Future Generali vs HDFC ERGO Health Insurance

Compare Future Generali vs HDFC ERGO Health Insurance Plans
Plan Type
Health
Coverage type
Coverage State
Coverage City
Coverage amount
Date of birth
  OR age    years
Policy duration
Gender
Start date
End date
* Name, Email Id & Mobile No. are required 
Future Generali HDFC ERGO
Claims Settlement Ratio ** 94.55% 85.97%
Number of Lives Covered * 1,16,17,000 96.05,000
Network Hospitals 9,900 + 10,000 +
  • * As per IRDAI report for 2018-19
  • ** As per NL25 data published on the Insurance Company website
Future generali Future generali Hdfc ergo Hdfc ergo Hdfc ergo
Health Total Arogya Sanjeevani Health Suraksha Health Suraksha Silver Arogya Sanjeevani
In-patient Treatment
Covered up to Sum Insured Covered up to Sum Insured Covered Covered 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. At actual Capping on room rent Up to 2% of the sum insured subject to maximum of Rs.5,000/day.
ICU Charges
Covered Up to 5% of the sum insured subject to maximum of Rs.10,000 per day. At actuals Covered Up to 5% of sum insured subject to maximum of Rs.10,000/day.
Pre-hospitalization
60 days before the date of admission to the hospital 30 days before the date of admission to the hospital 60 days before the date of admission to the hospital 60 days before the date of admission to the hospital 30 days before the date of admission to the hospital
Post-hospitalization
90 days after discharge from the hospital 60 days after discharge from the hospital 180 days after discharge from the hospital 180 days after discharge from the hospital 60 days after discharge from the hospital
Day Care Procedures
Covered Covered Covered Covered Covered
Domiciliary Treatment
Covered up to 10% sum insured Not Covered Covered 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
Silver Smart: Rs.2,000;
Gold Smart: Rs.3,500;
Platinum Smart: Sum insured 20 to 50 lakhs: Rs.3,500;
Sum insured 50 & 75 lakhs: Rs.15,000
Covered Maximum of Rs. 2,000/hospitalisation
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 Not Covered Not Covered Dental treatment, necessitated due to disease or injury
Bariatric Surgery
Not Covered Not Covered Not Covered Not Covered Not Covered
Ayush Benefit
Covered Covered Covered Covered
Expenses incurred for inpatient care treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy.
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 Covered
(Waiting period: 3 years)
Not Covered Not Covered
New Born baby cover
Vital: Not Covered
Superior: Covered
Premier: Covered
Not Covered Up to parent care sum insured(Optional) Not Covered Not Covered
Organ Donor Expenses
Covered Not Covered Covered Covered Not Covered
Vaccination (In case of post bite treatment)
Not Covered Not Covered Not Covered Not Covered Not Covered
Health Check-up
Not Available Not Available Covered
1% of sum insured after every 4 consecutive and continuous claim free years with us (Subject to a maximum up to Rs.5,000)
Not Covered
Hospital daily allowance
Not Covered Not Covered Covered up to sum insured Covered up to sum insured Not 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
Silver Smart: No co-pay for all treatment, Optional Co pay available between 10%/20%;
Gold Smart: No co-pay for all treatment, Optional Co pay available between 15%/25%;
Platinum Smart: No co-pay for all treatment, Optional Co pay available between 15%/25%
NIL / co-pay applicable up to 20% for treatment in higher class cities 5% co-pay on all claims
Pre-existing diseases coverage
Pre-existing diseases covered after 2 years of continuous coverage Pre-existing diseases covered after 4 years of continuous coverage Pre-existing diseases covered after 3 years of continuous coverage Pre-existing diseases covered after 4 years of continuous coverage Pre-existing diseases covered after 4 years of continuous coverage
Restore Benefit
100% of base sum insured for all types of illnesses Not Covered Sum Insured Rebound up to 100% of sum insured per year Not Covered Not Covered
General waiting period
30 days 30 days 30 days 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%
Silver Smart & Gold Smart: 10% on base sum insured for every claim free year and up to 100%;
Platinum Smart: 25% on base sum insured for every claim free year and up to 200%.
5% on base sum insured for every claim free year and up to 50% 5% on base sum insured for every claim free year and up to 50%
Emergency Air Ambulance
Not Covered Not Covered
Silver Smart: Not Covered;
Gold Smart: Up to 2 lakhs;
Platinum Smart: Up to 5 lakhs.
Not Covered Not Covered
Available sum insured options
Vital: 3 to 10 Lakhs
Superior : 15 to 20 Lakhs
Premier : 50 to 1 Crore
1 to 5 Lakhs
Silver Smart: Rs.3 to 5 Lakhs
Gold Smart: Rs.7.5 to 15 Lakhs
Platinum Smart: Rs.20 to 75 Lakhs
Rs.3 to 50 Lakhs Rs.1 to 5 Lakhs
Policy can be purchased for
1/2/3 years 1 year 1/2/3 Years 1/2/3 Years 1 Year
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 Years to lifetime entry (dependents 91 days to 25 years) Adults from 18 Years to lifetime entry (dependents 91 days to 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
Renewability
Renewal for whole life 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 Covered up to sum insured Covered up to sum insured Not Covered
Claims loading
No Loading No Loading Loading Loading No Loading
Portablity
(At the time of renewal)
Yes 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 Income tax benefit under section 80D
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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2025