Niva Bupa Health Insurance Platinum+ vs Aditya Birla Activ One Max

10,000+ Healthcare Providers

11000+ Healthcare Providers

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

No restriction on ICU room rent

No restriction on ICU room rent

No

No

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

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

No. However, available as an add-on

Yes

30 days

30 days

2 years

2 years

3 years

3 years

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

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

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

You get cover for medical bills up to 180 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 expense is not included

OPD expense is not included

Available as an option

Available as an option

Available coverage options: ₹5L, ₹7.5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L and ₹1 Cr

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

90.10%

93.70%

Not available

Not available

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

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

All room categories are covered

All room categories are covered

Not available

Available as an option

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