Partner with us

Insurance Plans Comparison

Aditya Birla Active Care Premier vs Care Supreme Shine

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

Read more
Aditya Birla

Active Care Premier

Aditya Birla Activ Care Premiere

What Makes It Special:

Activ Care Premier is a senior citizen-focused health plan from Aditya Birla that upgrades classic senior cover with a Single Private Room, consumables coverage,and home care support, all with a shorter 2-year PED waiting period.

Best For:

  • Those looking for wellness-linked premium rewards

  • Buyers who prefer treatment at home through home care and domiciliary options

  • Those wanting a private room during hospitalisation

  • People managing chronic conditions like diabetes or hypertension

  • Senior citizens aged 46 to75 years

VS
Care

Supreme Shine

Comprehensive health insurance with unlimited recharge, wellness benefits and broad hospitalisation cover.

What Makes It Special:

Care Supreme Shine is a comprehensive health insurance plan covering hospitalisation, modern treatments, AYUSH care, domiciliary treatment, ambulance services, e-consultations, wellness benefits and unlimited automatic recharge.

Best For:

  • People who want unlimited e-consultations with general physicians

  • Customers wanting AYUSH and domiciliary treatment cover

  • People looking for wellness-linked renewal discounts

  • Customers wanting unlimited automatic recharge

  • Families looking for comprehensive health coverage

Insurance Plans Comparison

Get Personalized Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Quick Decision Guide

  • Check the 20% co-payment and disease-wise sub-limits carefully before purchase

  • May not suit buyers wanting in-built OPD coverage

  • Suitable for buyers who value home nursing and domiciliary care options

  • Useful for people who want consumables coverage in the base plan

  • Good option if you're a senior wanting private-room comfort with a 2-year PED waiting period

  • Check the waiting periods and optional benefits before buying the plan.

  • Wellness benefits can provide up to 30% renewal discount.

  • Unlimited e-consultations with general physicians are included.

  • The plan covers modern treatments, AYUSH treatment and domiciliary hospitalisation.

  • Consider this plan if you want unlimited automatic recharge during the policy year.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Active Care Premier
Active Care Premier

Health Insurance Plan

VS
Supreme Shine
Supreme Shine

Health Insurance Plan

Room Rent

Active Care Premier

Single Private Room. ICU charges covered up to the Sum Insured.

VS

Supreme Shine

Single room covered up to the available Sum Insured

ICU Charges

Active Care Premier

Covered up to the Sum Insured.

VS

Supreme Shine

Covered up to Sum Insured

Co-payment

Active Care Premier

20% co-payment applies on admissible claims.

VS

Supreme Shine

20% co-payment applies when the optional co-payment benefit is selected

Disease-wise sublimits

Active Care Premier

Certain treatments carry sub-limits — including domiciliary hospitalisationcapped at10% of Sum Insured,and organ donor expenses up to50% of Sum Insured.

VS

Supreme Shine

Specific disease-wise sub-limits are not mentioned in the available plan details

Cashless Healthcare Providers

Active Care Premier

Cashless treatment available at 11,000+ network hospitals across India.

VS

Supreme Shine

Cashless treatment available through the insurer's network hospitals

Restoration Benefit

Active Care Premier

100% of the Sum Insured is restored for subsequent hospitalisations due to a different illnessin the same policy year.

VS

Supreme Shine

Unlimited automatic recharge restores the base Sum Insured during the policy year

Cumulative Bonus

Active Care Premier

Earn 10% of Base Sum Insured per claim-free year, accumulating up to a maximum of 50%.

VS

Supreme Shine

Cumulative Bonus up to 100% of Sum Insured

Daycare Treatment

Active Care Premier

586 daycare procedures covered, even when hospitalisationis less than24 hours.

VS

Supreme Shine

All eligible daycare procedures are covered under the plan

Consumable Cover

Active Care Premier

Covered in the base plan, including non-medical consumables used during hospitalisation.

VS

Supreme Shine

Consumables covered through optional Care Shield add-on

AYUSH Treatment

Active Care Premier

Covered for listed AYUSH treatments, subject to policy terms.

VS

Supreme Shine

Eligible AYUSH treatment expenses covered up to the available Sum Insured

Initial Waiting Period

Active Care Premier

30 days from policy inception for general illnesses. Accidental hospitalisationis covered from day 1.

VS

Supreme Shine

30-day waiting period, except for accident-related claims

Specific Waiting Period

Active Care Premier

2 years for listed specific illnesses and procedures.

VS

Supreme Shine

24-month waiting period for specified ailments and procedures

PED Waiting Period

Active Care Premier

2 years for pre-existing diseases — a shorter-than-usual waiting period, helpful for seniors managing chronic conditions.

VS

Supreme Shine

36-month waiting period for pre-existing diseases, subject to policy terms

Modern Treatment

Active Care Premier

Covered for listed modern treatment methods, subject to the policy's list of covered procedures.

VS

Supreme Shine

Covered up to Sum Insured


Annual Health Checkup

Active Care Premier

Available as an add-on — the Advanced Health Check-up covers additional tests like mammography, PAP smear, thyroid function test, TMT, chest X-ray,and abdominal sonography on a cashless basis.

VS

Supreme Shine

Annual health check-up available through the insurer's network on a cashless basis

Pre-Hospitalisation

Active Care Premier

Pre-hospitalisation medical expenses covered for30 days prior to hospitalisation.

VS

Supreme Shine

Pre-hospitalisation expenses covered for up to 60 days before hospitalisation

Post-Hospitalisation

Active Care Premier

Post-hospitalisation medical expenses covered for60 days following discharge.

VS

Supreme Shine

Post-hospitalisation expenses covered for up to 180 days after discharge

Outpatient Department Cover (OPD Expense)

Active Care Premier

Not covered in the base plan. Tele-OPD e-consultationsare available as an add-on.

VS

Supreme Shine

Unlimited e-consultations included, with physical OPD available through optional rider

Deductible Option

Active Care Premier

Not a core feature of this variant — verify availability from the policy wordings.

VS

Supreme Shine

Optional deductible benefit available, subject to the policy schedule and applicable terms

Coverage Options

Active Care Premier

Sum Insured options from ₹3 lakh up to ₹10 lakh, designed for senior citizens.

VS

Supreme Shine

Sum Insured options from ₹5 lakh to ₹1 crore, including higher coverage choices

Claim Settlement Ratio

Active Care Premier

Aditya Birla Health Insurance reports a 96% claim settlement ratio(3-year average.

VS

Supreme Shine

Claim Settlement Ratio is not mentioned in the available plan details

Maternity Cover

Active Care Premier

Not available in this plan.

VS

Supreme Shine

Maternity expenses are not listed as a base plan benefit

Insurance Plans Comparison

Still Confused? Get Expert Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Why Choose Our Expert Consultation?

End-to-End Support

End-to-End Support

From choosing the right policy to managing claims, every step is handled for you

Zero Spam. Zero Hassle

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

Talk to experienced advisors at no cost, and make confident decisions

24/7 Claim Assistance

24/7 Claim Assistance

Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

What Our Experts Help You With

Personalised Recommendations

  • Every suggestion is backed by expert analysis of your life stage, goals, and budget

Expert-Led Policy Review

  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

Smart, Tech-Enabled Experience

  • From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free

Insurance Plans Comparison

Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

Family Health Plan

Family Health Plan

  • One policy covers the entire family

  • High sum insured with cashless care

  • Multiple coverage options based on your family needs

Maternity Health Plan

Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

Having questions? We've got answers. Explore our FAQs to find the information you need.

1-5 of 10 FAQs

Compare With Other Health Insurance Plans

Policy Pal

Chat with PolicyPal

Get a free policy review

No pressure. No product push. Just honest advice.