Future Generali Insurance plans

Future Generali Future Advantage Top Up

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Date of birth
  OR age    years
* Name, Email Id & Mobile No. are optional 

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.

Future Generali Health Insurance Review

Future Generali Health Insurance
Future Generali Health Insurance sum insured
3 lacs − 100 lacs options available
Incurred Claims Ratio *
Health Insurance tenure options
Policy extends from 10 yrs to 30 yrs
Claims Settlement Ratio **
List of network hospitals
6,300+ hospitals
Number of policies issued *
Maximum family floater coverage
Self, Spouse + dependent (children + parents)
Number of lives covered *
* As per IRDAI report for 2020-21   |   ** As per NL25 data published on the Insurance Company website

Future Generali Future Advantage Top Up benefits

  • Benefit
  • What’s Covered
  • Exclusions

Benefits of Future Generali Future Advantage Top Up

Plan Options

  • Available on Individual & Family floater basis.
  • Floater Benefit : Under a single sum insured, cover yourself and your Family (family means Self, Spouse and up to 3 dependent children up to the age of 25 years, Or, Self, Spouse and 5 dependent children up to the age of 25 years).

Plan Variants

There are 2 different plans: Supreme Plan and Elite Plan:
  • Supreme Plan – includes cover for all Ailments including Heart related conditions and Cancer
  • Elite Plan - includes cover for Cancer and Ailments related to Heart only

Policy Term

  • Minimum Policy Term - 1 Year
  • Maximum Policy Term - 3 Years

Eligibility - Entry Age

  • Adults : 18 years to up to any age with a lifetime renewal option
  • Children : Day 1 to 25 years can be covered.

Sum Insured And Deductible Options Available In The Product Are As Below Table

Sum Insured (₹ INR) Deductible (₹ INR)
50000 50000
100000 50000, 100000
150000 50000
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

Coverages of Future Generali Future Advantage Top Up

What’s Covered

  • Inpatient Treatment: Room rent, ICU charges, nursing expenses for a minimum period of 24 hours.
  • Other Inpatient Expenses: Medicines & drugs, diagnostic materials and X-ray, operation theatre charges, consultants, specialists fees etc
Cumulative Bonus
  • 10% for every claims free year to a maximum of 50% of the Sum Insured

Other Expenses covered

  • Pre & Post Hospitalisation: From 60 days prior and 90 days post
  • Day Care expenses: Covers 409 procedures
  • Organ Donor Expenses: Medical expenses for an organ donor’s inpatient treatment for the harvesting of the organ donated is also covered
  • Additional covers: Alternative Treatment, Emergency Ambulance
  • Pre Acceptance Medical Tests
    • 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.
    • Insured is eligible for 100% reimbursement of pre-insurance medical tests charges, subject to policy issuance.
    • Medical Report Validity : 30 days from the day tests were done. Medical tests will be done in our empanelled diagnostic centre
  • Other Features
    • Family discount will be applicable in case two or more family members are covered in the same policy in case of Individual Sum Insured option.
    • Loyalty discount:2.5% loyalty discount if the client already has a separate Retail Health insurance policy (other than Future Advantage Top-up) from Future Generali India Insurance Co. Ltd.
    • Long-term discount up to 10% applicable in case of upfront premium payment for long term policy.
  • Instalment Facility: Facility of instalment premium payment is available on monthly, quarterly and half yearly. Loadings maximum of 5% will be applicable on standard premiums as per the instalment frequency opted.
  • Loading on Claim experience: There will be no loading on premium for adverse claims experience.
  • Tax benefit: Premium paid by any mode other than cash is eligible for tax relief as provided under Section 80-D of the Income Tax Act.
  • Waiver of Deductible: The insured person have an option to convert the plan to any indemnity health insurance plan for the same Sum Insured with no medicals only at the time of renewal provided that the insured is within the age group of 54-60 years, have enrolled under this Policy before the age of 50 years and renewed with Us continuously for a minimum period of 5 years.
  • Portability: Port your existing policy with us to avail of benefits and services. Portability is as per the Portability guidelines of IRDAI.
  • Free Look Period: If you are not satisfied with the coverage, and terms and conditions of the policy, you can opt for cancellation of the policy within 15 days from the date of receipt of the policy documents, provided there has been no claim and you shall be entitled to a refund as per the policy terms and conditions.
  • 30 Days for Renewal: From the expiry date of the policy, you get 30 days grace period for renewal.

Exclusions of Future Generali Future Advantage Top Up

  • Congenital External Illness/ disease/ defect anomaly
  • Expenses incurred towards treatment of Illness or Injury arising out of alcohol use/misuse or abuse of alcohol, narcotic substance or drugs (whether prescribed or not)
  • Hormone replacement therapy, sex change or treatment which results from or is in any way related to sex change
  • Injury or Illness directly or indirectly caused by or arising from or attributable to war, invasion, act of foreign enemy, war like operations (whether war be declared or not)
Disclaimer "For the detailed list of exclusions under the policy, kindly refer to the same provided in your policy kit”

Future Generali Health Insurance FAQ’s

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.


Review Future Generali Future Advantage Top Up brochure to understand coverage details.

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Proposal form

Fill the online Future Generali Future Advantage Top Up proposal form.

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Policy wordings

Review Future Generali Future Advantage Top Up policy wordings which explains the terms and conditions.

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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2025