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Future Health Surplus

Top Up Health Insurance

Find out how this plan works for you

Its always better to be prepared. Extend your cover.

You already have a health policy, but will that cover any additional expenses? Especially in times when medical expenses are getting beyond everyone’s reach.

This plan supplements your existing health insurance where you can go for higher sum insured over and above a deductible limit. Available on Individual & Family floater basis.


calendar iconEntry Age

18 years to 65 years with a lifetime renewal option.

3 months to 25 years can be covered if parent(s) are concurrently insured with Future Generali.

moneybag iconMaximum Sum Insured

Sum Insured (Rs.) Deductible per hospitalisation (Rs.)
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

What’s Covered

  • Hospitalisation Expenses

    This is covered not exceeding the opted sum insured.

  • Inpatient Expenses

    Room, board and nursing expenses for a minimum period of 24 hours.

  • Other Inpatient Expenses

    Medicines & drugs, diagnostic materials and X-ray, operation theatre charges, consultants, specialists fees etc

Pre-Acceptance Medical Tests

Age up to 55 years
Medical tests waived subject to no adverse health declaration on the proposal form.

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. Medical tests will be done in our empanelled diagnostic centre.

Exclusions of this plan

  • Consequential Loss of any Kind or Description

  • Loss or Damage Caused by Depreciation or Wear and Tear

Disclaimer For complete details of Policy coverage, terms, conditions and exclusions, please refer the policy wordings. Click here to view Policy Wordings.

How can you buy this Policy?

Buy your Health Insurance Plan

We at Future Generali are committed to serve you and provide you convenient options to

  • Visit any of our nearest Branchoffice

  • Call us on our helpline numbers




  • Email us at

  • SMS “PRODUCT” to 9222211100 and we will arrange a call back.

Good health adds years to your life. Secure your family today by buying Future Generali Health Insurance Plan.

What happens next after you have purchased

When you become a Future Generali Health Customer, you will receive a membership pack containing the following:

  • Claim Form

    You can intimate your claim online or submit the form to your nearest branch or alternatively email 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

    Procedure along with list of ombudsman addresses. In case you are not satisfied with the resolution to the complaint as provided by us,you may approach theInsurance Ombudsman for review.

  • You can expect to receive this pack within 12-15 working days of purchasing our health insurance.

Making a Claim

At Future Generali,we will do everything to make your claim as simple and convenient.And here are few reasons why:

  • We have an in-house claim settlement team that processes your cashless claims within 90 minutes from the time we receive your cashless request and reimbursement claims within 14 working days from the time we receive your complete claim documents.

  • In order to get the periodic update on your claim,please ensure to mention your mobile number and e-mail Id on the claim form.

  • Find out more about how to make a claim or check out our claim process.

  • In-house team of professionals who can give specialised advice.

Contact our Helpline

In case you wish to speak to our experts about your policy, you can call us on:




You ask. We answer.

What is Health Surplus Policy?
Is pre and post hospitalisation covered under Health Surplus?
Is cashless mode of claim settlement available for Health Surplus?
Why should I prefer high deductible policy?
Can one take Health Surplus as a stand-alone plan?
If one takes a Health Surplus with Sum Insured of Rs. 5 lakhs and deductible of Rs. 2 lakhs, how much will he be paid if a claim arises?
What do you mean by per claim deductible?
Do I need to undergo Medical tests for taking this policy?
Is there any waiting period in Health Surplus policy?
Can I avail Health Surplus as floater option?
Can I port my existing high deductible policy to Health Surplus?
Do I get tax benefit under section 80D of IT act for premium paid to take Health Surplus?

Top reasons why this plan is ideal for you



Opt for this policy even if you don't have a Mediclaim policy. Up to the deductible limit, the expenses will be borne by you.


Floater Benefit

Under a single sum insured, cover yourself and your Family (family means Self, Spouse and up to 2 dependent children until 25 years).


Quick Turnaround Time

Our average turnaround time is 90 minutes for cashless claims and you get Reimbursement Claims settlement within 14 working days (Subject to all required information/documentation being submitted).



Port your existing policy with us to avail of benefits and services. Portability is as per the Portability guidelines of IRDAI.


Free Look Period

If you are not satisfied with the coverage, and terms and conditions of the policy, you can opt for cancellation of the policy within 15 days from the date of receipt of the policy documents, provided there has been no claim and you shall be entitled to a refund as per the policy terms and conditions.


30 Days for Renewal

From the expiry date of the policy, you get 30 days grace period for renewal.

Enjoy our value added services with Future Generali Health Privileges.

Disclaimer For complete details of Policy coverage, terms, conditions and exclusions, please refer the policy wordings. Click here to view Policy Wordings.