Future Generali Health Surplus Top Up Plan

Minimum age -

Maximum age -

1 year

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

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.

1. Hospitalisation expenses not exceeding the opted sum insured is covered.
2. Inpatient expenses such as room cost, board and nursing expenses for a minimum of 24 hours will be covered.
3. Other inpatient expenses such as medicines, diagnostic materials, x-ray, operation theatre charges, consultant and specialist fees, etc. will be covered.

The policy will be cancelled after providing a 15 days written notice.

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.

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.

1. Health card to utilise cashless facilities at the various network hospitals.
2. For the value added services you will get a privilege card.
3. The policy schedule details
4. Receipt for the premium you paid
5. Policy coverage and terms and conditions document.
6. 80D certificate if the premium was paid by cheque.

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.

1. Pre-existing diseases
2. Conditions caused by war, nuclear, chemical and biological weapons
3. Conditions caused due to breach of law
4. Attempted suicide
5. Participating in naval, military, air force and adventurous sports.
6. Abuse of intoxicants or hallucinogenic substances
7. Treatment for obesity, psychiatric, mental disorder and congenital diseases
8. Venereal disease
9. Pregnancy
10. Sterility treatment
11. Dental treatment
12. Surgery of any kind
13. Plastic surgery
14. Experimental treatment
15. Preventive care
16. Items of personal comfort and convenience