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Insurance Plans Comparison

Aditya Birla Activ Health Platinum Essential vs ManipalCigna ProHealth Accumulate

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

Cover type 1 and type 2 diabetes, asthma, high blood pressure and high cholesterol from day one, earn up to 50% of premium as HealthReturns, and add 10% each claim-free year, up to 100% or ₹50 lakh, whichever is lower.

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
ManipalCigna

ProHealth Accumulate

Carry forward a health maintenance benefit for outpatient and inpatient care, add 5% to any unused balance, and put up to half of it toward renewal premium, plus a guaranteed 5% cumulative bonus up to 200%.

What Makes It Special:

ProHealth 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

ManipalCigna ProHealth Accumulate

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
ProHealth Accumulate
ProHealth Accumulate

Health Insurance Plan

Policy Wording

Room Rent

Activ Health Platinum Essential

Any room.

VS

ProHealth Accumulate

Normal: Single Private AC Room

ICU: Up to Sum Insured

ICU Charges

Activ Health Platinum Essential

Covered

VS

ProHealth Accumulate

Information Unavailable

Advanced Treatments

Activ Health Platinum Essential

Information Unavailable

VS

ProHealth Accumulate

Sum Insured below ₹5 Lakh: Covered up to 50% of Sum Insured

Sum Insured ₹5 Lakh and above: Covered up to Sum Insured

Co-payment

Activ Health Platinum Essential

20% mandatory unless applicable waiver is selected.

VS

ProHealth Accumulate

Not mentioned

Disease-wise sublimits

Activ Health Platinum Essential

Applicable.

VS

ProHealth Accumulate

Information Unavailable

Waiting Period

Activ Health Platinum Essential

Information Unavailable

VS

ProHealth Accumulate

Initial Waiting Period: 30 Days

Pre-existing Disease Waiting Period:

Sum Insured up to ₹5 Lakh: 36 Months

Sum Insured ₹7.5 Lakh and above: 24 Months

Specific Disease/Procedure Waiting Period: 24 Months

Bariatric Surgery Waiting Period: 36 Months

Maternity & Infertility Waiting Period: 36 Months

Cashless Healthcare Providers

Activ Health Platinum Essential

16,500 + current insurer network

VS

ProHealth Accumulate

Not mentioned

Restoration Benefit

Activ Health Platinum Essential

Available as add-on.

VS

ProHealth Accumulate

Information Unavailable

Cumulative Bonus

Activ Health Platinum Essential

10% per year, up to 100%

VS

ProHealth Accumulate

Information Unavailable

Daycare Treatment

Activ Health Platinum Essential

Covered.

VS

ProHealth Accumulate

Covered up to Sum Insured

Consumable Cover

Activ Health Platinum Essential

Optional/subject to policy.

VS

ProHealth Accumulate

Information Unavailable

AYUSH Treatment

Activ Health Platinum Essential

Covered.

VS

ProHealth Accumulate

Covered up to Sum Insured

Initial Waiting Period

Activ Health Platinum Essential

30 days

VS

ProHealth Accumulate

Information Unavailable

Specific Waiting Period

Activ Health Platinum Essential

24 months

VS

ProHealth Accumulate

Information Unavailable

PED Waiting Period

Activ Health Platinum Essential

36 months

VS

ProHealth Accumulate

Information Unavailable

Modern Treatment

Activ Health Platinum Essential

Covered.

VS

ProHealth Accumulate

Information Unavailable

Annual Health Checkup

Activ Health Platinum Essential

Once every policy year

VS

ProHealth Accumulate

Information Unavailable

Pre-Hospitalisation

Activ Health Platinum Essential

30 days

VS

ProHealth Accumulate

Information Unavailable

Post-Hospitalisation

Activ Health Platinum Essential

60 days

VS

ProHealth Accumulate

Information Unavailable

Outpatient Department Cover (OPD Expense)

Activ Health Platinum Essential

Not standard base limit

VS

ProHealth Accumulate

Information Unavailable

Deductible Option

Activ Health Platinum Essential

Subject to applicable optional benefit

VS

ProHealth Accumulate

Information Unavailable

Coverage Options

Activ Health Platinum Essential

Individual / Family Floater

VS

ProHealth Accumulate

Information Unavailable

Claim Settlement Ratio

Activ Health Platinum Essential

97%

VS

ProHealth Accumulate

Information Unavailable

Maternity Cover

Activ Health Platinum Essential

Available as an add-on

VS

ProHealth Accumulate

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?

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From choosing the right policy to managing claims, every step is handled for you

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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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