Insurance Plans Comparison
Aditya Birla Active Care Premier vs Niva Bupa Reassure 3.0 Elite
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
Reassure 3.0 Elite
Reassure 3.0 Elite
What Makes It Special:
Reassure 3.0 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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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 |
Reassure 3.0 Elite Health Insurance Plan |
| Room Rent |
|---|
Active Care Premier Single Private Room. ICU charges covered up to the Sum Insured. |
VS VS |
Reassure 3.0 Elite Covers all rooms except Deluxe/Suite at no co-payment; 20% co-payment for Deluxe/Suite. |
| ICU Charges |
|---|
Active Care Premier Covered up to the Sum Insured. |
VS VS |
Reassure 3.0 Elite Covered as part of hospitalisation expenses up to SI. |
| Co-payment |
|---|
Active Care Premier 20% co-payment applies on admissible claims. |
VS VS |
Reassure 3.0 Elite Optional: 0%, 20%, 30%, 40%, 50% available. |
| 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 |
Reassure 3.0 Elite No disease-wise sub-limits; no ₹1L cap on modern treatments. |
| Cashless Healthcare Providers |
|---|
Active Care Premier Cashless treatment available at 11,000+ network hospitals across India. |
VS VS |
Reassure 3.0 Elite Niva Bupa network hospitals subject to authorisation. |
| 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 |
Reassure 3.0 Elite ReAssure Forever: Base SI restored after first claim, unlimited times. |
| Cumulative Bonus |
|---|
Active Care Premier Earn 10% of Base Sum Insured per claim-free year, accumulating up to a maximum of 50%. |
VS VS |
Reassure 3.0 Elite Booster+ add on: Accumulates up to 10X base SI carried forward annually. |
| Daycare Treatment |
|---|
Active Care Premier 586 daycare procedures covered, even when hospitalisationis less than24 hours. |
VS VS |
Reassure 3.0 Elite Covered for ≥2 hours hospitalisations per policy terms |
| Consumable Cover |
|---|
Active Care Premier Covered in the base plan, including non-medical consumables used during hospitalisation. |
VS VS |
Reassure 3.0 Elite Claim Safeguard+ available as optional (add-on) benefit for non-payable items. |
| AYUSH Treatment |
|---|
Active Care Premier Covered for listed AYUSH treatments, subject to policy terms. |
VS VS |
Reassure 3.0 Elite Covered for ≥24 hours AYUSH hospitalisation up to SI. |
| Initial Waiting Period |
|---|
Active Care Premier 30 days from policy inception for general illnesses. Accidental hospitalisationis covered from day 1. |
VS VS |
Reassure 3.0 Elite 30 days (except accidents). |
| Specific Waiting Period |
|---|
Active Care Premier 2 years for listed specific illnesses and procedures. |
VS VS |
Reassure 3.0 Elite 24 months standard with modifiable options. |
| 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 |
Reassure 3.0 Elite 36 months standard with reduction option available. |
| Modern Treatment |
|---|
Active Care Premier Covered for listed modern treatment methods, subject to the policy's list of covered procedures. |
VS VS |
Reassure 3.0 Elite Modern treatments covered up to sum insured (no capping like Classic/Select). |
| 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 |
Reassure 3.0 Elite Available from Day 1 on cashless basis; Elite has broader defined package. |
| Pre-Hospitalisation |
|---|
Active Care Premier Pre-hospitalisation medical expenses covered for30 days prior to hospitalisation. |
VS VS |
Reassure 3.0 Elite Up to 60 days before hospitalisation when related to approved claim. |
| Post-Hospitalisation |
|---|
Active Care Premier Post-hospitalisation medical expenses covered for60 days following discharge. |
VS VS |
Reassure 3.0 Elite Covered for 180 days after discharge for eligible expenses. |
| 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 |
Reassure 3.0 Elite Not in base; Wellconsult+ available with wellness benefits. |
| Deductible Option |
|---|
Active Care Premier Not a core feature of this variant — verify availability from the policy wordings. |
VS VS |
Reassure 3.0 Elite Annual Aggregate Deductible available as optional feature |
| Coverage Options |
|---|
Active Care Premier Sum Insured options from ₹3 lakh up to ₹10 lakh, designed for senior citizens. |
VS VS |
Reassure 3.0 Elite ₹5L, ₹10L, Unlimited SI. |
| Claim Settlement Ratio |
|---|
Active Care Premier Aditya Birla Health Insurance reports a 96% claim settlement ratio(3-year average. |
VS VS |
Reassure 3.0 Elite Not stated for ReAssure 3.0 Elite variant. |
| Maternity Cover |
|---|
Active Care Premier Not available in this plan. |
VS VS |
Reassure 3.0 Elite Not in standard Elite base benefit. |
Insurance Plans Comparison
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