Insurance Plans Comparison
Future Generali Health Super Saver Standard vs Aditya Birla Active Care Premier
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreWhat Makes It Special:
Future Generali Health Super Saver Standard offers robust hospitalization coverage while rewarding claim-free years with up to an 80% renewal premium discount. The policy provides extensive protection including inbuilt maternity benefits, home healthcare, AYUSH treatments, extended pre-and post-hospitalization coverage, day care procedures, and access to an extensive nationwide cashless hospital...
Best For:
Buyers seeking flexible sum insured options ranging from ₹3 Lakhs to ₹50 Lakhs.
Patients requiring home healthcare services for ongoing medical treatment or post-surgical care.
Buyers wanting comprehensive coverage for alternative therapies like Ayurveda, Unani, Siddha, and Homeopathy.
Policyholders seeking inbuilt maternity coverage for delivery, pre-natal, and post-natal care.
Families and individuals looking to save up to 80% on renewal premiums by remaining claim-free.
VS
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
Insurance Plans Comparison
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Quick Decision Guide
Future Generali Health Super Saver Standard
Ensure Future Generali’s 8,400+ cashless network hospitals include convenient facilities in your location.
Keep in mind the 24-month waiting period for pre-existing diseases and specified medical procedures.
Verify room rent and specific procedure sub-limits based on your selected base plan option.
Ideal if you require integrated maternity benefits after a 9-month waiting period.
Choose this plan if you want substantial long-term savings through an 80% discount on claim-free renewal years.
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
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Health Super Saver Standard Health Insurance Plan VS VS |
Active Care Premier Health Insurance Plan |
| Room Rent |
|---|
Health Super Saver Standard Room, board, and nursing expenses covered up to single private room eligibility limits. |
VS VS |
Active Care Premier Single Private Room. ICU charges covered up to the Sum Insured. |
| ICU Charges |
|---|
Health Super Saver Standard Fully covered as part of medically necessary hospitalisation with no specific daily capping. |
VS VS |
Active Care Premier Covered up to the Sum Insured. |
| Co-payment |
|---|
Health Super Saver Standard No mandatory co-payment percentage applied across entry age groups under base terms. |
VS VS |
Active Care Premier 20% co-payment applies on admissible claims. |
| Disease-wise sublimits |
|---|
Health Super Saver Standard Applicable sub-limits for maternity, cataract, mental illness, modern treatments, and optional procedures. |
VS VS |
Active Care Premier Certain treatments carry sub-limits — including domiciliary hospitalisationcapped at10% of Sum Insured,and organ donor expenses up to50% of Sum Insured. |
| Cashless Healthcare Providers |
|---|
Health Super Saver Standard Cashless facility accessible across Future Generali’s empanelled nationwide network hospital list. |
VS VS |
Active Care Premier Cashless treatment available at 11,000+ network hospitals across India. |
| Restoration Benefit |
|---|
Health Super Saver Standard Sum insured restore options are subject to base policy terms and plan variant selection. |
VS VS |
Active Care Premier 100% of the Sum Insured is restored for subsequent hospitalisations due to a different illnessin the same policy year. |
| Cumulative Bonus |
|---|
Health Super Saver Standard Replaced by Super Saver Discount offering an 80% renewal premium discount for claim-free tenures. |
VS VS |
Active Care Premier Earn 10% of Base Sum Insured per claim-free year, accumulating up to a maximum of 50%. |
| Daycare Treatment |
|---|
Health Super Saver Standard Over 400 specified medical and surgical procedures requiring less than 24 hours hospitalisation covered.dis |
VS VS |
Active Care Premier 586 daycare procedures covered, even when hospitalisationis less than24 hours. |
| Consumable Cover |
|---|
Health Super Saver Standard Non-medical consumable items specified in policy exclusions are not covered under base policy. |
VS VS |
Active Care Premier Covered in the base plan, including non-medical consumables used during hospitalisation. |
| AYUSH Treatment |
|---|
Health Super Saver Standard Inpatient hospitalisation covered under Ayurveda, Unani, Siddha, or Homeopathy in recognized government institutes. |
VS VS |
Active Care Premier Covered for listed AYUSH treatments, subject to policy terms. |
| Initial Waiting Period |
|---|
Health Super Saver Standard 30 days initial waiting period applies for all illnesses except accidental injuries. |
VS VS |
Active Care Premier 30 days from policy inception for general illnesses. Accidental hospitalisationis covered from day 1. |
| Specific Waiting Period |
|---|
Health Super Saver Standard 24 months for specified conditions; 48 months for joint replacements due to degenerative conditions. |
VS VS |
Active Care Premier 2 years for listed specific illnesses and procedures. |
| PED Waiting Period |
|---|
Health Super Saver Standard 24 months waiting period for pre-existing diseases and their direct medical complications. |
VS VS |
Active Care Premier 2 years for pre-existing diseases — a shorter-than-usual waiting period, helpful for seniors managing chronic conditions. |
| Modern Treatment |
|---|
Health Super Saver Standard Restricted to 50% of the Sum Insured per policy period for listed modern procedures. |
VS VS |
Active Care Premier Covered for listed modern treatment methods, subject to the policy's list of covered procedures. |
| Annual Health Checkup |
|---|
Health Super Saver Standard Available annually for insured members as per eligible benefit structure and plan options. |
VS VS |
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. |
| Pre-Hospitalisation |
|---|
Health Super Saver Standard Medical expenses covered up to 60 days immediately prior to hospital admission. |
VS VS |
Active Care Premier Pre-hospitalisation medical expenses covered for30 days prior to hospitalisation. |
| Post-Hospitalisation |
|---|
Health Super Saver Standard Medical expenses covered up to 90 days immediately following hospital discharge date. |
VS VS |
Active Care Premier Post-hospitalisation medical expenses covered for60 days following discharge. |
| Outpatient Department Cover (OPD Expense) |
|---|
Health Super Saver Standard Outpatient medical and diagnostic procedures are excluded under standard inpatient base coverage. |
VS VS |
Active Care Premier Not covered in the base plan. Tele-OPD e-consultationsare available as an add-on. |
| Deductible Option |
|---|
Health Super Saver Standard Voluntary deductible options are not part of the standard policy base structure. |
VS VS |
Active Care Premier Not a core feature of this variant — verify availability from the policy wordings. |
| Coverage Options |
|---|
Health Super Saver Standard Available under both Individual and Family Floater sum insured policy options. |
VS VS |
Active Care Premier Sum Insured options from ₹3 lakh up to ₹10 lakh, designed for senior citizens. |
| Claim Settlement Ratio |
|---|
Health Super Saver Standard Supported by Future Generali India Insurance's established claim processing performance track record. |
VS VS |
Active Care Premier Aditya Birla Health Insurance reports a 96% claim settlement ratio(3-year average. |
| Maternity Cover |
|---|
Health Super Saver Standard Covered after a 9-month waiting period, subject to sub-limits based on plan options. |
VS VS |
Active Care Premier Not available in this plan. |
Insurance Plans Comparison
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Insurance Plans Comparison
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