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Insurance Plans Comparison

Future Generali Health Super Saver Standard vs Star Diabetes Safe Plan A

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

Diabetes Safe Plan A

Health Insurance Designed for People with Type I or Type II Diabetes

What Makes It Special:

Diabetes-Focused Health Insurance

Best For:

  • Eligible couples considering individual or floater coverage.

  • Customers who want outpatient benefits at network hospitals and diagnostic centres.

  • Individuals looking for hospitalisation cover for other illnesses and accidental injuries.

  • Customers seeking cover for eligible diabetes complications.

  • Individuals aged 18 to 65 years with Type I or Type II Diabetes Mellitus.

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.

Star Diabetes Safe Plan A

  • Understand the restoration benefit and its individual-policy restriction.

  • Review the room category and pre- and post-hospitalisation limits.

  • Check cataract and modern treatment sublimits.

  • Review the Sum Insured and outpatient benefit limits.

  • Check the waiting period for diabetes complications under Plan B.

  • Understand the medical screening requirement under Plan A.

  • Compare Plan A and Plan B.

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
Diabetes Safe Plan A
Diabetes Safe Plan A

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

Diabetes Safe Plan A

  1. Single standard air-conditioned room, subject to policy terms and applicable limits.
ICU Charges

Health Super Saver Standard

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

VS

Diabetes Safe Plan A

Covered as part of eligible hospitalisation expenses, subject to policy terms.

Co-payment

Health Super Saver Standard

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

VS

Diabetes Safe Plan A

Not specified.

Disease-wise sublimits

Health Super Saver Standard

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

VS

Diabetes Safe Plan A

Sublimits apply to specified treatments, including cataract and certain modern treatments. Plan B also has limits for specified cardiovascular complications.

Cashless Healthcare Providers

Health Super Saver Standard

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

VS

Diabetes Safe Plan A

Cashless treatment is available at eligible network hospitals, subject to authorisation and policy conditions.

Restoration Benefit

Health Super Saver Standard

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

VS

Diabetes Safe Plan A

100% of the basic Sum Insured is restored once during the policy period for eligible Section 2 claims on individual policies. This benefit is not available on floater policies.

Cumulative Bonus

Health Super Saver Standard

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

VS

Diabetes Safe Plan A

Not specified.

Daycare Treatment

Health Super Saver Standard

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

VS

Diabetes Safe Plan A

Eligible daycare procedures are covered, subject to policy terms.

Consumable Cover

Health Super Saver Standard

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

VS

Diabetes Safe Plan A

Not specified.

AYUSH Treatment

Health Super Saver Standard

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

VS

Diabetes Safe Plan A

Eligible inpatient Ayurveda, Unani, Siddha and Homeopathy treatment is covered up to the Sum Insured, subject to policy terms. 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

Diabetes Safe Plan A

  1. 30 days for applicable illnesses, except covered accidents. The waiting period applies according to the selected plan and policy section.
Specific Waiting Period

Health Super Saver Standard

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

VS

Diabetes Safe Plan A

24 months for specified diseases and procedures under applicable sections. A 12-month waiting period applies to specified diabetes complications under Plan B.

PED Waiting Period

Health Super Saver Standard

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

VS

Diabetes Safe Plan A

36 months for pre-existing diseases under applicable sections.

Modern Treatment

Health Super Saver Standard

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

VS

Diabetes Safe Plan A

  1. Specified modern treatments are covered, subject to treatment-specific limits.
Annual Health Checkup

Health Super Saver Standard

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

VS

Diabetes Safe Plan A

Not specified.

Pre-Hospitalisation

Health Super Saver Standard

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

VS

Diabetes Safe Plan A

Up to 30 days before hospital admission.

Post-Hospitalisation

Health Super Saver Standard

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

VS

Diabetes Safe Plan A

Up to 60 days after discharge, limited to 7% of eligible hospitalisation expenses and a maximum of ₹5,000 per hospitalisation.

Outpatient Department Cover (OPD Expense)

Health Super Saver Standard

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

VS

Diabetes Safe Plan A

Covered at network hospitals and diagnostic centres. Limits vary by plan, Sum Insured and individual or floater basis.

Deductible Option

Health Super Saver Standard

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

VS

Diabetes Safe Plan A

Not specified.

Coverage Options

Health Super Saver Standard

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

VS

Diabetes Safe Plan A

Individual and Family Floater for self and spouse.

Claim Settlement Ratio

Health Super Saver Standard

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

VS

Diabetes Safe Plan A

Insurer-level metric, not a policy benefit.

Maternity Cover

Health Super Saver Standard

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

VS

Diabetes Safe Plan A

Not covered, except ectopic pregnancy as specified in the policy.

Insurance Plans Comparison

Still Confused? Get Expert Advice

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

Why Choose Our Expert Consultation?

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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

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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