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Insurance Plans Comparison

Care Supreme Super Saver vs Future Generali Health Super Saver Standard

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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Care

Supreme Super Saver

Care Supreme Super Saver offers health insurance coverage with unlimited automatic recharge, cumulative bonus options, modern treatment coverage and wellness benefits, subject to the selected benefits and policy terms.

What Makes It Special:

Care Supreme Super Saver offers health insurance coverage for individuals and families, with benefits including hospitalisation, daycare procedures, modern treatments, AYUSH treatment, domiciliary hospitalisation and unlimited automatic recharge. Customers can also choose eligible optional benefits for enhanced cumulative bonuses, non-payable hospital expense coverage, OPD consultations and modifications to the pre-existing...

Best For:

  • Individuals looking for optional OPD consultations and wellness benefits.

  • Customers interested in optional coverage for listed non-payable hospital expenses.

  • People who want to build additional coverage through cumulative bonus benefits.

  • Customers looking for unlimited automatic recharge for eligible medical claims.

  • Individuals and families seeking comprehensive hospitalisation coverage.

VS
Future Generali

Health Super Saver Standard

Comprehensive Health Shield with 80% Super Saver Renewal Discount

What Makes It Special:

Future Generali Health Super Saver Standard offers robust hospitalization coverage while rewarding claim-free years with up to an 80% renewal premium discount. The policy provides extensive protection including inbuilt maternity benefits, home healthcare, AYUSH treatments, extended pre-and post-hospitalization coverage, day care procedures, and access to an extensive nationwide cashless hospital...

Best For:

  • Buyers seeking flexible sum insured options ranging from ₹3 Lakhs to ₹50 Lakhs.

  • Patients requiring home healthcare services for ongoing medical treatment or post-surgical care.

  • Buyers wanting comprehensive coverage for alternative therapies like Ayurveda, Unani, Siddha, and Homeopathy.

  • Policyholders seeking inbuilt maternity coverage for delivery, pre-natal, and post-natal care.

  • Families and individuals looking to save up to 80% on renewal premiums by remaining claim-free.

Insurance Plans Comparison

Get Personalized Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Quick Decision Guide

  • Understand renewal discounts: Check the healthy-day requirements and other conditions that determine eligibility for wellness-linked renewal discounts.

  • Evaluate optional benefits: Compare the cost and coverage of OPD, Claim Shield, wellness benefits and other available add-ons.

  • Review waiting periods: Consider the initial, named-ailment and pre-existing disease waiting periods.

  • Compare bonus options: Understand the standard cumulative bonus and optional enhancements before choosing.

  • Choose your sum insured: Compare available coverage amounts against your healthcare needs, family size and budget.

Future Generali Health Super Saver Standard

  • Ensure Future Generali’s 8,400+ cashless network hospitals include convenient facilities in your location.

  • Keep in mind the 24-month waiting period for pre-existing diseases and specified medical procedures.

  • Verify room rent and specific procedure sub-limits based on your selected base plan option.

  • Ideal if you require integrated maternity benefits after a 9-month waiting period.

  • Choose this plan if you want substantial long-term savings through an 80% discount on claim-free renewal years.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Supreme Super Saver
Supreme Super Saver

Health Insurance Plan

VS
Health Super Saver Standard
Health Super Saver Standard

Health Insurance Plan

Room Rent

Supreme Super Saver

Room rent is covered up to the sum insured, subject to the policy’s room eligibility and applicable terms.

VS

Health Super Saver Standard

Room, board, and nursing expenses covered up to single private room eligibility limits.

ICU Charges

Supreme Super Saver

ICU expenses are covered up to the sum insured, subject to the applicable policy terms.


VS

Health Super Saver Standard

Fully covered as part of medically necessary hospitalisation with no specific daily capping.

Disease-wise sublimits

Supreme Super Saver

No sublimits on modern or conventional treatments. Individual treatments and claims remain subject to policy exclusions, definitions and other applicable conditions.

VS

Health Super Saver Standard

Applicable sub-limits for maternity, cataract, mental illness, modern treatments, and optional procedures.

Co-payment

Supreme Super Saver

Optional Care OPD has specified co-payments: 10% for general physician consultations under one listed option and 5% for specialist consultations under that option. Check the selected policy schedule for any other applicable co-payment.

VS

Health Super Saver Standard

No mandatory co-payment percentage applied across entry age groups under base terms.

Cashless Healthcare Providers

Supreme Super Saver

Cashless treatment is available at eligible network hospitals, subject to network participation, pre-authorisation and policy terms.

VS

Health Super Saver Standard

Cashless facility accessible across Future Generali’s empanelled nationwide network hospital list.

Restoration Benefit

Supreme Super Saver

Unlimited Automatic Recharge is available for related and unrelated illnesses, including repeated use for the same illness, subject to policy terms.

VS

Health Super Saver Standard

Sum insured restore options are subject to base policy terms and plan variant selection.

Cumulative Bonus

Supreme Super Saver

Standard cumulative bonus: 50% of the sum insured per year, up to a maximum of 100% of the sum insured. The accumulated bonus does not reduce due to claims, subject to policy conditions. The optional Cumulative Bonus Super can increase the bonus by up to 100% of the sum insured per year, up to 500%.

VS

Health Super Saver Standard

Replaced by Super Saver Discount offering an 80% renewal premium discount for claim-free tenures.

Daycare Treatment

Supreme Super Saver

All eligible daycare procedures are covered up to the sum insured, subject to policy terms.

VS

Health Super Saver Standard

Over 400 specified medical and surgical procedures requiring less than 24 hours hospitalisation covered.dis

Consumable Cover

Supreme Super Saver

The optional Claim Shield benefit covers expenses relating to 68 listed non-payable items during hospitalisation. Claim Shield+ offers a broader list of eligible non-payable items under the applicable add-on terms. These benefits are optional and subject to additional premium.

VS

Health Super Saver Standard

Non-medical consumable items specified in policy exclusions are not covered under base policy.

AYUSH Treatment

Supreme Super Saver

Eligible AYUSH treatment is covered up to 100% of the sum insured, subject to policy terms.

VS

Health Super Saver Standard

Inpatient hospitalisation covered under Ayurveda, Unani, Siddha, or Homeopathy in recognized government institutes.

Initial Waiting Period

Supreme Super Saver

30 days from policy inception for illnesses. This waiting period does not apply to eligible accident-related claims.

VS

Health Super Saver Standard

30 days initial waiting period applies for all illnesses except accidental injuries.

Specific Waiting Period

Supreme Super Saver

24 months for named ailments, subject to the policy’s list of covered conditions and applicable exceptions.

VS

Health Super Saver Standard

24 months for specified conditions; 48 months for joint replacements due to degenerative conditions.

PED Waiting Period

Supreme Super Saver

36 months for pre-existing diseases under the standard waiting-period terms. The optional Modification of PED Waiting Period can reduce this to 1 or 2 years, as selected and accepted under the policy.

VS

Health Super Saver Standard

24 months waiting period for pre-existing diseases and their direct medical complications.

Modern Treatment

Supreme Super Saver

Covers eligible modern and conventional treatments up to the sum insured, with no sublimits stated for these treatments in the brochure, subject to policy terms.

VS

Health Super Saver Standard

Restricted to 50% of the Sum Insured per policy period for listed modern procedures.

Annual Health Checkup

Supreme Super Saver

One health check-up per insured person per policy year, subject to the policy terms.

VS

Health Super Saver Standard

Available annually for insured members as per eligible benefit structure and plan options.

Pre-Hospitalisation

Supreme Super Saver

Eligible medical expenses incurred up to 60 days before hospitalisation are covered, subject to policy conditions.

VS

Health Super Saver Standard

Medical expenses covered up to 60 days immediately prior to hospital admission.

Post-Hospitalisation

Supreme Super Saver

Eligible post-hospitalisation medical expenses are covered for up to 180 days after discharge, subject to policy conditions.

VS

Health Super Saver Standard

Medical expenses covered up to 90 days immediately following hospital discharge date.

Outpatient Department Cover (OPD Expense)

Supreme Super Saver

Care OPD is an optional add-on policy. Depending on the applicable option and zone, it provides up to four physical consultations with a general physician and up to four consultations with specified specialists per insured person per policy year, subject to consultation limits and co-payments.

VS

Health Super Saver Standard

Outpatient medical and diagnostic procedures are excluded under standard inpatient base coverage.

Deductible Option

Supreme Super Saver

A standard deductible option is not specified in the uploaded brochure. Review the current quote and policy schedule for any applicable deductible.

VS

Health Super Saver Standard

Voluntary deductible options are not part of the standard policy base structure.

Coverage Options

Supreme Super Saver

Individual cover for up to 6 persons or family floater cover for up to 2 adults and 2 children, subject to eligibility.

VS

Health Super Saver Standard

Available under both Individual and Family Floater sum insured policy options.

Claim Settlement Ratio

Supreme Super Saver

Use Care Health Insurance’s verified insurer-level claim settlement ratio for the relevant financial year.

VS

Health Super Saver Standard

Supported by Future Generali India Insurance's established claim processing performance track record.

Maternity Cover

Supreme Super Saver

Maternity expenses are not listed as a standard base benefit in the brochure. Certain services or discounts may be available through optional Care OPD or network wellness services, but these should not be treated as maternity insurance coverage.

VS

Health Super Saver Standard

Covered after a 9-month waiting period, subject to sub-limits based on plan options.

Insurance Plans Comparison

Still Confused? Get Expert Advice

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Talk to experienced advisors at no cost, and make confident decisions

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Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

What Our Experts Help You With

Personalised Recommendations

  • Every suggestion is backed by expert analysis of your life stage, goals, and budget

Expert-Led Policy Review

  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

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  • From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free

Insurance Plans Comparison

Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

Family Health Plan

Family Health Plan

  • One policy covers the entire family

  • High sum insured with cashless care

  • Multiple coverage options based on your family needs

Maternity Health Plan

Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

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