Future Generali Health Insurance vs Care (Religare) Health Insurance

A health crisis can affect your emotional and financial well-being. In such times, a positive attitude and a health insurance plan can do wonders. With the backing of the right policy, you can meet the costs of quality health care. Here’s a look at some of the policies offered by Future Generali Health Insurance and Care Health Insurancetwo leading health insurance providers, to help in your policy selection. 

Future Generali Health Insurance vs Care Health Insurance – Overview 

ParameterFuture Generali Health InsuranceCare Health Insurance
Number of health insurance plans1313
E-servicesPolicy sale
Policy renewal
Claim settlement
Branch locator 
Online consultation
24×7 customer help
Policy sale
Policy renewal
Claim settlement
Branch locator 
Online consultation
24×7 customer help
Branches125+146+
Incurred claim ratio73%55%
Claim settlement ratio87.68%93%
Hospital network5,100+7,800+

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

Health Insurance Policies: Future Generali Health Insurance vs. Care Health Insurance

Future Generali has thirteen health insurance policies for individual, family and senior-citizen needs. They cover critical illnesses, accidents, vector-borne diseases and COVID-19, among other eventualities.

Care Health Insurance has thirteen health insurance policies covering individual, family, and senior-citizen needs. They provide coverage for critical illnesses, accidents, maternity needs, and COVID-19, among others. 

This 3-plan comparison guide of Future Generali Health Insurance and Care Health Insurance helps you pick a plan offering you the best terms.

Arogya Sanjeevani Policy: 

Future Generali’s Arogya Sanjeevani Policy offers:

  • A sum insured (SI) amount up to Rs.5 lakhs 
  • Coverage for pre, post and in-patient hospitalization 
  • Inclusion of day care treatment and alternate (AYUSH) treatment 
  • 25% of SI for cataract treatment and 50% of SI for modern/ advanced treatment 
  • Emergency ambulance services (up to Rs.2,000 per hospitalization) 
  • Waiver of pre-policy medical test for individuals up to 55 years of age 
  • 50% reimbursement of pre-policy medical test charges 

Care Health Insurance’s Arogya Sanjeevani Policy offers:

  • A sum insured (SI) amount up to Rs.5 lakhs 
  • Coverage for pre, post and in-patient hospitalization 
  • Inclusion of alternate (AYUSH) treatment 
  • 25% of SI for cataract treatment costs and 50% of SI for modern/ advanced treatment  charges
  • Emergency ambulance services 
  • 5% cumulative bonus on a claim-free year 

Senior Citizen Insurance Policy:

Future Generali’s Senior Citizen Insurance Policy (Future VarishtaBima) offers:

  • Lifetime coverage for individuals aged 60 years and above 
  • A SI amount up to Rs.1 crore
  • Coverage for pre, post and in-patient hospitalization
  • Inclusion of day care treatments
  • Imbursement of road ambulance charges 
  • 50% settlement of pre-policy medical test charges
  • Family discount, long-term discounts and other discounts (subject to policy terms)

Care Health Insurance’s Senior Citizen Insurance Policy offers:

  • Lifetime coverage for individuals aged 61 years and above 
  • Up to Rs.10 lakhs SI amount
  • Coverage for pre, post and in-patient hospitalization and domiciliary hospitalization 
  • Inclusion of 541 day care treatments and alternate (AYUSH) treatment 
  • Imbursement for organ donor expenses, cataract treatment and 10+ modern treatments 
  • Waiver of pre-policy medical checkup 

Critical Illness Insurance Policy: 

Future Generali’s Critical Illness Insurance Policy offers:

  • Coverage for 12 critical illnesses like cancer, kidney failure, stroke, etc. 
  • SI amount between Rs.1 lakh – Rs.50 lakhs
  • Lump-sum payout of SI upon diagnosis of critical illness or necessity of any surgical procedure
  • Waiver of pre-policy medical test up to the age of 45 
  • 50% reimbursement of pre-policy medical test charges for ages 46 and above 

Care Health Insurance’s Critical Illness Insurance Policy offers:

  • Coverage for 32 critical illnesses like cancer, liver disease, paralysis, etc.
  • SI amount up to Rs.2 crore
  • Coverage for pre, post and in-patient hospitalization, OPD expenses 
  • Full coverage for day care treatment and up to 25% coverage of SI for alternate treatment 
  • Chemotherapy and radiotherapy covers
  • Dialysis cover
  • Organ donor cover
  • Road and air ambulance reimbursement
  • Recovery counselling services 

From the policies offered by Future Generali Health Insurance and Care Health Insurance, you can pick the one matching your needs best. 

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