Future Generali vs Oriental Health Insurance

Compare Future Generali vs Oriental 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
* Get insurance updates
Future Generali Oriental
Claims Settlement Ratio ** 94.55% 99.48%
Number of Lives Covered * 1,16,17,000 3,03,25,000
Network Hospitals 9,900 + 4,300 +
  • * As per IRDAI report for 2018-19
  • ** As per NL25 data published on the Insurance Company website
Future generali Future generali Oriental Oriental Oriental
Health Total Arogya Sanjeevani Individual Mediclaim Happy Floater 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. Not exceeding 1% of the sum insured per day
Silver & Gold: 1% of the sum insured per day
Diamond: Rs.10,000 and 0.5% of the sum insured above Rs.10 lakhs per day
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. Not exceeding 2% of the Sum Insured per day
Silver & Gold: 2% of the sum insured per day
Diamond: Rs.20,000 and 1% of the sum insured above Rs.10 lakhs per day
Up to 5% of 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 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 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 up to sum insured Covered up to sum insured 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 Rs.2,000 or 1% of the sum insured not exceeding Rs.4,000
Silver: Rs.1,000 per illness and 1% of the sum insured subject to maximum Rs.3,000 per policy period
Gold: Rs.2,000 per illness and Rs.6,000 per policy period
Diamond: Rs.3,000 per illness and Rs.8,000 per policy period
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 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 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 Not Covered
Silver & Gold: Not Covered
Diamond: COvered up to 2.5% of the sum insured
Not Covered
New Born baby cover
Vital: Not Covered
Superior: Covered
Premier: Covered
Not Covered Not Covered
Silver & Gold: Not Covered
Diamond: Covered up to 2.5% of the sum insured up to 90 days from the date of birth
Not Covered
Organ Donor Expenses
Covered Not Covered Covered Lumpsum payment of 10% of the sum insured. 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 Not Covered Not Covered Not Covered
Hospital daily allowance
Not Covered Not Covered 0.1% of the sum insured per day subject to maximum of 6 days per insured person
Silver: Not Covered
Gold: 0.1% of Sum Insured (Rs.600 to RS.1,000) per day of Hospitalisation,subject to a maximum compensation for 10 days per Illness. Overall liability of the Company during the Policy Period will be limited to 1.5% of the Sum Insured
Diamond: 0.1% of Sum Insured (Rs.1,200 to RS.2,000) per day of Hospitalisation,subject to a maximum compensation for 10 days per Illness. Overall liability of the Company during the Policy Period will be limited to 1.5% of the 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 Option of voluntary Co-pay of 10% or 20% with premium reduction Mandatory Co-pay of 10% up to 70years / Additional 20% above 70 years 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 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 NIL Restoration benefit NIL Restoration benefit NIL Restoration benefit
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% Not Covered Not Covered 5% for every claim free year up to 50% of sum insured
Emergency Air Ambulance
Not Covered 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 Rs.1 to 10 Lakhs
Silver: Rs.2 to 5 Lakhs
Gold: Rs.6 to 10 Lakhs
Diamond: Rs.12 to 20 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 to 65 years (dependents 91 days to 17 years) Adults from 18 to 65 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 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 Not Covered
Claims loading
No Loading No Loading No Loading No 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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Indian Health Insurance Resources

CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2025