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Insurance Plans Comparison

Aditya Birla Activ Health Platinum Essential vs TATA AIG Medicare Senior

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 Senior

Medicare Senior

What Makes It Special:

Comprehensive health insurance coverage with hospitalization, day care, pre and post-hospitalization, AYUSH, restoration and additional health benefits.

Best For:

  • Customers looking for additional protection through benefits such as global cover, consumables and second medical opinion

  • Individuals seeking additional benefits such as restoration, Cumulative Bonus and preventive health check-ups

  • Customers looking for AYUSH treatment and domiciliary hospitalization coverage

  • Individuals seeking inpatient and Day Care Treatment coverage

  • Senior citizens looking for comprehensive health insurance 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

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 Senior

  • Consider Before Buying: Choosing a room category higher than the eligible category mentioned in the policy schedule results in the policyholder bearing 10% of the admissible claim amount.

  • Consider Before Buying: A 36-month waiting period applies to pre-existing diseases and a 24-month waiting period applies to specified diseases and procedures, subject to the policy terms.

  • Reasons to Consider: A 50% Cumulative Bonus is added after every claim-free policy year, up to a maximum of 100% of the Sum Insured.

  • Reasons to Consider: The policy provides automatic restoration of the Basic Sum Insured once during the policy period, subject to applicable conditions.

  • Reasons to Consider: The policy covers inpatient treatment, Day Care Treatment, pre and post-hospitalization expenses, AYUSH treatment and domiciliary hospitalization.

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 Senior
Medicare Senior

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Activ Health Platinum Essential

Any room.

VS

Medicare Senior

Covered according to the room category specified in the Policy Schedule.

ICU Charges

Activ Health Platinum Essential

Covered

VS

Medicare Senior

Covered as part of eligible inpatient hospitalisation expenses, subject to the Sum Insured and policy terms.

Co-payment

Activ Health Platinum Essential

20% mandatory unless applicable waiver is selected.

VS

Medicare Senior

10% of the admissible claim amount applies when the insured chooses a room category higher than the eligible room category.

Disease-wise sublimits

Activ Health Platinum Essential

Applicable.

VS

Medicare Senior

Applicable limits may apply to specific benefits and treatments as specified in the policy.

Cashless Healthcare Providers

Activ Health Platinum Essential

16,500 + current insurer network

VS

Medicare Senior

Cashless treatment available at network providers, subject to pre-authorisation and applicable policy conditions.

Restoration Benefit

Activ Health Platinum Essential

Available as add-on.

VS

Medicare Senior

Basic Sum Insured is automatically restored once during the policy period after exhaustion of the Sum Insured and accrued Cumulative Bonus, subject to applicable conditions.

Cumulative Bonus

Activ Health Platinum Essential

10% per year, up to 100%

VS

Medicare Senior

50% of Sum Insured for every claim-free year, up to a maximum of 100% of Sum Insured.

Daycare Treatment

Activ Health Platinum Essential

Covered.

VS

Medicare Senior

Listed Day Care Procedures are covered as specified under the policy.

Consumable Cover

Activ Health Platinum Essential

Optional/subject to policy.

VS

Medicare Senior

Covered for specified consumables as per the policy terms.

AYUSH Treatment

Activ Health Platinum Essential

Covered.

VS

Medicare Senior

Covered for eligible inpatient treatment in an AYUSH Hospital.

Initial Waiting Period

Activ Health Platinum Essential

30 days

VS

Medicare Senior

30 days, except for claims arising from accidents

Specific Waiting Period

Activ Health Platinum Essential

24 months

VS

Medicare Senior

24 months for specified diseases and procedures, subject to applicable policy terms.

PED Waiting Period

Activ Health Platinum Essential

36 months

VS

Medicare Senior

36 months of continuous coverage.

Modern Treatment

Activ Health Platinum Essential

Covered.

VS

Medicare Senior

Covered as per applicable policy terms and conditions.

Annual Health Checkup

Activ Health Platinum Essential

Once every policy year

VS

Medicare Senior

Available once after every two continuous claim-free policy years, subject to the applicable limit and policy conditions.

Pre-Hospitalisation

Activ Health Platinum Essential

30 days

VS

Medicare Senior

Covered for up to 60 days before hospitalisation.

Post-Hospitalisation

Activ Health Platinum Essential

60 days

VS

Medicare Senior

Covered for up to 90 days after discharge.

Outpatient Department Cover (OPD Expense)

Activ Health Platinum Essential

Not standard base limit

VS

Medicare Senior

Not covered as a general base OPD benefit.

Deductible Option

Activ Health Platinum Essential

Subject to applicable optional benefit

VS

Medicare Senior

Not specified as a standard deductible option.

Coverage Options

Activ Health Platinum Essential

Individual / Family Floater

VS

Medicare Senior

Individual and Family Floater options, subject to the Sum Insured options available under the policy.

Claim Settlement Ratio

Activ Health Platinum Essential

97%

VS

Medicare Senior

Not specified in the supplied policy document.

Maternity Cover

Activ Health Platinum Essential

Available as an add-on

VS

Medicare Senior

Not covered under the base policy.

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

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