Niva Bupa Health Insurance Heart Beat Gold vs Aditya Birla Health Insurance Activ One Max

All room categories are covered

No restriction on ICU room rent

No restriction on ICU room rent

Covered up to Sum Insured

Yes

No

Optional

Available as an option

100% of base sum insured restored once every policy year for future claims

Yes, your sum insured restores to 100% unlimited times after your second claim, for both related and unrelated illnesses

10000+ Healthcare Providers

11000+ Healthcare Providers

Your sum insured increases by 10% every year, maximum up to 100%

Your sum insured increases by 100% every year up to 500%, maximum 3cr

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

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

Yes

Yes

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

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

90 days.

30 days

2 years

2 years

3 years

3 years

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

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

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

Health check-up is available from the first policy year

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

You get cover for medical tests and doctor visits up to 90 days before hospitalisation, if your main claim is approved

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

You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it

OPD expenses are not available

OPD expense is not included

Available as an option

Available as an option

Available coverage options: ₹5L, ₹7.5L, ₹10L, ₹15L, ₹20L, ₹30L, ₹1Cr

Available coverage options: ₹5L, ₹7L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr and ₹2 Cr

90.10%

93.70%

Available with capping based on base sum insured.

Not available