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Future Advantage Top-Up

Future Advantage Top-Up is a deductible health insurance plan with high Sum Insured options to provide extra coverage at low premium as compared to any traditional health insurance plan. In this plan you have an option to choose the deductible which can be managed either by self-pay or any other insurance and also choose the optimum Sum Insured to take care of your health care. Unlike many top up plans, you do not have to cross the deductible limit at every claims incidence. Read More

The deductible will apply on aggregate basis towards hospitalisation expenses incurred during the policy period.Read Less

FEATURES

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Wide Range of Sum Insured

Choice of Sum Insured ranging from 50,000 to 1 Crore

Flexible deductible options

Deductible options varying from 50,000 to 40 lakh as per chosen Sum insured

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Entry Age & Renewability

Cradle to Grave Cover where you are covered from day 1 for life long. No bar on the entry age.

Policy Period

Option to choose multiyear (1, 2 or 3 year) policy period.

Mental and psychiatric illness

Covered in the policy after a 4 year waiting period

PLAN OPTIONS/VARIANTS

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    • Future Advantage Top-Up Elite
      • Elite Plan – includes cover for Cancer and ailments related to Heart only, i.e. below features applicable to heart ailments and cancer only
      • Hospitalization Medical Expenses – A minimum period of 24 Inpatient Care consecutive hours.
      • Day Care Treatment expenses- Specified procedures/treatments, where such admission could be for a period of less than 24 consecutive hours.
      • Pre-hospitalisation Medical Expenses –Related medical expenses 60 days prior to hospitalisation.
      • Post-hospitalisation Medical Expenses - Related medical expenses post hospitalisation within 90 days from date of discharge from the hospital
      • Organ Donor Expenses - Charges incurred for an organ donor’s treatment for the harvesting of the organ donated. - covered after 2 year of continuous renewal
      • Road Ambulance Charges - maximum up to Rs. 2000 per Hospitalisation
      • Alternative Treatment Covered - covered after 2 year of continuous renewal
      • Cumulative Bonus - 10% for every claim-free year to max 50%
    • Future Advantage Top-Up Elite
      • Supreme Plan – includes cover for all ailments including Heart related conditions and Cancer
      • Hospitalization Medical Expenses – A minimum period of 24 Inpatient Care consecutive hours.
      • Day Care Treatment expenses- Specified procedures/treatments, where such admission could be for a period of less than 24 consecutive hours.
      • Pre-hospitalisation Medical Expenses –Related medical expenses 60 days prior to hospitalisation.
      • Post-hospitalisation Medical Expenses - Related medical expenses post hospitalisation within 90 days from date of discharge from the hospital
      • Organ Donor Expenses - Charges incurred for an organ donor’s treatment for the harvesting of the organ donated. - covered after 2 year of continuous renewal
      • Road Ambulance Charges - maximum up to Rs. 2000 per Hospitalisation
      • Alternative Treatment Covered - covered after 2 year of continuous renewal
      • Cumulative Bonus - 10% for every claim-free year to max 50%

ELIGIBILITY

Eligibility

  • Entry Age – Minimum – 1 Day
  • Entry Age – Maximum – None
  • Cover type – Individual and Family Floater

Documentation

  • For transaction on net banking – no documentation
  • For transaction on Mobile App– no documentation

For paper based transactions

  • Health Insurance Proposal form
  • KYC Documents :ID Proof & address proof(PAN & Aadhar)

Know More for Claims and Exclusion

Bajaj Allianz life Smart Protect Goal

Disclamier

1Tax deductions under Section 80D is as per applicable provision of the Act (including any amendments thereto) and are subject to changes in the tax laws.
2Factors determining the renewal premium are (i) age slab of the senior most insured member at the time of renewal (ii) any change in the renewing policy.
10Following is an indicative list of the policy exclusions. Please refer to the policy clause for the complete list.Read More

“For detailed information on risk factors, term & conditions etc., please refer to the product brochure and policy wordings, consult your advisor/agent or visit Future Generali’s website before concluding a sale” Future Advantage Top-Up . FGIHLIP2155V022021Read Less

FREQUENTLY ASKED QUESTIONS

What is Future Advantage Top-up Policy?

Future Advantage Top-Up is a high deductible health insurance plan which pays for inpatient medical expenses in excess of the prescribed deductible limit. The deductible will apply on aggregate basis towards hospitalisation expenses incurred during the policy period.

What is deductible?

Deductible means a cost sharing requirement under a health insurance policy where the insurance company will not be liable for eligible medical expenses up to a specified rupee amount, that incur in a policy period, as opted i.e. it is the amount up to which the insurance company will not pay for all the claims incurred in a policy year under the policy.

Why should I prefer high deductible policy?

In cases where the actual medical expenses cross the threshold limit i.e. deductible, this policy will help. Moreover this policy provide extra coverage at low premium and can be opted in combination with other Health Insurance Policies (e.g. Future Health Suraksha/ Health Total) to provide higher coverage at reasonable premium.

Can one take Future Advantage Top-up Policy as a stand-alone plan?

Yes, Future Advantage Top-up Policy can be taken as a stand-alone plan. It can also be taken along with other Health Insurance Policies (e.g. Future Health Suraksha) or Group Insurance Plans.

What are the plans available Future Advantage Top-up Product?

Supreme Plan – includes cover for all ailments including Heart related conditions and Cancer

Elite Plan – includes cover for Cancer and ailments related to Heart

Do I need to undergo Medical tests for taking this policy?

Yes, Pre-insurance medical examination will be conducted on the basis of adverse medical declarations in the proposal form, age of member, sum insured and deductible opted.

Are pre-policy tests charges reimbursed and what is the amount?

There is 100% reimbursement of Pre-Policy Tests charges, subject to policy issuance and 64 VB compliance.

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