Star Health vs Future General
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Star Health vs Future General

Star Health and Future General both come with a plethora of insurance solutions and a vast product portfolio. Both companies are well known for their all-inclusive plans that cover individuals as well as their families. The network hospitals under the umbrella of Star Health are 14000+ Number Of Network Hospitals whereas Future General has 8430+ Number Of Network Hospitals of them. The companies provide benefits such as hospitalization, accidental care, daycare procedures, critical illness and senior citizen coverage, along with affordable premiums and high sum insured new age insurance plans.

PLAN DETAILS Edit Star Health

Star Health

 Edit future-generali

Future General
Number of health insurance plans and add-ons
Sum insured Up to 2Cr Up to 6 Cr
Network hospitals 14000+ 8430+
Claim ratio 99.06% 96%
Preventive health check-up Available (plan dependant) Available (plan dependant)
Existing illness cover Available Available
No claim bonus Available Available
Online discount Available Available
OPD coverage Covered (plan dependant) Covered (plan dependant)
Day care treatment Available Available
Wellness benefits Available (plan dependant) Available (plan dependant)
Discount on renewal Available Available
Global coverage Not Available Not Available
Cashless Facility Available Available
Exclusive Plans for Senior Citizen Available Available
Exclusive Plans for Women Available Available
Exclusive Plans for Critical Illness Available Available
Exclusive Plans for Family Available Available
Top selling plans Star comprehensive, Star SCRC, young star, star women care Future Generali Health Super Saver

Health Insurance Companies

Finding a reliable insurance company is as critical as purchasing suitable medical insurance plans to avail of all the expected benefits of the policy. Here are the 28 most trusted health insurance providers in India.

Star Health Insurance

Care Health Insurance

Aditya Birla Health Insurance

HDFC ERGO Health Insurance

Apollo Munich Health Insurance

Niva Bupa Health Insurance

ICICI Lombard Health Insurance

Tata AIG Health Insurance

Bajaj Allianz Health Insurance

SBI Health Insurance

Royal Sundaram Health Insurance

ManipalCigna Health Insurance

Reliance Health Insurance

IFFCO Tokio Health Insurance

Future Generali Health Insurance

National Health Insurance

United India Health Insurance

New India Health Insurance

Navi Health Insurance

ACKO Health Insurance

Digit Health Insurance

ZUNO General Insurance

Universal Sompo Health Insurance

Liberty Health Insurance

Kotak Mahindra Health Insurance

Magma Health Insurance

Cholamandalam MS Health Insurance

Oriental Health Insurance

Raheja QBE MS Health Insurance

Know More About Health Insurance Companies

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Star Health Insurance Plans

Star Health medical insurance plans are designed to meet all the healthcare requirements of the masses. PolicyX.com has made it simpler for you to choose a Star health plan tailor-made for your and your family by classifying it in different sections as given below:

Star Health Insurance Individual & Family Plans

Comprehensive

Star Comprehensive Plan

This policy is designed to provide complete protection against all health care eventualities to you and your family.

Unique Features

  • Avail free health check-ups
  • Hospital Cash Benefit
  • 100% Automatic Restoration

Star Comprehensive Plan (Pros)

  • 99.6% CSR
  • Up to 1 Cr SI
  • Maternity Cover
  • New Born Baby Cover
  • Road and Air Ambulance

Star Comprehensive Plan (Cons)

  • No Global Coverage
  • No IVF Treatment
  • No compassionate Travel
  • HIV/AIDS not covered

Star Comprehensive Plan (Other Benefits)

  • Individual and family floater
  • Mid-term inclusion available
  • Accidental Death
  • Permanent Total Disablement
  • Star Wellness Program

Star Comprehensive Plan (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 5 L to 1 Cr
  • Waiting Period - 30 Days

Comprehensive

Star Family Health Optima Policy

The plan is ideal for the families who want to get covered under single sum insured.

Unique Features

  • Automatic Restroration of SI
  • Instant Recharge UPTO 30% of SI
  • New born baby cover from 16th day

Family Health Optima Policy (Pros)

  • No Pre-Policy Check-up
  • Lifelong Renewability
  • High SI available
  • COVID-19 cover
  • OPD covered

Family Health Optima Policy (Cons)

  • PED cover not available
  • Obesity Treatment Unavailable
  • Hazardous Activities
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Family Health Optima Policy (Other Benefits)

  • Long term discounts
  • Premium Payment flexibility
  • Health Check-up Cover
  • Domiciliary Hospitalization
  • Modern Treatment Cover

Family Health Optima Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 25 L
  • Waiting Period - 30 Days

Youth-specific

Star Young Star Policy

Created for young individuals under 40 years of age. It also offers various benefits such as discounts on renewals, incentive-led wellness programs, lowest waiting periods.

Unique Features

  • No-claim bonus
  • Hospital daily cash
  • Automatic restoration of SI

Star Young Star Policy (Pros)

  • Mid-term inclusion
  • 10% discount on early purchase
  • Star Wellness Program
  • Flexible-Premium Payment
  • 2 Plan variants

Star Young Star Policy (Cons)

  • PED waiting period
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Star Young Star Policy (Other Benefits)

  • Hospital Cash Benefit
  • Lifelong Renewal
  • E-opinion
  • No-claim bonus
  • Automatic Restoration

Star Young Star Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 40 Years
  • SI - 3 L to 1 Cr
  • Waiting Period - 30 Days

Standard

Star Arogya Sanjeevani Policy

A standard health plan mandated by IRDAI that covers all essential healthcare benefits including Ayush treatment, day care procedures, etc. for individuals and families.

Unique Features

  • Room rent up to 5K/day
  • Modern treatments covered
  • 20% rural discount available

Arogya Sanjeevani Policy (Pros)

  • Affordable Plan
  • 50% No Claim Bonus
  • Flexible Policy
  • Day Care Procedures Covered
  • Up to 25% of SI for Cataracts

Arogya Sanjeevani Policy (Cons)

  • 5% Co-payment
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Arogya Sanjeevani Policy (Other Benefits)

  • Lifelong Renewal
  • Road Ambulance Cover
  • Day Care Procedures Covered
  • AYUSH treatment Cover
  • Rural Discount

Arogya Sanjeevani Policy (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 1 L to 10 L
  • Waiting Period - 30 Days

Comprehensive

Star Medi Classic Policy (Individual)

A uniquely designed insurance policy that covers organ donor expenses up to sum insured, AYUSH treatments, modern treatments, and many more.

Unique Features

  • All Daycare procedures
  • Automatic Restoration
  • Domiciliary hospitalization

Medi Classic Policy (Individual) (Pros)

  • Plan Variants Available
  • Customizable Plan
  • Hospital-Cash Benefit
  • 5% Family Discount
  • Organ Donor Cover

Medi Classic Policy (Individual) (Cons)

  • 10% Co-payment
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Medi Classic Policy (Individual) (Other Benefits)

  • New Born Baby Cover
  • 100% Super Restoration
  • Up to 100% No-claim Bonus
  • Psychiatric coverage
  • Patient Care Cover

Medi Classic Policy (Individual) (Eligibility Criteria)

  • Entry Age - 16 Days
  • Max Entry Age - 65 Years
  • SI - 1.5 L to 25 L
  • Waiting Period - 30 Days

Flexible

Star Health Gain Policy

Provides flexibility in terms of choosing the Sum Insured amount, premium amount, family size. It can be a perfect tax saver for you.

Unique Features

  • All Daycare procedures
  • Coverage for Modern Treatment
  • Outpatient Expense

Star Health Gain Policy (Pros)

  • Day Care Procedures Covered
  • Road Ambulance Available
  • Modern Treatments Available
  • Outpatient Benefit

Star Health Gain Policy (Cons)

  • 20% Co-payment
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Star Health Gain Policy (Other Benefits)

  • Up to 60k Cataract cover
  • Room Rent Cover
  • ICU Cover
  • Wide SI options
  • Flexible Premiums

Star Health Gain Policy (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 Years
  • SI - 1 L to 5 L
  • Waiting Period - 30 Days

Star Health Insurance Specialized Plans

Women Care

Star Women Care Plan

A special plan designed for women, wherein women can avail multifold benefits along with the coverage to the whole family.

Unique Features

  • Coverage for Modern Treatments
  • Coverage during Pregnancy
  • Preventive Health Check Up

Star Women Care Plan(Pros)

  • Designed for Women's Care
  • Cancer cover optional
  • Bariatric Surgery Cover
  • Mid-term inclusions
  • High SI

Star Women Care Plan (Cons)

  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Congenital Disease Cover

Star Women Care Plan (Other Benefits)

  • 10% long-term discount
  • 10% Air Ambulance Cover
  • Pain Management Cover
  • Assisted Reproduction
  • Automatic Restoration

Star Women Care Plan (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 75 Years
  • SI - 5 L to 1 Cr
  • Waiting Period - 30 Days

Senior Citizen

Star Health Senior Citizens Red Carpet Policy

The plan is specially designed for those individuals who are willing to secure their old-age medical needs after their retirement.

Unique Features

  • Guaranteed Lifelong renewals
  • No Pre-acceptance Medical test
  • Availability of Instalment Facility

Senior Citizens Red Carpet Policy (Pros)

  • Individual & family floater plan
  • Flexible SI
  • Road Ambulance Cover
  • ICU cover
  • Health Check-up cover

Senior Citizens Red Carpet Policy (Cons)

  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Congenital Disease Cover

Senior Citizens Red Carpet Policy (Other Benefits)

  • Flexible-Premium Payment
  • Cataract Treatment available
  • Modern treatment cover
  • No pre-policy checkup
  • OP Consultation

Senior Citizens Red Carpet Policy (Eligibility Criteria)

  • Entry Age - 60 Years
  • Max Entry Age - 75 Years
  • SI - 1 L to 25 L
  • Waiting Period - 30 Days

Top-up

Star Super Surplus Policy

The plan offers additional coverage to the policyholder in case their existing coverage is exhausted.

Unique Features

  • All Daycare procedure
  • Pre and Post Hospitalization
  • Organ Donor Expense

Star Super Surplus Policy (Pros)

  • Flexible Policy
  • Avail Long Term Discount
  • Cover family up to 2A+3C
  • Lifelong renewal
  • 2 Plan variants

Star Super Surplus Policy (Cons)

  • Includes Deductibles
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Congenital Disease Cover

Star Super Surplus Policy (Other Benefits)

  • Avail e-opinions
  • Star Wellness Services
  • Recharge benefit
  • Air Ambulance
  • No pre-policy Medical check-up

Star Super Surplus Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 5 L to 1 Cr
  • Waiting Period - 30 Days

Critical Illness

Star Criticare Plus Policy

Provides reimbursement of hospitalization expenses and also provides a total amount of sum insured if the insured person is diagnosed with a major illness.

Unique Features

  • Modern Treatment Covered
  • Non-allopathic Treatment
  • Coverage Medicine and drugs cost

Star Health Insurance Pre-existing Diseases Plans

Cardiac

Star Cardiac Care Policy

Star Cardiac Care is ideal for those individuals who want to cover the expenses of cardiac & non-cardiac ailments.

Unique Features

  • Accidents and non-cardiac ailments
  • Day care procedure
  • No pre-acceptance Medical test

Star Cardiac Care Policy (Pros)

  • Flexible Product
  • Personal Accident Cover
  • 2 Plan Variants
  • Road Ambulance
  • Day Care Procedures

Star Cardiac Care Policy (Cons)

  • 10% Co-Payment
  • PED
  • Cosmetic Surgery
  • Obesity Treatment
  • Change of Gender Treatments

Star Cardiac Care Policy (Other Benefits)

  • Personal Accident Cover
  • Heart Transplantation
  • OPD expenses Cover
  • Modern Treatment Cover
  • COVID-19 Cover
  • Cataract Cover

Star Cardiac Care Policy (Eligibility Criteria)

  • Entry Age - 10 Years
  • Max Entry Age - 65 Years
  • SI - 3 L to 4 L
  • Waiting Period - 30 Days

Cancer care

Star Cancer Care Gold (Pilot Product)

Covers the risk of spreading/recurrence of first cancer (metastasis) & second cancer (second malignancy)

Unique Features

  • Pre-hospitalization (30 days)
  • All daycare procedure
  • Nursing Expense

Autism Spectrum Disorder

Star Special Care Policy

Star Special Care provides coverage to children (3 years to 25 years) who are diagnosed with Autism Spectrum Disorder.

Unique Features

  • No Pre-medical test
  • Nursing Expense
  • Emergency Ambulance Charges

Star Special Care Policy (Pros)

  • Modern Treatment Available
  • Day Care Procedures Available
  • Ambulance cover
  • Room rent cover
  • Shared Accommodation cover

Star Special Care Policy (Cons)

  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Pre-existing Diseases

Star Special Care Policy (Other Benefits)

  • Treatment of Seizures
  • Behavioral Therapy Cover
  • Speech Therapy Cover
  • Occupational Therapy Cover
  • Adeno Tonsillectomy

Star Special Care Policy (Eligibility Criteria)

  • Entry Age - 3 Years
  • Max Entry Age - 25 Years
  • SI - 3 L
  • Waiting Period - 30 Days

Star Health Insurance COVID-19 Specific Plans

COVID-19

Star Novel Coronavirus (nCoV) (COVID-19) Insurance Policy

This plan is for individuals who want to protect themselves and their families against the deadliest virus of Covid-19.

Unique Features

  • No pre-medical Test
  • Only 16 days of Waiting Period
  • Low premium amount

COVID-19

Corona Kavach Policy

It covers the cost of hospitalization if the policyholder tested positive for COVID-19.

Unique Features

  • AYUSH Treatments
  • Home Care Treatment
  • No pre-medical screening test

COVID-19

Corona Rakshak Policy

This policy offers 100% sum insured to the policyholder if he/she tested positive for COVID-19.

Unique Features

  • No pre-medical screening test
  • Sum insured: INR 50K to 2.5Lakhs
  • Only 15 days Waiting Period

Future Generali Health Insurance Plans

Future Generali Health Insurance offers various health products to cater to the healthcare needs of every individual. At present, Future Generali has come up with 13 health insurance plans. Have a look at the table below to get an insight into the types of plans offered.

Individual & Family Health Insurance Plans

Future Generali Advantage Top-Up

The plan acts as a top-up to your existing health insurance cover & supplements your existing health insurance when your basic health insurance cover is exhausted.

Unique Benefits

  • 2 variants to choose from
  • Cancer and heart issues covered
  • Daycare treatments covered

Advantage Top-Up (Pros)

  • Family Discount
  • Loyalty Discount
  • Floater Benefit
  • Easy Portability
  • Long Term Discount

Advantage Top-Up (Cons)

  • No War Injury Cover
  • No Cosmetic Surgeries
  • No Self-inflicted Injury
  • No Fertility-related Illnesses
  • No Obesity Treatment Cover

Advantage Top-Up (Other Benefits)

  • ICU Expenses
  • Specialist Fees
  • No Loading
  • Consultancy Cover
  • Operation Charges

Advantage Top-Up (Eligibility Criteria)

  • Entry Age - 1 Day
  • Max Entry Age - Lifelong
  • SI - 50 K to 1 Cr
  • Waiting Period - 30 Days

Future Generali Aarogya Bima

An extensive strategy that includes gay and bisexual individuals.This plan covers hospitalisation for both the live-in partner and the spouse.

Unique Features

  • Lifelong renewals
  • SI on Family Basis
  • Daycare treatments covered

Aarogya Bima (Pros)

  • 5% Long Term Discount
  • Hospitalization Benefit
  • Death Cover
  • Loss Of Speech Cover
  • Deafness Cover

Aarogya Bima (Cons)

  • 10 % Copay
  • No Hazardous Sports Cover
  • No War Injury
  • No Non-Allopathic Cover
  • Cosmetic Surgery unavailable

Aarogya Bima (Other Benefits)

  • 5% Family Discount
  • Kidney Failure Cover
  • Open Heart Surgery Cover
  • Brain Tumor Cover
  • Cancer Cover

Aarogya Bima (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 2 L to 5 L
  • Waiting Period - 30 Days

Future Generali Arogya Sanjeevani

A health insurance plan that offers standard benefits as directed by the IRDAI. The plan offers coverage up to INR 10 Lakhs.

Unique Features

  • Cataract Treatments covered
  • Coverage for Modern Treatments
  • Avail up to 50% increase in SI

Arogya Sanjeevani (Pros)

  • Day Care Procedures
  • Inpatient Care
  • Plastic Surgery Due to Injury
  • Dental Cover
  • AYUSH Cover

Arogya Sanjeevani (Cons)

  • 4-Year WP For Joint Replacement
  • No Diabetics 2 Cover
  • No War Injury
  • 2 Year WP For Cataract
  • Cosmetic Surgery unavailable

Arogya Sanjeevani (Other Benefits)

  • Cataract Cover
  • Post Hospitalization
  • Pre Hospitalization
  • Oral chemotherapy Cover
  • Stem cell therapy Cover

Arogya Sanjeevani (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI -NA
  • Waiting Period - 30 Days

Future Generali Critical Illness

A specialized cover designed to offer protection against 12 listed critical illnesses such as cancer, kidney failure, severe heart attack, total blindness and many more.

Unique Features

  • Lump sum payout on diagnosis
  • Floater Benefit available
  • Coverage up to 50L

Critical Illness (Pros)

  • Kidney Failure Cover
  • Liver Failure Cover
  • First Heart Attack Cover
  • Total Blindness Cover
  • Spouse Cover

Critical Illness (Cons)

  • No Birth Control Cover
  • No Hormone Replacement Cover
  • No War Injury
  • No Gender Change Cover
  • Cosmetic Surgery unavailable

Critical Illness (Other Benefits)

  • Family Floater Discount
  • Coma Cover
  • Open Chest Cover
  • Cancer Cover
  • Ambulance Cover

Critical Illness (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 50 L
  • Waiting Period - 30 Days

Future Generali Health Super Saver

Health Super Saver comes with 2 plan options offering a 80% discount under the Super Saver Discount option**.

Unique Features

  • Home Health Care Services
  • Organ Donor Expenses
  • Daycare treatments

Health Super Saver (Pros)

  • Impatient Treatment Cover
  • Daycare Treatment Cover
  • Alternative Treatment Expenses
  • Maternity Benefits
  • Organ Donor Benefit

Health Super Saver (Cons)

  • Domiciliary Treatment
  • Alcoholism Unavailable
  • Hazardous Activity not covered
  • Vaccination not covered
  • Cosmetic Surgery unavailable

Health Super Saver (Other Benefits)

  • Floater Benefit
  • Easy Portability
  • 10% Discount for Family Members
  • 80% No Claim Bonus
  • 100% Medical Reimbursement

Health Super Saver (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 70 Years
  • SI - 3 L to 50 L
  • Waiting Period - 30 Days

Future Generali Health Suraksha Insurance

From simple daycare treatment to major operations, the plan comes out with various benefits to deal with the multiple needs of the policyholder.

Unique Features

  • Cumulative Bonus up to 50%
  • Flexible 4 plan variants
  • Compassionate benefit

Health Suraksha Insurance (Pros)

  • Hospitalization Expenses
  • Free Medical Checkup
  • Organ Donor Expenses
  • Loyalty Discount
  • Recharge of SI

Health Suraksha Insurance (Cons)

  • No Organ Transplantation Cover
  • Infertility Cover Unavailable
  • No STD covered
  • No Maternity Cover
  • Cosmetic Surgery unavailable

Health Suraksha Insurance (Other Benefits)

  • Renewal Benefits
  • Cataract Treatment Cover
  • Ambulance Cover
  • Inpatient Treatment Cover
  • Free Medical Checkup

Health Suraksha Insurance (Eligibility Criteria)

  • Entry Age -90 Days
  • Max Entry Age - 70 Years
  • SI - 50 Thousand To 10 L
  • Waiting Period - 30 Days

Future Generali Health Specialized Plans

Future Generali Vector Care

Provides a lump sum benefit in the case the policyholder is diagnosed with Malaria, Dengue, Lymphatic Filariasis, Kala-azar etc.

Unique Features

  • 100% restoration of SI
  • No medical check-up
  • Discounts available

Future Generali Health Total Policy

A comprehensive health insurance plan that provides coverage against medical expenses. Moreover, the plan also looks after your overall well-being.

Unique Features

  • Coverage for Mental Illness
  • E-opinion for illness or injury
  • Maternity Expenses covered

Health Total Policy (Pros)

  • Consultation Cover
  • Newborn Baby Cover
  • Organ Donor Cover
  • Cumulative Bonus
  • 15 Family Member Cover

Health Total Policy (Cons)

  • Congenital diseases
  • Illness Due To Alcohol
  • Sex Change Treatment
  • Hormone Replacement Therapy
  • No Obesity Treatment Cover

Health Total Policy (Other Benefits)

  • Dental Consultations
  • Out-Patientt Treatment
  • Wellness Care
  • Medication Cover
  • OPD Cover

Health Total Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - NA
  • Waiting Period - 30 Days

Future Generali Hospital Cash

The plan provides a daily hospital cash covering incidental expenses to both the insured and their family members.

Unique Features

  • Avail ICU outside your city
  • Additional convalescence benefit
  • No previous Mediclaim required

Hospital Cash (Pros)

  • ICU Benefit In Your City
  • Recovery Benefit
  • 10 Days ICU Benefit
  • Convalescence Benefit
  • Lifelong Renewal

Hospital Cash (Cons)

  • No Non-allopathic Treatment
  • No Cosmetic Surgeries
  • No Self-inflicted Injury
  • No Fertility-related Illnesses
  • No Obesity Treatment Cover

Hospital Cash (Other Benefits)

  • Daily Hospital Cash
  • Tax Benefit
  • No Loading
  • Easy Portability
  • Spouse Cover

Hospital Cash (Eligibility Criteria)

  • Entry Age - 6 Months
  • Max Entry Age - 65 Years
  • SI - NA
  • Waiting Period - 30 Days

Future Generali Personal Accident

The plan comes with 13 add-on covers and provides coverage against accidents.

Unique Features

  • Child Education support
  • No pre-medical test required
  • Repatriation & Funeral Benefits

Personal Accident (Pros)

  • Permanent Total Disability
  • 10% Family Discount
  • Easy portability
  • 14 Days Claim Settlement
  • Accident Death Cover

Personal Accident (Cons)

  • Domiciliary Treatment
  • Alcoholism Unavailable
  • Hazardous Activity not covered
  • Vaccination not covered
  • Cosmetic Surgery unavailable

Personal Accident (Other Benefits)

  • Permanent Partial Disability
  • Temporary Total Disability
  • Accidental Hospitalization Cover
  • Adaptation Allowance
  • Adventure Sports Benefit

Personal Accident (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 70 Years
  • SI - 3 L to 50 L
  • Waiting Period - 30 Days

Future Generali Surakshit Loan Bima

Designed for loan borrowers & offers protection against the difficulties one may face during loan repayment due to accident, or in case of critical illness.

Unique Features

  • Coverage against 18 critical illness
  • 5 plan options to choose from
  • No Survival Period required

Surakshit Loan Bima (Pros)

  • Loss Of Job Cover
  • Total Disablement Cover
  • Death Cover
  • Loss Of Speech Cover
  • Deafness Cover

Surakshit Loan Bima (Cons)

  • No Pregnancy Cover
  • No Hazardous Sports Cover
  • No War Injury
  • No Non-Allopathic Cover
  • Cosmetic Surgery unavailable

Surakshit Loan Bima (Other Benefits)

  • Medical Test Above 50
  • Kidney Failure Cover
  • Open Heart Surgery Cover
  • Brain Tumor Cover
  • Cancer Cover

Surakshit Loan Bima (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 10 Thousand to 3 Cr
  • Waiting Period - 30 Days

Future Generali Varishta Bima

Specially designed for senior citizens and is available on an individual and family floater basis which includes the insured and their spouse. SI goes up to 10 lacs.

Unique Features

  • Avail Road Ambulance
  • Free medical check-up available
  • Advance Treatments covered

Varishta Bima (Pros)

  • Affordable Premium
  • Daycare Treatment Cover
  • Cataract Surgery
  • Tax Benefit
  • Knee Replacement Cover

Varishta Bima (Cons)

  • 50% CoPayment On PED
  • Alcoholism Unavailable
  • No Dental Cover
  • 10% Copay On Hospitalization
  • Cosmetic Surgery unavailable

Varishta Bima (Other Benefits)

  • Ambulance Charge
  • Free Annual Medical Checkup
  • 10% Long Term Discount
  • 10% Family Discount
  • Spouse Cover

Varishta Bima (Eligibility Criteria)

  • Entry Age - 60 Years
  • Max Entry Age - LifeLong
  • SI - 2 L to 10 L
  • Waiting Period - 30 Days

Quick and Free Quick Comparison with Other Insurers

Star Health vs Care Health
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Star Health vs New India
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Star Health vs ZUNO Health
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Star Health vs Magma Health
Star Health vs Cholamandalam MS
Star Health vs Oriental Health
Star Health vs Raheja QBE
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Future General vs Star Health
Future General vs Care Health
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Future General vs HDFC ERGO
Future General vs Niva Bupa
Future General vs ICICI Lombard
Future General vs Tata AIG
Future General vs Bajaj Allianz
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Future General vs Digit Health
Future General vs ZUNO Health
Future General vs Universal Sompo
Future General vs Liberty Health
Future General vs Kotak Mahindra
Future General vs Magma Health
Future General vs Cholamandalam MS
Future General vs Oriental Health
Future General vs Raheja QBE
Future General vs United India
Future General vs ManipalCigna Health
Naval Goel

Reviewed By: Naval Goel

Naval Goel is the CEO & founder of PolicyX.com. Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of PolicyX.com Insurance Web Aggregator.

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