Oneassure

Partner with us

Insurance Plans Comparison

Aditya Birla Activ Health Platinum Essential vs TATA AIG Medicare Plus

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

Read more
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
TATA AIG

Medicare Plus

Affordable super top-up health insurance with higher coverage, flexible deductibles and additional protection.

What Makes It Special:

Tata AIG Medicare Plus is a comprehensive health insurance plan that covers hospitalization, pre- and post-hospitalization, daycare procedures, and cashless treatment across a wide hospital network. With high sum insured options and useful add-ons, it ensures financial security and peace of mind for individuals and families against rising healthcare costs.

Best For:

  • Add-ons for extra protection

  • Covers daycare & hospitalization care

  • Easy cashless treatment nationwide

  • High coverage for you & your family

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

TATA AIG Medicare Plus

  • You want a family-friendly plan that ensures peace of mind

  • You want add-ons like global cover or critical illness protection

  • You want daycare, pre- and post-hospitalization expenses covered

  • You want cashless treatment at top hospitals nationwide

  • You want wide coverage with a high sum insured

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
Medicare Plus
Medicare Plus

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Activ Health Platinum Essential

Any room.

VS

Medicare Plus

No capping on room rent or ICU charges.

ICU Charges

Activ Health Platinum Essential

Covered

VS

Medicare Plus

No restriction on ICU room rent

Co-payment

Activ Health Platinum Essential

20% mandatory unless applicable waiver is selected.

VS

Medicare Plus

Not available

Disease-wise sublimits

Activ Health Platinum Essential

Applicable.

VS

Medicare Plus

No

Waiting Period

Activ Health Platinum Essential

Information Unavailable

VS

Medicare Plus

  1. Initial waiting period: 30 Days

     

  2. Specific Waiting Periods: 24 Months 

     

  3. Pre-Existing Diseases: 36 Months 
Cashless Healthcare Providers

Activ Health Platinum Essential

16,500 + current insurer network

VS

Medicare Plus

12046+ Healthcare Providers

Restoration Benefit

Activ Health Platinum Essential

Available as add-on.

VS

Medicare Plus

Not available

Cumulative Bonus

Activ Health Platinum Essential

10% per year, up to 100%

VS

Medicare Plus

Your sum insured increases by 50% for every claim-free year, upto 100%. If a claim is made during the policy year, the cumulative bonus is reduced by 50% in the next policy year

Daycare Treatment

Activ Health Platinum Essential

Covered.

VS

Medicare Plus

Cover expenses for listed Day Care Treatment due to disease/illness/Injury during the policy period taken at a hospital or a Day Care Centre. 

Consumable Cover

Activ Health Platinum Essential

Optional/subject to policy.

VS

Medicare Plus

Yes

AYUSH Treatment

Activ Health Platinum Essential

Covered.

VS

Medicare Plus

Covers treatments under Ayurveda, Unani, Siddha, and Homeopathy systems.

Initial Waiting Period

Activ Health Platinum Essential

30 days

VS

Medicare Plus

30 days

Specific Waiting Period

Activ Health Platinum Essential

24 months

VS

Medicare Plus

2 years

PED Waiting Period

Activ Health Platinum Essential

36 months

VS

Medicare Plus

3 years

Modern Treatment

Activ Health Platinum Essential

Covered.

VS

Medicare Plus

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Annual Health Checkup

Activ Health Platinum Essential

Once every policy year

VS

Medicare Plus

Health check-up is available once every policy year, from day 1 of the policy

Pre-Hospitalisation

Activ Health Platinum Essential

30 days

VS

Medicare Plus

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

Post-Hospitalisation

Activ Health Platinum Essential

60 days

VS

Medicare Plus

You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it

Outpatient Department Cover (OPD Expense)

Activ Health Platinum Essential

Not standard base limit

VS

Medicare Plus

OPD expense is not included

Deductible Option

Activ Health Platinum Essential

Subject to applicable optional benefit

VS

Medicare Plus

Available

Coverage Options

Activ Health Platinum Essential

Individual / Family Floater

VS

Medicare Plus

Available coverage options: ₹3L, ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L and ₹1 Cr

Claim Settlement Ratio

Activ Health Platinum Essential

97%

VS

Medicare Plus

95.43%

Maternity Cover

Activ Health Platinum Essential

Available as an add-on

VS

Medicare Plus

Not available

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

Zero Spam. Zero Hassle

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

Compare With Other Health Insurance Plans

Activ Health Platinum Essential vs Optima Secure

Activ Health Platinum Essential vs Optima Secure Plus

Activ Health Platinum Essential vs Cancer Cover Activ Cancer Secure Plan

Activ Health Platinum Essential vs Women Care

Activ Health Platinum Essential vs Activate Booster Plan A

Medicare Plus vs Optima Secure

Medicare Plus vs Optima Secure Plus

Medicare Plus vs Cancer Cover Activ Cancer Secure Plan

Medicare Plus vs Women Care

Medicare Plus vs Activate Booster Plan A

Oneassure

Health Insurance

Compare Health Insurance Plans

Activ Health Platinum Essential Vs Medicare Plus

Policy Pal

Chat with PolicyPal

Get a free policy review

No pressure. No product push. Just honest advice.