurance Company Limited (FGII), the general insurance arm of the joint venture between the retail game changers Future Group and global insurer Generali, has launched the revised version of the ‘Future Health Suraksha’ product with a host of new features beneficial to the customers.

During the launch of the product, Dr. Shreeraj Deshpande, Principal Officer & Key Managerial Personnel, Future Generali India Insurance said, “Future Health Suraksha is one of our flagship health products and the benefits have been added keeping in mind growing customer demand arising from increasing healthcare costs.
With Future Health Suraksha, customers can avail many new features with option of easy premium payment and several other discounts under family & long-term segments, thus ensuring they get the best value of the policy.”

The entry age of the policy is 3 months to 70 years of age and can be renewed life long. One can also choose to buy the long term policy with tenure of upto three years. There are 4 different plans: Gold, Platinum, Topaz and Ruby depending on sum insured (sum insured options starting from INR 50,000 upto INR 10 lakhs). All plans are available with individual and floater option. Portability is available as per Portability Guidelines.

For detailed benefits, coverage and exclusions, please refer to the policy brochure. (https://general.futuregenerali.in/Health-Insurance/future-health-suraksha)

Key Features of Future Health Suraksha :-

·         Entry Age - 3 months to 70 years with option of Life long renewal.
·         Policy Tenure - The product is available with the policy periods maximum up to three years.

·         Plans and Sum Insured options available

There are 4 different plans: Gold, Platinum, Topaz and Ruby. All plans are available with individual options and floater option is available for sum insured options for 2 lakh and above.

·         Sum insured of ₹ 50000, 100000, 150000 from Zone A /Zone B /Zone C will be applicable only for New business for Children up to age of 25 years

·         Sum insured of ₹ 100000, 150000 from Zone C will be applicable for new business for Rural Areas only.

·         Cumulative Bonus - 10% for every claims free year to a maximum up to 50% of the Sum Insured.

·         Discounts

Family discount - Applicable in case two or more family members are covered in the same policy in case of Individual Sum Insured option.

Long term discount - Applicable in case of single premium payment for policy term of more than one year

Loyalty discount – Insured will get a discount if the client already has a separate Retail Health insurance policy (other than Future Health Suraksha / Personal accident /Travel) from Future Generali India Insurance Co. Ltd.

·         Portability can be offered as per the Portability guidelines

·         Payment options – Option of paying premium on instalment basis for long term policies. The premium in the policy will differ depending on the city of residence of the Proposer based on the zone wise classification.

·         Key Benefits

·         Inpatient Hospitalization

·         Day Care Treatment expenses 

·         Pre-hospitalization Medical Expenses

·         Post-hospitalization Medical Expenses

·         Ambulance charges

·         Free medical check-up

·         Patient Care

·         Accidental Hospitalisation

·         Hospital Cash

·         Accompanying Person

·         Organ Donor Expenses

·         Emergency Ambulance

·         Cumulative bonus

·         Recharge of Sum Insured

About Future Generali India Insurance Company Limited

Future Generali India Insurance Company Limited is a joint venture between Future Group – the game changers in Retail Trade in India and Generali – a 187 years old global insurance group featuring among the world’s 60 largest companies*. 

The company was incorporated in September 2007 with the objective of providing retail, commercial, personal and rural insurance solutions to individuals and corporates to help them  manage and mitigate risks.

Future Generali India has been aptly benefitting from the global Insurance expertise in diverse classes of products of Generali Group and the Indian retail game changer Future Group. Having firmly established its credentials in this segment and effectively leveraging on the skill set of both its JV partners, Future Generali India has evolved to become a Total Insurance Solutions Company.

*As per Fortune Global 500 Ranking (2017)

About Generali Group

Generali is an independent, Italian insurance Group, with a strong international presence. Established in 1831, it is among the world’s leading insurers and it is present in over 60 countries with total premium income exceeding €68 billion in 2017. 

With nearly 71,000 employees in the world and 57 million customers, the Group has a leading position in Western Europe and an increasingly significant presence in Central and Eastern Europe as well as in Asia. In 2017, Generali Group was included among the most sustainable companies in the world by the Corporate Knights ranking.

Future Generali India
Swagata Gupta
Mobile +91 9820088951

Future Generali India
Sumeet David
Mobile +91 7506249490

Perfect Relations
Divya Tejnani
Mobile +91 9323447671


Land Sale Suitable for Factory, Farms, Residential, Schools, Colleges

Land Sale - 2.62 Acres-TOTALLY OR PARTIAL 87 CENTS  Kovilpatti-Nalattinputhur - Oppsite to KR Exports.


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Post Office Small Saving Schemes Interest rates 2019 April to June

Post Office Small Saving Schemes Interest rates 2019 April to June

What is the applicable latest Post Office Small Saving Schemes Interest rates April to June 2019?
The central  government announced the interest rate for PPF, Sukanya Samriddhi, NSC, KVP Interest Rates April to June 2019.
Let us see the changes applicable with effective from 1st April 2019.
Earlier the interest rates used to be announced on yearly once.

However, now from 2016-17, the rate of interest will be fixed on a quarterly basis

For more details


Metropolis Healthcare IPO open on April 3 Price Band: Rs. 877 to Rs. 880, Minimum lot of 17 Equity Shares

Metropolis Healthcare Limited: Initial public offering to open on April 03, 2019 and to close on April 05, 2019
Price Band: Rs. 877 to Rs. 880 per Equity Share
Metropolis Healthcare Limited (the “Company”), one of the leading diagnostics companies in India, by revenue, as of March 31, 2018 (Source: Frost & Sullivan) proposes to open its initial public offering (“IPO”) of Equity Shares on April 03, 2019*.  
Net Offer
The IPO consists of 13,685,095 equity shares of face value of Rs. 2 each (“Equity Shares”) consisting of an Offer for Sale of up to 6,272,335 Equity Shares by Dr. Sushil Kanubhai Shah (the “Promoter Selling Shareholder”) and up to 7,412,760 Equity Shares by CA Lotus Investments (the “Investor Selling Shareholder”) (the “Offer”). 
The Offer includes a reservation of up to 300,000 Equity Shares, for subscription by Eligible Employees (the “Employee Reservation Portion”). 
 Minimum lot of 17 Equity Shares..!
The Offer less the Employee Reservation Portion is hereinafter referred to as the “Net Offer”, and such Net Offer aggregates up to 13,385,095 Equity Shares.
The Bid/Offer Closing Date is on April 05, 2019. The Price Band for the Offer is from Rs. 877 to Rs. 880 per Equity Share. Bids can be made for a minimum lot of 17 Equity Shares and in multiples of 17 Equity Shares thereafter.
Listed on BSE and NSE 
The Equity Shares are proposed to be listed on BSE and NSE (the “Stock Exchanges”).
The Book Running Lead Managers (“BRLMs”) to the Offer are JM Financial Limited, Credit Suisse Securities (India) Private Limited, Goldman Sachs (India) Securities Private Limited, HDFC Bank Limited and Kotak Mahindra Capital Company Limited.
The objects of the Offer are to achieve the benefits of listing the Equity Shares on the Stock Exchanges and for the Offer for Sale.

Book Building Process

In terms of Rule 19(2)(b) of the Securities Contracts (Regulation) Rules, 1957, as amended (“SCRR”) read with Regulation 41 of the Securities and Exchange Board of India (Issue of Capital and Disclosure Requirements) Regulations, 2009, as amended (“SEBI ICDR Regulations”), the Offer is being made for at least 10% of the post-Offer paid up Equity Share capital of the Company. 

Further, the Offer is being made through the Book Building Process, in compliance with Regulation 26(2) of the SEBI ICDR Regulations, wherein at least 75% of the Net Offer shall be Allotted on a proportionate basis to Qualified Institutional Buyers (“QIBs”) (“QIB Portion”), provided that the Company and the Selling Shareholders, in consultation with the BRLMs, may allocate up to 60% of the QIB Portion to Anchor Investors, on a discretionary basis (“Anchor Investor Portion”), of which one-third shall be reserved for domestic Mutual Funds, subject to valid Bids being received from domestic Mutual Funds at or above the Anchor Investor Allocation Price.

In the event of under subscription, or non-allocation in the Anchor Investor Portion, the balance Equity Shares shall be added to the QIB Portion. 

Further, 5% of the QIB Portion (excluding the Anchor Investor Portion) shall be available for allocation on a proportionate basis to Mutual Funds only.

The remainder of the QIB Portion shall be available for allocation on a proportionate basis to QIBs, subject to valid Bids being received from them at or above the Offer Price. If at least 75% of the Net Offer cannot be allotted to QIBs, the entire application money shall be refunded forthwith. 

Retail Individual Investors..!

Further, not more than 15% of the Net Offer will be available for allocation on a proportionate basis to Non-Institutional Investors and not more than 10% of the Net Offer will be available for allocation to Retail Individual Investors, in accordance with the SEBI ICDR Regulations, subject to valid Bids being received at or above the Offer Price. 

All Bidders (except Anchor Investors) shall mandatory participate in this Offer only through the Application Supported by Blocked Amount (“ASBA”) process and shall provide details of their respective bank account in which the Bid amount will be blocked by the SCSBs or under the UPI mechanism, as the case may be. Anchor Investors are not permitted to participate in the Anchor Investor Portion through the ASBA process.

*The Company and the Selling Shareholders may in consultation with the Book Running Lead Managers, consider participation by Anchor Investors in accordance with the SEBI ICDR Regulations. The Anchor Investor Bid/Offer Period shall be one Working Day prior to the Bid/Offer Opening Date; i.e., April 02, 2019.

All capitalized terms used herein and not specifically defined shall have the same meaning as ascribed to them in the RHP (Red Herring Prospectus). 


METROPOLIS HEALTHCARE LIMITED is proposing, subject to, applicable statutory and regulatory requirements, receipt of requisite approvals, market conditions and other considerations, to make an initial public offer of its Equity Shares and has registered the Red Herring Prospectus with the RoC. 

The Red Herring Prospectus shall be available on the websites of SEBI, BSE, NSE at www.sebi.gov.in, www.bseindia.com and www.nseindia.com, respectively, and is available on the websites of the Book Running Lead Managers (“BRLMs”), i.e. JM Financial Limited, Credit Suisse Securities (India) Private Limited, Goldman Sachs (India) Securities Private Limited, HDFC Bank Limited and Kotak Mahindra Capital Company Limited at www.jmfl.com, www.credit-suisse.com, www.goldmansachs.com, www.hdfcbank.com and www.investmentbank.kotak.com, respectively. 

Potential investors should note that investment in equity shares involves a high degree of risk and for details relating to the same, see “Risk Factors” beginning on page 20 of the Red Herring Prospectus. Potential investors should not rely on the Draft Red Herring Prospectus for any investment decision.

These materials are not for publication or distribution, directly or indirectly, in or into the United States (including its territories and possessions, any state of the United States and the District of Columbia). These materials are not an offer of securities for sale into the United States, Canada or Japan. 

The Equity Shares offered in the Offer have not been and will not be registered under the U.S. Securities Act of 1933, as amended (“U.S. Securities Act”) or any state securities laws in the United States, and unless so registered may not be offered or sold within the United States, except pursuant to an exemption from, or in a transaction not subject to, the registration requirements of the U.S. Securities Act and applicable state securities laws. 

Accordingly, such Equity Shares are being offered and sold (i) outside of the United States in offshore transactions in reliance on Regulation S under the U.S. Securities Act and the applicable laws of the jurisdiction where those offers and sales occur; and (ii) to “qualified institutional buyers” (as defined in Rule 144A (“Rule 144A”)) under the U.S. Securities Act), pursuant to the private placement exemption set out in Section 4(a) of the U.S. Securities Act. No public offering of securities is being made in the United States

Registered and Corporate Office: 250 D Udyog Bhavan, Hind Cycle Marg, Worli, Mumbai 400 030, Maharashtra, India; Tel: (91 22) 6258 2810
Website: www.metropolisindia.com Corporate Identity Number: U73100MH2000PLC192798




·       Policy reforms across sectors in 2018 led to a tremendous improvement in India’s ‘Ease of Doing Business’ ranking; India remains the fastest growing major economy in the world
·       2018 saw 47 million sq. ft. of office space uptake, dominated by Bangalore, Delhi-NCR and Hyderabad. Trend to continue in 2019 with evolving landlord occupier relationships to be the enablers of change

·       Retail activity maintained a healthy demand-mix across various brand categories; strengthened by the completion of nearly 5.1 million sq. ft. of investment grade supply in 2018. Despite tightening of FDI norms in e-commerce, omni channel will continue to reinvent retail formats in 2019
·      The logistics sector picked up on the back of GST implementation and granting of ‘infrastructure status’; absorption levels touched nearly 24 million sq. ft. in 2018
With the industry absorbing the impact ofRERA and GST implementation; residential demand and supply inched upwards in 2018; alternate asset classes such as co-living, student and senior housing to emerge stronger in 2019

·       Nearly USD4.7 billion of investments were witnessed in 2018, primarily across office, land / development sites and the retail sector. Investor appetite for land remained  strong with land accounting for 34% of all investment activity in 2018. Real Estate Investment Trusts (REITs) became a reality; thereby providing investment opportunities to retail / institutional investors

Bangalore, March 27, 2019: 

CBRE South Asia Pvt. Ltd., India’s leading real estate consulting firm, today announced the findings of its Real Estate Market Outlook 2019 - India. As per the report, India continues to retain its position as the world’s fastest growing major economy, on the back of improved investor confidence and better policy reforms. The IMF’s database also suggested that India’s contribution to world growth has increased from 7.6% during 2000-2008 to 14.5% in 2018. The CBRE report highlights 2019 trends and dynamics across various segments in the real estate sector in India.

Anshuman Magazine, Chairman & CEO - India, South East Asia, Middle East & Africa said, “The current government’s pro-reform policies have yielded positive news for the equity market and investment inflows, there by positioning India as an attractive business destination. The growth of the Indian Real Estate market in 2019 will be driven by numerous factors including technology, demand-supply dynamics, improved ease of doing business rankings and the dust settling post the implementation of reforms such as GST, RERA among others. We expect to see significant growth across segments, which will lead to the addition of almost 200 million sq. ft. of new real estate space in 2019 across categories including office, retail, residential and logistics”.\

Technologies such as Artificial Intelligence, Augmented Reality, Internet of Things, Robotic Process Automation and Block chain are trends that are reshaping how the Real Estate sector works. For instance, AI is allowing for more productive location decision making, predictive maintenance of assets, easing portfolio planning, reconfiguring work spaces, automating FM processes and making space smarter. Similarly, IoT is allowing for the construction of smart buildings and smart cities, while creating more data for analytics also across portfolios, fine-tuning portfolio management decisions and enabling more accurate valuations.

The year 2018 was a landmark one with office space absorption crossing an all-time high of 47 million sq. ft. (up 5% y-o-y) across the nine leading cities, boosted by a supply influx of 35 million sq. ft. (up 17% y-o-y). Bangalore and Delhi-NCR continued to dominate take-up; Hyderabad emerged as the third most preferred office destination, overtaking Mumbai.

Market Outlook trends expected to continue from 2018

o   Polarization between cities: Demand and supply would continue to be focused towards the most prominent destinations i.e., Bangalore, Delhi-NCR, Hyderabad and Mumbai.

o   Infrastructure-led growth: The pace of infrastructure development will determine the growth and emergence of new micro-markets; supply and demand will be influenced by infrastructure completions, particularly provision of metro services/ major arterial roads.

o   Greater appetite for SEZ’s/tech parks: With the sunset date of March 2020 fast approaching(which will impact the benefits for occupiers), heightened activity for both absorption and development completions is expected in the SEZ and tech park space in 2019.

o   Tech-driven real estate decisions: Technology will continue to impact occupier and developer decision-making, resulting in increased flexibility in both space leased and released.

Office Market Outlook for 2019: Expected in 2019
o   Absorption trends: Leasing activity in the sector will be driven by evolved sources of demand rising interest of global occupiers, workplace changes due to digitization of jobs, evolving need for flexibility, increased demand for domestic needs, rise in net absorption and Core + Flexi workplace strategies. The combination of these sources of demand, coupled with the supply influx of quality space is likely to result in the share of net absorption to rise from the current 60-65% to about 70-75% during 2019-20.The share of tech in overall space take-up in the country will remain in the range of 30 – 35%by the end of 2019.

o   Supply trends: We expect development patterns to be more tech-tailored and anticipate a stronger pipeline in 2019. CBRE expects nearly 40 million sq. ft. of new office space to be released over the next twelve months. Almost 30% of this pipeline is expected to be in the SEZ space. There is also expected to be an impetus on “smarter” buildings – driven by the augmented use of tech for optimizing space and costs.

o   Rental trends: We expect rents to continue to grow across the key markets in Bangalore, Chennai and Pune, however, this growth is expected to taper across most cities. ‘Gateway’ cities of Delhi-NCR and Mumbai would also see rental growth, however only in select locations. Also, a convergence between SEZ and non-SEZ rentals is expected in 2019.


2018 was a remarkable year for the warehousing market as overall absorption during the year touched 24 million sq. ft., a growth of about 44% compared to the previous year. Majority of the demand was concentrated in Mumbai (23%), Delhi-NCR (19%) and Bangalore (19%), closely followed by Chennai and Hyderabad accounting for about 15% and 12% respectively. 

Following the expected trend, 3PL players, e-commerce and engineering &manufacturing firms drove demand during the year contributing about 35%, 23% and 15% respectively. Markets which ledrental appreciation during the year were Bhiwandi in Mumbai (23%), Western corridor in Hyderabad (20%), NH-6 in Kolkata (16%) and Northern belt in Chennai (11%).

Logistics Outlook for 2019

o   Significant supply addition expected; the share of Grade A supply expected to increase in overall supply. While the overall supply (grade A and inferior grade) for the sector is expected to be almost 60 million sq. ft. till 2020, at least 22 million sq. ft. of this supply is estimated to be in the grade A category.

o   Demand from e-commerce players may slow down in the short-term due to policy disruptions. However, in the long run, BTS properties to become more commonplace for such players.

o   Favourable policy framework and government focus on infrastructure initiatives likely to spur further growth in the sector in 2019.

o   Focus on building in-city logistics, grocery delivery and cold chain facilities to see more activity in the coming year.


The Indian retail sector has been evolving at a fast pace in the past couple of years. Increasing urbanisation, evolving brand preferences, availability of technology and social media have been the driving factors behind this evolution. In 2018, nearly 5.1 million sq. ft. of new retail developments became operational across the seven major cities in the country. Supply was led by the Southern cities, with Hyderabad at the forefront; followed by Chennai and Bangalore. Smaller retail developments also became operational in Delhi-NCR and Kolkata during 2018.

Demand on the other hand has also been strong and the past couple of years have witnessed a divergence in the demand and consumption pattern of consumers in India. While fashion and apparel is expected to continue remaining a key demand stream (value fashion, along with mid-range fashion is expected to drive retail sales), but it has also given way to categories such as F&B, multiplexes and entertainment centres, along with accessories amongst others.

Retail Outlook for 2019:

o   Although nearly 10 – 12 million sq. ft. of supply is expected to come on-stream in 2019; demand is expected to outstrip supply. While changes in FDI norms for e-commerce may impact online sales in the short-term, it may also impact investor sentiment in the segment.

o   However, despite uncertainty across the e-commerce segment, omni-channel retailing is here to stay.

o   Diversification in demand to continue with expansion by various domestic and international brands across newer categories.

o   Experiential retail and place making will be the key, landlords and retailers likely to use tech for studying consumer patterns and enhance customer experience.


During 2018, the commercial real estate investment market witnessed few large-scale deals which led to about USD 4.7 billion of investments. Transaction activity was led by private equity investors focusing on office and retail sectors, while local investors focused on investing in land parcels for RE developments. The inflow of long term, patient capital from private equity and other institutional players – especially in office and retail has provided the sector with stability that will ensure a steady growth curve.

The Capital Markets and Land outlook for 2019:

o   The liquidity squeeze in the NBFC sector, besides government policies and focus on due diligence, will lead to consolidation in the sector.

o   PE investments are likely to focus on completed and under-construction quality assets across the office, warehousing and retail segments; residential sector will continue to be dominated by debt funding.

o   As the due diligence process tightens, the quality of loans is also anticipated to improve, however, as a result funding costs may rise.


Post the policy reforms of 2017 such as demonetization, RERA and GST, the residential market is absorbing the impact of these changes and is on the path to recovery. This led to a growth of about 15% y-o-y in new supply and 13% y-o-y in sales.

As developers align themselves with structural policy reforms implemented in the past few years and with changing characteristics of demand, we can expect residential supply to improve in 2019. The residential market is better placed this year as speculation-led investment activity has reduced significantly and financial checks are in place to prevent over-gearing. In terms of segments, mid-end projects will still garner the major chunk of supply, followed by the affordable segment (owing to government incentives and increase in end-user demand). The uptick in launches is expected to be witnessed in Bangalore, Mumbai, Hyderabad and Chennai, whereas launches in Kolkata and Pune are expected to be stable.

The Residential Market Outlook for 2019:

o   Supply- demand scenario is expected to improve, unsold inventory levels to further decline.

o   Alternate assets such as co-living, student and senior housing will continue to garner greater interest from end-users and developers.

o   Affordable housing will drive supply and demand, backed by several government reforms

o   In the affordable segment, developers are likely to draw up appropriate marketing strategies, phase-out launches and defend their margins by managing construction costs. Greater use of tech and tech-enabled construction techniques can assist in better execution of projects.

About CBRE Group, Inc.

CBRE Group, Inc. (NYSE:CBG), a Fortune 500 and S&P 500 company headquartered in Los Angeles, is the world’s largest commercial real estate services and investment firm (based on 2016 revenue). The company has more than 75,000 employees (excluding affiliates), and serves real estate investors and occupiers through approximately 450 offices (excluding affiliates) worldwide. 

CBRE offers a broad range of integrated services, including facilities, transaction and project management; property management; investment management; appraisal and valuation; property leasing; strategic consulting; property sales; mortgage services and development services.  Please visit our website at www.cbre.com.

Follow us:

On Twitter: @cbre_India

And on LinkedIn: company/cbre-asia-pacific

Bidisha Suri                                                                                             Ms. Vandana M
CBRE South Asia Pvt. Ltd                                                                       Adfactors PR
Phone: +91 9999576965                                                                        Phone: + 91 9999479947                                     
Email: Bidisha.Suri@cbre.com                                                                Email: vandana.m@



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