
FUTURE ADVANTAGE TOP UP
Future Advantage Top Up 
Find out how this plan works for you
You can extend your health cover at a much lower premium
You already have a health insurance policy, but will that cover any additional expenses? Especially in times when medical expenses are getting beyond everyone’s reach.
Future Advantage Top-Up is a deductible health insurance plan with high Sum Insured options to provide extra coverage at low premium as compared to any traditional health insurance plan.
This plan supplements your existing health insurance where you can go for higher sum insured over and above a deductible limit. The deductible will apply on aggregate basis towards hospitalisation expenses incurred during the policy period. Available on Individual & Family floater basis.
There are 2 different plans: Supreme Plan and Elite Plan.
- Supreme Plan – includes cover for all ailments including Heart related conditions and Cancer
- Elite Plan - includes cover for cancer and ailment related to Heart only
Policy Term:
Minimum Policy Term | 1 Year |
Maximum Policy Term | 3 Years |
Eligibility
Entry Age
Adults
18 years to up to any age with a lifetime renewal option
Children
Day 1 to 25 years can be covered.
Sum Insured and Deductible options available in the product are as below:
Sum Insured (₹) | Deductible (₹) |
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50000 | 50000 |
100000 | 50000, 100000 |
150000 | 50000 |
200000 | 50000, 100000, 200000 |
300000 | 50000, 100000, 200000, 300000 |
500000 | 50000, 100000, 200000, 300000, 400000, 500000 |
750000 | 200000, 300000, 400000, 500000, 750000 |
1000000 | 200000, 300000, 400000, 500000, 750000, 1000000 |
1500000 | 200000, 300000, 400000, 500000, 750000, 1000000, 1500000 |
2000000 | 200000, 300000, 400000, 500000, 750000, 1000000, 1500000, 2000000 |
2500000 | |
3000000 | 500000, 750000, 1000000, 1500000, 2000000, 3000000 |
4000000 | 500000, 750000, 1000000, 1500000, 2000000, 3000000, 4000000 |
5000000 | |
10000000 |
What’s Covered
- Inpatient Treatment
Room rent, ICU charges, nursing expenses for a minimum period of 24 hours.
- Other Inpatient Expenses
Medicines & drugs, diagnostic materials and X-ray, operation theatre charges, consultants, specialists fees etc
- Cumulative Bonus
10% for every claims free year to a maximum of 50% of the Sum Insured
- Other Expenses covered
Day Care Treatment expenses, Pre-hospitalization Medical Expenses, Post-hospitalization Medical Expenses, Organ Donor Expenses.
- Additional covers
Alternative Treatment, Emergency Ambulance
Pre acceptance Medical Tests
Pre-insurance medical examination will be conducted on the basis of adverse medical declarations in the proposal form, age of member, sum insured and deductible opted.
Insured is eligible for 100% reimbursement of pre-insurance medical tests charges, subject to policy issuance.
Medical Report Validity
30 days from the day tests were done. Medical tests will be done in our empanelled diagnostic centre
Other Features
Family discount will be applicable in case two or more family members are covered in the same policy in case of Individual Sum Insured option.
- Loyalty discount:
2.5% loyalty discount if the client already has a separate Retail Health insurance policy (other than Future Advantage Top-up) from Future Generali India Insurance Co. Ltd.
Long-term discount up to 10% applicable in case of upfront premium payment for long term policy.
- Instalment Facility:
Facility of instalment premium payment is available on monthly, quarterly and half yearly. Loadings maximum of 5% will be applicable on standard premiums as per the instalment frequency opted.
- Loading on Claim experience:
There will be no loading on premium for adverse claims experience.
- Tax benefit:
Premium paid by any mode other than cash is eligible for tax relief as provided under Section 80-D of the Income Tax Act.
- Waiver of Deductible:
The insured person have an option to convert the plan to any indemnity health insurance plan for the same Sum Insured with no medicals only at the time of renewal provided that the insured is within the age group of 54-60 years, have enrolled under this Policy before the age of 50 years and renewed with Us continuously for a minimum period of 5 years.
Top reasons why this plan is ideal for you
- Flexible
Opt for this policy even if you don't have a Mediclaim policy. Up to the deductible limit, the expenses will be borne by you.
- Floater Benefit
Under a single sum insured, cover yourself and your Family (family means Self, Spouse and up to 3 dependent children up to the age of 25 years, Or, Self, Spouse and 5 dependent children up to the age of 25 years).
- Portability
Port your existing policy with us to avail of benefits and services. Portability is as per the Portability guidelines of IRDAI.
- Free Look Period
If you are not satisfied with the coverage, and terms and conditions of the policy, you can opt for cancellation of the policy within 15 days from the date of receipt of the policy documents, provided there has been no claim and you shall be entitled to a refund as per the policy terms and conditions.
- 30 Days for Renewal
From the expiry date of the policy, you get 30 days grace period for renewal.
Exclusions of this plan
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Congenital External Illness/ disease/ defect anomaly
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Expenses incurred towards treatment of Illness or Injury arising out of alcohol use/misuse or abuse of alcohol, narcotic substance or drugs (whether prescribed or not)
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Hormone replacement therapy, sex change or treatment which results from or is in any way related to sex change
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Injury or Illness directly or indirectly caused by or arising from or attributable to war, invasion, act of foreign enemy, war like operations (whether war be declared or not)
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To view the list of Non – Payable items, click here.
Waiting Periods
Waiting Period |
Diseases |
---|---|
30 days | Any illness, diagnosed or diagnosable except those incurred as a result of Injury |
24 months | Pre-existing conditions, Internal Congenital Anomalies, Benign Prostatic Hypertrophy, Dysfunctional Uterine Bleeding, Hysterectomy, Surgery for Prolapsed Inter Vertebral Disc unless arising from Accident, any medical expenses in connection with Alternative treatments etc |
48 months | Any medical expenses in connection with treatment for any mental Illness or psychiatric Illness, AIDS, HIV |
How can you buy this Policy?
Buy your Health Insurance Plan
We at Future Generali are committed to serve you and provide you convenient options to
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Visit any of our nearest Branch office
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Call us on our helpline numbers
1800-220-233
1860-500-3333
022-67837800
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Email us at fgcare@futuregenerali.in
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SMS “PRODUCT” to 9222211100 and we will arrange a call back.
Good health adds years to your life. Secure your family today by buying Future Generali Health Insurance Plan.
What happens next after I have purchased
When you become a Future Generali Health Customer, you will receive a membership pack containing the following:
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Health card to utilise cashless facility at Network hospitals
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Policy Schedule
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Premium Receipt
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80D certificate for tax deduction if the premium is paid via Credit Card/ Debit Card, Net Banking, or Cheque except cash payment.
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Claim Form
You can intimate your claim online or submit the form to your branch office or alternatively email us.
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Complaint / Feedback Form
Should you have any complaints/feedback, you can fill in the form and submit it to the nearest branch or email us.
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Grievance Redressal
Procedure along with list of ombudsman addresses. In case you are not satisfied with the resolution to the complaint as provided by us, you may approach the Insurance Ombudsman for review.
You can expect to receive this pack within 12-15 working days of purchasing our health insurance.
Making a Claim
At Future Generali, we will do everything to make your claim as simple and convenient. And here are few reasons why:
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We have an in-house claim settlement team that processes your claims within 30 working days from the time we receive your last necessary documentation.
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In order to get the periodic update on your claim, please ensure to mention your mobile number and e-mail Id on the claim form.
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Find out more about how to make a claim or check out our claim process.
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In-house team of professionals who can give specialised advice.
Contact our Helpline
In case you wish to speak to our experts about your policy, you can call us on:
1800-220-233
You ask. We answer.
Enjoy our value added services with Future Generali Health Privileges.
DOWNLOADS Brochure Proposal Form / Prospectus
Claim Form
Disclaimer For complete details of Policy coverage, terms, conditions and exclusions, please refer the policy wordings. Click here to view Policy Wordings.
Rarely have I come across any insurance company which has the fastest claim settlement as yours. Indeed a very pleasant experience. Thank You!
Sanket Shah
I have used many insurance policies for my car, but I found FUTURE GENERALI is the best amongst all companies. Service is really very fast and the large number of garages are working for perfect recovery.
Ganpat R Mali
This is the second time that the entire claims process have been handled & supervised very efficiently. Thank you for your support in this & we cherish our relationship on a continued basis.
N. Yogeshwaran
Appreciate the way my case was handled by providing timely claim settlement. This will definitely impact to me positively leading to positive word of mouth. I will definitely renew my insurance policy with future Generali only and also suggest in my friend circle.
Vijay Vagdoda
Claims with insurance companies are very difficult to recover, but with Future Generali I never got that feeling. From day one I was informed that my claim would be pass and that I shouldn't worry. I am very satisfied with Future Generali.
Kaizad Mistry
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Or SMS SERVE to 922 2211 100