Agent Login

AVO | FG Connect

eCare Login

Health Portal


Call Me

Interested in our Product? We will call back.

+ 91

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 (₹)
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

  • Congenital External Illness/ disease/ defect anomaly

  • 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)

  • Hormone replacement therapy, sex change or treatment which results from or is in any way related to sex change

  • 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)

    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

  • To view the list of Non – Payable items, click here.

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

  • Visit any of our nearest Branch office

  • Call us on our helpline numbers
    1800-220-233
    1860-500-3333
    022-67837800

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:

  • Health card to utilise cashless facility at Network hospitals

  • Policy Schedule

  • Premium Receipt

  • 80D certificate for tax deduction if the premium is paid via Credit Card/ Debit Card, Net Banking, or Cheque except cash payment.

  • Policy coverage and Terms & Conditions


Making a Claim

At Future Generali, we will do everything to make your claim as simple and convenient. And here are few reasons why:

  • 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.

  • 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.

  • Find out more about how to make a claim or check out our claim process.

  • 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.

What is Future Advantage Top-up Policy?
What is the difference between Future Health Surplus (Top-Up plan) and Future Advantage Top up (Super Top-up plan)?
What is deductible?
Is pre and post hospitalisation covered under Future Advantage Top-up Policy?
Is cashless mode of claim settlement available for Future Advantage Top-up Policy?
Why should I prefer high deductible policy?
When I will be eligible for waiver of deductible?
Can one take Future Advantage Top-up Policy as a stand-alone plan?
What is the entry age under Future Advantage Top-up Product?
What is the renewal age under Future Advantage Top-up Product?
What is the policy Tenure?
What are the plans available Future Advantage Top-up Product?
Do I need to undergo Medical tests for taking this policy?
Are pre-policy tests charges reimbursed and what is the amount?
Is there any waiting period in Future Advantage Top-up Policy?
Can I avail Future Advantage Top-up Policy as floater option?
Can I port my existing high deductible policy to Future Advantage Top-up Policy?
Do I get tax benefit under section 80D of IT act for premium paid to take Future Advantage Top-up Policy?
What should be my age if I want to buy this policy?
What are the Sum Insureds and deductible available in this policy?
What are the Premium mode availableunderFuture Advantage Top-up:
Will I get a discount on renewal if no claim is made during the year?
What are the Discounts available in the product?
Is there medical loading applicable under Future Advantage Top up?
Can Future Advantage Top-Up be availed by an NRI?
Can I cancel my policy and if yes will I get my premium back?
Can I cover my parents, brothers and sisters as dependants?
Can I buy more than 1 policy?
How is the premium charged in this policy?
Are Ayurvedic, Homeopathic,Unani treatments covered under the policy?
Is there any grace period available to renew the policy with a customer forgets to renew before the expiry date of the expiring policy?
Is there any provision of enhancing the Sum Insured after taking the policy?
Can a newly married spouse/new born child be added in the Health policy?
Under what all circumstances, Future Generali can decline a claim, even though the treatment was genuine?

Top reasons why this plan is ideal for you


1

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.

2

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).

3

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).

4

Portability

Port your existing policy with us to avail of benefits and services. Portability is as per the Portability guidelines of IRDAI.

5

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.

6

30 Days for Renewal

From the expiry date of the policy, you get 30 days grace period for renewal.

Enjoy our value added services with Future Generali Health Privileges.

Disclaimer For complete details of Policy coverage, terms, conditions and exclusions, please refer the policy wordings. Click here to view Policy Wordings.

Thank You!

We will contact you soon.

Need Help? Talk to us now

Or SMS SERVE to 922 2211 100