Future Advantage Top up

Future Generali Future Advantage Top Up benefits

• Benefits of Future Generali Future Advantage Top Up

  Plan Options

  • Available on Individual & Family floater basis.
  • 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).

  Plan Variants

  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 Ailments 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 Table

  Sum Insured (₹ INR)	Deductible (₹ INR)
  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

• Coverages of Future Generali Future Advantage Top Up

  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

  • Pre & Post Hospitalisation: From 60 days prior and 90 days post
  • Day Care expenses: Covers 409 procedures
  • Organ Donor Expenses: Medical expenses for an organ donor’s inpatient treatment for the harvesting of the organ donated is also covered
  • 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.
  • Portability: Port your existing policy with us to avail of benefits and services. Portability is as per the Portability guidelines of IRDAI.
  • 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.

• Exclusions of Future Generali Future Advantage Top Up

  • Congenital External Illness/ disease/ defect anomaly
  • Expenses incurred towards treatment of Illness or Injury arising out of alcohol use/misuse or abuse of alcohol, narcotic substance or drugs (whether prescribed or not)
  • Hormone replacement therapy, sex change or treatment which results from or is in any way related to sex change
  • Injury or Illness directly or indirectly caused by or arising from or attributable to war, invasion, act of foreign enemy, war like operations (whether war be declared or not)

  Disclaimer "For the detailed list of exclusions under the policy, kindly refer to the same provided in your policy kit”