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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Future Generali Top Up Plan

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    Some plans are available only after a certain time

    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


    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.


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