Future Generali Advantage Top-up Plan
  • Mental illness coverage
  • Nursing expenses cover
  • Affordable premiums
Future Generali Advantage Top-up Plan
Network hospitals

Network hospitals

8430+

Claim settlement ratio

Claim settlement ratio

94.98%

Sum insured

Sum insured

Up to 6 Cr

No. of Plans

No. of Plans

1

Solvency Ratio

Solvency Ratio

1.8

Pan India Presence

Pan India Presence

121+

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

Future Generali Advantage Top-up Plan

Get more coverage on your insurance, and enjoy more protection with a top-up today!

The Future Generali Advantage top-up health insurance policy comes in two variants; Supreme and Elite, which provide additional protection when undergoing expensive medical treatment. To cope with this, FG Advantage has a wide sum insured option with affordable premiums that cover during your critical health emergency.

Apart from this, you can also avail of several discounts on premium, such as;

  • Family discount- Upto 10% (when 2 or more members are covered)
  • Long-term discount- 5 and 10% for 2 and 3-year policy terms respectively
  • Loyalty discount- 2.5%

We know that getting discounts over and above affordable premiums feels fabulous. But you must know that the FG Advantage top-up plan comes with a deductible clause that may range between 40,000 to 40 Lakhs per the choice of your policy's sum insured between INR 50,000 to 1 Crore. But can we get rid of the deductible clause? Yes, you can waive the deductible to convert it into an indemnity policy.

This page has it all about the top-up Future Generali Advantage plan, you must read till the end to know more about the same.

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Future Generali Advantage Top-up Plan Specifications

To understand Future Generali Advantage Top-up Plan Insurance in detail, take a look at the below table:

Entry Age

Adult: 18 years - No limit, Child: day 1 to 25 years

Policy Type

Top Up and Super Top Up

Sum Insured

50 K | 1 L | 10 L | 20 L | 30 L | 40 L | 50 L | 80 L | 1 Cr

Initial Waiting Period*

30 Days

Renewability

Lifelong

Policy Term

1, 2,3 years

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Read more specifications in the brochure.

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Choose Your Future Generali Advantage Top-up Plan

With wide coverage options available, Future Generali Advantage Top-up Plan Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:

In-patient & Out-patient coverage

Room Rent

Covered

ICU Charges

Covered

Pre-Hospitalization

Covered

Post-Hospitalization

Covered

Domiciliary Hospitalization

Not covered

Daycare Treatment

Covered

OPD Charges

Not covered

Coverage Terms

COVID-19 Treatment

Covered

Cataract

Covered

No Claim Bonus

Covered

Automatic Restoration

Not covered

Daily Hospital Cash

Not covered

Organ Donor

Covered

Maternity Cover

Not covered

New Born Baby Cover

Not covered

Alternative Treatments

AYUSH Treatment

Covered

IVF Treatment

Not covered

Modern Treatment

Not covered

What is Room Rent?

The room rent limit is the maximum bed charge you can claim if you are hospitalised. Common Room categories covered under room rent are all kinds of rooms including single, private and AC rooms (except suite).

What are ICU Charges?

It is a special hospital department where patients with serious medical conditions are treated.

What is Pre Hospitalization?

Medical expenses incurred before hospitalisation of the policyholder.

What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

What is Domiciliary Hospitalization?

Domiciliary hospitalization or home care treatments are the arrangements for an insured individual due to the unavailability of medical amenities in hospitals, or in a case where an insured member can not be admitted to the hospital due to an inability. The treatment should last equal to or more than 72 hours to get financial coverage.

What is Daycare Treatment?

Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.

What are OPD charges?

Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization. .

What is COVID-19 Treatment?

It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.

What is a No-Claim Bonus?

For every claim-free year, insurance companies reward policyholders with an increase in the sum insured amount as a no-claim bonus or cumulative bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage varying from one plan to the other.

What is Automatic Restoration?

It is a benefit in which an insurance company restores the amount of sum insured completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from one plan to the other.

What is Daily Hospital Cash?

Daily hospital cash or Hospicash is a cash amount that you receive each day during the time of hospitalization to cover your non-medical expenses.

What is an Organ Donor Cover?

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body. In most of the cases, the insurer pays for the hospitalization and transplant expenses for both the parties i.e. the donor and the receiver.

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section deliveries.

What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalisation of the newborn baby in case of any childbirth complications, medical challenges, and so on. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Premature delivery
  • Birth asphyxia
  • Daycare treatment
What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are settled or reimbursed for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)
What is a Modern Treatment?

Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.

What is an Ambulance Cover?

An ambulance is used to move the patient from home to the hospital, transfer them to another hospital, and take them for different tests outside the hospital.

What is an Air Ambulance?

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

What is Compassionate Travel?

Refers to the travelling expenses of a family member who’s visiting the hospital to look after the patient when the policyholder gets admitted to a hospital outside his/her residential city.

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.

What is E-Consultation?

If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

What is a Health Checkup?

A facility where the policyholder can avail of free health check-ups after fulfilling the company's eligibility criteria. In most cases, the insured member/s gets an annual health check-up cover.

What is a Second Medical Opinion?

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.

What is Co-payment?

In the co-payment clause, policyholders have to pay a preset amount (either compulsorily or voluntarily) of the hospitalisation expense on their own and the insurer will pay the rest of the medical bill amount.

What is the Sub limit?

Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder. For instance, if your policy covers room rent for upto 20% of the sum insured, but the expense of the same is more than 25%, you will have to pay the rest amount, i.e. 5%, for your room rent.

 

 

Future Generali Health Insurance Network Hospital List

Future Generali Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Future Generali Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Exclusions of Future Generali Advantage Top-up Plan

Permanent Exclusions

Permanent diseases or health conditions that are not included under Future Generali Advantage Top-up Plan are:

External or congenital anomaly and related illness

Dental treatment or surgery

Usage of intoxicating drugs or alcohol and treatment resulting thereof

Self-inflicted injury

Act of committing suicide/suicidal activities

Life-threatening adventure sports

Coverage after Waiting Period

Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:

Specific illness: 2 years

Pre-existing diseases: 2 years

Joint replacement surgery/organ transplant: 2 years

Mental illness, HIV & AIDS: 48 months

Long Story Short

Future Generali Advantage top-up plan is just like a cherry on the cake that enhances your health insurance experience. You can always expect more benefits and a wide range of healthcare coverage with this top-up health policy.

We are just a call away (1800 4200 269) to deliver a meaningful resolution for any of your queries related to the FG Advantage top-up insurance policy.

Explore other Future Generali Health Insurance

To cater to the different medical needs of an individual & their family, Future Generali Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to Future Generali Health Insurance plans explore more:

Individual and Family Health Insurance

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Unique Features

  • 80% premium discount
  • Family coverage
  • Maternity coverage

Critical Illness Health Insurance

When it comes to life-threatening conditions, your family is not alone! What does that mean? According to a report of Elets BFSI, the major reason for...

Unique Features

  • Critical illness cover
  • Exhaustive cover benefits
  • Lump sum payout options

Senior Citizen Health Insurance

Enjoy every moment of your senior citizenship with Future Varishta Bima for senior citizens! Future Generali Varishta Bima policy is a specially desig...

Unique Features

  • Annual health check-up
  • In-patient treatment expenses
  • Multiple discount options

Future Generali Advantage Top-up Plan: FAQs

1. Is there any maximum entry age to buy Future Generali Advantage Top-up policy?

There’s no bar of maximum age for entry, and you have the freedom for lifelong renewability as well.

2. Which relations are covered under the Future Generali Advantage top-up plan?

Apart from the insured policyholder, a legally wedded spouse and upto 3 or 5 dependant children can be covered under the family floater policy.

3. What are the benefits of buying this top-up insurance?

You get a wide range of healthcare coverage above the basic benefits at an affordable premium.

4. Where can I claim my FG top-up Advantage policy?

You can claim your Future Generali Advantage top-up policy from the insurer’s official website.

5. Is there any portability benefit under this policy?

Yes, you can avail of the portability benefits with Future Generali health insurance.

6. Is it compulsory to go through a pre-policy medical examination?

It’s not necessary to undergo pre-policy medical examinations unless you have some severe health issues. Also, if you have to go through a medical pre-policy check-up, the insurer will reimburse or settle the amount spent on the check-ups.

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Simran Nirala

Written By: Simran Nirala

Lives In: Delhi, NCR Expertise: Health & Term Insurance Simran has an experience of 4 years in content writing. She transitioned from hospitality and digital marketing to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner, she keeps her audience hooked and solves their doubts smoothly.