Future Generali Future Advantage Top Up

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

• 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.