SBI General vs Future Generali Health Insurance

Compare SBI General vs Future Generali 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
SBI General Future Generali
Claims Settlement Ratio ** 62.73% 94.79%
Number of Lives Covered * 27,48,000 48,38,000
Network Hospitals 6,000 + 5,400 +
  • * As per IRDAI report for 2018-19
  • ** As per NL25 data published on the Insurance Company website
SBI General SBI General SBI General SBI General Future generali Future generali
Retail Health Arogya Premier Arogya Plus Arogya Sanjeevani Health Total Arogya Sanjeevani
In-patient Treatment
Covered Covered Covered Covered Covered up to Sum Insured Covered up to Sum Insured
Room Rent
1% of sum insured per day Covered Covered Up to 2% of the sum insured subject to maximum of Rs.5,000 per day NIL cap on room rent across all plans Up to 2% of the sum insured subject to maximum of Rs.5,000 per day
ICU Charges
2% of sum insured per day Covered 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
Up to 30 days Up to 60 days Up to 60 days 30 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
Up to 60 days Up to 90 days Up to 90 days 60 days after discharge from the hospital 90 days after discharge from the hospital 60 days after discharge from the hospital
Day Care Procedures
142 day care expenses covered 142 day care expenses covered 142 day care expenses covered All the day care treatments Covered Covered
Domiciliary Treatment
20% of the sum insured maximum up to Rs.20,000 Insurer will cover reasonable and customary charges towards domiciliary hospitalisation Insurer will cover reasonable and customary charges towards domiciliary hospitalisation Not Covered Covered up to 10% sum insured Not Covered
Emergency Ambulance
1% of sum insured per policy period up to a maximum of Rs.1,500 Actual Actual ambulance expenses or Rs.1,500 Subject to a maximum of Rs.2,000 per hospitalisation
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
Dental Treatment
Covered Covered Covered Dental treatment necessitated due to disease or injury
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
Bariatric Surgery
Not Covered Not Covered Not Covered Not Covered Not Covered Not Covered
Ayush Benefit
Ayurvedic medicine: Covered up to maximum 15% of sum insured per policy period up to a maximum of Rs.20,000
Homeopathic and Unani system of medicine: Covered up to maximum 10% of sum insured per policy period up to a maximum of Rs.15,000
Covered Covered Covered Covered Covered
Maternity Benefits
Not Covered Reasonable and customary charges towards maternity expenses during hospitalisation are covered after first 9months from the date of inception of first policy Covered but only under OPD section and up to OPD Limit specified in policy schedule Not Covered
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
New Born baby cover
Not Covered Not Covered Not Covered Not Covered
Vital: Not Covered
Superior: Covered
Premier: Covered
Not Covered
Vaccination of the new born baby
Not Covered Not Covered Not Covered Not Covered
Vital: Not Covered
Superior: maximum Rs.3,500
Premier: maximum Rs.5,000
Not Covered
Daily Cash for Accompanying an Insured Child
Rs.500 for each completed day of hospitalisation of a child below 10 years of age, subject to maximum of 30 days during the policy period Not Covered Not Covered Not Covered Covered up to Rs.500 per day to maximum of 30 days Not Covered
Organ Donor Expenses
Covered Covered Not Covered Not Covered Covered Not Covered
Vaccination (In case of post bite treatment)
Not Covered Not Covered Not Covered Not Covered Not Covered Not Covered
Health Check-up
1% of sum insured up to a maximum of Rs.2,500 for every 4 claims free year Rs.5,000 for every 4 claims free year Not Covered Not Covered Not Available Not Available
Hospital daily allowance
Not Covered Not Covered Not Covered Not Covered Not Covered Not Covered
Co-pay
No co-pay for treatment in Network / 10% in Non Network Hospitals No co-pay for all treatment No co-pay for all treatment 5% Co pay applicable on all claims
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
Pre-existing diseases coverage
Covered after 4 years of continuous coverage Covered after a waiting period of 4 years Covered after a waiting period of 4 years Covered after a waiting period of 4 years Pre-existing diseases covered after 2 years of continuous coverage Pre-existing diseases covered after 4 years of continuous coverage
Restore Benefit
Not Covered Covered up to 100% of base sum insured Covered up to 100% of base sum insured Not Covered 100% of base sum insured for all types of illnesses Not Covered
General waiting period
30 days 30 days 30 days 30 days 30 days 30 days
Renewal Benefit / Cumulative Bonus
5% every year, maximum up to 25% of sum insured 10% every year, maximum up to 50% of sum insured Not Covered 5% every year, maximum up to 25% of sum insured 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%
Emergency Air Ambulance
Not Covered Up to Rs.100,000 Not Covered Not Covered Not Covered Not Covered
Available sum insured options
Rs.50,000 to 5 Lakhs Rs.10 to 30 Lakhs Rs.1 to 3 Lakhs Rs.1 to 5 Lakhs
Vital: Rs.3 to 10 Lakhs
Superior: Rs.15 to 20 Lakhs
Premier: Rs.50 to 1 Crore
Rs.1 to 5 Lakhs
Policy can be purchased for
1/2/3 years 1/2/3 years 1/2/3 years 1 year 1/2/3 years 1 year
Eligibility criteria
Adults from 18 to 115 years (dependents 91 days to 17 years) Adults from 18 to 115 years (dependents 91 days to 17 years) Adults from 18 to 75 years (dependents 91 days to 17 years) Adults from 18 to 65 years (dependents 91 days to 17 years) 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
Renewability
Renewal for whole life Renewal for whole life Renewal for whole life Renewal for whole life Renewal for whole life Renewal for whole life
Claims loading
No Loading Loading Loading No Loading No Loading No Loading
Portablity(At the time of renewal)
Yes 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 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 07/08/2022