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Health Insurance Plans
FUTURE ADVANTAGE TOP UP
Future Advantage Top Up 
Our Health Insurance covers Coronavirus*
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 (₹) |
---|---|
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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It takes just a few minutes to generate your quote online. Get your Advantage Top Up quote here
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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.
Future Advantage Top-Up is a high deductible health insurance plan which pays for inpatient medical expenses in excess of the prescribed deductible limit. The deductible will apply on aggregate basis towards hospitalisation expenses incurred during the policy period.
Future Health Surplus (Top-Up plan) is a high deductible health plan which pays for inpatient medical expenses in excess of the prescribed deductible limit. The deductible is applied on each and every claim.
Future Advantage Top-Up (Super Top-up plan) is similar to top—up plan, except that in top-up plan the deductible is applied on each and every claim whereas in super top-up plan the deductible will apply on aggregate basis towards hospitalisation expenses incurred during the policy period.
The illustration below will help you better understand how both these plans are beneficial.
Scenario | Future Health Surplus (Top-up Plan) | Future Advantage Top-up (Super Top-up Plan) |
---|---|---|
Policies | Mr Gupta has a base health insurance policy of ₹ 5 lacs sum insured. | |
In case he buys a Future Health Surplus (Top-up) policy of ₹ 10 lacs Sum Insured with ₹ 5 lacs deductible | In case he buys a Future Advantage Top-up (Super Top-up) policy of ₹ 10 lacs Sum Insured with ₹ 5 lacs deductible | |
Case 1: Single claim There is a single claim of ₹ 12 lacs | a) Base health Insurance plan will cover ₹ 5 lacs. b) Future Health Surplus (Top-up) policy will cover the remaining ₹ 7 lacs as it exceeds deductible (of ₹ 5 lacs). |
a) Base health Insurance will pay ₹ 5 lacs. b) Future Advantage Top-up (Super Top-up) policy will cover the remaining ₹ 7 lakhs as it exceeds deductible (of ₹ 5 lacs). |
Case 2: Multiple claims There are 2 claims: (i) 1st claim of ₹ 4 lacs (ii) 2nd claims of ₹ 4 lacs | a) Base health Insurance plan will cover ₹ 4 lacs for the 1st claim. b) Base health Insurance plan will cover ₹ 1 lac for the 2nd claim. c) There will be no claims pay-out from Future Health Surplus (Top-up) policy as the individual amount of claim does not exceed the deductible (of ₹ 5 lacs). |
a) Base health Insurance plan will cover ₹ 4 lacs for the 1st claim. b) Base health Insurance plan will cover ₹ 1 lac for the 2nd claim. c) Future Advantage Top-up (Super Top-up) policy will cover the remaining ₹ 3 lakhs as the aggregate of both claims exceeds deductible (of ₹ 5 lacs) |
Case 2: Multiple claims There are 2 claims: (i) 1st claim of ₹ 7 lacs (ii) 2nd claims of ₹ 4 lacs | a) Base health Insurance plan will cover ₹ 5 lacs for the 1st claim. b) Future Health Surplus (Top-up) policy will pay the remaining ₹ 2 lacs for the 1st claim. c) No claim is payable for the 2nd claim as it does not exceed the deductible limit (of ₹ 5 lacs). |
a) Base health Insurance plan will cover ₹ 5 lacs for the 1st claim. b) Future Advantage Top-up (Super Top-up) policy will pay the remaining ₹ 2 lacs for the 1st claim. c) Future Advantage Top-up (Super Top-up) policy will pay ₹ 4 lacs for the 2nd claim. |
Deductible means a cost sharing requirement under a health insurance policy where the insurance company will not be liable for eligible medical expenses up to a specified rupee amount, that incur in a policy period, as opted i.e. it is the amount up to which the insurance company will not pay for all the claims incurred in a policy year under the policy.
- The Deductible will apply on Individual basis in case of Individual Policy and on family floater basis in case of Family Floater Policy.
- A Deductible does not reduce the Sum Insured.
Example of Deductible:
Insured A has policy (Policy Period - 1st Jan 2018 to 31st Dec 2018)
Scenario 1 | Scenario 2 | Scenario 3 | |
---|---|---|---|
Sum Insured | 500000 | 500000 | 500000 |
Deductible | 100000 | 200000 | 300000 |
*Claim 1 | 75000 | 100000 | 100000 |
*Claim 2 | 125000 (Claim is for the same illness within 45 days) |
125000 | 150000 |
*Claim 3 | 100000 (Claim is for ailment falling in 2 years waiting period) |
100000 | 50000 |
*Claim 4 | 100000 | 500000 | 100000 |
Payable Amount for Claim 1 | Nil | Nil | Nil |
Payable Amount for Claim 2 | 100000 | 25000 | Nil |
Payable Amount for Claim 3 | Nil (As there is waiting period of 2 years) |
100000 | Nil |
Payable Amount for Claim 4 | 100000 | 375000 | 100000 |
Remaining Sum Insured | 300000 | Nil | 400000 |
Yes, pre (60 days) and post (90 days) hospitalisation is covered
Yes, cashless facility is available
In cases where the actual medical expenses cross the threshold limit i.e. deductible, this policy will help. Moreover this policy provide extra coverage at low premium and can be opted in combination with other Health Insurance Policies (e.g. Future Health Suraksha/ Health Total) to provide higher coverage at reasonable premium.
You have an option to opt for waiver of the Deductible and opt for any indemnity health insurance policy (without any Deductible) offered by Us for the same Sum Insured without re-valuation of health status or any Pre-Policy check-up provided that:
You/ Insured Person has been insured with Us for the first time under this Policy before the age of 50 years and have Renewed with Us continuously and without any break in insurance for a minimum period of 5 years.
This option for waiver of Deductible can be exercised by You/ Insured person at Renewal when Your/ Insured Person’s completed age is within the age group of 54-60 years however only after being continuously renewed under this Policy without any break for a period of 5 years or more.
Yes, Future Advantage Top-up Policy can be taken as a stand-alone plan. It can also be taken along with other Health Insurance Policies (e.g. Future Health Suraksha) or Group Insurance Plans.
The product is offered from Day 1 to Lifelong
Lifelong Renewability is available under Future Advantage Top-up.
The policy terms are 1 year, 2 years and 3 years.
Supreme Plan – includes cover for all ailments including Heart related conditions and Cancer
Elite Plan – includes cover for Cancer and ailments related to Heart
Yes, 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.
There is 100% reimbursement of Pre-Policy Tests charges, subject to policy issuance and 64 VB compliance.
Yes, there are waiting periods as detailed in the table below:
Waiting Period | Diseases |
---|---|
30 days | Any illness, diagnosed or diagnosable except those incurred as a result of Injury |
24 months | *Pre-existing Disease/ conditions Internal Congenital Anomalies, Benign Prostatic Hypertrophy, Dysfunctional Uterine Bleeding, Fibromyoma, Endometriosis, Hysterectomy, all internal or external tumors/ cysts/ nodules/ polyps of any kind including breast lumps with exception of malignant tumor or growth, Surgery for Prolapsed Inter Vertebral Disc unless arising from Accident, any types of gastric or duodenal ulcers, stones in the Urinary and Biliary systems, Surgery on ears, Organ transplant, Rheumatoid Arthritis, Gout, Joint replacement Surgery due to Degenerative condition, Age related Osteoarthritis and Osteoporosis unless such joint replacement Surgery is necessitated by accidental Bodily Injury. |
48 months | Any medical expenses in connection with treatment for any mental Illness or psychiatric Illness, AIDS, HIV |
Yes, you can insure yourself, your spouse and up to 3 dependent children under a floater policy.
Or, you can insure yourself, your spouse and 5 dependent children under a floater policy.
Yes, Portability will be granted to Policy holders of a similar Health Policy of another Insurer to Future Advantage Top-up Policy. Insured may apply 45 days in advance of the policy renewal date, but not earlier than 60 days from the premium renewal date of his/ herexisting policy to avail portability benefits..
Yes. Tax benefits are available for health insurance policies under Sec. 80D of the Income Tax Act.
An individual of age 18 years can buy this policy.
Sum Insured (in ₹ ) | Deductible (in ₹) | |||||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|
1 L | 2 L | 3 L | 4 L | 5 L | 7.5 L | 10 L | 15 L | 20 L | 30 L | 40 L | ||
50000 | v | – | – | – | – | – | – | – | – | – | – | – |
100000 | v | v | – | – | – | – | – | – | – | – | – | – |
150000 | v | – | – | – | – | – | – | – | – | – | – | – |
200000 | v | v | v | – | – | – | – | – | – | – | – | – |
300000 | v | v | v | v | – | – | – | – | – | – | – | – |
500000 | v | v | v | v | v | v | – | – | – | – | – | – |
750000 | – | – | v | v | v | v | v | – | – | – | – | – |
1000000 | – | – | v | v | v | v | v | v | – | – | – | – |
1500000 | – | – | v | v | v | v | v | v | v | – | – | – |
2000000 | – | – | v | v | v | v | v | v | v | v | – | – |
2500000 | – | – | v | v | v | v | v | v | v | v | – | – |
3000000 | – | – | – | – | – | v | v | v | v | v | v | – |
4000000 | – | – | – | – | – | v | v | v | v | v | v | v |
5000000 | – | – | – | – | – | v | v | v | v | v | v | v |
10000000 | – | – | – | – | – | v | v | v | v | v | v | v |
For 1-yearpolicy term, premium can be paid on:
- annual basis
For 2 and 3 years policy term, premium can be paid on:
- Single premium payment with Long term discount
- Instalment basis - Half-yearly/ Quarterly/Monthly mode.
Please note instalment facility is currently available for policy terms of 2 years and 3 years only &Insureds have an option of paying premium on instalment basis.
Instalment Loading – Loading will be applicable on Standard premiums in case of instalments
Instalment frequency | Loading on standard premiums |
---|---|
Monthly | 5% |
Quarterly | 4% |
Half-yearly | 3% |
In case of instalment, if monthly mode is opted, minimum 2 months premium needs to be collected for policy issuance.
We will provide cumulative bonus for every claim free year. We shall increase in the Sum Insured by 10% towards Cumulative Bonus for every claim free year on the basic Sum Insured up to the maximum of 50% of the sum insured.
The Discounts available under the Future Advantage Top-up are
Family discount – 10% Family discount, in case if more than one insured covered under the same policy on individual sum insured basis. For the policy with coverage for one adult with one or more children, the family discount shall be on basis of age of the Adult specified in the table below.
Family discount (Individual policies) | |
---|---|
Age Bands | Discount |
<=70 | 10% |
71-75 | 7.5% |
76 And above | 5% |
Long term discount – Applicable in case of single premium payment for policy term of more than one year
Number of years | Discount |
---|---|
1 year | Nil |
2 year | 5% |
3 year | 10% |
Loyalty discount – 2.5% loyalty discount if the client already has a separate health insurance policy (other than Future Advantage Top-up/ Personal Accident/ Travel) from Future Generali India Insurance Co. Ltd.
The loyalty discount shall continue only if the insured maintains the separate health insurance policy with us. Please provide the policy copy to avail the discount. In case the policy copy is not submitted, discount shall not be allowed
Direct Sales Discount – A discount of 15% in lieu of intermediary commissions if policy is taken directly from the insurer and /or Online.
Plan Discount – If an Insured opts for Elite Plan, then a discount of 30% shall be available on the premium applicable for Supreme Plan
Applicable based on health status of the proposed Insured person. Underwriting loading of premium will be applicable on the particular Insured’s premium in case of Individual policy and Floater policy
No, Future Advantage Top-Up can be availed by Indian National only.
Yes, you can cancel the policy – Client will need to submit nil claim declaration against the said policy. However refund amount will depend on duration of coverage of policy period. No refund of premium shall be due on cancellation if the Insured Person has made a claim under this Policy.
In case the Policy Period is of one year, We shall refund premium on short term rates for the unexpired Policy.
In case the Policy Period exceeds one year, this Policy may be cancelled by You at any time by giving at least 15 days written notice to Us. We shall refund premium on a prorate basis by reference to the time period for which cover is provided, subject to a minimum retention of premium of 25%.
In case of Policy Period more than one year, with instalment premium, the Rate of Premium refunded on cancellation will be basis the Instalment Frequency & Cancellation request received.
Client can cover Up to 5 Dependent children and 2 dependent parents under Individual plan in the single policy.
Sisters and brothers cannot be covered as dependants.
No, one member cannot buy multiple policies.
Premium is charged on the basis of Age of Insured person, Sum Insured & Deductible opted.
Yes, however the waiting period of 24 months will be applicable from inception of Your first Future Advantage Top-Up Policy with Us. We cover the Medical Expenses incurred under Alternative Treatment with respect to the Hospitalization under Ayurveda, Unani, Siddha or Homeopathy provided that the Treatment has been undergone in a government Hospital or in any institute recognized by government and/or accredited by Quality Council of India/ National Accreditation Board on Health for that Alternative Treatment.
A Grace Period of 30 days is permissible for all policies. Policy will be considered as continuous for the purpose of all waiting periods and cooling off period. For Renewal Proposal received after completion of Grace Period of 30 days, all waiting periods would apply afresh.
No increase/ decrease in Sum Insured during the currency of the Policy. However increase/ decrease in Sum Insured and/or deductible or change in cover, can be requested at the time of Renewal of the Policy. You can submit a request for the changes by filling the Proposal before the expiry of the Policy.The enhancement is subject to underwriting guidelines and policy terms & conditions.
Yes, A person may be added as an insured during the Policy Period after his application has been accepted by Us, an additional premium has been paid and Our agreement to extend cover has been indicated.
Product will cover claims of only those benefits that are mentioned in the Policy Wordings. Claims that are out of scope of the coverage / excluded in the product will get declined. Also in the event of misrepresentation, misdescription or non-disclosure of any material fact, fraud, Non-cooperation the claim will get declined.
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 2 dependent children until 25 years).
Quick Turnaround Time
Our average turnaround time is 90 minutes for cashless claims and you get Reimbursement Claims settlement within 14 working days (Subject to all required information/documentation being submitted).
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.
Top reasons why this plan is ideal for you
Cashless facility
4200 empanelled hospitals in 492 cities offer cashless facilitiyLess than 2 hour turnaround time ***
Reimbursement Claims
14 working days*** settlement
Portability
You can port your existing policy with us to avail of benefits and services. Portability as per the Portability guidelines of IRDAI
Grace Period
You can renew your Policy within 30 days from the date of expiry of your policy and continue to enjoy the benefit for all the waiting periods.
Free Look Period
If dissatisfied with the coverage, and terms and conditions of the policy, opt for cancellation of the policy within 15 days from the date of receipt of the policy documents. Ensure there has been no claim and you will be entitled to a refund as per the Policy terms and conditions
* Refer brochure for complete details.
** Family comprises of Self, Spouse and 2 dependent children upto 25 years.
*** Subject to all required documentation/information submitted.
Network Hospitals
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.
* Subject to Terms & Conditons and waiting Periods given in Policy Wordings
Product Name:-Future Advantage Top Up UIN NO:-FGIHLIP21155V022021 Launch Date:-1st October 2020
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
Thank You!
We will contact you soon.