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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 ..
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.
Eligibility
Entry Age
Adults
18 years to 65 years with a lifetime renewal option.
Children
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.)
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
What's Covered
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.
Top reasons why this plan is ideal for you
1 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.
2 Floater Benefit
Under a single sum insured, cover yourself and your Family (family means Self, Spouse and up to 2 dependent children until 25 years).
3 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).
4 Portability
Port your existing policy with us to avail of benefits and services. Portability is as per the Portability guidelines of IRDAI.
5 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.
6 .30 Days for Renewal
From the expiry date of the policy, you get 30 days grace period for renewal.
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
