Aditya Birla Health Insurance vs Future Generali Health Insurance

Have you heard about health insurance before but refrained from getting it because you were too skeptical about the advantages it offers? Well, the only fair thing is to give yourself a chance to change your mind about health insurance by doing some research. This comparative study of leading insurers Aditya Birla Health Insurance and Future Generali Health Insurance will have you looking for a health insurance policy right away! 

Aditya Birla Health Insurance vs Future Generali Health Insurance – Overview 

ParameterAditya Birla Health Insurance Future Generali Health Insurance
No. of health insurance policies10+13
E-servicesPolicy salePolicy renewalClaim settlementOnline consultationBranch locator24x7 customer supportPolicy salePolicy renewalClaim settlementOnline consultationBranch locator24x7 call assistance
Branches650125+
Claim settlement ratio (CSR)93.68%95.28%
Cashless claim settlement time2 hours1.5 hours
Hospital network7,000+6,000+ 

*Source: The Annual Report of the Insurance Regulatory and Development Authority of India (IRDAI) – years 2018-19 

Health Insurance Policies: Aditya Birla Health Insurance vs Future Generali Health Insurance 

Companies Aditya Birla Health Insurance and Future Generali Health Insurance have credentials that speak for themselves. For instance, take a look at their CSR – which is above 90%, their speedy turnaround times, and the number of network hospitals associated with them. Buying a health insurance policy from either of the two insurers would make for a good choice. 

Senior Citizen Insurance Policy: 

Aditya Birla offers ‘Activ Care’ – a senior citizen policy that provides:

  • Sum insured (SI) amount options up to Rs. 25,00,000
  • Coverage for:
  • Pre and post-hospitalization
  • In-patient hospitalization
  • Domiciliary hospitalization
  • 586 daycare procedures
  • Non-allopathic treatments
  • Organ donor expenses 
  • Nursing expenses
  • Lifestyle support medical equipment
  • In-patient mental healthcare
  • OPD treatments
  • Personal health coaching
  • Air/road ambulance services
  • Health check-up and health assessment 

Future Generali offers the ‘Future Varishta Bima Policy’ that provides: 

  • SI amounts up to Rs. 10,00,000
  • Coverage for:
  • Pre and post-hospitalization
  • In-patient hospitalization
  • Daycare procedures
  • Road ambulance charges 
  • Reimbursement of 50% of expenses incurred towards the pre-policy medical test 
  • 10% discount on premiums 
  • A free annual health check-up 

Individual Personal Accident Policy: 

Aditya Birla’s Personal Accident Policy offers: 

  • 5 sub-policy variants
  • SI amounts up to Rs. 20,00,00,000
  • 100% of the SI on accidental death
  • 100% of the SI for permanent total disability 
  • Up to 100% of the SI for permanent partial disability
  • Up to Rs. 50,000 per week for a maximum of 100 weeks for temporary total disability
  • Up to Rs. 10,00,000 towards a child education benefit for the insured’s dependent children
  • Up to Rs. 1,00,000 towards modification/reparation expenses of the insured’s vehicle/home 
  • Coverage for: 
  • Road ambulance charges 
  • Funeral expenses
  • Transportation of mortal remains 
  • Optional benefits/add-on covers for:
  • In-patient hospitalization
  • Broken bones, coma and burns
  • Injury caused while engaging in adventure sports 
  • Loans/EMIs 
  • Daycare procedures 
  • Wellness coach

Future Generali’s Personal Accident Policy called ‘Accident Suraksha’ offers:

  • SI amounts up to 144 times of the monthly income of the insured 
  • 100% of the SI on accidental death
  • 150% of the SI for permanent total disability 
  • 100% of the SI for coma
  • Up to 100% of the SI for burns and broken bones 
  • Up to 75% of the SI for permanent partial disability
  • Up to Rs. 50,00,000 for temporary total disability
  • Up to Rs. 10,00,000 towards a child education benefit for the insured’s dependent children
  • Up to Rs. 12,500 for repatriation and funeral expenses 
  • Coverage for death/injury due to terrorism 
  • 12 benefits/add-on covers such as: 
  • Life support benefit 
  • Accidental medical expenses 
  • Accidental hospitalization
  • Loan protector 
  • Adventure sports benefit 
  • Road and air ambulance cover 

Arogya Sanjevani Policy: 

After the IRDAI’s mandate, all insurers, including Aditya Birla Health Insurance and Future Generali Health Insurance now offer the Arogya Sanjeevani Policy that gives:  

  • SI amounts up to Rs. 5,00,000
  • Coverage for: 
  • Pre and post-hospitalization 
  • In-patient hospitalization 
  • Daycare procedures
  • Non-allopathic treatments 
  • Cataract treatment 
  • Ambulance charges
Click to rate this!
[Total: 0 Average: 0]