Top-Up Insurance Plan
Top Up Health Insurance
Find out how this plan works for you
Its always better to be prepared. Extend your cover.
You already have a health policy, but will that cover any additional expenses? Especially in times when medical expenses are getting beyond everyone’s reach.
This plan supplements your existing health insurance where you can go for higher sum insured over and above a deductible limit. Available on Individual & Family floater basis.
18 years to 65 years with a lifetime renewal option.
3 months to 25 years can be covered if parent(s) are concurrently insured with Future Generali.
Maximum Sum Insured
|Sum Insured (Rs.)||Deductible per hospitalisation (Rs.)|
- Hospitalisation Expenses
This is covered not exceeding the opted sum insured.
- Inpatient Expenses
Room, board and 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
Pre-Acceptance Medical Tests
Age up to 55 years
Medical tests waived subject to no adverse health declaration on the proposal form.
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. Medical tests will be done in our empanelled diagnostic centre.
Exclusions of this plan
Consequential Loss of any Kind or Description
Loss or Damage Caused by Depreciation or Wear and Tear
Damage to Contents of a Consumable Nature
Loss or Damage to Mobile Phones or Similar Communication Devices
- 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
Good health adds years to your life. Secure your family today by buying Future Generali Health Insurance Plan.
What happens next after you have purchased
When you become a Future Generali Health Customer, you will receive a membership pack containing the following:
- Claim Form
You can intimate your claim online or submit the form to your nearest branch or alternatively email 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
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 theInsurance 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:
We have an in-house claim settlement team that processes your cashless claims within 90 minutes from the time we receive your cashless request and reimbursement claims within 14 working days from the time we receive your complete claim documents.
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:
You ask. We answer.
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.
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 has very attractive premium rates and can be opted in combination with Health Suraksha to provide higher coverage at reasonable premium.
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.
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).
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.
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.
Yes, there are waiting periods for joint replacement (3 years) and Pre- existing condition (4 years).
Yes, you can insure yourself, your spouse and up to 2 dependent children under a floater policy.
Yes, you may port your existing policy by applying to us 45 days before your policy expiry date.
Yes. Tax benefits are available for health insurance policies under Sec. 80D of the Income Tax Act.
Top reasons why this plan is ideal for you
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.
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).
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.
Rarely have I come across any insurance company which has the fastest claim settlement as yours. Indeed a very pleasant experience. Thank You!
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.
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.
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.
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