Future Generali Health Insurance vs Care (Religare) Health Insurance
A health crisis can affect your emotional and financial well-being. In such times, a positive attitude and a health insurance plan can do wonders. With the backing of the right policy, you can meet the costs of quality health care. Here’s a look at some of the policies offered by Future Generali Health Insurance and Care Health Insurance – two leading health insurance providers, to help in your policy selection.
Future Generali Health Insurance vs Care Health Insurance – Overview
| Parameter | Future Generali Health Insurance | Care Health Insurance |
| Number of health insurance plans | 13 | 13 |
| E-services | Policy sale Policy renewal Claim settlement Branch locator Online consultation 24×7 customer help | Policy sale Policy renewal Claim settlement Branch locator Online consultation 24×7 customer help |
| Branches | 125+ | 146+ |
| Incurred claim ratio | 73% | 55% |
| Claim settlement ratio | 87.68% | 93% |
| Hospital network | 5,100+ | 7,800+ |
*Source: The 2018-19 Annual Report of the Insurance Regulatory and Development Authority of India (IRDAI).
Health Insurance Policies: Future Generali Health Insurance vs. Care Health Insurance
Future Generali has thirteen health insurance policies for individual, family and senior-citizen needs. They cover critical illnesses, accidents, vector-borne diseases and COVID-19, among other eventualities.
Care Health Insurance has thirteen health insurance policies covering individual, family, and senior-citizen needs. They provide coverage for critical illnesses, accidents, maternity needs, and COVID-19, among others.
This 3-plan comparison guide of Future Generali Health Insurance and Care Health Insurance helps you pick a plan offering you the best terms.
Arogya Sanjeevani Policy:
Future Generali’s Arogya Sanjeevani Policy offers:
- A sum insured (SI) amount up to Rs.5 lakhs
- Coverage for pre, post and in-patient hospitalization
- Inclusion of day care treatment and alternate (AYUSH) treatment
- 25% of SI for cataract treatment and 50% of SI for modern/ advanced treatment
- Emergency ambulance services (up to Rs.2,000 per hospitalization)
- Waiver of pre-policy medical test for individuals up to 55 years of age
- 50% reimbursement of pre-policy medical test charges
Care Health Insurance’s Arogya Sanjeevani Policy offers:
- A sum insured (SI) amount up to Rs.5 lakhs
- Coverage for pre, post and in-patient hospitalization
- Inclusion of alternate (AYUSH) treatment
- 25% of SI for cataract treatment costs and 50% of SI for modern/ advanced treatment charges
- Emergency ambulance services
- 5% cumulative bonus on a claim-free year
Senior Citizen Insurance Policy:
Future Generali’s Senior Citizen Insurance Policy (Future VarishtaBima) offers:
- Lifetime coverage for individuals aged 60 years and above
- A SI amount up to Rs.1 crore
- Coverage for pre, post and in-patient hospitalization
- Inclusion of day care treatments
- Imbursement of road ambulance charges
- 50% settlement of pre-policy medical test charges
- Family discount, long-term discounts and other discounts (subject to policy terms)
Care Health Insurance’s Senior Citizen Insurance Policy offers:
- Lifetime coverage for individuals aged 61 years and above
- Up to Rs.10 lakhs SI amount
- Coverage for pre, post and in-patient hospitalization and domiciliary hospitalization
- Inclusion of 541 day care treatments and alternate (AYUSH) treatment
- Imbursement for organ donor expenses, cataract treatment and 10+ modern treatments
- Waiver of pre-policy medical checkup
Critical Illness Insurance Policy:
Future Generali’s Critical Illness Insurance Policy offers:
- Coverage for 12 critical illnesses like cancer, kidney failure, stroke, etc.
- SI amount between Rs.1 lakh – Rs.50 lakhs
- Lump-sum payout of SI upon diagnosis of critical illness or necessity of any surgical procedure
- Waiver of pre-policy medical test up to the age of 45
- 50% reimbursement of pre-policy medical test charges for ages 46 and above
Care Health Insurance’s Critical Illness Insurance Policy offers:
- Coverage for 32 critical illnesses like cancer, liver disease, paralysis, etc.
- SI amount up to Rs.2 crore
- Coverage for pre, post and in-patient hospitalization, OPD expenses
- Full coverage for day care treatment and up to 25% coverage of SI for alternate treatment
- Chemotherapy and radiotherapy covers
- Dialysis cover
- Organ donor cover
- Road and air ambulance reimbursement
- Recovery counselling services
From the policies offered by Future Generali Health Insurance and Care Health Insurance, you can pick the one matching your needs best.
