United India vs Future Generali

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Overview

United India Insurance Company Limited is one of India's oldest government-owned insurers, established in 1938. It offers a range of health insurance plans covering basic to advanced medical needs, along with specialized options for critical illness, maternity, and senior citizens. In addition to health insurance, the company provides motor, personal accident, and home insurance products. With decades of experience and a wide product portfolio, it is a stable and practical choice for those comparing insurers based on coverage options and long-term reliability.
COMPANY DETAILS Edit

United India

Edit

Future Generali

Number of health insurance plans
Sum insured

Sum Insured

Up to 95 Lakh

Sum Insured

Up to 6 Cr
Claim ratio

Claim Ratio

91.10%

Claim Ratio

95.5%
Network hospitals

Network Hospital

14000+

Network Hospital

10000+
Solvency Ratio

Solvency Ratio

-0.65

Solvency Ratio

1.96
Pan India Presence

Pan India Presence

1537

Pan India Presence

150
Claim Form

Claim Form

Available

Claim Form

Available
Annual premium (company level)

Annual premium (company level)

7,519.28 Crore

Annual premium (company level)

1,858.63 Crore
Years in operation

Years in operation

1938

Years in operation

2006
24×7 claim support

24×7 claim support

Yes

24×7 claim support

Yes
IRDAI registration number

IRDAI registration number

545

IRDAI registration number

132
Claims settled within 3 months

Claims settled within 3 months

96

Claims settled within 3 months

90.93
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United India Health Insurance

United India Health Insurance

Future Generali Health Insurance Plans

Future Generali Health Insurance Plans

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United India Health Insurance

Individual and Family Health Insurance

A cost-effective insurance option is the United India Insurance Family Medicare Policy. Anyone between 18 and 65 can get this insurance for themselves...

Unique Features

  • High SI
  • Optional Covers
  • ICU Cover

United India Family Medicare (Pros)

United India Family Medicare
  • In-patient hospitalization
  • Day-care treatments
  • Pre & post-hospitalization
  • AYUSH treatment

United India Family Medicare (Cons)

United India Family Medicare
  • Vaccination unavailable
  • OPD cover
  • Domiciliary hospitalization
  • Global coverage

United India Family Medicare (Other Benefits)

United India Family Medicare
  • Organ donor
  • Maternity & newborn baby cover
  • Daily hospital cash
  • Sum Insured restoration

United India Family Medicare (Eligibility Criteria)

United India Family Medicare
  • Entry age: Min. 18 yrs/ Max. 65 yrs
  • SI: 3 to 25 Lakhs
  • Initial waiting period: 30 Days
  • Policy term: 1 year

Future Generali Health Insurance

Individual and Family Health Insurance

Future Generali Health Total is a holistic, comprehensive health insurance plan that offers a multitude of features like cover for up to 15 family mem...

Unique Features

  • SI Up to 1 Crore
  • Family Discounts
  • Avail Wellness Benefits

Future Generali Health Total Plan (Pros)

Future Generali Health Total Plan
  • Daily hospital cash
  • maternity cover
  • newborn baby care
  • modern treatment cover
  • global coverage.

Future Generali Health Total Plan (Cons)

Future Generali Health Total Plan
  • OPD charges
  • second medical opinion
  • IVF treatment
  • air ambulance cover
  • compassionate travel.

Future Generali Health Total Plan (Other Benefits)

Future Generali Health Total Plan
  • Organ donor cover
  • family floater benefits
  • e-consultations
  • daycare procedures cover.

Future Generali Health Total Plan (Eligibility Criteria)

Future Generali Health Total Plan
  • Minimum age: 1 day
  • Maximum age: No limit.

Individual and Family Health Insurance

Future Generali Health Absolute is a comprehensive health insurance plan with 3 plan variants and a wide range of sum insured. The plan offers a wide ...

Unique Features

  • Up to 1 Cr SI
  • 3 Plan Variants
  • 10% Family Discount

Future Generali Health Absolute Plan (Pros)

Future Generali Health Absolute Plan
  • OPD charges
  • AYUSH cover
  • Maternity cover
  • Newborn baby care
  • modern treatment cover

Future Generali Health Absolute Plan (Cons)

Future Generali Health Absolute Plan
  • Domiciliary benefit
  • Second medical opinion
  • Air ambulance
  • Compassionate travel
  • Daily hospital cash

Future Generali Health Absolute Plan (Other Benefits)

Future Generali Health Absolute Plan
  • Pre & post-hospitalization
  • Organ donor cover
  • ICU charges
  • Cataract treatment cover

Future Generali Health Absolute Plan (Eligibility Criteria)

Future Generali Health Absolute Plan
  • 18 years - No Limit

Women Health Insurance

Don't be just another number: Embrace the power of Health PowHER! Health PowHER is more than just an ordinary health insurance plan. It is specially c...

Unique Features

  • Infertility treatment cover
  • Voluntary sterilization benefits
  • Puberty & menopause disorders

Future Generali Health PowHer (Pros)

Future Generali Health PowHer
  • Wellness benefits
  • Critical illness cover
  • Women-related cancer cover
  • Temporary domestic help
  • Infertility expenses

Future Generali Health PowHer (Cons)

Future Generali Health PowHer
  • Change of gender treatments
  • Hazardous or adventure sports
  • Non-medical expenses
  • Breach of law

Future Generali Health PowHer (Other Benefits)

Future Generali Health PowHer
  • Voluntary copay cover
  • Stem cell storage
  • Sum insured restoration
  • Miscarriage or medical termination

Future Generali Health PowHer (Eligibility Criteria)

Future Generali Health PowHer
  • Entry Age: 1 Day
  • Max Entry Age: 65 Years
  • Sum Insured: 5 L - 1 Crore
  • Waiting Period: 30 Days

Individual and Family Health Insurance

The Future Generali D.I.Y. Health Plan lets you build your own health insurance by choosing the coverage and add-ons you actually need. Instead of a f...

Unique Features

  • Freedom to choose benefits
  • Multiple add-on cover options
  • Gender reassignment surgery

Future Generali D.I.Y. Health Insurance (Pros)

Future Generali D.I.Y. Health Insurance
  • Room rent
  • ICU charges
  • pre and post-hospitalization

Future Generali D.I.Y. Health Insurance (Cons)

Future Generali D.I.Y. Health Insurance
  • Investigation and evaluation
  • rest cure and rehabilitation
  • and respite care
  • obesity and weight control management
  • sterility and infertility treatments

Future Generali D.I.Y. Health Insurance (Other Benefits)

Future Generali D.I.Y. Health Insurance
  • Domiciliary hospitalization
  • daycare treatment
  • OPD charges
  • cataract

Future Generali D.I.Y. Health Insurance (Eligibility Criteria)

Future Generali D.I.Y. Health Insurance
  • Min entry age: 17 years
  • Max entry age: 70 years
  • Initial Waiting Period: 30 days
  • Sum Insured: Up to 15 Lakh

Individual and Family Health Insurance

There should be no boundaries when it comes to your health! Future Generali Health Elite plan offers premium healthcare benefits globally that come wi...

Unique Features

  • Holistic wellness cover
  • Maternity benefits
  • Global medical treatment

Future Generali Health Elite Plan (Pros)

Future Generali Health Elite Plan
  • Room rent covered
  • ICU charges
  • Pre and post hospitalisation
  • Domiciliary hospitalisation
  • Daycare treatment

Future Generali Health Elite Plan (Cons)

Future Generali Health Elite Plan
  • Congenital diseases
  • Change of gender treatment
  • Sterility and infertility treatment

Future Generali Health Elite Plan (Other Benefits)

Future Generali Health Elite Plan
  • Cataract covered
  • No claim bonus
  • Automatic restoration
  • Organ donor covered

Future Generali Health Elite Plan (Eligibility Criteria)

Future Generali Health Elite Plan
  • Minimum entry age: 18 years
  • Maximum entry age: 65 years
  • Initial waiting period: 30 days
  • Sum insured: Up to 6 Cr

Top Up and Super Top Up

Get more coverage on your insurance and enjoy enhanced protection with a top-up today! The Future Generali Advantage top-up health insurance policy co...

Unique Features

  • Mental illness coverage
  • Nursing expenses cover
  • Affordable premiums

Future Generali Advantage Top-up Plan (Pros)

Future Generali Advantage Top-up Plan
  • Room rent
  • ICU charges
  • Pre and post hospitalization
  • Daycare treatment

Future Generali Advantage Top-up Plan (Cons)

Future Generali Advantage Top-up Plan
  • Domiciliary hospitalization
  • OPD charges
  • Automatic restoration

Future Generali Advantage Top-up Plan (Other Benefits)

Future Generali Advantage Top-up Plan
  • Organ donor
  • AYUSH treatment
  • Ambulance coverage

Future Generali Advantage Top-up Plan (Eligibility Criteria)

Future Generali Advantage Top-up Plan
  • Minimum entry age: 18 Years
  • Maximum entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 1 Cr

Individual and Family Health Insurance

The Future Health Suraksha Plan is a health insurance policy designed to cover hospitalization and treatment costs, helping to protect your savings. I...

Unique Features

  • Free health check-ups
  • Compassionate travel
  • No pre-policy upto 50 years

Future Generali Health Suraksha Plan (Pros)

Future Generali Health Suraksha Plan
  • ICU charges
  • Pre-hospitalisation
  • Post-hospitalisation
  • Daycare treatment

Future Generali Health Suraksha Plan (Cons)

Future Generali Health Suraksha Plan
  • Domiciliary hospitalisation
  • OPD charges
  • Maternity cover
  • Newborn baby cover

Future Generali Health Suraksha Plan (Other Benefits)

Future Generali Health Suraksha Plan
  • Cataract
  • No claim bonus
  • Automatic restoration
  • Organ donor

Future Generali Health Suraksha Plan (Eligibility Criteria)

Future Generali Health Suraksha Plan
  • Min entry age: 18 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 10 L

Senior Citizen Health Insurance

Future Generali Varishta Bima policy is a specially designed health insurance plan for senior citizens that protects them from financial loss and ensu...

Unique Features

  • Annual health check-up
  • In-patient treatment expenses
  • Multiple discount options

Future Generali Varishta Bima Policy (Pros)

Future Generali Varishta Bima Policy
  • Room Rent
  • Pre-hospitalization
  • Post-hospitalization
  • Daycare Treatment

Future Generali Varishta Bima Policy (Cons)

Future Generali Varishta Bima Policy
  • ICU Charges
  • Domiciliary Hospitalization
  • OPD Charges
  • Organ Donor Expenses

Future Generali Varishta Bima Policy (Other Benefits)

Future Generali Varishta Bima Policy
  • AYUSH Treatment Covered
  • Modern Treatment
  • Health Check-up
  • Co-payment

Future Generali Varishta Bima Policy (Eligibility Criteria)

Future Generali Varishta Bima Policy
  • Min Entry Age: 65 years
  • Max Entry Age: No Limit
  • Initial Waiting Period: 30 days
  • Sum Insured: Up to 10 Lakhs

Critical Illness Health Insurance

The Future Generali Criticare Plan is a health insurance plan that gives you a fixed lump sum amount if you are diagnosed with a serious illness like ...

Unique Features

  • Critical illness cover
  • exhaustive cover benefits
  • lump sum payout options.

Future Generali Criticare Plan (Pros)

Future Generali Criticare Plan
  • Covers cancer
  • kidney and liver failure
  • primary pulmonary arterial hypertension.

Future Generali Criticare Plan (Cons)

Future Generali Criticare Plan
  • Any pre-existing diseases (PEDs) or related medical conditions
  • unnecessary or non-prescribed medical treatment
  • maternity complications and external or internal congenital illnesses
  • infertility and sterility treatment expenses.

Future Generali Criticare Plan (Other Benefits)

Future Generali Criticare Plan
  • Multiple sclerosis
  • major organ transplant
  • open chest CABG.

Future Generali Criticare Plan (Eligibility Criteria)

Future Generali Criticare Plan
  • Entry Age: Child: 6-25 years
  • Adult: 18-65 years; Initial waiting period: 90 days; Policy term: 1/2/3 years.

Individual and Family Health Insurance

Future Generali Super Saver Plan is a one-of-a-kind health insurance plan with two plan variants that offer an 80% premium discount. If policyholders ...

Unique Features

  • 80% premium discount
  • Family coverage
  • Maternity coverage

Future Generali Super Saver Plan (Pros)

Future Generali Super Saver Plan
  • Modern treatment cover
  • Maternity covered
  • Domiciliary treatment cover

Future Generali Super Saver Plan (Cons)

Future Generali Super Saver Plan
  • Vaccination unavailable
  • Automatic restoration
  • Daily hospital cash
  • Health check-up unavailable

Future Generali Super Saver Plan (Other Benefits)

Future Generali Super Saver Plan
  • Pre & post-hospitalization
  • Daycare procedures
  • Cataract cover
  • ICU charges covered

Future Generali Super Saver Plan (Eligibility Criteria)

Future Generali Super Saver Plan
  • 18 to 70 years
Raj Kumar

Reviewed By: Raj Kumar

With over 12 years of rich experience in the BFSI domain, with a specialisation in Life and Health Insurance, I have played a pivotal role in simplifying the insurance-buying process and delivering unparalleled service.