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Get more coverage on your insurance
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 savings
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?
Fill the form
Select a quote that suits you and fill our proposal form. Answer some questions about your health.
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.
Premium 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
Collate Documents
Upon discharge, pay all hospital bills and collect all original documents of treatment undergone and expenses incurred
Claim Form
Download and fill the GCI health claim form
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
Visit Hospital
Approach an insurance desk of your nearest GCI 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 Central
Get Admitted
You get admitted without any deposit and get cashless treatment
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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PRODUCT NAME: ADVANTAGE TOP UP | UIN NO: GCIHLIP23053V032223 | LAUNCH DATE: 05TH-SEP-2022
