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. This plan supplements your existing health insurance where you can go for higher sum insured over and above a deductible limit. The deductible will apply on aggregate basis towards hospitalisation expenses incurred during the policy period.
|Sum Insured (₹ INR)||Deductible (₹ INR)|
|200000||50000, 100000, 200000|
|300000||50000, 100000, 200000, 300000|
|500000||50000, 100000, 200000, 300000, 400000, 500000|
|750000||200000, 300000, 400000, 500000, 750000|
|1000000||200000, 300000, 400000, 500000, 750000, 1000000|
|1500000||200000, 300000, 400000, 500000, 750000, 1000000, 1500000|
|2000000||200000, 300000, 400000, 500000, 750000, 1000000, 1500000, 2000000|
|3000000||500000, 750000, 1000000, 1500000, 2000000, 3000000|
|4000000||500000, 750000, 1000000, 1500000, 2000000, 3000000, 4000000|
You should carry the health card provided by the company with this policy, along with a valid photo identification proof (voter id card / driving license / passport / pan card / any other identity proof as approved by the company).
We may investigate claims at our own discretion to examine validity of claim. Such investigation shall be concluded within 15 days from the date of assigning the claim for investigation and not later than 6 months from the date of receipt of claim intimation. Verification carried out, if any, will be done by individuals or entities authorised by us to carry out such verification / investigation(s) and the costs for such verification / investigation shall be borne by the us.
We shall settle claims, including its rejection, within 7 (seven) working days of the receipt of the last ‘necessary’ document but not later than 30 days.
You should submit the post-hospitalization claim documents at your own expense within 15 days of completion of post-hospitalization treatment or period, whichever is earlier. We shall receive pre and post- hospitalization claim documents either along with the inpatient hospitalization papers or separately and process the same based on merit of the claim derived on the basis of documents received.
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