Insurance Plans Comparison
Aditya Birla Active Care Premier vs HDFC ERGO myHealth Suraksha Platinum
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreActive 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
myHealth Suraksha Platinum
myHealth Suraksha Platinum
What Makes It Special:
myHealth Suraksha focuses on providing essential health coverage at an affordable premium. It's designed for budget-conscious individuals who want reliable coverage.
Best For:
- Not available
Insurance Plans Comparison
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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
Not available
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Active Care Premier Health Insurance Plan VS VS |
![]() myHealth Suraksha Platinum Health Insurance Plan |
| Room Rent |
|---|
Active Care Premier Single Private Room. ICU charges covered up to the Sum Insured. |
VS VS |
myHealth Suraksha Platinum Normal: Room Rent, Boarding & Nursing Charges Covered ICU: Intensive Care Unit Charges Covered |
| ICU Charges |
|---|
Active Care Premier Covered up to the Sum Insured. |
VS VS |
myHealth Suraksha Platinum Information Unavailable |
| Advanced Treatments |
|---|
Active Care Premier Information Unavailable |
VS VS |
myHealth Suraksha Platinum Home Healthcare Domiciliary Hospitalization Organ Donor Expenses Air Ambulance (Optional) Global Health Cover (Optional) Major Illness Hospitalization Cover (Optional) Mental Health Treatment |
| Co-payment |
|---|
Active Care Premier 20% co-payment applies on admissible claims. |
VS VS |
myHealth Suraksha Platinum No mandatory co-payment mentioned |
| 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 VS |
myHealth Suraksha Platinum Information Unavailable |
| Waiting Period |
|---|
Active Care Premier Information Unavailable |
VS VS |
myHealth Suraksha Platinum Initial Waiting Period: 30 Days Pre-existing Disease Waiting Period: 48 Months Specific Disease/Procedure Waiting Period: 24 Months |
| Cashless Healthcare Providers |
|---|
Active Care Premier Cashless treatment available at 11,000+ network hospitals across India. |
VS VS |
myHealth Suraksha Platinum Cashless treatment available through network healthcare providers |
| 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 VS |
myHealth Suraksha Platinum Information Unavailable |
| Cumulative Bonus |
|---|
Active Care Premier Earn 10% of Base Sum Insured per claim-free year, accumulating up to a maximum of 50%. |
VS VS |
myHealth Suraksha Platinum Information Unavailable |
| Daycare Treatment |
|---|
Active Care Premier 586 daycare procedures covered, even when hospitalisationis less than24 hours. |
VS VS |
myHealth Suraksha Platinum Covered |
| Consumable Cover |
|---|
Active Care Premier Covered in the base plan, including non-medical consumables used during hospitalisation. |
VS VS |
myHealth Suraksha Platinum Information Unavailable |
| AYUSH Treatment |
|---|
Active Care Premier Covered for listed AYUSH treatments, subject to policy terms. |
VS VS |
myHealth Suraksha Platinum Covered |
| Initial Waiting Period |
|---|
Active Care Premier 30 days from policy inception for general illnesses. Accidental hospitalisationis covered from day 1. |
VS VS |
myHealth Suraksha Platinum Information Unavailable |
| Specific Waiting Period |
|---|
Active Care Premier 2 years for listed specific illnesses and procedures. |
VS VS |
myHealth Suraksha Platinum Information Unavailable |
| 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 VS |
myHealth Suraksha Platinum Information Unavailable |
| Modern Treatment |
|---|
Active Care Premier Covered for listed modern treatment methods, subject to the policy's list of covered procedures. |
VS VS |
myHealth Suraksha Platinum Information Unavailable |
| 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 VS |
myHealth Suraksha Platinum Information Unavailable |
| Pre-Hospitalisation |
|---|
Active Care Premier Pre-hospitalisation medical expenses covered for30 days prior to hospitalisation. |
VS VS |
myHealth Suraksha Platinum Information Unavailable |
| Post-Hospitalisation |
|---|
Active Care Premier Post-hospitalisation medical expenses covered for60 days following discharge. |
VS VS |
myHealth Suraksha Platinum Information Unavailable |
| Outpatient Department Cover (OPD Expense) |
|---|
Active Care Premier Not covered in the base plan. Tele-OPD e-consultationsare available as an add-on. |
VS VS |
myHealth Suraksha Platinum Information Unavailable |
| Deductible Option |
|---|
Active Care Premier Not a core feature of this variant — verify availability from the policy wordings. |
VS VS |
myHealth Suraksha Platinum Information Unavailable |
| Coverage Options |
|---|
Active Care Premier Sum Insured options from ₹3 lakh up to ₹10 lakh, designed for senior citizens. |
VS VS |
myHealth Suraksha Platinum Information Unavailable |
| Claim Settlement Ratio |
|---|
Active Care Premier Aditya Birla Health Insurance reports a 96% claim settlement ratio(3-year average. |
VS VS |
myHealth Suraksha Platinum Information Unavailable |
| Maternity Cover |
|---|
Active Care Premier Not available in this plan. |
VS VS |
myHealth Suraksha Platinum Information Unavailable |
Insurance Plans Comparison
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Insurance Plans Comparison
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