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Insurance Plans Comparison

Aditya Birla Activ Health Platinum Essential vs TATA AIG Medicare Premier

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
TATA AIG

Medicare Premier

Comprehensive health insurance with enhanced coverage, wellness benefits and global protection.

What Makes It Special:

Tata AIG Medicare Premier is a comprehensive health insurance plan designed to offer wide-ranging protection for individuals and families. It features high sum insured options, global cover for inpatient treatments, maternity benefits, and coverage for organ donor expenses. The plan also includes a restoration benefit, annual health check-ups, and no-claim...

Best For:

  • Comprehensive Health Coverage

  • Global Inpatient Treatment

  • High Sum Insured Options

  • Family Floater 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

TATA AIG Medicare Premier

  • Worldwide inpatient treatment coverage

  • Sum insured up to ₹3 crores

  • Access to 12,000+ healthcare providers

  • Maternity cover after 4 years

  • 100% sum insured restoration

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 Premier
Medicare Premier

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Activ Health Platinum Essential

Any room.

VS

Medicare Premier

All room categories are covered

ICU Charges

Activ Health Platinum Essential

Covered

VS

Medicare Premier

No restriction on ICU room rent

Co-payment

Activ Health Platinum Essential

20% mandatory unless applicable waiver is selected.

VS

Medicare Premier

Not available

Disease-wise sublimits

Activ Health Platinum Essential

Applicable.

VS

Medicare Premier

No

Cashless Healthcare Providers

Activ Health Platinum Essential

16,500 + current insurer network

VS

Medicare Premier

12,000+ Healthcare Providers

Restoration Benefit

Activ Health Platinum Essential

Available as add-on.

VS

Medicare Premier

Yes, your sum insured restores to 100% each time you make a claim, restoration occurs 45 days after the previous claim, for both related and unrelated illnesses

Cumulative Bonus

Activ Health Platinum Essential

10% per year, up to 100%

VS

Medicare Premier

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 Premier

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

Consumable Cover

Activ Health Platinum Essential

Optional/subject to policy.

VS

Medicare Premier

Yes

AYUSH Treatment

Activ Health Platinum Essential

Covered.

VS

Medicare Premier

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

Initial Waiting Period

Activ Health Platinum Essential

30 days

VS

Medicare Premier

30 days

Specific Waiting Period

Activ Health Platinum Essential

24 months

VS

Medicare Premier

2 years

PED Waiting Period

Activ Health Platinum Essential

36 months

VS

Medicare Premier

3 years

Modern Treatment

Activ Health Platinum Essential

Covered.

VS

Medicare Premier

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 Premier

Health check-up is available from the first policy year

Pre-Hospitalisation

Activ Health Platinum Essential

30 days

VS

Medicare Premier

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 Premier

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 Premier

OPD expense is included

Deductible Option

Activ Health Platinum Essential

Subject to applicable optional benefit

VS

Medicare Premier

Available as an option

Coverage Options

Activ Health Platinum Essential

Individual / Family Floater

VS

Medicare Premier

Available coverage options: ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr, ₹2 Cr, ₹3 Cr

Claim Settlement Ratio

Activ Health Platinum Essential

97%

VS

Medicare Premier

95.43%

Maternity Cover

Activ Health Platinum Essential

Available as an add-on

VS

Medicare Premier

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

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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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