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Insurance Plans Comparison

Future Generali Health Super Saver Standard vs Care Supreme

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

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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.

VS
Care

Supreme

Comprehensive Health Plan with Unlimited Restoration and Zero Room Rent Limits.

What Makes It Special:

Care Supreme by Care Health Insurance is a comprehensive health plan designed for individuals and families, offering sum insured options from ₹3 lakh to ₹1 crore. It covers in-patient hospitalization, AYUSH treatments, day-care procedures, domiciliary care, and organ donor expenses with no sub-limits. Key highlights include the “Cumulative Bonus Super,”...

Best For:

  • Family-Focused Comprehensive Plan

  • High-Bonus Health Coverage

  • Wellness and Fitness Rewards

  • Customizable All-Round Protection

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

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.

Care Supreme

  • You want a high bonus for claim-free years

  • Has OPD benefits which can be opted at a minimal premium

  • You prefer no sub-limits on key expenses

  • Wellness rewards and fitness discounts motivate you

  • You need add-ons like mental health coverage

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Health Super Saver Standard
Health Super Saver Standard

Health Insurance Plan

Brochure

Policy Wording

VS
Supreme
Supreme

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Health Super Saver Standard

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

VS

Supreme

All room categories are covered

ICU Charges

Health Super Saver Standard

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

VS

Supreme

No restriction on ICU room rent

Co-payment

Health Super Saver Standard

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

VS

Supreme

Not available

Disease-wise sublimits

Health Super Saver Standard

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

VS

Supreme

No 

Cashless Healthcare Providers

Health Super Saver Standard

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

VS

Supreme

21700+ Healthcare Providers

Restoration Benefit

Health Super Saver Standard

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

VS

Supreme

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

(per claim in a policy year for related/unrelated illnesses)

Cumulative Bonus

Health Super Saver Standard

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

VS

Supreme

Your sum insured increases by 50% every year maximum upto 100%. However, you can pay an additional premium to increase sum insured up to 500%

(Option to boost coverage by 5x annually)

Daycare Treatment

Health Super Saver Standard

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

VS

Supreme

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to annual sum insured

Consumable Cover

Health Super Saver Standard

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

VS

Supreme

No. However, available as an add-on

AYUSH Treatment

Health Super Saver Standard

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

VS

Supreme

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

Initial Waiting Period

Health Super Saver Standard

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

VS

Supreme

30 days

Specific Waiting Period

Health Super Saver Standard

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

VS

Supreme

2 years

PED Waiting Period

Health Super Saver Standard

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

VS

Supreme

3 years

Modern Treatment

Health Super Saver Standard

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

VS

Supreme

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Annual Health Checkup

Health Super Saver Standard

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

VS

Supreme

Health checkup is not included as part of base cover. However, available as an add-on

Pre-Hospitalisation

Health Super Saver Standard

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

VS

Supreme

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

Post-Hospitalisation

Health Super Saver Standard

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

VS

Supreme

You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it

Outpatient Department Cover (OPD Expense)

Health Super Saver Standard

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

VS

Supreme

OPD expense is not included as part of base cover. However, available as an add-on

Deductible Option

Health Super Saver Standard

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

VS

Supreme

Not available

Coverage Options

Health Super Saver Standard

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

VS

Supreme

Available coverage options: ₹5L, ₹7L, ₹10L, ₹15L, ₹25L, ₹50L and ₹1 Cr

Claim Settlement Ratio

Health Super Saver Standard

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

VS

Supreme

96%

Maternity Cover

Health Super Saver Standard

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

VS

Supreme

Not available

Insurance Plans Comparison

Still Confused? Get Expert Advice

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Why Choose Our Expert Consultation?

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From choosing the right policy to managing claims, every step is handled for you

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Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

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

24/7 Claim Assistance

24/7 Claim Assistance

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

Smart, Tech-Enabled Experience

  • 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)

Having questions? We've got answers. Explore our FAQs to find the information you need.

1-5 of 10 FAQs

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