Future Generali vs Cholamandalam Health Insurance

Compare Future Generali vs Cholamandalam 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
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Future Generali Cholamandalam
Claims Settlement Ratio ** 94.55% 73.87%
Number of Lives Covered * 1,16,17,000 27,48,000
Network Hospitals 9,900 + 6,000 +
  • * As per IRDAI report for 2018-19
  • ** As per NL25 data published on the Insurance Company website
Future generali Future generali Cholamandalam
Health Total Arogya Sanjeevani Healthline
In-patient Treatment
Covered up to Sum Insured Covered up to Sum Insured 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.
Single occupancy AC room is allowed for all Sum Insured except for Rs.1 Lakh / 2Lakhs. For Rs.1 Lakh / 2Lakhs Sum Insured the maximum room rent allowed is Rs.1,500 and Rs.3,000 per day respectively
ICU Charges
Covered Up to 5% of the sum insured subject to maximum of Rs.10,000 per day. Covered
Pre-hospitalization
60 days before the date of admission to the hospital 30 days before the date of admission to the hospital
Value Healthline: 30 days before the date of admission to the hospital
Freedom, Enrich, Privilage Healthline: 60 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
Value Healthline: 60 days before the date of admission to the hospital
Freedom, Enrich, Privilage Healthline: 90 days before the date of admission to the hospital
Day Care Procedures
Covered Covered Covered
Domiciliary Treatment
Covered up to 10% sum insured Not Covered Covered (Maximum 7 days)
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
Value Healthline: Rs.1,000 per hospitalisation
Freedom & Enrich Healthline: Rs.2,000 per hospitalisation
Privilage Healthline: Rs.5,000 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
Value,Freedom & Enrich Healthline: Not Covered
Privilage Healthline: Rs.10,000 every 2 Years
(Additional benefit)
Bariatric Surgery
Not Covered Not Covered Not Covered
Ayush Benefit
Covered 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
Value,Freedom & Enrich Healthline: Not Covered
Privilage Healthline: Up to Rs.1 Lakh Per delivery (Up to 2 deliveries, after 3 consecutive renewals)
New Born baby cover
Vital: Not Covered
Superior: Covered
Premier: Covered
Not Covered
Value,Freedom & Enrich Healthline: Not Covered
Privilage Healthline: Covered up to Sum Insured of Mother / Floater Sum Insured
Organ Donor Expenses
Covered Not Covered Covered
Vaccination (In case of post bite treatment)
Not Covered Not Covered Not Covered
Health Check-up
Not Available Not Available
Value Healthline: Not Covered
Freedom Healthline: Once after 3 claim free years
Enrich & Privilage Healthline: Once after 2 claim free years
Hospital daily allowance
Not Covered Not Covered
Value Healthline& Freedom Healthline: Not Covered
Enrich & Privilage Healthline: Rs.10,000 (Minimum 10 days Hospitalization)
(Additional benefit)
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
Value Healthline: 10% on all claims
Freedom, Enrich, Privilage Healthline: Not Covered
(for age above 55years)
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 4 years of continuous coverage
Restore Benefit
100% of base sum insured for all types of illnesses Not Covered Not Covered
General waiting period
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%
Value Healthline: 5% of sum insured every claim free year subject to maximum of 25% of sum Insured
Freedom Healthline: 5% of sum insured every claim free year subject to maximum of 50% of sum Insured
Enrich Healthline: 50% of sum insured every claim free year subject to maximum of 100% of sum Insured
Privilage Healthline: 5% of sum insured every claim free year subject to maximum of 50% of sum Insured
Emergency Air Ambulance
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
Value Healthline: Rs.1 to 10 Lakhs
Freedom Healthline: Rs.2 to 15 Lakhs
Enrich Healthline: Rs.3 to 25 Lakhs
Privilage Healthline: Rs.5 to 25 Lakhs
Policy can be purchased for
1/2/3 years 1 year 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 65 years (dependents 90 days to 26 years)
Renewability
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
Value Healthline& Freedom Healthline: Not Covered
Enrich Healthline : Rs 500 per day for 7 days
Privilage Healthline: Not Covered
(Additional benefit)
Claims loading
No Loading No Loading No Loading
Portablity(At the time of renewal)
Yes Yes Yes
Tax Benefits Limit
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