Collate Documents
Upon discharge, pay all hospital bills and collect all original documents of treatment undergone and expenses incurredA top-up plan is your umbrella for the days when it rains too hard, and you only have a raincoat. This extended plan is necessary because:
· The medical costs are rising more sharply than inflation.
· Only a higher sum insured can beat rising medical expenses.
· Critical medical situations need wider coverage.
· Lower premiums.
· Additional tax saving.
We are open to all your conditions. You can get this policy even if you do not have a Mediclaim plan.
Unity is strength. We allow you to cover yourself, spouse and 3 or 5 dependent children up to the age of 25 years.
We welcome you with open arms. You can port your existing insurance plan with us easily.
We wish you only the best. So, in case you do not like the plan, cancel it within 15 days from purchase.
We know you are occupied. So, we allow you 15 days of grace for policy renewal.
We settle our dues in time. Give us 90 minutes to process cashless claims and 14 working days for reimbursements.
Get access to specialized doctor consultations right at your fingertips.
You deserve to have full and truthful information. Our top plan excludes:
Congenital diseases & illnesses
Any unnatural cause of physical injury like alcohol, drug influence, etc.
Injury or illness caused in a war, invasion or other similar operations
Hormone or sex-change related treatment
Non-prescribed drugs & medicines
Supreme plan: Includes all ailments, as well as heart issues and cancer
Elite plan: Includes cancer and heart ailments
Anyone who is 18 years of age can buy our plan. We also offer lifetime renewability
The plan covers children from day one up to 25 years
Minimum – 1 year
Maximum – 3 years
WAITING PERIOD |
DISEASES |
---|---|
30 days |
Any illness, diagnosed or diagnosable except |
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, Alternative treatments, etc. |
48 months |
Mental Illness or psychiatric Illness, AIDS and HIV |
We only need some basic details to give you a quote.
Once you secure the insurance cover, you get a financial assurance for all your health needs. You also get documents for your better understanding and convenience.
Our claim settlement process is fast and relaible
Collate Documents
Upon discharge, pay all hospital bills and collect all original documents of treatment undergone and expenses incurredClaim Form
Download and fill the FG health claim form
Document Submission
Submit original documents to the nearest Future Generali branch
Claim Settlement
We will settle the claim in subject to policy terms and conditionsFile your claim in minutes with Future Generali’s easy four-step claim process
Visit Hospital
Approach an insurance desk of your nearest FG Network Hospitals and show your health card for Cashless Treatment
Verify Yourself
The Network Hospital will verify your identity and submit duly filled pre-authorization form with Future GeneraliGet Admitted
You get admitted without any deposit and get cashless treatmentPeace of Mind
Once you are discharged, the hospital will send your claim documents to FG and the authorized amount will be settled directly with the hospitalYes, 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, 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.
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.
The policy terms are 1 year, 2 years and 3 years.
The product is offered from Day 1 to Lifelong
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.
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.
No, Future Advantage Top-Up can be availed by Indian National only.
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 |
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
Premium is charged on the basis of Age of Insured person, Sum Insured & Deductible opted.
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.
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 |
There is 100% reimbursement of Pre-Policy Tests charges, subject to policy issuance and 64 VB compliance.
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. |
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. Tax benefits are available for health insurance policies under Sec. 80D of the Income Tax Act.
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.
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.
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.
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 |
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
For 1-yearpolicy term, premium can be paid on:
For 2 and 3 years policy term, premium can be paid on:
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.
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.
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.
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.
Lifelong Renewability is available under Future Advantage Top-up.
No, one member cannot buy multiple policies.
Yes, cashless facility is available
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.
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.
An individual of age 18 years can buy this policy.
Yes, pre (60 days) and post (90 days) hospitalisation is covered
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.
The pandemic has most of us confined to our homes, working from our dining tables, sofas,
Read MoreWith increasing scientific evidence showing how a lack of sleep can negatively affect your health,
Read MoreAs the pandemic due to the Covid-19 virus rages across the world, it is now more important
Read MoreBeing in debt can be unsettling and frustrating, making you insecure about your financial future.
Read MoreThe coronavirus pandemic has made exercising outdoors or at fitness centres really challenging.
Read MoreBusy schedules, erratic work timings, irregular meals and easy access to restaurant food
Read MoreAccording to the World Health Organization (WHO), more than 5% of the world’s population needs
Read MoreOut of a population of 130 crore, only 4.2 crore Indians, are covered by retail health insurance plans.
Read MoreFor many of us, keeping our family happy and in good health is our main priority. Unfortunately,
Read MoreAccording to the World Health Organization (WHO), more than 5% of the world’s population needs
Read MoreHave you ever noticed how, after eating certain foods, your mood seems to have suddenly improved
Read MoreWe all know that fibre is an essential part of a healthy, balanced diet, helping us to maintain a well-functioning
Read MoreA great hobby is more than just a bit of fun. It can also be a way to make new friends, improve
Read MoreIn a world that endlessly tempts us with ads for sleek new smartphones, mega sales, exotic holidays,
Read MorePRODUCT NAME: FUTURE ADVANTAGE TOP UP | UIN NO: FGIHLIP23053V032223 | LAUNCH DATE: 05TH-SEP-2022
I’m here to offer you friendly advice and help.
Are you sure you want to end the session?
Session expire in 1:00
Do you want to continue chat?