Future Generali Top Up Plan

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      Future Generali Health Insurance Top Up Plan

      Future Generali Future Advantage is a top-up health insurance plan that helps you meet any additional medical expenses. Future Advantage Top-up is a deductible health insurance plan with high sum insured options at a lower premium. This policy covers the insured when the basic policy coverage falls short for the treatment.

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      In such a situation, the Future Generali Future Advantage Top-up plan will be utilized over and above the policy deductible limit. The deductible is applicable on an aggregate basis on medical treatment during the policy term. Moreover, the coverage amount can be availed on both individual and family floater basis.

      With a sum insured option ranging from Rs 50,000 to Rs 1 Crore, the policy covers the policyholder for in-patient hospitalisation expenses.

      Eligibility Criteria  

      Entry Age Criteria

      Children- Day 1 to 25 years
      Adults- 18 years above

      Sum Insured (Rs)

      Rs 50,000-Rs 1 Crore

      Deductibles (Rs)

      Rs 50,000-Rs 40 lakh

      Waiting Period for Pre-existing Diseases

      24 months

      COVID-19 treatment

      Covered

      Types of Future Generali Top-up Health Plans

      There are 2 variants of Future Generali Future Advantage Top- up Plan: Supreme Plan and Elite Plan-

      • Supreme Plan- In this policy you can claim for Cancer treatment and heart-related medical conditions
      • Elite Plan- In the elite plan coverage is limited to cancer and heart-related ailments

      Key Features of Future Generali Future Advantage Top-up Plan

      Future Generali health top-up policy comes with the following features and benefits:

      • You can opt for this top-up plan even if you do not have basic health insurance cover
      • A cumulative bonus is offered up to 10% for every claim to a maximum of up to 50%
      • Availability of waiver deductible is a good feature
      • Premiums can be paid on a monthly, quarterly, and semi-annual basis
      • The facility of cashless claims in-network hospitals over 6000+ hospitals with an average time of about 90 minutes and reimbursement claims within 14 working days is ensured

      Inclusions of the Future Generali Future Advantage Top-up Plan

      Inclusions under the Future Generali Future Advantage health top-up policy are given below:

      • Expenses for the surgeon, anaesthetist, medical practitioner, consultants, and specialists' fees, etc. are covered under this top-up plan
      • 60 days of pre and 90 days of post-hospitalization cover is provided
      • Ambulance expenses up to the cost of Rs 2000
      • Psychiatric Illness, AIDS, and HIV coverage after a waiting period of 48 months
      • Alternative treatment under AYUSH is covered after completion of two years of continuous coverage
      • Organ donor hospitalization expenses are covered after two years of the waiting period
      • The supreme plan covers all ailments, including related heart conditions and cancer, while the elite plan includes cover for cancer and treatment related to the heart only.
      • Cost of blood, oxygen, operation theatre, surgical appliances, medicines, X-ray, pacemaker

      Exclusions of the Future Generali Future Advantage Top-up Plan

      Under any circumstances, the policy doesn’t cover the following:

      • Treatments that are non-allopathic in nature
      • Congenital external illness and disease
      • Venereal or sexually transmitted disease other than HIV/AIDS
      • Treatment-related to drugs and alcohol
      • Consumables that are consumed by the patient except for those that are necessary and mentioned in the bed form
      • Charges for a private nurse and other special nursing treatment
      • Blood and antenatal reservation cost
      • Expenses related to the documentation and administration procedures

      * Please check Future Generali Health Top up Plan Brochure for a detailed list of exclusions

      Policyholders can look into Future Generali health Premium Charts for various premium options available under both top-up plans. They can also use the Future Generali health Premium Calculator to calculate premiums in advance.

      FAQs

      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
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      Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

      *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

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