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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 scope of coverage and helps policyholders manage their everyday lifestyle efficiently. FG Health Absolute not only covers hospitalization expenses but also includes benefits like annual health check-ups, mental health consultations, guidance towards a healthier lifestyle, and wellness rewards.
With embedded health and wellness features like fitness tracking, teleconsultations, and discounts on health and fitness brands, the plan offers a complete solution for individuals seeking to develop a healthy mind and body for themselves and their loved ones. There are three variants under Future Generali Health Absolute:
By investing in the FG Health Absolute plan, individuals can cover up to 15 family members, providing them with holistic health and wellness coverage. This health insurance plan is a complete package for those seeking comprehensive coverage that not only protects during adversity but also rewards and tracks health and wellness, helping prevent ailments and sickness.
| PLAN DETAILS |
Future Generali Health Absolute Plan |
Icici Lombard Golden Shield Plan |
| Product Type | Individual and Family Health Insurance | Senior Citizen Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Covered | Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
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) |
Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
10000 | 10600 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
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) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Covered | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Covered | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Covered | Not Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Covered | Covered |
| Plan Entry Age | 18 years - No Limit | Min- 56 years, Max- No Limit |
| Plan Premium Entry Age and S/A | 7,200 | 16,612 |
| Plan Waiting Period | 30 Days* | 30 Days |
| Plan Coverage | Hospitalization expenses, pre post expenses, daycare treatments, organ donor cover, maternity and newborn cover, home healthcare | Hospitalization expenses, pre post expenses, daycare treatments, domiciliary treatment, AYUSH treatment, ambulance and air ambulance |
| Plan Sample Premium | 7,200 | 16,612 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1,2,3 Years | 1/2/3 Years |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Covered | Covered |
| Ayush Treatment | Covered | Covered |
| Modern Treatment | Covered | Covered |
| E Consultation | Covered | Covered |
| Air Ambulance | Not Covered | Covered |
| Global Coverage | Covered | Not Covered |
| Claim Ratio | 95.5 | 97.16 |
| Solvency Ratio | 1.96 | 2.69 |
|
Future Generali Health Insurance ICICI Lombard Health Insurance Review |
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