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Insurance Plans Comparison

Aditya Birla Activ Health Platinum Essential vs Care Ultimate (Direct)

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

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Aditya Birla

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

VS
Care

What Makes It Special:

Ultimate (Direct) 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

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

Aditya Birla Activ Health Platinum Essential

  • Customers wanting health assessment support

  • Buyers looking for wellness benefits

  • People with listed lifestyle conditions

  • Customers looking for an affordable comprehensive plan

Care Ultimate (Direct)

Not available

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Activ Health Platinum Essential
Activ Health Platinum Essential

Health Insurance Plan

Brochure

VS
Ultimate (Direct)
Ultimate (Direct)

Health Insurance Plan

Brochure

Room Rent

Activ Health Platinum Essential

Any room.

VS

Ultimate (Direct)

The cost of hospital room accommodation is covered under a health insurance policy, subject to specified limits.

No limit on room rent or ICU charges, allowing policyholders to choose any hospital room without financial constraints.

ICU Charges

Activ Health Platinum Essential

Covered

VS

Ultimate (Direct)

Information Unavailable

Advanced Treatments

Activ Health Platinum Essential

Information Unavailable

VS

Ultimate (Direct)

Modern medical procedures like robotic surgery or stem cell therapy, often covered under specialized insurance plans.

Covers modern procedures like robotic surgery, stem cell therapy, oral chemotherapy, and deep brain stimulation for critical illnesses.

Co-payment

Activ Health Platinum Essential

20% mandatory unless applicable waiver is selected.

VS

Ultimate (Direct)

A fixed percentage of the claim amount that the insured must pay out-of-pocket before the insurer covers the rest.

No mandatory co-payment for policyholders under 61; a 20% co-payment applies for those purchasing after turning 61.

Disease-wise sublimits

Activ Health Platinum Essential

Applicable.

VS

Ultimate (Direct)

Information Unavailable

Waiting Period

Activ Health Platinum Essential

Information Unavailable

VS

Ultimate (Direct)

The duration after policy issuance during which certain illnesses or conditions are not covered.

Coverage begins after 30 days for general illnesses, two years for specific conditions, and three years for pre-existing diseases.

Cashless Healthcare Providers

Activ Health Platinum Essential

16,500 + current insurer network

VS

Ultimate (Direct)

Hospitals and clinics within an insurer’s network where policyholders can receive treatment without upfront payments.

 

Access to over 24,800 network hospitals for cashless treatment, ensuring hassle-free hospitalization without upfront payments.

Restoration Benefit

Activ Health Platinum Essential

Available as add-on.

VS

Ultimate (Direct)

Information Unavailable

Cumulative Bonus

Activ Health Platinum Essential

10% per year, up to 100%

VS

Ultimate (Direct)

Information Unavailable

Daycare Treatment

Activ Health Platinum Essential

Covered.

VS

Ultimate (Direct)

Medical procedures requiring less than 24-hour hospitalization, such as cataract surgery or chemotherapy.

 

Covers treatments requiring hospitalization of less than 24 hours, such as cataract surgeries, chemotherapy, and other specialized procedures.

Consumable Cover

Activ Health Platinum Essential

Optional/subject to policy.

VS

Ultimate (Direct)

Information Unavailable

AYUSH Treatment

Activ Health Platinum Essential

Covered.

VS

Ultimate (Direct)

Information Unavailable

Initial Waiting Period

Activ Health Platinum Essential

30 days

VS

Ultimate (Direct)

Information Unavailable

Specific Waiting Period

Activ Health Platinum Essential

24 months

VS

Ultimate (Direct)

Information Unavailable

PED Waiting Period

Activ Health Platinum Essential

36 months

VS

Ultimate (Direct)

Information Unavailable

Modern Treatment

Activ Health Platinum Essential

Covered.

VS

Ultimate (Direct)

Information Unavailable

Annual Health Checkup

Activ Health Platinum Essential

Once every policy year

VS

Ultimate (Direct)

Information Unavailable

Pre-Hospitalisation

Activ Health Platinum Essential

30 days

VS

Ultimate (Direct)

Information Unavailable

Post-Hospitalisation

Activ Health Platinum Essential

60 days

VS

Ultimate (Direct)

Information Unavailable

Outpatient Department Cover (OPD Expense)

Activ Health Platinum Essential

Not standard base limit

VS

Ultimate (Direct)

Information Unavailable

Deductible Option

Activ Health Platinum Essential

Subject to applicable optional benefit

VS

Ultimate (Direct)

Information Unavailable

Coverage Options

Activ Health Platinum Essential

Individual / Family Floater

VS

Ultimate (Direct)

Information Unavailable

Claim Settlement Ratio

Activ Health Platinum Essential

97%

VS

Ultimate (Direct)

Information Unavailable

Maternity Cover

Activ Health Platinum Essential

Available as an add-on

VS

Ultimate (Direct)

Information Unavailable

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

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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

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