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Future Generali Future Advantage Top Up Health Insurance

121 reviews Rate This
Future Generali Health Insurance
Future Advantage Top Up
Cashless Approval TATWithin 2 hours
Claim Settlement Ratio94%
COVID-19 CoverYes
Network Hospitals8,400+
RenewabilityYes
Special BenefitsComplimentary 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

8359 Future Generali Cashless Network Hospitals in India

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Future Advantage Top Up User Reviews

4.6
Rating based on
121 User reviews
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What users are saying
  • All
  • The policy I trust!

    Future Advantage Top Up is the product that I trust for extending the health cover. With the product in hand, I get additional coverage benefits in case the sum insured of my existing policy gets exhausted. 

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    S
    By Sohan Pandey
    On: Jan 31, 2020
  • Fabulous

    A fabulous option to meet my needs. With the product in hand, i am able to extend the health cover and can get additional protection at a low premium. It seems that the insurer has designed this plan especially for me.

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    R
    By Reny
    On: Jan 23, 2020
  • Ok

    I am OK with the future advantage top up plan. The plan provides wide cover as well as offers additional coverage. 

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    B
    By Bhavya Bhaskar
    On: Jan 22, 2020
  • Cheerful experience!

    It’s the Future Advantage Top Up product that brings a smile on my face otherwise I was very much upset with the low policy coverage of my health insurance. It is this plan of Future Generali that enables me to enjoy extra coverage! 

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    P
    By Pawan Kumar Gupta
    On: Jan 08, 2020
  • Lovely features!

    Future Advantage Top Up has some of the great features that I love. First, it has many variants. I have taken the Supreme one, which covers all ailments including  Cancer and Heart related conditions. It’s a well-suited plan for me.

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    P
    By Pinki Kumari
    On: Jan 07, 2020
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Future Generali Advantage Top Up Expert Review

  • Expert Review

    An excellent solution for extending an existing insurance coverage, Future Advantage Top Up is a great deductible health insurance policy. Affordable and reliable, the top up policy helps you financially and grants you with peace of mind when you are in the midst of a medical emergency. Overall, it is a superior top up plan that lets you focus on the treatment without worrying about the finances. What’s best is that Future Advantage Top Up saves you from paying a high premium to get your additional expenses covered. 

    When it comes to eligibility for Future Advantage Top Up, the entry age range starts from Day 1. What’s great is that there is no maximum entry age. Furthermore, you can avail this policy for a period of 1 year, 2 years and 3 years. Offering coverage on both, individual and floater sum insured, the policy comes in form of two variants, namely Supreme Plan and Elite Plan. Future Advantage Top Up comes with a sum insured options ranging between Rs. 50,000 and Rs. 100 Lakh. The deductible options for the policy starts from Rs. 50,000 and goes up to Rs. 40 Lakh. 

  • 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

  • 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

  • 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.

Future Generali Future Advantage Top Up Brochure

  • 2.64 MB
  • PDF Document
  • Sep 19, 2019
Download PDF

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 Future Advantage Top Up Health Insurance Plan

  • What is the minimum and maximum entry age for Future Advantage Top Up?

    While the minimum entry age for adults for Future Advantage Top Up is 18 years, there is no restriction on maximum entry age. In other words, the maximum entry age is lifelong.

  • 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.

  • 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.

  • Is Future Advantage Top Up renewable for life?

    Yes! Future Advantage Top Up comes with lifelong renewability feature.

  • 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. 

  • Does Future Advantage Top Up cover organ donor expenses?

    Yes, however, only hospitalisation expenses are provided cover for after 2 years, except for donor screening charges and pre & post hospitalisation.

  • Are there any renewal benefits associated with Future Advantage Top Up?

    Yes! When you choose to renew Future Advantage Top Up, you get 10% increase in annual limit for every claim free year, maximum of 50%. Moreover, Waiver of Deductible feature is also available under renewal benefits.

  • Does Future Advantage Top Up feature discounts?

    Yes! On buying Future Advantage Top Up, you get multiple discounts that include Family Discount, Long-term Discount, Loyalty Discount, and Plan Discount. The family discount of 10% is applicable on covering 2 or more family members on individual basis. The long-term discount is applicable on covering policy for 2 years (5% discount) and 3 years (10% discount). Also, you get loyalty discount of 2.5% if you already possess a separate Retail Health insurance policy from the insurer and plan discount (on opting for Elite plan, a 30% discount on premium applicable for Supreme Plan).

  • Can I buy Future Advantage Top Up online?

    Yes, you can! To purchase Future Advantage Top Up, you can either visit the official website of Future Generali India Insurance Co. Ltd., or talk to InsuranceDekho experts at 1800 1205 698 to uncover further purchase process.

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