Future Generali vs Bharti AXA Health Insurance

Compare Future Generali vs Bharti AXA 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 Bharti AXA
Claims Settlement Ratio ** 94.55% 98.27%
Number of Lives Covered * 1,16,17,000
Network Hospitals 9,900 + 4,500 +
  • * As per IRDAI report for 2018-19
  • ** As per NL25 data published on the Insurance Company website
Future generali Future generali Bharti AXA Bharti AXA
Health Total Arogya Sanjeevani Smart Health Assure Smart Super Health
In-patient Treatment
Covered up to Sum Insured Covered up to Sum Insured Covered up to sum insured Covered up to sum insured
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 Covered
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 60 days(Covered up to sum insured) 60 days(Covered up to sum insured)
Post-hospitalization
90 days after discharge from the hospital 60 days after discharge from the hospital 90 days(Covered up to sum insured) 90 days(Covered up to sum insured)
Day Care Procedures
Covered Covered Up to sum insured as per list provided in policy document Up to sum insured as per list provided in policy document
Domiciliary Treatment
Covered up to 10% sum insured Not Covered Covered up to sum insured Covered up to sum insured
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 Rs.3,000 per event Rs.3,000 per event
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 As per specified limit and plan opted Not Covered
Bariatric Surgery
Not Covered Not Covered Not Covered Not Covered
Ayush Benefit
Covered Covered Covered up to sum insured Covered up to sum insured
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 Covered
New Born baby cover
Vital: Not Covered
Superior: Covered
Premier: Covered
Not Covered Covered Covered
Organ Donor Expenses
Covered Not Covered Covered up to sum insured Covered up to sum insured
Vaccination (In case of post bite treatment)
Not Covered Not Covered Not Covered As per specified limit and plan opted
Health Check-up
Not Available Not Available Annual health check-up available Annual health check-up available
Hospital daily allowance
Not Covered Not Covered As per specified limit and plan opted As per specified limit and plan opted
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 NIL co-pay NIL co-pay
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 4 years of continuous coverage Covered after 4 years of continuous coverage
Restore Benefit
100% of base sum insured for all types of illnesses Not Covered Up to 100% of Base Sum Insured Up to 100% of Base Sum Insured
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% Covered
For age below 45 years 50% of expiring policy sum insured not exceeding 100%
For age above 45 years 20% of expiring policy sum insured not exceeding 100%
Emergency Air Ambulance
Not Covered Not Covered Not Covered As per specified limit and plan opted
Available sum insured options
Vital: 3 to 10 Lakhs
Superior : 15 to 20 Lakhs
Premier : 50 to 1 Crore
1 to 5 Lakhs Rs.3 & 4 Lakhs
Value: Rs.5 & 7.5 Lakhs
Classic: Rs.10 to 20 Lakhs
Uber: Rs.30 & 50 Lakhs above
Policy can be purchased for
1/2/3 years 1 year 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 5 years onwards, Dependent children between 91 days to 5 years can be covered only if both parents are covered under the policy 5 years onwards, Dependent children between 91 days to 5 years can be covered only if both parents are covered under the policy
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 Not Covered 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
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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2025