Future Generali Health Surplus Top Up Plan

The Future Generali Top-up plan called ‘Health Surplus’ is the perfect way to supplement your and it is offered at very low premiums. You can get higher sum assured above a deductible limit. This plan is available for individuals and as a family floater. Sum assured ranges from Rs.3 lakh to Rs.10 lakh. If parents are covered, children between the ages of 3 months and 25 years will be covered. This health insurance policy has a pre-acceptance requirement.

Features of the Future Generali Health Surplus Top-up Plan:

Entry age Minimum age – 18 years Maximum age – 65 years Children between the ages of 3 months and 25 years will be covered provided the parents are covered.
Policy term 1 year
Sum insured Sum assured available is : Rs.3 lakh Rs.5 lakh Rs.7 lakh Rs.10 lakh The deductible for them are as follows: Rs.2 lakh is deductible for sum insured Rs.3 lakh Rs.2-3 lakh is deductible for sum insured Rs.5 lakh Rs.3 lakh is deductible for sum insured Rs.7 lakh Rs.5 lakh is deductible for sum insured Rs.10 lakh
Pre-acceptance requirement For those up to the ages of 55 years will have not have to undergo any medical tests. For those over the ages of 55 years will require to get a medical test done and 50% of the test charges will be reimbursed provided you or your family member is insured with Future Generali. The medical test are to be done in the Future Generali empanelled diagnostic centres and the test will be valid for 30 days from the day the tests were done.
Treatments covered Costs for the following will be covered under this policy:
  • Hospitalisation expenses not exceeding the opted sum insured is covered.
  • Inpatient expenses such as room cost, board and nursing expenses for a minimum of 24 hours will be covered.
  • Other inpatient expenses such as medicines, diagnostic materials, x-ray, operation theatre charges, consultant and specialist fees, etc. will be covered.
Cancellation The policy will be cancelled after providing a 15 days written notice.
Renewal The policy can be renewed every year by mutual consent. You will have to pay the renewal premium before the date of expiry of the policy.
Tax benefits Payments made towards this policy in any mode other than cash is eligible for deduction from taxable income under section 80D of the Income Tax Act.
Membership pack Your membership pack will contain the following:
  • Health card to utilise cashless facilities at the various network hospitals.
  • For the value added services you will get a privilege card.
  • The policy schedule details
  • Receipt for the premium you paid
  • Policy coverage and terms and conditions document.
  • 80D certificate if the premium was paid by cheque.
Claims` Cashless claims are settled within 90 minutes from receiving the request. Reimbursement claims will be settled within 14 working days from receiving the complete claim document.
Exclusions The following conditions or diseases will be excluded under this policy:
  • Pre-existing diseases
  • Conditions caused by war, nuclear, chemical and biological weapons
  • Conditions caused due to breach of law
  • Attempted suicide
  • Participating in naval, military, air force and adventurous sports.
  • Abuse of intoxicants or hallucinogenic substances
  • Treatment for obesity, psychiatric, mental disorder and congenital diseases
  • Venereal disease
  • Pregnancy
  • Sterility treatment
  • Dental treatment
  • Surgery of any kind
  • Plastic surgery
  • Experimental treatment
  • Preventive care
  • Items of personal comfort and convenience

Disclaimer: Please read the terms, conditions and exclusions mentioned in the policy document before taking the policy.

Other Health Insurance Plans from Future Generali:

GST rate of 18% applicable for all financial services effective July 1, 2017.

Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

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