Future Generali Health Insurance Top up Plans

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.

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

Q1. What is the sum insured limit under Future Generali Future Advantage Top-up Plan?

You can choose a coverage amount as low as Rs 50,000 that can go up to Rs 1 Crore under this Future Generali Future Advantage Top-up policy.
Q2. Can I add my spouse and new-born child under the Future Generali Future Advantage Top-up plan?

Yes, one can add their newly married spouse and new-born child after applying for them and paying an additional premium.
Q3. Can I purchase multiple Future Generali top-up policies?

No, one member is allowed to have only one policy on their name.
Q4. Do Future Generali top-ups plans offer any tax benefits?

Yes, these Top-up plans offer tax benefits on premium payments under Sec 80C of the Income Tax Act.
Q5. What is the Health Claim Settlement Ratio of Future Generali?

The claim settlement ratio of Future Generali is 95.28%, which is quite satisfactory.

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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