Compare Future Generali vs Universal Sompo
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|---|---|---|---|
| Health Total
Vital
Superior
Premier
|
Arogya Sanjeevani
|
Complete Healthcare
Basic
Essential
Privilege
|
Arogya Sanjeevani
|
| In-patient Treatment | |||
| Covered up to Sum Insured | Covered up to Sum Insured | 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. | Covered | Up to 2% of the sum insured subject to maximum of Rs.5,000 per day |
| ICU Charges | |||
| Covered | Up to 5% of the sum insured subject to maximum of Rs.10,000 per day. | Covered | Up to 5% of the sum insured subject to maximum of Rs.10,000 per day |
| Pre-hospitalization | |||
| 60 days before the date of admission to the hospital | 30 days before the date of admission to the hospital | 30 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 | 60 days after discharge from the hospital | 60 days after discharge from the hospital |
| Day Care Procedures | |||
| Covered | Covered | 141 day care expenses covered | Covered |
| Domiciliary Treatment | |||
| Covered up to 10% sum insured | Not Covered | Covered | Not 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 | Basic: Up to 1% of sum insured or Rs.1,000 or actuals whichever is less Essential: Up to 1% of sum insured or Rs.2,000 or actuals whichever is less Privilege: Up to 1% of sum insured or Rs.3,000 or actuals whichever is less |
Subject to a maximum of Rs.2,000 per 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 | Up to 100% of In-patient treatment sum insured (In case of accident) |
Dental treatment necessitated due to disease or injury |
| Bariatric Surgery | |||
| Not Covered | Not Covered | Not Covered | Not Covered |
| Ayush Benefit | |||
| Covered | Covered | Covered up to sum insured | 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 | Basic: Not Covered Essential: Normal Delivery: Up to Rs.15,000 or actuals whichever is less Caesarean Delivery: Up to Rs 25,000 (including pre and post natal expenses up to Rs.2,000) or actuals whichever is less Privilege: Normal Delivery: Up to Rs.25,000 or actuals whichever is less Caesarean Delivery: Up to Rs.50,000 (including pre and post natal expenses up to Rs.2,000) or actuals whichever is less (waiting period: 3 years) |
Not Covered |
| New Born baby cover | |||
Vital: Not Covered Superior: Covered Premier: Covered |
Not Covered | Basic: Not Covered Essential & Privilege: Up to Basic sum insured from 1st Day till expiry of Policy or the child is 91 days old whichever is earlier |
Not Covered |
| Organ Donor Expenses | |||
| Covered | Not Covered | Covered | Not Covered |
| Vaccination (In case of post bite treatment) | |||
| Not Covered | Not Covered | Up to 100% of In-patient Treatment Sum Insured or actuals whichever is less | Not Covered |
| Health Check-up | |||
| Not Available | Not Available | Individual: 1 Coupon at the end of every claims two continuous claims free year Family Floater: 2 Coupon at the end of every claims two continuous claims free year |
Not Covered |
| Hospital daily allowance | |||
| Not Covered | Not Covered | Basic: Rs.200 per day Essential: Rs.500 per day Privilege: Rs.1,000 per day (Hospitalisation exceeds 3 days for a maximum number of 7 days) |
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 | 10% co-pay applicable for treatment in Non Network hospitals | 5% Co pay applicable 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 | Covered after 3 years of continuous coverage | Covered after a waiting period of 4 years |
| Restore Benefit | |||
| 100% of base sum insured for all types of illnesses | Not Covered | Up to 100% of Base Sum Insured per year | Not Covered |
| General waiting period | |||
| 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% | 10% every year, maximum up to 50% of sum insured | 5% for every claim free year up to 50% of sum insured |
| Emergency Air Ambulance | |||
| Not Covered | Not Covered | 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 | Basic: Rs.1 & 2 Lakhs Essential: Rs.3 to 5 Lakhs Privilege: Rs.6 to 10 Lakhs |
Rs.1 to 5 Lakhs |
| Policy can be purchased for | |||
| 1/2/3 years | 1 year | 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 to 70 years (dependents 91 days to 17 years) | Adults from 18 to 65 years (dependents 91 days to 17 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 | Basic: Not Covered Essential: Rs.300 per day subject to maximum of Rs.9,000 Privilege: Rs.500 per day subject to maximum of Rs.15,000 |
Not Covered |
| Claims loading | |||
| No Loading | No Loading | No Loading | No Loading |
| Portablity (At the time of renewal) |
|||
| 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 |
| Useful Links | |||
| Future Generali | Universal Sompo | |
|---|---|---|
| Claims Settlement Ratio ** | 94.55% | 95.31% |
| Number of Lives Covered * | 1,16,17,000 | 1,137,000 |
| Network Hospitals | 9,900 + | 4,000 + |
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