Compare Future Generali vs Godigit Health Insurance Plans
| Future Generali | Godigit | |
|---|---|---|
| Claims Settlement Ratio ** | 94.55% | 60 |
| Number of Lives Covered * | 1,16,17,000 | -- |
| Network Hospitals | 9,900 + | 6,400 + |
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|---|---|---|---|
| Health Total | Arogya Sanjeevani | Digit Health Care Plus | Digit Health Plus |
| In-patient Treatment | |||
| Covered up to Sum Insured | Covered up to Sum Insured | Maxima Restore Super: All Illness Hospitalization Early Cover: All Illness Hospitalization Super Care: All Illness Hospitalization |
Covered |
| Room Rent | |||
| NIL cap on room rent across all plans | Up to 2% of the sum insured subject to maximum of Rs.5,000 per day. | Maxima Restore Super: No room rent restriction Early Cover: No room rent restriction Super Care: No room rent restriction |
Covered(shared or private room subject to a Limit Per Day as opted by You and mentioned in Your Policy ) |
| ICU Charges | |||
| Covered | Up to 5% of the sum insured subject to maximum of Rs.10,000 per day. | Covered | Covered |
| Pre-hospitalization | |||
| 60 days before the date of admission to the hospital | 30 days before the date of admission to the hospital | Maxima Restore Super: 30 days Early Cover: 30 days Super Care: 30 days |
Covered |
| Post-hospitalization | |||
| 90 days after discharge from the hospital | 60 days after discharge from the hospital | Maxima Restore Super: 60 days Early Cover: 60 days Super Care: 60 days |
Covered |
| Day Care Procedures | |||
| Covered | Covered | Maxima Restore Super: Covered Early Cover: Covered Super Care: Covered |
Covered |
| Domiciliary Treatment | |||
| Covered up to 10% sum insured | Not Covered | Maxima Restore Super: Not Covered Early Cover: Not Covered Super Care: Not Covered |
Covered |
| Emergency Ambulance | |||
Vital: Network Hospital - Rs.1,500 per hospitalisation Non-network Hospital: Covered up to Rs.1,500 per hospitalisation Superior: Network Hospital - Actuals Non-network Hospital: Covered up to Rs.2,000 per hospitalisation Premier: Network Hospital - Actuals Non-network Hospital: Covered up to Rs.5,000 per hospitalisation |
maximum of Rs.2,000 per hospitalization | Maxima Restore Super: 1% upto Rs.5,000 Early Cover: 1% upto Rs.5,000 Super Care: 1% upto Rs.5,000 |
Covered |
| Dental Treatment | |||
Vital : Not Covered Superior: In case of dental consultations and diagnostics, our liability will be restricted to 70% of admissible bills Premier: In case of dental consultations and diagnostics, our liability will be restricted to 70% of admissible bills |
Dental treatment, necessitated due to disease or injury | Maxima Restore Super: Covered Early Cover: Covered Super Care: Covered |
Covered |
| Bariatric Surgery | |||
| Not Covered | Not Covered | Maxima Restore Super: Covered Early Cover: Covered Super Care: Covered |
Covered |
| Ayush Benefit | |||
| Covered | Covered | Maxima Restore Super: Not Covered Early Cover: Not Covered Super Care: Not Covered |
Covered |
| Maternity Benefits | |||
Vital (3 to 10 Lakhs): Normal delivery - 15,000 to 25,000 Caesarian - 25,000 to 45,000 Superior (15 to 25 Lakhs): Normal delivery - 30,000 to 40,000 Caesarian - 50,000 to 60,000 Premier (50 Lakhs to 1 Crore): Normal delivery - 50,000 Caesarian - 1,00,000 (waiting period : 2 years) |
Not Covered | Maxima Restore Super: Not Covered Early Cover: Not Covered Super Care: Not Covered |
Covered (if opted by You.) |
| New Born baby cover | |||
Vital: Not Covered Superior: Covered Premier: Covered |
Not Covered | Maxima Restore Super: Not Covered Early Cover: Not Covered Super Care: Not Covered |
Covered (if opted by You.) |
| Organ Donor Expenses | |||
| Covered | Not Covered | Maxima Restore Super: Covered Early Cover: Not Covered Super Care: Not Covered |
Organ transplantation charges, including donor’s pre and post hospitalization expenses are covered and the limit is 5% of the amount claimed. |
| Vaccination (In case of post bite treatment) | |||
| Not Covered | Not Covered | Maxima Restore Super: Not Covered Early Cover: Not Covered Super Care: Not Covered |
Covered (if opted by You.) |
| Health Check-up | |||
| Not Available | Not Available | Maxima Restore Super: Covered Early Cover: Covered Super Care: Covered |
Covered |
| Hospital daily allowance | |||
| Not Covered | Not Covered | Maxima Restore Super: Covered Early Cover: Covered Super Care: Covered |
Covered |
| Co-pay | |||
60 to 64 years: 20% Co-pay 65 to 69 years: 25% Co-pay 70 to 74 years: 30% Co-pay 75 and above years: 40% Co-pay |
5% co-pay on all claims | Maxima Restore Super: No Age based Co-Payment Early Cover: No Age based Co-Payment Super Care: No Age based Co-Payment |
Covered |
| Pre-existing diseases coverage | |||
| Pre-existing diseases covered after 2 years of continuous coverage | Pre-existing diseases covered after 4 years of continuous coverage | Maxima Restore Super: 2 year waiting period for PED Early Cover: 2 year waiting period for PED Super Care: 3 year waiting period for PED & 2 year for Specific illness |
Pre-existing Disease as defined in this policy shall not be covered until the number of months of continuous coverage as opted by you and mentioned in policy schedule |
| Restore Benefit | |||
| 100% of base sum insured for all types of illnesses | Not Covered | Maxima Restore Super: Not Covered Early Cover: Not Covered Super Care: Not Covered |
NIL restoration benefit |
| General waiting period | |||
| 30 days | 30 days | Maxima Restore Super: 30 days Early Cover: 30 days Super Care: 30 days |
30 days |
| Renewal Benefit / Cumulative Bonus | |||
| 50% for every claims free year to a maximum of 100% | 5% on base sum insured for every claim free year and up to 50% | Maxima Restore Super: 10% each claim free year (max 50%) Early Cover: 10% each claim free year (max 50%) Super Care: 10% each claim free year (max 50%) |
You would be eligible for Cumulative Bonus at the time of renewal as mentioned in Your Policy Schedule |
| Emergency Air Ambulance | |||
| Not Covered | Not Covered | Maxima Restore Super: Not Covered Early Cover: Not Covered Super Care: Not Covered |
Air ambulance cover is provided in case of life threatening medical conditions requiring immediate transportation to the proximate hospital. |
| Available sum insured options | |||
Vital: 3 to 10 Lakhs Superior : 15 to 20 Lakhs Premier : 50 to 1 Crore |
1 to 5 Lakhs | Maxima Restore Super: Rs.3 to 25 Lakhs Early Cover: Rs.3 to 25 Lakhs Super Care: Rs.3 to 25 Lakhs |
Starting from Rs. 2 Lakh |
| Policy can be purchased for | |||
| 1/2/3 years | 1 year | Maxima Restore Super: 1/2/3 years Early Cover: 1/2/3 years Super Care: 1/2/3 years |
1/2/3 years |
| Eligibility criteria | |||
| 1 day to lifelong,dependent children (Unmarried and up to the age of 25 years) | Adults from 18 to 65 years (dependents 91 days to 25 years).If the child above 18 years of age is financially independent, he or she shall be ineligible for coverage in the subsequent renewals | Adults from 18 to 80 years (dependent children will be covered till the age of 25 years) |
Between the age group of 1 year and 60 years |
| Renewability | |||
| Renewal for whole life | Renewal for whole life | Renewal for whole life | Renewal for whole life |
| Daily Cash for Accompanying an Insured Child | |||
| Covered up to Rs.500 per day to maximum of 30 days | Not Covered | Maxima Restore Super: Not Covered Early Cover: Not Covered Super Care: Not Covered |
Covered |
| Claims loading | |||
| No Loading | No Loading | No Loading | No Loading |
| Portablity (At the time of renewal) |
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| Yes | Yes | Yes | Yes |
| Tax Benefits Limit | |||
| Income tax benefit under section 80D | Income tax benefit under section 80D | Income tax benefit under section 80D | Income tax benefit under section 80D |
