Compare & Buy Car, Bike and Health Insurance Online - InsuranceDekho
Claim, renew, manage & moreLogin
Hurry Up!
Save upto ₹75,000 on taxes in 80D. Buy a health insurance now!
View Plans

Future Generali Health Insurance Top-up & Super Top-up Plans

115 reviews Rate This
Highlights
Claim Settlement Ratio94%
Network Hospitals8,400+
Cashless Approval TAT2 hr Cashless Claim Processing
Special BenefitsComplimentary Teleconsultation

Health Insurance Calculator

Whom do you want the insurance for ?

You
Couple
Family
Father
Mother

Select the age of all members

  • You

Where do you live ?

Choose required Coverage for yourself?

2 Lac
3 Lac
5 Lac
10 Lac
25 Lac
Disclaimer : Actual Premium might vary basis your location, age and number of members

Top-up & Super Top-up of Future Generali Health Insurance

A top-up insurance policy is a right solution when a health insurance policy does not cover you for sufficient

Doesn’t your health insurance policy have a sufficient sum insured amount to cover skyrocket medical costs? If so, a top-up plan is the right solution. This is a kind of plan that increases the coverage of your existing health insurance. It helps you continue with the hospitalisation when the sum insured of your primary health plan gets exhausted.

Let’s understand this with an example. Suppose, you have bought health insurance with the sum insured of Rs. 4 Lakh. You want to increase this amount up to Rs. 7 lakh. Going to another health policy can be expensive. Buying a top-up plan of Rs. 3 Lakh sum insured can be the right solution.

Future Generali Health Surplus Top-Up

Health Surplus is a plan with high deductible offered by Future Generali that can also act as a top-up. This policy covers expenses related to treatment during hospitalisation due to accidents or illnesses. This policy covers the expenses over and above the deductible for each hospitalisation but not more than the sum insured during the period stated in the Policy Schedule.

Key Benefits of Health Surplus Top-Up

This plan is available as an Individual plan and as a Family Floater basis. It is good for self, spouse, and children. Its key benefits include:

  • Ambulance cover
  • In-patient treatment
  • Daycare treatments
  • Pre and post hospitalisation
  • Annual health check-up

Who Can Buy this Plan?

The plan comes with the entry age limit of 3 months to 65 years. For children between 3 months to 5 years, both of the parents should be covered under the plan. For children between 6 years to 18 years either of the parents should be covered. Children between 18 years to 25 years can be covered as dependents or even as a self proposer.

Waiting Period Under the Plan

Any disease contracted within 30 days from the start of the policy is not covered under the plan. Waiting period for pre-existing conditions is 48 months. Joint replacement surgery is covered after 3 years.

Renewability of the Plan

This policy has a lifelong renewability option.

Exclusions Under the Plan

Health Surplus Top-Up Policy does not cover the insured against the following expenses:

  • Congenital diseases
  • Injuries due to a war
  • Non-allopathic treatments
  • Use of intoxicating alcohol or drugs
  • Treatment expenses related to AIDS, HIV

Future Advantage Top-Up Policy

Advantage Top-Up Policy is a deductible policy with varied sum insured options to offer extra coverage when the basic health insurance plan gets exhausted. The deductible in the policy applies on an aggregate basis towards the complete hospitalisation expenses incurred during a policy period. The policy is available as an individual policy as well as a floater policy.

Key Benefits of Future Advantage Top-Up Policy

Advantage Top-Up policy is the best top-up policy at a low premium. The sum insured options available under the policy range from Rs. 50,000 to Rs. 100 Lakh and the deductibles range from Rs. 50,000 to Rs. 40 Lakh. The other prime features of the plan entail of:

  • Cover for cancer and all diseases including heart-related conditions under Supreme variant
  • Cover for all cancer and all diseases related to heart conditions
  • Cover for alternative treatments after two years
  • Cover for organ donor after two years
  • Coverage for daycare procedures
  • Cumulative bonus of 10% for every claim-free year, maximum up to 50%

Who Can Buy this Plan?

The minimum entry age under the Future Generali’s Advantage Top-Up Policy is day 1, and there is no maximum entry age. The policy can be purchased lifelong.

Waiting Period Under the Plan

The waiting period for specific illness/procedures and pre-existing diseases is 2 years. For any other illness, except for an injury, there is a waiting period of 30 days. The waiting period for HIV/AIDS, mental illness, psychiatric conditions is four years.

Renewability of the Plan

Future advantage top-up policy comes with lifelong renewability option.

Exclusions Under the Plan

Future Advantage Top-Up Policy does not cover the insured against the following healthcare expenses:

  • Medical conditions like hysterectomy, benign prostatic hypertrophy
  • Use of intoxicating substances or drugs
  • Dental treatment or surgery unless due to accident
  • Internal and external congenital anomalies and related conditions
  • Joint replacement surgery after waiting period unless due to accident

Key Features of Future Generali Critical Illness Insurance Policy 

Future Generali critical insurance comes with certain features. Key features of the plan are as follows:

  • Portability option
  • Lifelong renewability
  • Cashless treatment
  • Discounts on premiums
  • Hassle-free claim settlement

With Future Generali’s Criticare Insurance Policy, you can focus on getting the best possible treatment rather than worrying about your savings.

Save Tax upto ₹75000*
Under Section 80D

*Tax benefits are subject to changes in Income Tax Act.

Future Generali Health Insurance Plan List

    Name of PlanSum Insured
    Future Health SurakshaMin: 90 Days; Max: 70 Years50 Thousand Check Premium
    Corona Rakshak PolicyMin: 18 years; Max: 65 years50,000 - 2.5 lakh Check Premium
    Corona Kavach PolicyMin: 1 Day; Max: 65 Years50,000 - 5 lakh Check Premium
    Arogya Sanjeevani Policy Min: 3 Months; Max: 65 Years 1 Lakh - 5 Lakh Check Premium
    Vector CareMin: 1 Day; Max: 65 Years10 Thousand Check Premium
    Future HospiCashMin: 6 Months; Max: 65 Years500/day Check Premium
    Future CriticareMin: 6 Years; Max: 65 Years1 Lakh Check Premium
    Future Varishta BimaMin: 60 years; Max: No Limit2 Lakh Check Premium
    Health TotalMin: 1 Day; Max: No Limit3 Lakh Check Premium
    Health Super Saver PolicyMin: 18 years; Max: 70 years3 Lakh - 50 Lakh Check Premium

    Choose Future Generali Critical Illness Plan

    Future Generali Health Insurance User Reviews

    Write your review
    What users are saying
    • All
    • Price
    • Helpful
    • Network Hospitals
    • Claim
    • Renew
    • Premium
    • Top up
    • Critical Illness
    • My purchase of Future Generali Health Insurance Policy was so convenient and easy. I am amazed at buying a hea...

      Read More
      S
      Future Generali
      By Shivan Lal
      On: Nov 21, 2023
    • I wholeheartedly trusted InsuranceDekho's recommendations, and they certainly didn't disappoint. The Future Ge...

      Read More
      K
      Future Generali
      By Kajal Barman
      On: Sep 05, 2023
    • I recently bought the Future Generali Health Insurance Policy at InsuranceDekho and I am happy with it. It is ...

      Read More
      A
      Future Generali
      By Akshita Bhnadari
      On: Aug 25, 2023
    • There are several suitable health insurance plans at InsuranceDekho to choose from. I recently bought from the...

      Read More
      A
      Future Generali
      By Anany Sharma
      On: Aug 09, 2023
    • My recent purchase of the Future Generali Health Insurance Policy from InsuranceDekho is recommendable. The cu...

      Read More
      A
      Future Generali
      By Ashita Nanda
      On: Jun 27, 2023
    Must BuyMust Buy

    Why to Buy Health Insurance Policy Online from InsuranceDekho

    • Tax benefit upto 75,000*
    • Claim support everyday 10AM-7PM
    • 50 Lacs+ happy customers

    Health Insurance News

    Future Generali Health Insurance Contact Details

    Reach us for help anytime

    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.

    1858 Future Generali Cashless Network Hospitals in India

    Insurance Products by Future Generali General Insurance

    Best Insurance Advisors in Your City.

    Latest Health Insurance Articles

    Network Hospital in Popular Cities

    CityNo of Hospital
    New Delhi225
    Hyderabad225
    Karimnagar20
    Ghaziabad39
    Lucknow41
    Pune175
    Gurgaon53
    View All