Insurance Plans Comparison
Future Generali Health Super Saver Standard vs TATA AIG Medicare Select
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
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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
Medicare Select
Comprehensive Health Insurance with Flexible Coverage Options, Unlimited Restoration and Customisable Benefits
What Makes It Special:
TATA AIG MediCare Select is a customisable health insurance plan offering individual and family floater coverage. It combines core hospitalisation benefits with optional features that allow policyholders to adjust their cover to their needs and budget.
Best For:
Flexible sum insured options
Critical illness and daycare treatments
Pre- and post-hospitalization expenses covered
Comprehensive individual and family coverage
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.
Covers daycare treatments without overnight stay.
Pre- and post-hospitalization expenses included.
Safeguards against critical illness and emergencies.
Comprehensive coverage for hospitalization and treatment.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Health Super Saver Standard Health Insurance Plan VS VS |
Medicare Select Health Insurance Plan |
| Room Rent |
|---|
Health Super Saver Standard Room, board, and nursing expenses covered up to single private room eligibility limits. |
VS VS |
Medicare Select Single private AC room is included as part of base cover. However, you can opt for add-on to downgrade the room category |
| ICU Charges |
|---|
Health Super Saver Standard Fully covered as part of medically necessary hospitalisation with no specific daily capping. |
VS VS |
Medicare Select 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 VS |
Medicare Select Not available |
| Disease-wise sublimits |
|---|
Health Super Saver Standard Applicable sub-limits for maternity, cataract, mental illness, modern treatments, and optional procedures. |
VS VS |
Medicare Select No |
| Cashless Healthcare Providers |
|---|
Health Super Saver Standard Cashless facility accessible across Future Generali’s empanelled nationwide network hospital list. |
VS VS |
Medicare Select 12,000+ Healthcare Providers |
| Restoration Benefit |
|---|
Health Super Saver Standard Sum insured restore options are subject to base policy terms and plan variant selection. |
VS VS |
Medicare Select es, your sum insured restores to 100% unlimited times after your first claim, for both related and unrelated illnesses |
| Cumulative Bonus |
|---|
Health Super Saver Standard Replaced by Super Saver Discount offering an 80% renewal premium discount for claim-free tenures. |
VS VS |
Medicare Select Your sum insured increases by 50% for every claim-free year, upto 100%. If a claim is made during the policy year, the cumulative bonus is reduced by 50% in the next policy year |
| Daycare Treatment |
|---|
Health Super Saver Standard Over 400 specified medical and surgical procedures requiring less than 24 hours hospitalisation covered.dis |
VS VS |
Medicare Select Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
| Consumable Cover |
|---|
Health Super Saver Standard Non-medical consumable items specified in policy exclusions are not covered under base policy. |
VS VS |
Medicare Select 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 VS |
Medicare Select 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 VS |
Medicare Select 30 days |
| Specific Waiting Period |
|---|
Health Super Saver Standard 24 months for specified conditions; 48 months for joint replacements due to degenerative conditions. |
VS VS |
Medicare Select 2 years |
| PED Waiting Period |
|---|
Health Super Saver Standard 24 months waiting period for pre-existing diseases and their direct medical complications. |
VS VS |
Medicare Select 3 years |
| Modern Treatment |
|---|
Health Super Saver Standard Restricted to 50% of the Sum Insured per policy period for listed modern procedures. |
VS VS |
Medicare Select 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 VS |
Medicare Select 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 VS |
Medicare Select You get cover for medical tests and doctor visits up to 90 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 VS |
Medicare Select You get cover for medical bills up to 90 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 VS |
Medicare Select 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 VS |
Medicare Select Available as an option |
| Coverage Options |
|---|
Health Super Saver Standard Available under both Individual and Family Floater sum insured policy options. |
VS VS |
Medicare Select Available coverage options: ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr, ₹2 Cr, ₹3 Cr |
| Claim Settlement Ratio |
|---|
Health Super Saver Standard Supported by Future Generali India Insurance's established claim processing performance track record. |
VS VS |
Medicare Select 95.43% |
| Maternity Cover |
|---|
Health Super Saver Standard Covered after a 9-month waiting period, subject to sub-limits based on plan options. |
VS VS |
Medicare Select Available |
Insurance Plans Comparison
Still Confused? Get Expert Advice
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What Our Experts Help You With
Personalised Recommendations
Every suggestion is backed by expert analysis of your life stage, goals, and budget
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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
Secure against age-related medical costs
Tailored for seniors healthcare needs
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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
Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs
Senior Citizen Health Plan
Secure against age-related medical costs
Tailored for seniors healthcare needs
Most Popular
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
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.
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