Future Generali vs Royal Sundaram Health Insurance

Compare Future Generali vs Royal Sundaram 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 Royal Sundaram
Claims Settlement Ratio ** 94.55% 80.13%
Number of Lives Covered * 1,16,17,000 1,406,000
Network Hospitals 9,900 + 5,000 +
  • * As per IRDAI report for 2018-19
  • ** As per NL25 data published on the Insurance Company website
Future generali Future generali royal-sundaram royal-sundaram royal-sundaram
Health Total Arogya Sanjeevani Lifeline health Family Plus Arogya Sanjeevani
In-patient Treatment
Covered up to Sum Insured Covered up to Sum Insured 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. No Room Rent Capping No Room Rent Capping Up to 2% of sum insured subject to a maximum of Rs.5000
ICU Charges
Covered Up to 5% of the sum insured subject to maximum of Rs.10,000 per day. Not covered No Room Rent Capping Up to 5% of sum insured subject to a maximum of Rs.10000
Pre-hospitalization
60 days before the date of admission to the hospital 30 days before the date of admission to the hospital
Classic: Covered up to 30 days
Supreme: Covered up to 60 days
Elite: Covered up to 60 days
Up to 60 days Up to 30 days
Post-hospitalization
90 days after discharge from the hospital 60 days after discharge from the hospital
Classic: Covered up to 60 days
Supreme: Covered up to 90 days
Elite: Covered up to 180 days
Up to 180 days Up to 60 days
Day Care Procedures
Covered Covered Covered up to sum insured Covered up to sum insured Covered up to sum insured
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
Classic: Up to Rs.3,000
Supreme: Up to Rs.5,000
Elite: Up to Rs.10,000
Up to Rs 4,000 Up to 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 Not covered
Bariatric Surgery
Not Covered Not Covered Not covered Not covered Not covered
Ayush Benefit
Covered Covered
Classic: Government Hospitals - Covered up to sum insured
Other Hospitals - Covered up to Rs.20,000
Supreme: Government Hospitals - Covered up to sum insured
Other Hospitals - Covered up to Rs.30,000
Elite: Government Hospitals - Covered up to sum insured
Other Hospitals - Covered up to Rs.50,000
Government Hospitals - Covered up to sum insured
Other Hospitals - Covered up to Rs.50,000
Available 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
Classic: Not covered
Supreme: Not covered
Elite: 25,30,50 Lakhs: Rs.200000
100,150 Lakhs: Rs.250000
INR 50,000, per delivery Not covered
New Born baby cover
Vital: Not Covered
Superior: Covered
Premier: Covered
Not Covered
Classic: Not covered
Supreme: Not covered
Elite: Rs.25 lakhs: Rs.625,000
Rs.30 lakhs: Rs.750,000
Rs.50 Lakhs: Rs.1,250,000
Rs.100 lakhs: Rs.2,500,000
Rs.150 lakhs: Rs.3,750,000
Covered Not covered
Organ Donor Expenses
Covered Not Covered Covered up to sum insured Covered up to sum insured Not covered
Vaccination (In case of post bite treatment)
Not Covered Not Covered
Classic: Up to Rs.2,500
Supreme: Up to Rs.5,000
Elite: Up to Rs.7,500
Up to Rs.5,000 covered Not covered
Health Check-up
Not Available Not Available
Classic: Not covered
Supreme: Annual
Elite: Annual
Covered Not covered
Hospital daily allowance
Not Covered Not Covered Not covered Not covered 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 Covered Covered Co-payment of 5% applicable
Pre-existing diseases coverage
Pre-existing diseases covered after 2 years of continuous coverage Pre-existing diseases covered after 4 years of continuous coverage
Classic: Covered after 48 months
Supreme: Covered after 36 months
Elite: Covered after 24 months
Covered after 36 months Covered after 48 months
Restore Benefit
100% of base sum insured for all types of illnesses Not Covered Not covered Not covered Not covered
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% Covered Covered 5% in respect of each claim free year subject to a maximum of 50% of sum insured, in the event of claim Cumulative Bonus shall be reduced at the same rate.
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
Classic: 2/3/4 Lakhs
Supreme: 5/10/15/20/50 Lakhs
Elite: 25/30/50/100/150 Lakhs
Individual - Rs.2/3/5/10/15 lakhs
Floater - Rs.3/4/10/15/20/25/50 lakhs
Rs.1/1.5/2/2.5/3 /3.5/4/4.5/5 lakhs
Policy can be purchased for
1/2/3 years 1 year 1/2 years 1/2 years 1 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 91 days to 5 years) There is No Restriction on Maximum Entry Age Adults from 18 to 65 years (dependents 3 months to 25 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 Applicable Applicable 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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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2025