Insurance Plans Comparison
Aditya Birla Activ Health Platinum Essential vs TATA AIG Medicare Select
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
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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
Medicare Select
Comprehensive Health Insurance with Flexible Coverage Options, Unlimited Restoration and Customisable Benefits
What Makes It Special:
TATA AIG MediCare Select is a customisable health insurance plan offering individual and family floater coverage. It combines core hospitalisation benefits with optional features that allow policyholders to adjust their cover to their needs and budget.
Best For:
Flexible sum insured options
Critical illness and daycare treatments
Pre- and post-hospitalization expenses covered
Comprehensive individual and family coverage
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
Customers wanting health assessment support
Buyers looking for wellness benefits
People with listed lifestyle conditions
Customers looking for an affordable comprehensive plan
Covers daycare treatments without overnight stay.
Pre- and post-hospitalization expenses included.
Safeguards against critical illness and emergencies.
Comprehensive coverage for hospitalization and treatment.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Activ Health Platinum Essential Health Insurance Plan VS VS |
Medicare Select Health Insurance Plan |
| Room Rent |
|---|
Activ Health Platinum Essential Any room. |
VS VS |
Medicare Select Single private AC room is included as part of base cover. However, you can opt for add-on to downgrade the room category |
| ICU Charges |
|---|
Activ Health Platinum Essential Covered |
VS VS |
Medicare Select No restriction on ICU room rent |
| Co-payment |
|---|
Activ Health Platinum Essential 20% mandatory unless applicable waiver is selected. |
VS VS |
Medicare Select Not available |
| Disease-wise sublimits |
|---|
Activ Health Platinum Essential Applicable. |
VS VS |
Medicare Select No |
| Cashless Healthcare Providers |
|---|
Activ Health Platinum Essential 16,500 + current insurer network |
VS VS |
Medicare Select 12,000+ Healthcare Providers |
| Restoration Benefit |
|---|
Activ Health Platinum Essential Available as add-on. |
VS VS |
Medicare Select es, your sum insured restores to 100% unlimited times after your first claim, for both related and unrelated illnesses |
| Cumulative Bonus |
|---|
Activ Health Platinum Essential 10% per year, up to 100% |
VS VS |
Medicare Select 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 VS |
Medicare Select 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 VS |
Medicare Select No. However, available as an add-on |
| AYUSH Treatment |
|---|
Activ Health Platinum Essential Covered. |
VS VS |
Medicare Select Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Initial Waiting Period |
|---|
Activ Health Platinum Essential 30 days |
VS VS |
Medicare Select 30 days |
| Specific Waiting Period |
|---|
Activ Health Platinum Essential 24 months |
VS VS |
Medicare Select 2 years |
| PED Waiting Period |
|---|
Activ Health Platinum Essential 36 months |
VS VS |
Medicare Select 3 years |
| Modern Treatment |
|---|
Activ Health Platinum Essential Covered. |
VS VS |
Medicare Select 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 VS |
Medicare Select Health checkup is not included as part of base cover. However, available as an add-on |
| Pre-Hospitalisation |
|---|
Activ Health Platinum Essential 30 days |
VS VS |
Medicare Select You get cover for medical tests and doctor visits up to 90 days before hospitalisation, if your main claim is approved |
| Post-Hospitalisation |
|---|
Activ Health Platinum Essential 60 days |
VS VS |
Medicare Select 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 VS |
Medicare Select OPD expense is not included as part of base cover. However, available as an add-on |
| Deductible Option |
|---|
Activ Health Platinum Essential Subject to applicable optional benefit |
VS VS |
Medicare Select Available as an option |
| Coverage Options |
|---|
Activ Health Platinum Essential Individual / Family Floater |
VS VS |
Medicare Select Available coverage options: ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr, ₹2 Cr, ₹3 Cr |
| Claim Settlement Ratio |
|---|
Activ Health Platinum Essential 97% |
VS VS |
Medicare Select 95.43% |
| Maternity Cover |
|---|
Activ Health Platinum Essential Available as an add-on |
VS VS |
Medicare Select 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
From choosing the right policy to managing claims, every step is handled for you
Zero Spam. Zero Hassle
Pure advice, no unwanted calls, no unnecessary push
Free Expert Consultation
Talk to experienced advisors at no cost, and make confident decisions
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
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Insurance Plans Comparison
Frequently Asked Questions (FAQs)
Having questions? We've got answers. Explore our FAQs to find the information you need.
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