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Healthcare can be financially demanding, even if you already have health insurance. Sometimes, a medical expense can be beyond your insurance coverage. In such cases, increasing your health insurance coverage may help you out.
Is it possible? Yes, Generali Central’s health insurance top-up allows you to extend your coverage. By opting for it, you are insured for a larger amount. Therefore, you can opt for the best treatment rather than settling for average. The insurance is available on an individual and family basis.
We cover both your parents under the same policy.
Our doors are always open. So, port your existing senior citizen insurance policy with us without any hassle.
We respect your choice. So, if you ever wish to cancel the policy, you can do it without any penalty within 15 days from purchase.
We know you are busy. So, we give you 30 grace days to renew your plan after expiry.
Our average turnaround time for claims settlement is within 30 working days.
We are very flexible and you can cover your spouse and children also.
Our Top-Up insurance provides you with extended coverage. With it, you no longer have to compromise in your treatment. Here’s what the policy covers:
INCLUSIONS
Hospitals are getting expensive by the day. But your savings are safe, thanks to our top-up policy. With our policy, you can solely focus on your treatment without worrying about your savings.
Our plan takes care of the room, boarding, and nursing expenses. Medication, x-ray, tests, and consultant fees are also covered.
We cover medicines, diagnostic materials, X-ray, operation theatre costs, specialist fees, consultants, etc.
EXCLUSIONS
Congenital diseases & illnesses
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
We secure
Adults: 18 years to 65 years of age. There is a lifetime renewal option
Children: 3 months to 25 years of age, provided the parents are simultaneously insured with us
Our maximum sum insured is (Rs)
Sum Insured Deductible per hospitalization
3,00,000 2,00,000
5,00,000 2,00,000 - 3,00,000
7,00,000 3,00,000
10,00,000 5,00,000
Pre-Acceptance Medical Tests
Age up to 55 years
Medical tests waived subject to no adverse health declaration on the proposal form.
Age over 55 years
Medical tests required and 50% of the test charges are reimbursed, if you or family members are insured with us.
Medical Report validity
30 days from the day tests were done.
You can purchase our policies in several ways:
You Can Call On Our HELPLINE
1800-220-233 / 1860-500-3333 / 022-67837800
SEND US AN EMAIL
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.
Our claim settlement process is fast and relaible
Collate Documents
Upon discharge, pay all hospital bills and collect all original documents of treatment undergone and expenses incurredClaim Form
Download and fill the Generali Central health claim form
Document Submission
Submit original documents to the nearest Generali Central branch
Claim Settlement
We will settle the claim in subject to policy terms and conditionsFile your claim in minutes with Generali Central’s easy four-step claim process
Visit Hospital
Approach an insurance desk of your nearest Generali Central Network Hospitals and show your health card for Cashless Treatment
Verify Yourself
The Network Hospital will verify your identity and submit duly filled pre-authorization form with Generali CentralGet Admitted
You get admitted without any deposit and get cashless treatmentPeace of Mind
Once you are discharged, the hospital will send your claim documents to Generali Central and the authorized amount will be settled directly with the hospitalYes, you may port your existing policy by applying to us 45 days before your policy expiry date.
Yes, there are waiting periods for joint replacement (3 years) and Pre- existing condition (4 years)
No tests would be conducted in case of proposer/insured less than 55yrs and subject to clean proposal form (without health declaration). However in case of any health declaration medical test may be required regardless of age.
Health Surplus is a high deductible health plan which pays for inpatient medical expenses in excess of the prescribed deductible limit. The deductible is applied on each and every claim.
Yes, pre (60 days) and post (90 days) hospitalisation is covered.
It means prescribed deductible amount will be reduced from each admissible claim and balance amount paid. In cases where relapse within 45 days of first hospitalisation, single deductible will be applied on the total claim amount.
Yes, you can insure yourself, your spouse and up to 2 dependent children under a floater policy.
The maximum indemnity for Rs. 5 lakhs coverage with Rs. 2 lakhs deductible is Rs. 5 lakhs. For eg. If the Sum Insured is Rs. 5 lakhs and deductible is Rs. 2 lakhs, our liability for a claim of Rs. 7 lakhs would be Rs. 5 lakhs (which is over and above the deductible).
Yes, Health Surplus can be taken as a stand-alone plan. It can also be taken alongwith Health Suraksha or any other Individual Health Insurance or Group Insurance Plans.
Yes, cashless facility is available.
In cases where the actual medical expenses cross the threshold limit i.e. deductible, this policy will help. Moreover this policy has very attractive premium rates and can be opted in combination with Health Suraksha to provide higher coverage at reasonable premium.
Yes. Tax benefits are available for health insurance policies under Sec. 80D of the Income Tax Act.
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PRODUCT NAME: FUTURE HEALTH SURPLUS | UIN NO: FGIHLIP21158V022021 | LAUNCH DATE: 1ST OCTOBER 2020
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