COCOCure Health Insurance vs Future Generali Health Insurance

When life throws unfortunate health eventualities your way, you can get through it with health insurance. It is the perfect financial tool to recover from various illnesses, accidents and injuries as it gives extensive protection for a small and affordable premium price. If you have trouble believing so, you can check out this comparative guide of COCOCure Health Insurance and Future Generali Health Insurance and three of their excellent health insurance policies

COCOCure Health Insurance vs Future Generali Health Insurance – Overview 

ParameterCOCOCure Health InsuranceFuture Generali Health Insurance
No. of health insurance policies813
E-servicesPolicy salePolicy renewalClaim settlementOnline consultationBranch locator 24×7 customer helpPolicy salePolicy renewalClaim settlementOnline consultationBranch locator24x7 call assistance
Branches17125+
Claim settlement ratio (CSR)97%95.28%
Cashless claim settlement time Within 24-48 hoursWithin 1.5 hours
Hospital network5,000+6,000+ 

*Source: Insurance Regulatory and Development Authority of India’s (IRDAI) Annual Report – for the years 2019-20.

Health Insurance Policies: COCOCure Health Insurance vs Future Generali Health Insurance

COCOCure Health Insurance and Future Generali Health Insurance offer health insurance policies for diverse health needs. Their CSR, turnaround time for settling cashless claims and extensive network hospital networks make them reliable and suitable to buy health insurance. 

Vector-borne Policy: 

COCOCure’s Vector-borne Policy, called Coco Seasonal Byte offers: 

  • Sum insured (SI) amount options up to Rs. 2,00,000
  • A fixed cash benefit up to Rs. 10,000 on the diagnosis of a listed vector-borne disease 
  • Coverage for: 
  • 7 vector-borne seasonal diseases such as: 
  1. Malaria
  2. Chikungunya
  3. Dengue fever
  4. Swine flu
  • Pre and post-hospitalization expenses 
  • In-patient hospitalization expenses 
  • Domiciliary (home) hospitalization
  • Non-allopathic treatments
  • Road ambulance charges
  • Funeral expenses and repatriation of mortal remains 
  • OPD treatment 

Future Generali’s Vector-borne Policy, called ‘Future Vector Care’ offers: 

  • SI amount options up to Rs. 75,000
  • 100% payout of the SI on the diagnosis of a listed vector-borne disease
  • Coverage for 7 vector-borne diseases such as: 
  1. Malaria
  2. Dengue fever
  3. Chikungunya
  4. Lymphatic filariasis 
  • No premium loading in case of adverse claims 
  • A waiver of the pre-policy medical test requirement for all ages 

Personal Accident Policy: 

COCOCure’s Personal Accident Policy called COCOProtect gives: 

  • SI amount options up to Rs. 5,00,00,000
  • 100% SI on the death of the insured due to an accident  
  • 200% SI on the death of the insured due to an accident caused while using public transport
  • 150% SI on permanent total disablement of the insured 
  • 100% SI on an injury caused to the insured due to engaging in adventure sports 
  • Up to 100% of the SI for burns, fractures, and broken bones 
  • Up to 75% SI for permanent partial disablement of the insured 
  • Up to Rs. 25,000 per week on temporary total disablement 
  • Coverage for the education expenses of the insured’s dependent children 
  • Payment of a lump-sum benefit for: 
  • Trauma counseling sessions
  • Lifestyle support 
  • Funeral and transport expenses
  • Reimbursement for: 
  • Physiotherapy expenses
  • Mobility support equipment 
  • In-patient hospitalization expenses 
  • Skill development course 

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

  • SI amount options up to Rs. 50,00,000
  • 100% SI on the death of the insured due to an accident 
  • 150% SI on permanent total disablement 
  • 150% SI for if the insured falls into a coma
  • Up to 75% SI on permanent partial disablement
  • Between 30%-100% SI for burns 
  • Up to 100% SI for broken bones 
  • Weekly cash benefits for temporary total disablement 
  • 13 additional benefits such as:
  • Child education benefit 
  • Life support benefit
  • Adventure sports benefit 
  • Loan protector benefit 
  • Adaptation allowance benefit 

Corona Kavach Policy:

The Corona Kavach Policy offers similar benefits across different insurance providers, including COCOCure Health Insurance and Future Generali Health Insurance. It gives: 

  • SI amount options up to Rs. 5,00,000
  • Coverage for:
  • Pre and post-hospitalization expenses 
  • In-patient hospitalization expenses 
  • Domiciliary hospitalization expenses 
  • AYUSH treatments
  • Comorbidity conditions 
  • Road ambulance charges 
  • Daily hospital cash benefits
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