Health Insurance 577 views May 10, 2021

Considering the rising cost of treatment in the current times, you might find it hard to deal with a medical emergency without health insurance. That’s where the Future Advantage Top-up Plan can come to your rescue as it will cover any additional expenses incurred towards treatment. This plan from Future Generali is a deductible health insurance plan with higher sum insured options that offer additional coverage at an affordable premium. Here, deductible means the limit up to which the insurer will not be liable for eligible medical expenses in a policy period.

Health Insurance

Please fill the details below and our policy experts will call you to help figure out the correct health insurance policy for your needs


Future Advantage Top-up Plan is a supplement to your existing health insurance. Let’s check out the prominent features of this plan mentioned below.

  1. Flexibility to choose from multiple plan options
  2. Multiple sum insured and deductible options
  3. Floater benefit
  4. Family and Loyalty Discount
  5. Option to pay the premium in installments
  6. Pre-acceptance medical tests
  7. 15-day free look period
  8. Tax Benefits under Section 80D of the Income Tax Act, 1961

Health Insurance

Please fill the details below and our policy experts will call you to help figure out the correct health insurance policy for your needs


If you want to understand these key features of the Future Advantage Top-up Plan in detail, this page could be a good read for you. Here, we will discuss the same. Keep reading to know more!

Let’s Discuss the Key Features of the Future Advantage Top-up Plan in Detail

As we mentioned earlier, Future Advantage Top-up Plan is a supplement plan with which an individual can choose a higher sum insured over and above a deductible limit. This limit will apply on an aggregate basis towards hospitalization expenses incurred during the policy term.

We are mentioning its key features below that will help you understand the plan better. Please check!

Flexible Plan Options

Future Advantage Top-up Plan offers two plan options to individuals — Supreme Plan and Elite Plan. With the Supreme Plan, the coverage includes all diseases including heart-related conditions and cancer. On the other hand, Elite Plan covers cancer and diseases related to the heart. You can choose both these options on an Individual and Family Floater basis as per your requirements.

Multiple Sum Insured and Deductible Options

Future Advantage Top-up Plan offers multiple sum insured and deductible options from which you can choose according to your affordability and needs. To know more, you can check the below table.

Sum Insured (In INR)Deductible (In INR)
1,00,00050000, 100000
2,00,00050000, 100000, 200000
3,00,00050000, 100000, 200000, 300000
5,00,00050000, 100000, 200000, 300000, 400000, 500000
7,50,000200000, 300000, 400000, 500000, 750000
10,00,000200000, 300000, 400000, 500000, 750000, 1000000
15,00,000200000, 300000, 400000, 500000, 750000, 1000000, 1500000
20,00,000200000, 300000, 400000, 500000, 750000, 1000000, 1500000, 2000000
30,00,000500000, 750000, 1000000, 1500000, 2000000, 3000000
40,00,000500000, 750000, 1000000, 1500000, 2000000, 3000000, 4000000

What is the Policy Term?

The minimum policy term for Future Advantage Top-up Plan stands at 1 year, while it can go up to 3 years.

What is Covered Under Future Advantage Top-up Plan?

You will get coverage against the following expenses incurred during your treatment with the Future Advantage Top-up Plan.

  1. In-patient Treatment (Expenses incurred on Room Rent, ICU Charges, Nursing expenses for a minimum hospitalization of 24 hours)
  2. Additional expenses incurred during in-patient hospitalization, such as medicines & drugs, diagnostic materials, X-ray, Operation Theatre charges, etc.
  3. Pre and post-hospitalization expenses (60 days before and 90 days after hospitalization)
  4. Day Care procedures (treatments that do not require a 24-hour hospitalization)
  5. Alternative Treatment coverage (Ayurveda, Unani, Siddha, Homeopathy) after a continuous coverage of 2 years
  6. Hospitalization expenses related to the Organ Donor (after 2 years of coverage)

Emergency Ambulance Coverage

With this Top-up plan from Future Generali, policyholders will be covered against expenses incurred on the ambulance, up to INR 2,000 per hospitalization per policy year.

Family and Loyalty Discount

If you choose an individual sum insured option and two or more members are covered in the same policy, this Top-up plan will provide a family discount. Other than this, you can also get a loyalty discount if you already have an existing retail health insurance plan from Future Generali India Insurance Co. Ltd.

You can also get a discount of up to 10% of the premium amount if you pay the same for multi-year policies. To know the same, check the below table.

Policy YearLong-term Discount
1 yearNil
2 years5%
3 years10%

Option to Pay Premium in Installments

Future Advantage Top-up plan also provides the option to pay the premium in installments with different frequencies – Yearly, Quarterly and Half-yearly basis. You will need to pay loadings on standard premiums on choosing an installment facility according to the below table.

Installment FrequencyLoading on Standard Premiums

Future Advantage Top-up Plan Eligibility Criteria

Do check the conditions related to the Future Advantage Top-up Plan eligibility criteria mentioned below.

  1. The minimum age at entry for adults stands at 18 years. There is no maximum age limit with a lifetime renewability option.
  2. For children, the minimum age stands at Day 1 up to 25 years of age.

People Also Read