Tata AIG Health Insurance vs Future Generali Health Insurance

A study carried out by GOQii found that four in ten Indians suffer from acute stress and one in four face constant fatigues and body aches. A lot is due to leading a sedentary lifestyle, whereas the rest is due to unhealthy living conditions such as the air quality, the pollution and traffic, the hectic work schedules, and the crowding in the urban areas. While diet and exercise can minimize the effects of these factors, it is better to have a backup with the help of health insurance in case something goes wrong. Read through this Tata AIG Health Insurance and Future Generali Health Insurance comparison guide to see how health insurance can help. 

Tata AIG Health Insurance vs Future Generali Health Insurance – Overview 

Parameter Tata AIG Health InsuranceFuture Generali Health Insurance
No. of health insurance policies14+13
E-servicesPolicy salePolicy renewalClaim settlement Branch locatorOnline consultation24x7 customer support Policy salePolicy renewalClaim settlementOnline consultationBranch locator24x7 call assistance
Branches90+125+
Claim settlement ratio96.43%95.28%
Cashless claim settlement time 4 hours1.5 hours
Hospital network5,800+ 6,000+ 

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

Health Insurance Policies: Tata AIG Health Insurance vs Future Generali Health Insurance

Going with either of the two insurers from Tata AIG Health Insurance and Future Generali Health Insurance is a good choice as both offer a wide range of health insurance policies, boast a high claim settlement ratio (above 95%), and have quick turnaround times for claim settlement. 

Family Floater Policy:

All of Tata AIG Health Insurance and Future Generali Health Insurance’s policies are available on a family floater basis. However, the two insurers offer some standout family-specific policies.

Tata AIG offers 4 family floater policies: 

  • Wellsurance Family Policy 
  • Wellsurance Executive Policy 
  • MediRaksha 
  • MediCare 

These policies provide:

  • Sum insured (SI) amount options up to Rs. 1,00,00,000
  • Coverage for: 
  • Pre and post-hospitalization 
  • In-patient hospitalization 
  • Domiciliary/home hospitalization 
  • 540+ daycare procedures 
  • Organ donor expenses 
  • Maternity and newborn baby needs 
  • Bariatric surgery for weight-loss 
  • Non-allopathic/AYUSH treatments 
  • Dental treatment needed due to an accident/injury 
  • Costs for: 
  • First-year vaccinations for a child for 1 year from his/her delivery date 
  • Vaccination for HPV, hepatitis B, typhoid, and rabies
  • Consumables and high-end diagnostic tests
  • Health check-up and second medical opinion  
  • A critical illness benefit, a personal accident benefit and an education benefit where 100% of the SI is paid to the nominee 

Future Generali offers 4 family floater policies: 

  • Future Health Suraksha 
  • Future Arogya Bima 
  • Health Super Saver 
  • Comprehensive Health Insurance 

These policies provide: 

  • SI amount options up to Rs. 1,00,00,000
  • Coverage for:
  • Pre and post-hospitalization 
  • In-patient hospitalization
  • Domiciliary/home hospitalization
  • 400+ daycare procedures 
  • AYUSH treatments 
  • Organ donor expenses 
  • Maternity and newborn baby expenses 
  • Mental healthcare 
  • HIV/AIDS treatment 
  • Child vaccination 
  • Dental treatment 
  • Post-hospital patient care  
  • 25% of the SI for accidental hospitalization 
  • Expenses for ambulance services up to Rs. 2,000 per hospitalization
  • 100% restoration of the SI 

Senior Citizen Policy:

Tata AIG’s Senior Citizen Policy – ‘MediSenior’ offers: 

  • Coverage for: 
  • Senior citizens above 61 years of age 
  • Pre and post-hospitalization 
  • In-patient hospitalization
  • Domiciliary/home hospitalization
  • 140 daycare procedures
  • Organ donor expenses
  • Ambulance charges up to Rs. 2,000 per hospitalization

Future Generali’s Senior Citizen Policy – ‘Future Varishta Bima’ provides: 

  • SI amount options up to Rs. 10,00,000
  • Coverage for:
  • Senior citizens above 60 years of age 
  • Pre and post-hospitalization 
  • In-patient hospitalization
  • Domiciliary/home hospitalization
  • Daycare procedures
  • 12 modern treatments 
  • Organ donor expenses
  • Road ambulance charges up to Rs. 1,000 per hospitalization 

Arogya Sanjeevani Policy: 

The Arogya Sanjeevani Policy is an affordable health insurance policy sharing standard features across insurers including Tata AIG Health Insurance and Future Generali Health Insurance. 

The features include: 

  • SI amount options up to Rs. 5,00,000
  • Coverage for: 
  • Pre and post-hospitalization 
  • In-patient hospitalization
  • Domiciliary/home hospitalization
  • Daycare procedures
  • Modern treatments 
  • Daily hospital cash benefits 
  • Road ambulance charges up to Rs. 2,000 per hospitalization
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