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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:
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 DETAILS |
Future Generali Advantage Top Up Plan |
Coronavirus Insurance Policy |
| Product Type | Top Up and Super Top Up | Critical Illness Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not covered | - |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | - |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Not covered | - |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | - |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | - |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | - |
| Hospital_network (Number of Hospital Network in city) |
10000 | 14000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | - |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Not covered | - |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | - |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not covered | - |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not covered | - |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Not covered | - |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Covered | - |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not covered | - |
| Plan Entry Age | Adult: 18 years - No limit, Child: Day 1 to 25 years | 18 Years to 65 Years |
| Plan Premium Entry Age and S/A | 704 | NA |
| Plan Waiting Period | 30 | 16 |
| Plan Coverage | Hospitalization expenses, Daycare treatments, Pre-hospitalization expenses, Post-hospitalization expenses, AYUSH treatment cover | - |
| Plan Sample Premium | 704 | - |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1, 2,3 years | 1 year |
| ICU Charges | Covered | - |
| Covid-19 Treatment | Covered | - |
| Cataract | Covered | - |
| Automatic Restoration | Not covered | - |
| Ayush Treatment | Covered | - |
| Modern Treatment | Not covered | - |
| E Consultation | Not covered | - |
| Air Ambulance | Not covered | - |
| Global Coverage | Not covered | - |
| Claim Ratio | 95.5 | 99.06 |
| Solvency Ratio | 1.96 | 2.21 |
|
Star Health Insurance Plan Detailed Review |
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