Insurance Plans Comparison
Future Generali Health Super Saver Standard vs Star Comprehensive
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreWhat 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
Comprehensive
Family health insurance with maternity, OPD, dental and eye cover, 100% restoration and up to 100% cumulative bonus.
What Makes It Special:
An all-in-one family health plan that combines hospitalisation cover with maternity and new-born cover, OPD consultations, dental and eye care, hospital cash, bariatric surgery and accidental death/disability cover in a single policy.
Best For:
People under 61 who want to avoid co-payment
Buyers looking for a fast-growing bonus (100% after one claim-free year for SI ₹7.5L+)
People who want OPD, dental and eye expenses included
Families wanting individual or floater cover up to ₹1 crore
Young couples planning a family (maternity and new-born cover)
Insurance Plans Comparison
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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.
Things to Consider: Premiums vary by city zone.
Things to Consider: Modern treatments and bariatric surgery have sublimits.
Things to Consider: Maternity needs both spouses covered for 24 months, and delivery limits are modest at lower SI.
Things to Consider: 10% co-payment for people who join at age 61 or above.
Things to Consider: 36-month PED waiting period, unless you buy the optional PED buy-back (reduces it to 12 months).
Reasons to Consider: 60 days of pre- and 90 days of post-hospitalisation cover, plus air ambulance and home care.
Reasons to Consider: Cumulative bonus up to 100% of SI, plus 100% restoration once a year (usable for the same illness).
Reasons to Consider: OPD consultations and dental/eye treatment covered outside the Sum Insured.
Reasons to Consider: Delivery (up to 2) and new-born cover after 24 months.
Reasons to Consider: Private single AC room with no fixed room rent cap.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Health Super Saver Standard Health Insurance Plan VS VS |
![]() Comprehensive Health Insurance Plan |
| Room Rent |
|---|
Health Super Saver Standard Room, board, and nursing expenses covered up to single private room eligibility limits. |
VS VS |
Comprehensive Information Unavailable |
| ICU Charges |
|---|
Health Super Saver Standard Fully covered as part of medically necessary hospitalisation with no specific daily capping. |
VS VS |
Comprehensive Covered up to Sum Insured; no separate ICU cap. |
| Advanced Treatments |
|---|
Health Super Saver Standard Information Unavailable |
VS VS |
Comprehensive Coverage includes robotic surgeries, stem cell therapy, organ transplants, modern cancer treatments, bariatric surgery, and advanced cardiac procedures as per policy terms. |
| Co-payment |
|---|
Health Super Saver Standard No mandatory co-payment percentage applied across entry age groups under base terms. |
VS VS |
Comprehensive This policy is subject to co-payment of 10% of each and every claim amount for fresh as well as renewal policies for insured persons whose age at the time of entry is 61 years and above |
| Disease-wise sublimits |
|---|
Health Super Saver Standard Applicable sub-limits for maternity, cataract, mental illness, modern treatments, and optional procedures. |
VS VS |
Comprehensive Information Unavailable |
| Waiting Period |
|---|
Health Super Saver Standard Information Unavailable |
VS VS |
Comprehensive
|
| Cashless Healthcare Providers |
|---|
Health Super Saver Standard Cashless facility accessible across Future Generali’s empanelled nationwide network hospital list. |
VS VS |
Comprehensive Access to over 14,000+ cashless healthcare providers for seamless treatment. |
| Restoration Benefit |
|---|
Health Super Saver Standard Sum insured restore options are subject to base policy terms and plan variant selection. |
VS VS |
Comprehensive Information Unavailable |
| Cumulative Bonus |
|---|
Health Super Saver Standard Replaced by Super Saver Discount offering an 80% renewal premium discount for claim-free tenures. |
VS VS |
Comprehensive SI ₹5L: 50% of Basic SI per claim-free year, max 100%. SI ₹7.5L and above: 100% of Basic SI after one claim-free year, max 100%. |
| Daycare Treatment |
|---|
Health Super Saver Standard Over 400 specified medical and surgical procedures requiring less than 24 hours hospitalisation covered.dis |
VS VS |
Comprehensive covered by the policy. |
| Consumable Cover |
|---|
Health Super Saver Standard Non-medical consumable items specified in policy exclusions are not covered under base policy. |
VS VS |
Comprehensive Not mentioned (no separate consumables cover in the policy documents). |
| AYUSH Treatment |
|---|
Health Super Saver Standard Inpatient hospitalisation covered under Ayurveda, Unani, Siddha, or Homeopathy in recognized government institutes. |
VS VS |
Comprehensive AYUSH treatments are covered up to the sum insured. |
| Initial Waiting Period |
|---|
Health Super Saver Standard 30 days initial waiting period applies for all illnesses except accidental injuries. |
VS VS |
Comprehensive 30 days (accidents excepted) |
| Specific Waiting Period |
|---|
Health Super Saver Standard 24 months for specified conditions; 48 months for joint replacements due to degenerative conditions. |
VS VS |
Comprehensive 24 months for listed diseases/procedures; 36 months for Bariatric Surgery; 24 months for Delivery and New Born cover |
| PED Waiting Period |
|---|
Health Super Saver Standard 24 months waiting period for pre-existing diseases and their direct medical complications. |
VS VS |
Comprehensive Information Unavailable |
| Modern Treatment |
|---|
Health Super Saver Standard Restricted to 50% of the Sum Insured per policy period for listed modern procedures. |
VS VS |
Comprehensive
|
| Annual Health Checkup |
|---|
Health Super Saver Standard Available annually for insured members as per eligible benefit structure and plan options. |
VS VS |
Comprehensive Information Unavailable |
| Pre-Hospitalisation |
|---|
Health Super Saver Standard Medical expenses covered up to 60 days immediately prior to hospital admission. |
VS VS |
Comprehensive Information Unavailable |
| Post-Hospitalisation |
|---|
Health Super Saver Standard Medical expenses covered up to 90 days immediately following hospital discharge date. |
VS VS |
Comprehensive Information Unavailable |
| Outpatient Department Cover (OPD Expense) |
|---|
Health Super Saver Standard Outpatient medical and diagnostic procedures are excluded under standard inpatient base coverage. |
VS VS |
Comprehensive Information Unavailable |
| Deductible Option |
|---|
Health Super Saver Standard Voluntary deductible options are not part of the standard policy base structure. |
VS VS |
Comprehensive Information Unavailable |
| Coverage Options |
|---|
Health Super Saver Standard Available under both Individual and Family Floater sum insured policy options. |
VS VS |
Comprehensive Information Unavailable |
| Claim Settlement Ratio |
|---|
Health Super Saver Standard Supported by Future Generali India Insurance's established claim processing performance track record. |
VS VS |
Comprehensive Information Unavailable |
| Maternity Cover |
|---|
Health Super Saver Standard Covered after a 9-month waiting period, subject to sub-limits based on plan options. |
VS VS |
Comprehensive Information Unavailable |
Insurance Plans Comparison
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Insurance Plans Comparison
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