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COMMERCIAL INSURANCE

Future Advantage Top-Up-Group

Future Advantage Top-Up is a deductible health insurance product with high Sum Insured options to provide extra coverage at low premium.

The deductible will apply on aggregate basis towards hospitalisation expenses incurred during the policy period.

Salient features:

  • Policy term

    • 1 year in case of non-credit linked policies
    • Upto 5 years or up to loan period, whichever is less in case of credit linked policies
  • 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 ailments related to Heart only.
  • The product is applicable for groups as defined under IRDAI group guidelines

  • The product will be offered on Individual & Family floater sum insured basis

Whats Covered
  • In-patient treatment

  • Day care treatment expenses

  • Pre-hospitalisation medical expenses

  • Post-hospitalisation medical expenses

  • Alternative treatment

  • Organ Donor expenses

  • Emergency Ambulance

Whats not Covered
  • Venereal/ Sexually Transmitted disease other than HIV/AIDS

  • Cosmetic, aesthetic or related treatment

  • War, Invasion, Act of Foreign Enemy, War like operations (whether war be declared or not)

  • Expenses incurred towards treatment of Illness/ disease/ condition arising out of alcohol use/ misuse or abuse of alcohol, substance or drugs (whether prescribed or not)

  • Intentional self-Injury

  • Injury or Disease directly or indirectly caused by or contributed to by nuclear weapons/ materials

  • The treatment of obesity (including morbid obesity) and other weight control programs, services and supplies

  • Congenital External Illness/ disease/ defect/ anomaly

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

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