Future Generali Future Health Surplus Plan

What is the Plan all About?

Future Health Surplus is a top up plan which enhances your protection for your basic health insurance at a cost effective price. It is a high deductible top up plan which comes to rescue when your basic health insurance sum insured is exhausted. This plan covers expenses during hospitalization due to accident or sickness.

Key Features

Available on Individual & Floater Sum insured basis
Pre medical test waived off upto age 55
No loading on premium for adverse claim history
Enhanced coverage at a low premium cost

Policy Benefits

Inpatient hospitalization expenses covered for the minimum stay of 24 hours, which includes, nursing expenses, room rent, doctor’s fees,etc.
Operation related expenses like anesthetist, surgeons, OT charges, surgical appliances,etc. are covered under this plan.
Pre hospitalization expenses 60 days prior to being hospitalized are covered.
Post Hospitalization expenses 90 days post discharge from the hospital are covered.

Value Added Benefits

No loading on premium for the adverse claims.
Premium paid is exempted under section 80 D of Income Tax Act, 1961.
Policy can be ported as per the Potaility Guidelines of the regulator.
Lifelong renewability offered for this plan.

Waiting Period Clause

Initial Waiting Period: 30 days waiting period for any kind of claims excluding accidental hospitalization.
Specific Waiting Period: 2 years Waiting Period for specific conditions like cataract, hernia,etc. which arementioned in the policy.
Pre existing Disease Waiting Period: Any pre-existing condition is covered after the waiting period of 4 years of continuous coverage.

Who can Buy the Plan?

Factor	Minimum	Maximum
Age (as on last birthday)	Adult:18 Years , Child: 3 Months	Adult:65 Years. Child: 25 Years
Deductible	2 Lacs	5 Lacs
Cover Type	Individual/Family Floater	-
Policy Tenure	1 Year	1 Year
Grace Period	30 Days	-
Free Look Period	15 Days	-
Riders	Nil	-