Future Generali Health Surplus Health Insurance

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

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 

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.

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

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

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.

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