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Insurance Plans Comparison

Aditya Birla Activ Health Platinum Essential vs TATA AIG Medicare

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

Tata AIG Medicare

What Makes It Special:

Tata AIG MediCare is a comprehensive health insurance plan that provides coverage for inpatient hospitalisation, Day Care Treatment, pre and post-hospitalisation expenses, domiciliary treatment and AYUSH treatment. The policy also includes benefits such as automatic restoration of the Sum Insured, Cumulative Bonus, preventive health check-ups, second medical opinion and additional...

Best For:

  • Customers who value additional healthcare services such as preventive health check-ups and second medical opinions.

  • Individuals looking for additional protection through restoration and Cumulative Bonus benefits.

  • Customers who want coverage for domiciliary treatment and AYUSH treatment.

  • Families looking for health insurance with Family Floater coverage.

  • Individuals looking for comprehensive hospitalisation and Day Care Treatment 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

  • The policy also provides additional benefits such as preventive health check-ups, second medical opinion and other healthcare support, subject to the applicable limits and conditions.

  • Domiciliary Treatment is covered when the treatment exceeds three days and the applicable policy conditions are satisfied.

  • A 50% Cumulative Bonus is added after each claim-free policy year, up to a maximum of 100% of the Sum Insured, subject to policy conditions.

  • The policy provides automatic restoration of the Basic Sum Insured after the Sum Insured and accrued Cumulative Bonus are exhausted, subject to applicable conditions.

  • Consider Tata AIG MediCare if you want coverage for inpatient hospitalisation, Day Care Treatment, pre-hospitalisation and post-hospitalisation expenses.

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
Medicare

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Activ Health Platinum Essential

Any room.

VS

Medicare

  1. Normal: 2% of the sum insured per day
  2. ICU: 4% of the sum insured per day
ICU Charges

Activ Health Platinum Essential

Covered

VS

Medicare

4% of Sum Insured per day

Co-payment

Activ Health Platinum Essential

20% mandatory unless applicable waiver is selected.

VS

Medicare

No Specific Mandatory Co-payment Mentioned

Disease-wise sublimits

Activ Health Platinum Essential

Applicable.

VS

Medicare

Applicable to Specified Treatments

Waiting Period

Activ Health Platinum Essential

Information Unavailable

VS

Medicare

  1. Initial Waiting Periods: 30 Days
  2. Specific Diseases/procedures: 24 Months
  3. Pre-Existing Diseases: 36 Months
Cashless Healthcare Providers

Activ Health Platinum Essential

16,500 + current insurer network

VS

Medicare

11,000+ Cashless Hospitals

Restoration Benefit

Activ Health Platinum Essential

Available as add-on.

VS

Medicare

Available Once for Road Traffic Accident

Cumulative Bonus

Activ Health Platinum Essential

10% per year, up to 100%

VS

Medicare

5% of Sum Insured per claim-free year

Daycare Treatment

Activ Health Platinum Essential

Covered.

VS

Medicare

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

Not Covered as a Separate Benefit

AYUSH Treatment

Activ Health Platinum Essential

Covered.

VS

Medicare

Cover for expenses incurred for treatment as in-patient in AYUSH Hospital.

Initial Waiting Period

Activ Health Platinum Essential

30 days

VS

Medicare

30 Days

Specific Waiting Period

Activ Health Platinum Essential

24 months

VS

Medicare

24 Months

PED Waiting Period

Activ Health Platinum Essential

36 months

VS

Medicare

36 Months

Modern Treatment

Activ Health Platinum Essential

Covered.

VS

Medicare

Covered up to 25% of Sum Insured

Annual Health Checkup

Activ Health Platinum Essential

Once every policy year

VS

Medicare

Available as per Policy Terms

Pre-Hospitalisation

Activ Health Platinum Essential

30 days

VS

Medicare

Covered for Up to 30 Days

Post-Hospitalisation

Activ Health Platinum Essential

60 days

VS

Medicare

Covered for Up to 60 Days

Outpatient Department Cover (OPD Expense)

Activ Health Platinum Essential

Not standard base limit

VS

Medicare

Not Covered under Base Policy

Deductible Option

Activ Health Platinum Essential

Subject to applicable optional benefit

VS

Medicare

Not Specified

Coverage Options

Activ Health Platinum Essential

Individual / Family Floater

VS

Medicare

₹1 Lakh to ₹10 Lakh

Claim Settlement Ratio

Activ Health Platinum Essential

97%

VS

Medicare

Not Specified

Maternity Cover

Activ Health Platinum Essential

Available as an add-on

VS

Medicare

Not Covered

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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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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