Future Generali Future Advantage Top Up Health Insurance
Cashless Approval TAT | 2 hr Cashless Claim Processing |
Claim Settlement Ratio | 94% |
COVID-19 Cover | Yes |
Network Hospitals | 8,400+ |
Renewability | Yes |
Special Benefits | Complimentary Teleconsultation |
About Future Generali Future Advantage Top Up Health Insurance
Future Advantage Top Up is an additional policy that helps in extending health coverage. Reliable and affordable, the policy offered is a deductible health insurance plan that provides extra protection at a low premium compared to any traditional health insurance plan. Future Generali Advantage Top Up, available for a policy term range of 1 year to 3 years, can be availed on individual and family floater basis, and that too at a low premium. A great backup plan to an existing cover, Future Advantage Top Up can be availed under two different plans, Supreme and Elite, which vary in coverage.
Available with a wide sum insured range starting from Rs. 50,000 up to Rs. 100 Lakh, Future Generali Advantage Top Up, under its Supreme Plan provides coverage for all ailments including Heart-related conditions and Cancer. Likewise, under its Elite variant, the policy offers coverage for Cancer and ailments related to Heart only. All the inpatient hospitalisation costs, including room rent expenses, cost of medicines & drugs, diagnostic materials, doctor's fees, blood and oxygen expenses, and others are covered under Future Advantage Top Up.
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Key Inclusions and Exclusions of the Plan
What's Included
- Day care expenses
- 60 days pre-hospitalisation medical expenses
- 90 days post-hospitalisation medical expenses
- Emergency ambulance expenses, maximum up to Rs. 2,000 per hospitalisation
- Hospitalisation under Ayurveda, Unani, Siddha or Homeopathy at the end of continuous period of 2 years
What's Not Included
- Pregnancy or infertility
- Domiciliary treatment, treatment outside India
- War, civil war, hazardous activities, or breach of law
- Sex change surgery, circumcision, cosmetic surgery and plastic surgery
- Refractive error correction, corrective & cosmetic dental surgeries, hearing impairment correction
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Future Generali Advantage Top Up Expert Review
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Major Attractions
Future Advantage Top Up is a great top up plan to invest in to enjoy uninterrupted medical treatment, no matter what. Helping people cover expenses for inpatient hospitalisation treatment, pre-hospitalisation, post-hospitalisation, and various others, Future Advantage Top Up is a combination of beneficial features. The long list of rewarding aspects that the policy comprises includes -
- Cover for all ailments inclusive of Heart related conditions and Cancer - Supreme Plan
- Cover for Cancer and ailments related to Heart only - Elite Plan
- Day care treatment expenses
- Organ donor expenses
- Alternative treatment
- Emergency ambulance
- Cumulative Bonus - 10% for every claim free year to a maximum of 50% of sum insured
- 100% reimbursement of pre-insurance medical tests charges, as per policy issuance
- Facility of instalment premium payment available on monthly, quarterly and half yearly
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What’s More?
Future Advantage Top Up proves to be the ultimate top up policy one can ask for. Becoming active when medical expenses are getting beyond one’s limits, the policy has a series of fruitful features to offer to make the experience worthwhile. However, there’s more to the policy than just cover. The additional elements that make Future Advantage Top Up a gem include -
- Lifelong renewal of policy
- Flexible to purchase and tax benefit provision under Section 80D of the Income Tax Act
- Family discount - 10% discount on covering more than one insured on individual sum insured basis
- Long-term discount - 5% discount for a 2-year policy & 10% discount for a 3-year policy
- Loyalty discount - 2.5% discount if the insured already has a retail policy from the insurer
- Plan discount - On opting for Elite plan, you get a 30% discount on premium applicable for Supreme Plan
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Conclusion
Needless to say, Future Advantage Top Up is ideal in every which way for an individual seeking extra protection. You can opt for this top up plan to get your medical needs met without thinking twice.
It is advisable to buy Future Advantage Top Up online to enable quick issuance. Also, you can choose InsuranceDekho for the same and benefit from policy portability & transparency, claim settlement support, and other advantages.
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FAQs on Future Advantage Top Up Health Insurance Plan
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Does Future Advantage Top Up provide coverage for children?
Yes! You can get your children covered under Future Advantage Top Up, if they belong to the age range of Day 1 to 25 years.
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What is the policy term for which I can buy Future Advantage Top Up?
For Future Advantage Top Up, the minimum policy period is 1 year. The maximum policy term is 3 years.
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Is Future Advantage Top Up renewable for life?
Yes! Future Advantage Top Up comes with lifelong renewability feature.
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What is the deductible range under Future Advantage Top Up?
The deductible range under Future Advantage Top Up starts from Rs. 50,000 and goes up to Rs. 40 Lakh.