What is Top Up Insurance?

Healthcare can be financially demanding, even if you already have health insurance. Sometimes, a medical expense can be beyond your insurance coverage. In such cases, increasing your health insurance coverage may help you out.

Is it possible? Yes, Future Generali’s health insurance top-up allows you to extend your coverage. By opting for it, you are insured for a larger amount. Therefore, you can opt for the best treatment rather than settling for average. The insurance is available on an individual and family basis.

Why buy Top Up?

Floater Benefit

We cover both your parents under the same policy.

Portability

Our doors are always open. So, port your existing senior citizen insurance policy with us without any hassle.

Free Look Period

We respect your choice. So, if you ever wish to cancel the policy, you can do it without any penalty within 15 days from purchase.

30 Days for Renewal

We know you are busy. So, we give you 30 grace days to renew your plan after expiry.

Quick Turnaround Time

Our average turnaround time for claims settlement is within 30 working days.

Flexibility

We are very flexible and you can cover your spouse and children also.

What is covered?

Our Top-Up insurance provides you with extended coverage. With it, you no longer have to compromise in your treatment. Here’s what the policy covers:

INCLUSIONS

Hospitalisation expenses

Hospitals are getting expensive by the day. But your savings are safe, thanks to our top-up policy. With our policy, you can solely focus on your treatment without worrying about your savings.
Inpatient expenses

Our plan takes care of the room, boarding, and nursing expenses. Medication, x-ray, tests, and consultant fees are also covered.
Other Inpatient Expenses

We cover medicines, diagnostic materials, X-ray, operation theatre costs, specialist fees, consultants, etc.

What is not covered?

EXCLUSIONS

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

What are the eligibility and sum insured in the Health Insurance Top-up plan?

We secure

Adults: 18 years to 65 years of age. There is a lifetime renewal option
Children: 3 months to 25 years of age, provided the parents are simultaneously insured with us

Our maximum sum insured is (Rs)

Sum Insured Deductible per hospitalization

3,00,000 2,00,000

5,00,000 2,00,000 - 3,00,000

7,00,000 3,00,000

10,00,000 5,00,000

Pre-Acceptance Medical Tests

Age up to 55 years

Medical tests waived subject to no adverse health declaration on the proposal form.
Age over 55 years

Medical tests required and 50% of the test charges are reimbursed, if you or family members are insured with us.
Medical Report validity

30 days from the day tests were done.

What Future Generali Health Insurance Offers

94%

Claim Settlement Ratio
3 hr

Cashless Settlement
6000

Cashless Hospitals

How to buy Top Up Insurance

You can purchase our policies in several ways:

You Can Call On Our HELPLINE

1800-220-233 / 1860-500-3333 / 022-67837800

SEND US AN EMAIL

fgcare@futuregenerali.in

VISIT BRANCH

Walk-in to any of our nearest branches

BRANCH LOCATOR

What happens after purchase?

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.

Health Card for Cashless Treatment It is for utilising cashless facility at network hospitals. You can even avail discounts which are offered by our allied partners. Check out the FGH Privilege section for getting more details.
Policy Schedule You will receive the policy schedule. It is an outline of the cover which is provided by the purchased policy. Details of the policyholder, coverage amount, additional clauses, exclusions, warranties etc will be given in this policy.
Premiums Receipt You will receive the receipt of the premium amount you have paid to purchase this policy.
80D Tax Deduction Certificate 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 This is a comprehensive document which lists down the coverage offered by the policy along with terms and conditions. It is better to read this thoroughly and highlight important points. In case of any discrepancy or doubt, do get in touch with us immediately.
Claim Form You can either intimate your claim online or submit the form to a branch of your choice. You can also email the claim details to us.
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.
Grievance Redressal In case you aren’t satisfied with the resolution provided by us to your complaint, then you can approach the Insurance Ombudsman. This form will have details about the procedure to approach the insurance ombudsman along with the addresses of the ombudsman.

What is the reimbursement claim process?

Our claim settlement process is fast and relaible

1

Collate Documents
Upon discharge, pay all hospital bills and collect all original documents of treatment undergone and expenses incurred
2

Claim Form

Download and fill the FG health claim form
3

Document Submission

Submit original documents to the nearest Future Generali branch
4

Claim Settlement
We will settle the claim in subject to policy terms and conditions

What is cashless claim process?

File your claim in minutes with Future Generali’s easy four-step claim process

1

Visit Hospital

Approach an insurance desk of your nearest FG Network Hospitals and show your health card for Cashless Treatment
2

Verify Yourself
The Network Hospital will verify your identity and submit duly filled pre-authorization form with Future Generali
3

Get Admitted
You get admitted without any deposit and get cashless treatment
4

Peace 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 hospital

FAQs – Frequently asked questions

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Can I port my existing high deductible policy to Health Surplus?

Yes, you may port your existing policy by applying to us 45 days before your policy expiry date.

Is there any waiting period in Health Surplus policy?

Yes, there are waiting periods for joint replacement (3 years) and Pre- existing condition (4 years)

Do I need to undergo Medical tests for taking this policy?

No tests would be conducted in case of proposer/insured less than 55yrs and subject to clean proposal form (without health declaration). However in case of any health declaration medical test may be required regardless of age.

What is Health Surplus Policy?

Health Surplus 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.

Is pre and post hospitalisation covered under Health Surplus?

Yes, pre (60 days) and post (90 days) hospitalisation is covered.

What do you mean by per claim deductible?

It means prescribed deductible amount will be reduced from each admissible claim and balance amount paid. In cases where relapse within 45 days of first hospitalisation, single deductible will be applied on the total claim amount.

Can I avail Health Surplus as floater option?

Yes, you can insure yourself, your spouse and up to 2 dependent children under a floater policy.

If one takes a Health Surplus with Sum Insured of Rs. 5 lakhs and deductible of Rs. 2 lakhs, how much will he be paid if a claim arises?

The maximum indemnity for Rs. 5 lakhs coverage with Rs. 2 lakhs deductible is Rs. 5 lakhs. For eg. If the Sum Insured is Rs. 5 lakhs and deductible is Rs. 2 lakhs, our liability for a claim of Rs. 7 lakhs would be Rs. 5 lakhs (which is over and above the deductible).

Can one take Health Surplus as a stand-alone plan?

Yes, Health Surplus can be taken as a stand-alone plan. It can also be taken alongwith Health Suraksha or any other Individual Health Insurance or Group Insurance Plans.

Is cashless mode of claim settlement available for Health Surplus?

Yes, cashless facility is available.

Why should I prefer high deductible policy?

In cases where the actual medical expenses cross the threshold limit i.e. deductible, this policy will help. Moreover this policy has very attractive premium rates and can be opted in combination with Health Suraksha to provide higher coverage at reasonable premium.

Do I get tax benefit under section 80D of IT act for premium paid to take Health Surplus?

Yes. Tax benefits are available for health insurance policies under Sec. 80D of the Income Tax Act.