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Why should you get a Advantage Top-Up plan?

A top-up plan is your umbrella for the days when it rains too hard, and you only have a raincoat. This extended plan is necessary because:

· The medical costs are rising more sharply than inflation.

· Only a higher sum insured can beat rising medical expenses.

· Critical medical situations need wider coverage.

· Lower premiums.

· Additional tax saving.

Why buy Advantage Top Up Plan

Flexible

We are open to all your conditions. You can get this policy even if you do not have a Mediclaim plan.

Floater Benefit

Unity is strength. We allow you to cover yourself, spouse and 3 or 5 dependent children up to the age of 25 years.

Portability

We welcome you with open arms. You can port your existing insurance plan with us easily.

Free Look Period

We wish you only the best. So, in case you do not like the plan, cancel it within 30 days from purchase.

Grace Period

We know you are occupied. So, we allow you 30 days of grace for policy renewal.

Quick Claim Settlement

We settle our dues in time. Give us 90 minutes to process cashless claims and 14 working days for reimbursements.

What is in for you?

THERE ARE ADDITIONAL BENEFITS FOR YOU!

Family discount if you cover two or more family members in one policy
Loyalty discount of 2.5% if you already have one of our health insurance plans
Long-term discount up to 10% if paying your premiums upfront
Premium payment option in monthly, quarterly or half-yearly instalments
No loading on premiums for adverse claims
Conversion option to any indemnity health insurance plan, specific to some conditions
Tax savings

GCI Pocket Clinic

Get access to specialized doctor consultations right at your fingertips.

What is covered?

INCLUSIONS

Room Rent
ICU expenses
Nursing expenses
Medicines and drugs
Diagnostic costs
Operation Charges
Consultancy
Specialist Fees
Daycare Treatment
Pre-hospitalization
Post-hospitalization
Organ donor
Alternative Treatment
Emergency ambulance

What is not covered?

You deserve to have full and truthful information. Our top plan excludes:

EXCLUSIONS

Any unnatural cause of physical injury like alcohol, drug influence, etc.
Injury or illness caused in a war, invasion or other similar operations
Hormone or sex-change related treatment
Non-prescribed drugs & medicines

Plans and Eligibility

Our plans

Supreme plan: Includes all ailments, as well as heart issues and cancer
Elite plan: Includes cancer and heart ailments

We secure

Anyone who is 18 years of age can buy our plan. We also offer lifetime renewability
The plan covers children from day one up to 25 years

Policy term

Minimum – 1 year
Maximum – 3 years

Small waiting period for inclusion of specific benefits

WAITING PERIOD	DISEASES
30 days	Any illness, diagnosed or diagnosable except those incurred as a result of injury
24 months	Pre-existing conditions, Benign Prostatic Hypertrophy, Dysfunctional Uterine Bleeding, Hysterectomy, Surgery for Prolapsed Inter Vertebral Disc unless arising from Accident, etc.

How Can I Purchase
Advantage Top up?

1
Get a quick quote

We only need some basic details to give you a quote.
2
Fill the form
Select a quote that suits you and fill our proposal form. Answer some questions about your health.
3
Pay and get your policy
Now pay the premium and get your policy in your inbox!

What happens after purchase?

Once you secure the insurance cover, you get a financial assurance for all your health needs. You also get documents for your better understanding and convenience.

Health Card for Cashless Treatment It is for utilising cashless facility at network hospitals. You can even avail discounts which are offered by our allied partners. Check out the GCH Privilege section for getting more details.
Policy Schedule You will receive the policy schedule. It is an outline of the cover which is provided by the purchased policy. Details of the policyholder, coverage amount, additional clauses, exclusions, warranties etc will be given in this policy.
Premiums Receipt You will receive the receipt of the premium amount you have paid to purchase this policy.
80D Tax Deduction Certificate 80D certificate for tax deduction if the premium is paid via Credit Card/ Debit Card, Net Banking, or Cheque except cash payment.
Policy Coverage and Terms & Conditions This is a comprehensive document which lists down the coverage offered by the policy along with terms and conditions. It is better to read this thoroughly and highlight important points. In case of any discrepancy or doubt, do get in touch with us immediately.
Claim Form You can either intimate your claim online or submit the form to a branch of your choice. You can also email the claim details to us.
Complaint / Feedback Form Should you have any complaints/feedback, you can fill in the form and submit it to the nearest branch or email us.
Grievance Redressal In case you aren’t satisfied with the resolution provided by us to your complaint, then you can approach the Insurance Ombudsman. This form will have details about the procedure to approach the insurance ombudsman along with the addresses of the ombudsman.

What is the reimbursement claim process?

Our claim settlement process is fast and relaible

1

Collate Documents

Upon discharge, pay all hospital bills and collect all original documents of treatment undergone and expenses incurred
2

Claim Form

Download and fill the GCI health claim form
3

Document Submission

Submit original documents to the nearest Generali Central branch
4

Claim Settlement

We will settle the claim in subject to policy terms and conditions

What is cashless claim process?

File your claim in minutes with Generali Central’s easy four-step claim process

1

Visit Hospital

Approach an insurance desk of your nearest GCI Network Hospitals and show your health card for Cashless Treatment
2

Verify Yourself

The Network Hospital will verify your identity and submit duly filled pre-authorization form with Generali Central
3

Get Admitted

You get admitted without any deposit and get cashless treatment
4

Peace of Mind

Once you are discharged, the hospital will send your claim documents to GCI and the authorized amount will be settled directly with the hospital

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Download documents

Receive all your documents with a click

PRODUCT NAME: ADVANTAGE TOP UP | UIN NO: GCIHLIP23053V032223 | LAUNCH DATE: 05TH-SEP-2022

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Get more coverage on your insurance

Enjoy more protection with a top-up today

Why should you get a Advantage Top-Up plan?

Why buy Advantage Top Up Plan

Flexible

Floater Benefit

Portability

Free Look Period

Grace Period

Quick Claim Settlement

What is in for you?

GCI Pocket Clinic

What is covered?

What is not covered?

Plans and Eligibility

Small waiting period for inclusion of specific benefits

How Can I Purchase
Advantage Top up?

Get a quick quote

Fill the form

Pay and get your policy

What is the reimbursement claim process?

What is cashless claim process?

Need to know more about Health Insurance?

Download documents

Get more coverage on your insurance

Enjoy more protection with a top-up today

Why should you get a Advantage Top-Up plan?

Why buy Advantage Top Up Plan

Flexible

Floater Benefit

Portability

Free Look Period

Grace Period

Quick Claim Settlement

What is in for you?

GCI Pocket Clinic

What is covered?

What is not covered?

Plans and Eligibility

Small waiting period for inclusion of specific benefits

How Can I Purchase Advantage Top up?

Get a quick quote

Fill the form

Pay and get your policy

What is the reimbursement claim process?

What is cashless claim process?

Need to know more about Health Insurance?

Download documents

How Can I Purchase
Advantage Top up?