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Insurance Plans Comparison

Future Generali Health Super Saver Standard vs Star Cardiac Care Platinum

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
Star

Cardiac Care Platinum

Health cover for heart patients with cardiac cover from day 31, plus non-cardiac, OPD and health check-up benefits.

What Makes It Special:

A specialised health plan for people who have already had heart treatment, including cardiac surgery or a procedure. It covers heart-related hospitalisation after 30 days, as well as non-cardiac illness and accident cover, OPD expenses and an annual health check-up.

Best For:

  • Patients who may need cardiac devices such as pacemakers or AICD.

  • People who want heart and non-heart hospitalisation in one plan.

  • People wanting cardiac cover after a 30-day waiting period.

  • Heart patients who find it hard to get a regular health policy.

  • People aged 7 to 70 who have had cardiac surgery or a procedure, such as angioplasty or bypass.

Insurance Plans Comparison

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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.

  • Things to Consider: Maternity is not covered, and the premium is higher than a standard health plan.

  • Things to Consider: Sublimits apply to cataract, cardiac devices, angiogram, rehabilitation and modern treatments.

  • Things to Consider: Restoration does not apply to cardiac claims or modern treatments.

  • Things to Consider: Sum Insured is capped at ₹15 lakh.

  • Things to Consider: Non-cardiac pre-existing diseases have a 36-month waiting period.

  • Reasons to Consider: Cardiac devices up to 50% of SI, heart transplantation and coronary angiogram are specifically covered.

  • Reasons to Consider: OPD expenses and an annual health check-up are paid in addition to the Sum Insured.

  • Reasons to Consider: Hospitalisation includes a single private AC room.

  • Reasons to Consider: No pre-policy medical tests are required, but past medical records must be submitted.

  • Reasons to Consider: Cardiac ailments, including pre-existing heart conditions, are covered after only 30 days.

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

VS
Cardiac Care Platinum
Cardiac Care Platinum

Health Insurance Plan

Brochure

Room Rent

Health Super Saver Standard

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

VS

Cardiac Care Platinum

Single Private A/C Room; proportionate deduction applies for a higher room category, except where the hospital does not use differential billing.

ICU Charges

Health Super Saver Standard

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

VS

Cardiac Care Platinum

Covered as part of hospitalisation expenses up to Sum Insured in Sections 1 and 2; no separate ICU cap stated.

Co-payment

Health Super Saver Standard

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

VS

Cardiac Care Platinum

No co-payment clause found in the policy documents.

Disease-wise sublimits

Health Super Saver Standard

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

VS

Cardiac Care Platinum

Cataract: ₹30,000 per eye (maximum ₹40,000 per year) for SI ₹5L; ₹40,000 per eye (maximum ₹60,000 per year) for higher SI. Cardiac devices up to 50% of SI; conventional coronary angiogram ₹20,000 for SI up to ₹7.5L or ₹25,000 above; rehabilitation and pain management up to 10% of SI; modern treatment sublimits apply; coronary stents are subject to DPCO/NPPA caps.

Cashless Healthcare Providers

Health Super Saver Standard

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

VS

Cardiac Care Platinum

Cashless treatment is available at Star Health network hospitals for Sections 1 and 2. Reimbursement is available at non-network hospitals; network hospital count requires verification.

Restoration Benefit

Health Super Saver Standard

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

VS

Cardiac Care Platinum

Automatic restoration of 100% of Basic Sum Insured once per policy period under Section 1 only, for unrelated illness; not available for cardiac ailments or modern treatments.

Cumulative Bonus

Health Super Saver Standard

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

VS

Cardiac Care Platinum

10% of the Basic Sum Insured for each claim-free year, up to 100%; not applicable to Section 3 OPD.

Daycare Treatment

Health Super Saver Standard

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

VS

Cardiac Care Platinum

All Day care procedures are covered.

Consumable Cover

Health Super Saver Standard

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

VS

Cardiac Care Platinum

Not mentioned as a separate benefit in the policy documents.

AYUSH Treatment

Health Super Saver Standard

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

VS

Cardiac Care Platinum

In-patient AYUSH treatment is covered up to the Sum Insured under Sections 1 and 2. Yoga and Naturopathy require prior approval.

Initial Waiting Period

Health Super Saver Standard

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

VS

Cardiac Care Platinum

30 days for illness under Section 1; accidents are covered from day 1. Section 2 cardiac cover also has a 30-day waiting period.

Specific Waiting Period

Health Super Saver Standard

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

VS

Cardiac Care Platinum

24 months for listed diseases and procedures in Section 1; 24 months for heart transplantation.

PED Waiting Period

Health Super Saver Standard

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

VS

Cardiac Care Platinum

36 months for non-cardiac pre-existing diseases in Section 1; 30 days for cardiac pre-existing diseases in Section 2.

Modern Treatment

Health Super Saver Standard

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

VS

Cardiac Care Platinum

Covered under Sections 1 and 2, subject to treatment-wise sublimits by Sum Insured. Examples: robotic surgery ₹2.5L–₹4L; oral chemotherapy ₹1.25L–₹2.5L; immunotherapy ₹2.5L–₹5L. Bronchial thermoplasty, prostate vaporisation and IONM are covered up to the Sum Insured. These benefits are part of the Sum Insured.

Annual Health Checkup

Health Super Saver Standard

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

VS

Cardiac Care Platinum

Covered every policy year irrespective of claims at network facilities: ₹2,000 for SI ₹5L and ₹7.5L, ₹3,000 for ₹10L, and ₹4,000 for ₹15L; in addition to the Sum Insured.

Pre-Hospitalisation

Health Super Saver Standard

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

VS

Cardiac Care Platinum

Up to 30 days before admission.

Post-Hospitalisation

Health Super Saver Standard

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

VS

Cardiac Care Platinum

Up to 60 days after discharge.

Outpatient Department Cover (OPD Expense)

Health Super Saver Standard

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

VS

Cardiac Care Platinum

Covered at network facilities, including vaccination, on a reimbursement basis: ₹2,500 / ₹3,000 / ₹3,500 / ₹5,000 per policy period for SI ₹5L / ₹7.5L / ₹10L / ₹15L. In addition to the Sum Insured. Cardiac treatment is payable under Section 2, not under OPD.

Deductible Option

Health Super Saver Standard

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

VS

Cardiac Care Platinum

Not available or mentioned in the policy documents.

Coverage Options

Health Super Saver Standard

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

VS

Cardiac Care Platinum

Sum Insured ₹5L, ₹7.5L, ₹10L, or ₹15L. Entry age 7–70 years with a past cardiac ailment treated by surgical intervention or procedure. Policy term 1, 2, or 3 years; lifelong renewal.

Claim Settlement Ratio

Health Super Saver Standard

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

VS

Cardiac Care Platinum

92.16% of claims settled by number in FY 2025–26.

Maternity Cover

Health Super Saver Standard

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

VS

Cardiac Care Platinum

Not covered; maternity is excluded under Code Excl 18.

Insurance Plans Comparison

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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

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