Star Health Insurance vs Future Generali Health Insurance

Gone are the days when buying health insurance was a hassle. No long lines, hefty delays or vague turnarounds! With most of the processes shifted online, getting health insurance is now a matter of minutes. Now, you can visit the insurer of your choice, compare different policies, and select the one matching your needs. Comparing various policies is crucial here as it makes you aware of your needs and brings you closer to your ideal policy. Take, for instance, this comparison of Star Health Insurance and Future Generali Health Insurance and three of its most availed policies. At the end of it, you will be one step closer to finding the right health insurance policy. 

Star Health Insurance vs Future Generali Health Insurance – Overview 

Parameter Star Health Insurance Future Generali Health Insurance
No. of health insurance policies 11 13
E-services Policy salePolicy renewalClaim settlementBranch locator Online consultation24x7 customer help Policy salePolicy renewalClaim settlementOnline consultationBranch locator24x7 call assistance
Branches 600+ 125+
Claim settlement ratio 90% 95.28%
Cashless claim settlement time  Within 2 hours Within 1.5 hours
Hospital network 9,000+ 6,000+ 

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

Health Insurance Policies: Star Health Insurance vs Future Generali Health Insurance

Star Health Insurance offers over 10 health insurance policies. The company operates nationwide and maintains a steady claim settlement ratio since its establishment in 2006. It is also a regular recipient of prestigious awards and recognitions from reputed brands such as the Economic Times and Business Today. 

Future Generali Health Insurance offers 13 health insurance policies. Established in 2007, the company now operates on a global scale. It has over a century of experience in the insurance sector and is one of the few companies to feature among the Fortune 500. 

Critical Illness Policy: 

Star Health Insurance offers ‘Star Criticare’ – a policy that gives: 

  • Sum insured (SI) amounts up to Rs. 10,00,000 
  • Full payout of the SI in lump-sum on the diagnosis of a listed critical illness 
  • Protection against: 
  • 9 major critical illnesses including cancer, kidney failure, brain tumour, and more 
  • Coverage for: 
  • Pre and post-hospitalization expenses 
  • In-patient hospitalization expenses 
  • Daycare procedures 
  • Modern/advanced treatments 
  • Non-allopathic treatments – Ayurveda, Unani, Siddha, and Homeopathy 
  • Ambulance costs 

Future Generali Health Insurance offers ‘Future Criticare’ – a policy that gives: 

  • SI amounts up to Rs. 50,00,000
  • Full payout of the SI in lump-sum on the diagnosis of a listed critical illness 
  • Coverage for 12 major critical illnesses including: 
  • Cancer
  • Stroke
  • Hypertension
  • Liver failure 
  • Kidney failure 
  • Multiple sclerosis 

Affordable Insurance Policy: 

Star Health Insurance offers the Health Gain Policy that gives: 

  • SI amounts up to Rs. 5,00,000
  • Coverage for: 
  • Pre and post-hospitalization 
  • In-patient hospitalization 
  • Daycare procedures
  • Outpatient treatments
  • Modern/advanced treatments 
  • Cataract treatment 
  • Ambulance charges up to Rs. 1,500 per hospitalization

Future Generali Health Insurance offers the Future Arogya Bima Policy that gives:  

  • SI amounts up to Rs. 5,00,000
  • Coverage for: 
  • Pre and post-hospitalization 
  • In-patient hospitalization 
  • Daycare procedures
  • Outpatient treatments
  • Modern/advanced treatments 

Daily Hospital Cash Policy: 

 Star Health Insurance’s Daily Hospital Cash Policy gives: 

  • Daily cash benefits (DCB) between Rs. 1,000 and Rs. 5,000 for a maximum of 180 days 
  • 150% of the DCB amount for hospitalization of the insured due to an accident 
  • 200% of the DCB amount for hospitalization of the insured in the intensive care unit (ICU) 
  • Coverage for 10 daycare procedures 
  • A lump-sum benefit for the entire period of hospitalization 
  • Convalescence benefits for hospitalization beyond 5 days 
  • A childbirth benefit for a female insured

Future Generali Health Insurance’s Daily Hospital Cash Policy gives: 

  • DCB between Rs. 500 and Rs. 9,000 for a maximum of 180 days 
  • Twice the DCB amount for hospitalization of the insured in the ICU within his/her city of stay
  • Thrice the DCB amount for hospitalization of the insured in the ICU outside his/her city of stay
  • Convalescence benefits of Rs. 5,000 

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