Future Advantage Top Up

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PLAN OVERVIEWWHAT'S NOT COVERED?HOW TO BUY?AFTER PURCHASINGFAQ'S

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).



Top reasons why this plan is ideal for you
1
Portability
Port your existing policy with us to avail of benefits and services. Portability is as per the Portability guidelines of IRDAI.

2 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.

3 30 Days for Renewal
From the expiry date of the policy, you get 30 days grace period for renewal.

4 Free Health Check-up
Get free health check-up at our empanelled diagnostic centers after every four claims free years subject to all required documentation/information being submitted.