Future Generali Health Surplus Health Insurance
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Cashless Approval TAT | 2 hr Cashless Claim Processing |
Claim Settlement Ratio | 94% |
COVID-19 Cover | Yes |
Network Hospitals | 8,400+ |
Renewability | Yes |
Special Benefits | Complimentary Teleconsultation |
About Future Generali Health Surplus Health Insurance
You already have a health policy, but what happens if there are additional treatment expenses? Will your regular health insurance plan cover that? Future Generali’s Health Surplus plan is a top-up plan that supplements your existing health insurance plan with a higher sum insured over and above the deductible limit. The plan provides cover for treatment expenses during hospitalisation due to illness or accident.
It is a smart top-up health insurance plan that boosts your health insurance coverage with a low premium. The sum insured options available under the plan is Rs. 3 Lakh, Rs. 5 Lakh, Rs. 7 Lakh and Rs. 10 Lakh with deductible options of Rs. 2 Lakh, Rs. 3 Lakh and Rs. 5 Lakh. The plan is available on both individual and family floater basis. This top-up plan offers additional protection in case of major health conditions.
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Key Inclusions and Exclusions of the Plan
What's Included
- Expenses related to room rent, boarding and nursing charges
- Surgeon, consultants, medical practitioner fees
- Anesthesia, blood, oxygen, operation theater charges
- Pre-hospitalisation expenses incurred within 60 days
- Post-hospitalisation expenses incurred within 90 days
What's Not Included
- Treatment related to obesity
- Expenses related to the treatment of psychiatric, mental disorders
- Dental treatment and surgery of any kind
- Expenses related to venereal diseases
- Treatment expenses related to pregnancy and childbirth
- Plastic surgery treatment expenses
8359 Future Generali Cashless Network Hospitals in India
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Future Generali Health Surplus Expert Review
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Major Attractions
One of the best features about Health Surplus is that when combined with the existing health insurance policy, the top-up gives a high sum insured, and that too at a low premium rate. Talking about coverage offered, the list includes cover against hospitalisation expenses in excess of the deductible per hospitalisation incurred by you, but not exceeding the sum insured during the period stated in the policy schedule. Overall, the prime elements covered by the policy include-
- In-patient hospitalisation cover, including room, board and nursing expenses
- Expenses for fees of Surgeon, Medical Practitioner, Consultants, Anaesthetist, Specialists
- Expenses for Anesthesia, Surgical Appliances, Blood, Oxygen, Operation Theatre Charges, Medicines &
- Drugs and others
- Pre-hospitalisation expenses incurred within 60 days before hospitalisation on illness/injury sustained
- Post-hospitalisation expenses incurred within 90 days after the date of discharge from the hospital
- Freedom to opt for portability as per the portability guidelines
- No loading on premium for adverse claims experience
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What’s More?
Future Health Surplus is a smart plan that supports you during your time of distress by allowing affordability of medical treatment, even when they go beyond the cover amount. The best way to expand your health insurance cover, this economical policy allows you to make the most of its other benefits including-
- Free look period of 15 days for cancellation of policy
- Freedom of buying the policy even if you don’t have a mediclaim policy
- No medical examination up to 55 years of age, subject to proposal form having no adverse medical declarations
- Allowed continuity from similar indemnity type of high deductible products of any insurer
- Tax benefits provided under Section 80D of the Income Tax Act
- Family floater discounts on premiums depending on the age
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Conclusion
To conclude, Future Health Surplus is a great option to go with if you want to increase your coverage. Having a turnaround time of 90 minutes for cashless claims and 14 working days for reimbursement claim settlement, the policy is worthwhile.
People interested in buying this top-up policy, make sure you choose the online mode and reap benefit of quick policy issuance and policy transparency. To add to your benefits and convenience, buy Health Surplus from InsuranceDekho to avail policy portability, claim settlement support, and multiple other after-sales services offered. Rest assured, you will make the right decision.
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Claim Process at Future Generali Health Insurance
FAQs on Health Surplus Health Insurance Plan
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Does the Health Surplus plan covers pre and post hospitalisation expenses?
Pre-hospitalisation expenses are covered within 60 days and post-hospitalisation expenses are covered up to 90 days.
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Is cashless claim facility available under Health Surplus plan?
Yes, there is a cashless claim facility available under Health Surplus plan.
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Is Health Surplus plan available as a stand-alone policy?
Health Surplus plan can either be taken as a standalone policy as well can be clubbed with Health Suraksha or any other individual health insurance or group insurance plan.
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What is the waiting period under the Health Surplus plan?
The pre-existing conditions are covered after a waiting period of 4 years. Joint replacement surgery is covered after 3 years.