Insurance Plans Comparison
Aditya Birla Active Care Premier vs Aditya Birla Activ Health Platinum Essential
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
Activ Health Platinum Essential
Activ Health Platinum Essential
What Makes It Special:
Activ Health Platinum Essential combines hospitalization protection with wellness and chronic-care features, including Day 1 coverage for specified chronic conditions under the applicable product terms.
Best For:
Customers wanting health assessment support
Buyers looking for wellness benefits
People with listed lifestyle conditions
Customers looking for an affordable, comprehensive plan
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
Customers wanting health assessment support
Buyers looking for wellness benefits
People with listed lifestyle conditions
Customers looking for an affordable comprehensive plan
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Active Care Premier Health Insurance Plan VS VS |
Activ Health Platinum Essential Health Insurance Plan |
| Room Rent |
|---|
Active Care Premier Single Private Room. ICU charges covered up to the Sum Insured. |
VS VS |
Activ Health Platinum Essential Any room. |
| ICU Charges |
|---|
Active Care Premier Covered up to the Sum Insured. |
VS VS |
Activ Health Platinum Essential Covered |
| Co-payment |
|---|
Active Care Premier 20% co-payment applies on admissible claims. |
VS VS |
Activ Health Platinum Essential 20% mandatory unless applicable waiver 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 VS |
Activ Health Platinum Essential Applicable. |
| Cashless Healthcare Providers |
|---|
Active Care Premier Cashless treatment available at 11,000+ network hospitals across India. |
VS VS |
Activ Health Platinum Essential 16,500 + current insurer network |
| 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 |
Activ Health Platinum Essential Available as add-on. |
| Cumulative Bonus |
|---|
Active Care Premier Earn 10% of Base Sum Insured per claim-free year, accumulating up to a maximum of 50%. |
VS VS |
Activ Health Platinum Essential 10% per year, up to 100% |
| Daycare Treatment |
|---|
Active Care Premier 586 daycare procedures covered, even when hospitalisationis less than24 hours. |
VS VS |
Activ Health Platinum Essential Covered. |
| Consumable Cover |
|---|
Active Care Premier Covered in the base plan, including non-medical consumables used during hospitalisation. |
VS VS |
Activ Health Platinum Essential Optional/subject to policy. |
| AYUSH Treatment |
|---|
Active Care Premier Covered for listed AYUSH treatments, subject to policy terms. |
VS VS |
Activ Health Platinum Essential Covered. |
| Initial Waiting Period |
|---|
Active Care Premier 30 days from policy inception for general illnesses. Accidental hospitalisationis covered from day 1. |
VS VS |
Activ Health Platinum Essential 30 days |
| Specific Waiting Period |
|---|
Active Care Premier 2 years for listed specific illnesses and procedures. |
VS VS |
Activ Health Platinum Essential 24 months |
| 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 |
Activ Health Platinum Essential 36 months |
| Modern Treatment |
|---|
Active Care Premier Covered for listed modern treatment methods, subject to the policy's list of covered procedures. |
VS VS |
Activ Health Platinum Essential Covered. |
| 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 |
Activ Health Platinum Essential Once every policy year |
| Pre-Hospitalisation |
|---|
Active Care Premier Pre-hospitalisation medical expenses covered for30 days prior to hospitalisation. |
VS VS |
Activ Health Platinum Essential 30 days |
| Post-Hospitalisation |
|---|
Active Care Premier Post-hospitalisation medical expenses covered for60 days following discharge. |
VS VS |
Activ Health Platinum Essential 60 days |
| 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 |
Activ Health Platinum Essential Not standard base limit |
| Deductible Option |
|---|
Active Care Premier Not a core feature of this variant — verify availability from the policy wordings. |
VS VS |
Activ Health Platinum Essential Subject to applicable optional benefit |
| Coverage Options |
|---|
Active Care Premier Sum Insured options from ₹3 lakh up to ₹10 lakh, designed for senior citizens. |
VS VS |
Activ Health Platinum Essential Individual / Family Floater |
| Claim Settlement Ratio |
|---|
Active Care Premier Aditya Birla Health Insurance reports a 96% claim settlement ratio(3-year average. |
VS VS |
Activ Health Platinum Essential 97% |
| Maternity Cover |
|---|
Active Care Premier Not available in this plan. |
VS VS |
Activ Health Platinum Essential Available as an add-on |
Insurance Plans Comparison
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Why Choose Our Expert Consultation?
What Our Experts Help You With
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Insurance Plans Comparison
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Frequently Asked Questions (FAQs)
Having questions? We've got answers. Explore our FAQs to find the information you need.
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