Future Generali Health Total Plan
vs
Hdfc Ergo Optima Secure Global Plan
- 100+ top health insurance plans
- Premium starting @Rs. 19/day*
- No medical check-ups required
| PLAN DETAILS |
 Future Generali Health Total Plan |
756-1730276727.webp){kind=logo} Hdfc Ergo Optima Secure Global Plan |
| Premium Including GST | ||
| Product Type | Individual and Family 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 | Not 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) |
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) |
8430 | 12000 |
| 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) |
Covered | 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.) |
Not 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 | Not Covered |
| Plan Entry Age | Day 1 - No Limit | 18 - 65 Years |
| Plan Premium Entry Age and S/A | NA | N/A |
| Plan Waiting Period | 30 Days | 30 |
| Plan Coverage | Individual and Family floater | Individual/Family |
| Plan Sample Premium | - | N/A |
| 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 | Not Covered |
| Automatic Restoration | Covered | Covered |
| Ayush Treatment | Covered | Covered |
| Modern Treatment | Covered | Not Covered |
| E Consultation | Covered | Covered |
| Air Ambulance | Not Covered | Covered |
| Global Coverage | Covered | Covered |
| Claim Ratio | 94.98 | 98.59 |
| Solvency Ratio | 1.8 | 1.7 |
Future Generali Health Total is a holistic comprehensive health insurance plan that offers a multitude of features like cover for up to 15 family members, maternity cover, mental illness cover, organ donor cover, and a high sum insured for you and your family's health care needs. The plan has wide coverage under 3 different plan variants with different sum insured options, namely:
The plan is available on an individual and family floater basis with unique eligibility criteria covering individuals from 1 Day. There is no limit to the maximum entry age and dependent children are covered up to 25 years of age. With an impressive 94% CSR along with a promise of a 3-hour claim settlement future generali health total is a reliable health insurance plan. Customers can avail of the best medical care in 6300+ network hospitals of Future Generali. We have highlighted many such features and benefits of Future Generali Health Total in this article in order to help you make a financially smart decision when investing in health insurance.
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