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Future Generali Health Surplus Health Insurance

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Future Generali Health Insurance
Health Surplus
Claim Settlement Ratio94%
Network Hospitals8,400+
Cashless Approval TAT2 hr Cashless Claim Processing
Special BenefitsComplimentary Teleconsultation

About Future Generali Health Surplus Health Insurance

You already have a health policy, but what happens if there are additional treatment expenses? Will your regular health insurance plan cover that? Future Generali’s Health Surplus plan is a top-up plan that supplements your existing health insurance plan with a higher sum insured over and above the deductible limit. The plan provides cover for treatment expenses during hospitalisation due to illness or accident.

It is a smart top-up health insurance plan that boosts your health insurance coverage with a low premium. The sum insured options available under the plan is Rs. 3 Lakh, Rs. 5 Lakh, Rs. 7 Lakh and Rs. 10 Lakh with deductible options of Rs. 2 Lakh, Rs. 3 Lakh and Rs. 5 Lakh. The plan is available on both individual and family floater basis. This top-up plan offers additional protection in case of major health conditions.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Expenses related to room rent, boarding and nursing charges
  • Surgeon, consultants, medical practitioner fees
  • Anesthesia, blood, oxygen, operation theater charges
  • Pre-hospitalisation expenses incurred within 60 days
  • Post-hospitalisation expenses incurred within 90 days

What's Not Included

  • Treatment related to obesity
  • Expenses related to the treatment of psychiatric, mental disorders
  • Dental treatment and surgery of any kind
  • Expenses related to venereal diseases
  • Treatment expenses related to pregnancy and childbirth
  • Plastic surgery treatment expenses

1858 Future Generali Cashless Network Hospitals in India

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Health Surplus User Reviews

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Future Generali Health Surplus Expert Review

  • Expert Review

    When it comes to expanding the health insurance coverage, top-up plans have a vast role to play. Future Generali, being the responsible health insurer, understands the same and brings forth the facility of enhancing the coverage with its top-up plan - Future Health Surplus. The offered high deductible health insurance plan works great as a top-up policy and helps in making medical treatment affordable, even when the cover falls short. Overall, if you don’t want to end up in a financial crisis in the midst of an unfortunate medical emergency that’s emotionally and physically draining, opt for Health Surplus. 

    An ideal plan to go with to minimise financial burden of additional expenses, Health Surplus is a big helping hand when an existing health insurance seems insufficient. If you want to invest in this top-up plan, note that its minimum entry age for adults is 18 years to 65 years. For children, eligibility age is 3 months to 25 parent(s) are concurrently insured. Easily available on individual sum insured and family floater sum insured basis, Health Surplus comes with the sum insured range starting from Rs. 3 Lakh up to Rs. 10 Lakh having deductible range from Rs. 2 Lakh to Rs. 5 Lakh. 

  • Major Attractions

    One of the best features about Health Surplus is that when combined with the existing health insurance policy, the top-up gives a high sum insured, and that too at a low premium rate. Talking about coverage offered, the list includes cover against hospitalisation expenses in excess of the deductible per hospitalisation incurred by you, but not exceeding the sum insured during the period stated in the policy schedule. Overall, the prime elements covered by the policy include- 

    • In-patient hospitalisation cover, including room, board and nursing expenses
    • Expenses for fees of Surgeon, Medical Practitioner, Consultants, Anaesthetist, Specialists 
    • Expenses for Anesthesia, Surgical Appliances, Blood, Oxygen, Operation Theatre Charges, Medicines &
    • Drugs and others 
    • Pre-hospitalisation expenses incurred within 60 days before hospitalisation on illness/injury sustained
    • Post-hospitalisation expenses incurred within 90 days after the date of discharge from the hospital
    • Freedom to opt for portability as per the portability guidelines
    • No loading on premium for adverse claims experience
  • What’s More?

    Future Health Surplus is a smart plan that supports you during your time of distress by allowing affordability of medical treatment, even when they go beyond the cover amount. The best way to expand your health insurance cover, this economical policy allows you to make the most of its other benefits including-

    • Free look period of 15 days for cancellation of policy
    • Freedom of buying the policy even if you don’t have a mediclaim policy
    • No medical examination up to 55 years of age, subject to proposal form having no adverse medical declarations
    • Allowed continuity from similar indemnity type of high deductible products of any insurer
    • Tax benefits provided under Section 80D of the Income Tax Act
    • Family floater discounts on premiums depending on the age 
  • Conclusion

    To conclude, Future Health Surplus is a great option to go with if you want to increase your coverage. Having a turnaround time of 90 minutes for cashless claims and 14 working days for reimbursement claim settlement, the policy is worthwhile. 

    People interested in buying this top-up policy, make sure you choose the online mode and reap benefit of quick policy issuance and policy transparency. To add to your benefits and convenience, buy Health Surplus from InsuranceDekho to avail policy portability, claim settlement support, and multiple other after-sales services offered. Rest assured, you will make the right decision.

Future Generali Health Surplus Brochure

  • 494.83 KB
  • PDF Document
  • May 21, 2019

Claim Process at Future Generali Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Health Surplus Health Insurance Plan

  • What is Health Surplus plan?

    It is a high deductible policy that pays for inpatient expenses over and above the deductible limit. The deductible is applied on each and every claim.

  • Does the Health Surplus plan covers pre and post hospitalisation expenses?

    Pre-hospitalisation expenses are covered within 60 days and post-hospitalisation expenses are covered up to 90 days.

  • Is cashless claim facility available under Health Surplus plan?

    Yes, there is a cashless claim facility available under Health Surplus plan. 

  • Is Health Surplus plan available as a stand-alone policy?

    Health Surplus plan can either be taken as a standalone policy as well can be clubbed with Health Suraksha or any other individual health insurance or group insurance plan.

  • What is the waiting period under the Health Surplus plan?

    The pre-existing conditions are covered after a waiting period of 4 years. Joint replacement surgery is covered after 3 years.

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