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

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