Tata AIG vs Future General
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Tata AIG vs Future General

Tata AIG 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 Tata AIG are 10000+ 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 Tata AIG

Tata AIG

 Edit future-generali

Future General
Number of health insurance plans and add-ons
Sum insured Up to 3Cr Up to 6 Cr
Network hospitals 10000+ 8430+
Claim ratio 93.55% 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 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 Tata AIG MediCare, Tata AIG Arogya Sanjeevani 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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Plans offered by TATA AIG Health Insurance

Below is a list of plans offered by Tata AIG that will help you narrow down your search. Go through all the plans carefully and choose your ideal plan carefully.

Individual & Family Health Insurance

Comprehensive Plan

TATA AIG Medicare Health Insurance

A health plan that supports you in times of medical emergencies. The plan comes in 3 types, Tata AIG MediCare, Tata AIG MediCare Protect, and Tata AIG MediCare Premier.

Unique Features

  • Global Coverage
  • 540+ Day care treatments
  • Compassionate Travel up to 20K

Medicare Health Insurance (Pros)

  • Qualified Nurse
  • Restore Benefit
  • Room Rent
  • Organ Donor
  • Domiciliary Treatment

Medicare Health Insurance (Cons)

  • Injury due to Suicide Attempt
  • Death due to Drugs
  • Injuries Due to Breach of Law
  • Injuries/Death due to Aviation
  • STDs

Medicare Health Insurance (Other Benefits)

  • AYUSH Benefit
  • Health Checkup
  • Bariatric Surgery Cover
  • Vaccination cover
  • 50%Cumulative Bonus

Medicare Health Insurance (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 3 L - 20 L
  • Waiting Period - 30 Days

Standard plan

TATA AIG Arogya Sanjeevani Policy

A standard health plan designed to cover basic medical needs and keep you and your family protected in case of medical contingencies.

Unique Features

  • Cataract Treatment covered
  • AYUSH Coverage
  • Flexible Premium Payment

Arogya Sanjeevani Policy (Pros)

  • Robotic Surgeries
  • Oral chemotherapy
  • BronchialThermoplasty
  • Day Care Procedures Covered
  • Bronchial Thermoplasty

Arogya Sanjeevani Policy (Cons)

  • No Suicide Cover
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Arogya Sanjeevani Policy (Other Benefits)

  • Intra Vitreal Injections
  • Road Ambulance Cover
  • Plastic Surgery
  • AYUSH treatment Cover
  • Cumulative Bonus

Arogya Sanjeevani Policy (Eligibility Criteria)

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

Specialized Health Plans

Critical Illness Plan

Tata AIG Wellsurance Executive Policy

A unique policy that goes beyond health insurance by providing wellness programs. Provides services like consultation, discounts and newsletters on wellness.

Unique Benefits

  • Convalescence benefit
  • Critical illness benefit
  • Value added benefits

Top-up Policy

Tata AIG Medicare Plus

An indemnity plan for individuals and families without any sub-limits, comes with lifelong renewal and aggregate deductibles.

Unique Features

  • Global Coverage
  • Cumulative Bonus
  • Tax Benefit

Tata AIG Medicare Plus (Pros)

  • In-patient Treatment
  • Long Term Discount
  • Family Discount
  • Day Care Procedures
  • Lifelong Renewal

Tata AIG Medicare Plus (Cons)

  • No Gender Change
  • Any Existing Disability
  • Injuries Due to Breach of Law
  • Injuries/Death due to Aviation
  • No Suicide Cover

Tata AIG Medicare Plus (Other Benefits)

  • Consumables Benefit
  • In-patient Dental Treatment
  • Ambulance Cover
  • AYUSH Benefit
  • Domiciliary Treatment

Tata AIG Medicare Plus (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 3 L - 1 Cr
  • Waiting Period - 30 Days

Critical Illness Policy

Tata AIG Critical Illness Policy

TATA AIG Critical Illness Policy is designed to offer coverage against a wide gamut of illnesses and medical emergencies.

Unique Benefits

  • Second opinion Benefit
  • Tax benefits
  • Option to add beneficiaries

Group Health Policy

Tata AIG Corporate Health Insurance

Tata AIG Corporate Health Insurance offers coverage to employees and offers coverage for hospitalization, disability, and deaths resulting from accidents.

Unique Benefits

  • 24*7 worldwide coverage
  • Daily Cash Benefits
  • SI based on Salary or Category

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

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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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