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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 cancer, heart attack, or stroke. You get the full amount after diagnosis, no matter what your hospital bill is.
You can use this money for treatment, daily expenses, or loss of income during recovery. It is not a regular health plan, but works as extra financial support when things get serious.
This critical illness plan is useful if you want simple and direct protection against major illnesses, along with your basic health insurance.
Read about the eligibility, benefits, coverage specifications, exclusions, and more on this page. Ensure you buy your health coverage against critical illnesses before it's too late.
| PLAN DETAILS |
Future Generali Criticare Plan |
Star Assure Plan |
| Product Type | Critical Illness Health Insurance | Individual and Family Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not covered | Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Not covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Not covered | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Not covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Not covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Not covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
10000 | 14000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Not covered | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Not covered | Not Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Not covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not covered | Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not covered | Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Not covered | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not applicable | Applicable |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not applicable | Applicable |
| Plan Entry Age | Min- 6 years, Max- 65 years | Child: 16 Days - 17 Years, Adult: 18 - 75 Years |
| Plan Premium Entry Age and S/A | 262 | 9762 |
| Plan Waiting Period | 90 | 30 |
| Plan Coverage | Cancer and heart attack cover, kidney and liver failure cover, stroke and coma cover, organ transplant surgery cover. | - |
| Plan Sample Premium | 262 | - |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1, 2, 3 Years | 1/2/3 Years |
| ICU Charges | Not covered | Covered |
| Covid-19 Treatment | Not covered | Covered |
| Cataract | Not covered | Covered |
| Automatic Restoration | Not covered | Covered |
| Ayush Treatment | Not covered | Covered |
| Modern Treatment | Not covered | Covered |
| E Consultation | Not covered | Covered |
| Air Ambulance | Not covered | Covered |
| Global Coverage | Not covered | Not Covered |
| Claim Ratio | 95.5 | 99.06 |
| Solvency Ratio | 1.96 | 2.21 |
|
Star Health Insurance Plan Detailed Review |
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