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Future Generali Super Saver Plan
Future Generali Super Saver Plan is a one-of-a-kind health insurance plan with two plan variants that offer an 80% premium discount. If pol…
- Modern treatment cover
- Maternity covered
- Domiciliary treatment cover
Future Generali Health Insurance
Future Generali Advantage Top-up Plan
The Future Generali Advantage top-up health insurance policy comes in ...Read More
Up to 6 Cr
Sum insured
1
No. of plans
150+
Pan India presence
95.5%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,703 reviews
🏥 10,000+ hospitals
📊 1.96 solvency ratio
✅ 95.5% claim settlement
About Future Generali Advantage Top-up Plan
A quick read on what this Future Generali Health Insurance plan covers and why it might be a fit for you.
Get more coverage on your insurance and enjoy enhanced protection with a top-up today!
The Future Generali Advantage top-up health insurance policy comes in two variants: Supreme and Elite. These provide additional protection when undergoing expensive medical treatment. To help manage these costs, FG Advantage offers a wide sum insured option with affordable premiums, covering critical health emergencies.
Additionally, you can avail of several premium discounts, such as:
- Family discount: Up to 10% (when 2 or more members are covered)
- Long-term discount: 5% for a 2-year policy term and 10% for a 3-year policy term
- Loyalty discount: 2.5%
While affordable premiums and discounts are appealing, it's important to note that the FG Advantage top-up plan includes a deductible clause. This deductible may range from INR 40,000 to INR 40 Lakhs, depending on your chosen sum insured, which can be between INR 50,000 to INR 1 Crore. You can, however, waive the deductible to convert it into an indemnity policy.
This page provides comprehensive information about the Future Generali Advantage top-up plan. Read till the end to learn more.
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
Adult: 18 years - No limit, Child: Day 1 to 25 years
Plan type
Top Up and Super Top Up
Sum insured options
₹50 L, ₹1 L, ₹10 L, ₹20 L, ₹30 L, ₹40 L, ₹50 L, ₹80 L, ₹1 L
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.
Pros & cons
A quick honest summary — the strengths and the trade-offs.
Pros
- Room rent
- ICU charges
- Pre and post hospitalization
- Daycare treatment
Cons
- Domiciliary hospitalization
- OPD charges
- Automatic restoration
What's covered
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
Hospitalization
- Room rent Covered
- ICU charges Covered
- Pre-hospitalization Covered
- Post-hospitalization Covered
- Domiciliary hospitalization Not covered
- Day-care treatment Covered
- OPD charges Not covered
- Covid-19 treatment Covered
- Cataract Covered
Bonuses & restoration
- No-claim bonus Covered
- Automatic restoration of SI Not covered
- Daily hospital cash Not covered
Family & special care
- Maternity cover Not covered
- New-born baby cover Not covered
- IVF treatment Not covered
- AYUSH treatment Covered
- Organ donor expenses Covered
Modern & preventive care
- Modern treatment Not covered
- Road ambulance Covered
- Air ambulance Not covered
- E-consultation Not covered
- Health check-up Not covered
- Second medical opinion Not covered
- Vaccination Not covered
Conditions & global
- Co-payment Not covered
- Sub-limits Covered
- Compassionate travel Not covered
- Global coverage Not covered
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.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
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
- Certain diseases and treatments are covered under this plan after a specific waiting period:
- Specific illness: 2 years
- Pre-existing diseases: 2 years
- Joint replacement surgery/organ transplant: 2 years
- Mental illness, HIV & AIDS: 48 months
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Minimum entry age: 18 Years
- Maximum entry age: 65 Years
- Initial Waiting Period: 30 Days
- Sum Insured: Up to 1 Cr
Other features & benefits
Long Story Short
The Future Generali Advantage top-up plan enhances your health insurance experience by offering more benefits and a wide range of healthcare coverage.
Future Generali Advantage Top-up Plan: FAQs
The 6 most-asked questions about Future Generali Advantage Top-up Plan, answered.
There’s no bar of maximum age for entry, and you have the freedom for lifelong renewability as well.
Apart from the insured policyholder, a legally wedded spouse and upto 3 or 5 dependant children can be covered under the family floater policy.
You get a wide range of healthcare coverage above the basic benefits at an affordable premium.
You can claim your Future Generali Advantage top-up policy from the insurer’s official website.
Yes, you can avail of the portability benefits with Future Generali health insurance.
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.
Explore Future Generali Health Insurance
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