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Future Generali Criticare Plan
262
VS
Star Rural Micro Health
When it comes to life-threatening conditions, your family is not alone!
What does that mean?
According to a report of Elets BFSI, the major reason for untimely deaths in India is going to increase from around 27% to 29% by 2050. But that doesn't mean cancer is the only critical illness that causes severity and affects an individual's life. There are various other critical illnesses which are at par and even increasing rapidly. Reasons include the change in economy, stagnant and unconscious choices like food habits, sleep patterns, work pressure, lifestyle modifications, pollution, and so on.
Over 60% of deaths in India are due to critical illness and still, we don't have a stable cash flow to get treated for the same, in addition to which inflation is breaking our spines. But, is there a solution?
Of course! A health insurance policy that covers all or major kinds of critical illnesses is just like a blessing in disguise. Here we are talking about the Future Generali Criticare plan that offers you wide coverage for hospitalization expenses, diagnosis charges, loss of income cover and treatment against listed critical illnesses.
Rest about the eligibility, benefits, coverage specifications, exclusions, and more, read further on this page and make sure you buy your health coverage against critical illnesses before it's already late.
| PLAN DETAILS |
Future Generali Criticare Plan |
Star Rural Micro Health |
| Premium Including GST | ||
| 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 |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
- | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
- | Not Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
- | Not Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
- | Not Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
- | 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 |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
- | Not Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
- | Not Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
- | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
- | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
- | Not Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
- | Not Applicable |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
- | Applicable |
| Plan Entry Age | Min- 6 years, Max- 65 years | 12 Months to 65 years |
| Plan Premium Entry Age and S/A | 262 | 1735 |
| Plan Waiting Period | 90 | 30 |
| Plan Coverage | - | - |
| Plan Sample Premium | 262 | - |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1, 2, 3 Years | 1 Year |
| ICU Charges | - | Covered |
| Covid-19 Treatment | - | Covered |
| Cataract | - | Covered |
| Automatic Restoration | - | Not Covered |
| Ayush Treatment | - | Not Covered |
| Modern Treatment | - | Covered |
| E Consultation | - | Not Covered |
| Air Ambulance | - | Not Covered |
| Global Coverage | - | Not Covered |
| Claim Ratio | 95.5 | 99.06 |
| Solvency Ratio | 1.96 | 2.21 |
|
Star Health Insurance Plan Detailed Review |
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