Insurance Plans Comparison
Aditya Birla Activ One VIP+ vs Care Enhance Super Top-up
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreActiv One VIP+
Activ One VIP+
What Makes It Special:
Activ One VIP+ is the global-cover-focused variant providing international protection for both planned and emergency treatment, alongside comprehensive domestic health insurance.
Best For:
Buyers wanting maternity and overseas protection
Customers wanting high sum insured
Frequent international travellers
Customer seeking international plan treatment
VS
Enhance Super Top-up
Additional health insurance protection beyond your deductible for major hospitalisation expenses.
What Makes It Special:
Care Enhance is a super top-up health insurance plan from Care Health Insurance that adds financial protection after eligible medical expenses cross the selected annual deductible. Enhance 1 offers cover up to ₹30 lakh, while Enhance 2 provides specified combinations up to ₹55 lakh. The plan covers eligible inpatient hospitalisation, daycare...
Best For:
Customers wanting flexible coverage levels: Applicants comparing the different sum-insured and deductible combinations available under Enhance 1 and Enhance 2.
People comfortable with a deductible: Customers who have sufficient base insurance or savings to handle expenses up to the selected threshold.
Customers planning for major hospital bills: Individuals concerned about costly inpatient treatment, ICU care and eligible daycare procedures.
Families seeking higher overall protection: Households that want to supplement an existing policy with a larger potential pool of hospitalisation cover.
People with existing health insurance: Customers who want an additional layer of financial protection once eligible annual medical expenses cross a chosen deductible.
Insurance Plans Comparison
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Quick Decision Guide
International benefits should be checked against the policy schedule.
The plan is designed for higher sum insured levels.
Travel duration limits apply.
Overseas treatment is subject to geographical, eligibility and policy conditions.
Compare the actual policy version, not just the headline sum insured. Review hospitalisation benefits, pre- and post-hospitalisation periods, exclusions and any benefits you expect to use before choosing the plan.
Check room eligibility and co-payment. Compare the room categories under Enhance 1 and Enhance 2 and assess the financial impact of the 20% co-payment where the entry-age condition applies.
Review waiting periods before buying. The initial waiting period, specified-illness waiting period and pre-existing disease waiting period can affect when coverage becomes available.
Understand how annual expenses are counted. A super top-up generally considers eligible medical expenses accumulated during the policy year, subject to its deductible provisions. Check how multiple claims and expenses are assessed.
Match the deductible to your existing cover. Check whether your base policy's sum insured is sufficient to meet the deductible. If it is lower, you may need to fund the gap yourself.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Activ One VIP+ Health Insurance Plan VS VS |
Enhance Super Top-up Health Insurance Plan |
| Room Rent |
|---|
Activ One VIP+ Normal: Actuals up to Sum Insured. ICU: Actuals up to Sum Insured. |
VS VS |
Enhance Super Top-up Single private AC room eligibility, with room-category conditions varying by Enhance option. Check the schedule for the selected option before admission to avoid room-related deductions. |
| Advanced Treatments |
|---|
Activ One VIP+ List all covered advanced/modern treatments mentioned: Uterine Artery Embolization and HIFU (High intensity focused ultrasound), Immunotherapy- Monoclonal Antibody, Vaporisation of the Prostrate (Green laser treatment or holmium laser treatment), Stem Cell Therapy (Hematopoietic Stem Cells for Bone Marrow Transplant for Haematological Conditions), Balloon Sinuplasty, Oral Chemotherapy, Robotic Surgeries, Stereotactic Radio Surgeries, Deep Brain Stimulation, Intra Vitreal Injections, Bronchial Thermoplasty, and IONM (Intra Operative Neuro Monitoring). |
VS VS |
Enhance Super Top-up Information Unavailable |
| ICU Charges |
|---|
Activ One VIP+ Information Unavailable |
VS VS |
Enhance Super Top-up ICU expenses are covered up to the sum insured, with no separate ICU sub-limit listed on the insurer's product page. |
| Co-payment |
|---|
Activ One VIP+ Not mentioned |
VS VS |
Enhance Super Top-up A 20% co-payment applies if the policy is purchased at age 61 or above. The insured member bears 20% of the admissible claim amount, with the balance payable subject to the policy terms. |
| Disease-wise sublimits |
|---|
Activ One VIP+ Information Unavailable |
VS VS |
Enhance Super Top-up The plan is presented as having no disease-wise sub-limits for covered hospitalisation benefits. Claims remain subject to the deductible, sum insured, exclusions, admissibility rules and other policy conditions. |
| Waiting Period |
|---|
Activ One VIP+ Initial Waiting Period: 30 Days. Pre-existing Disease Waiting Period: 3 years. Specific Disease/Procedure Waiting Period: 2 years. |
VS VS |
Enhance Super Top-up Information Unavailable |
| Cashless Healthcare Providers |
|---|
Activ One VIP+ 10,000+ Network hospitals. |
VS VS |
Enhance Super Top-up Cashless treatment is available at the insurer's network hospitals, subject to pre-authorisation and policy terms. The insurer currently advertises a network of over 22,100 cashless healthcare providers; availability can change. |
| Restoration Benefit |
|---|
Activ One VIP+ Information Unavailable |
VS VS |
Enhance Super Top-up Unlimited automatic recharge is listed on the insurer's current product page. The sum insured can be recharged by an amount equal to the selected sum insured, multiple times in a policy year, subject to policy conditions. |
| Daycare Treatment |
|---|
Activ One VIP+ Actuals up to Sum Insured |
VS VS |
Enhance Super Top-up Covers eligible daycare procedures that do not require a 24-hour hospital stay, subject to the policy terms and applicable procedure conditions. |
| Cumulative Bonus |
|---|
Activ One VIP+ Information Unavailable |
VS VS |
Enhance Super Top-up The sum insured increases by 50% of the base sum insured for each policy year, up to a maximum increase of 100%. Accrued bonus is not reduced on renewal because of a claim, subject to policy terms. |
| AYUSH Treatment |
|---|
Activ One VIP+ Actuals up to Sum Insured |
VS VS |
Enhance Super Top-up Inpatient AYUSH treatment is covered up to the sum insured when hospitalisation takes place in an AYUSH-certified clinic, subject to policy terms. |
| Consumable Cover |
|---|
Activ One VIP+ Information Unavailable |
VS VS |
Enhance Super Top-up Routine non-medical consumables are not listed as a separate standard benefit. Check the policy's admissible-expense rules before assuming consumables such as gloves, masks or other non-medical items will be reimbursed. |
| Initial Waiting Period |
|---|
Activ One VIP+ Information Unavailable |
VS VS |
Enhance Super Top-up 30 days for illnesses from the policy start date, except injuries, subject to the policy terms. |
| Specific Waiting Period |
|---|
Activ One VIP+ Information Unavailable |
VS VS |
Enhance Super Top-up 24 months for specified illnesses and procedures, subject to the applicable list and policy conditions. |
| PED Waiting Period |
|---|
Activ One VIP+ Information Unavailable |
VS VS |
Enhance Super Top-up 36 months of continuous coverage for pre-existing diseases, subject to policy terms and underwriting. |
| Modern Treatment |
|---|
Activ One VIP+ Information Unavailable |
VS VS |
Enhance Super Top-up Covers eligible advanced technology treatments, subject to the policy's specified treatment list, medical necessity and applicable terms. Covered expenses are payable up to the sum insured. |
| Annual Health Checkup |
|---|
Activ One VIP+ Information Unavailable |
VS VS |
Enhance Super Top-up Annual health check-ups are available for covered adult members regardless of previous claim history, subject to the policy terms. |
| Pre-Hospitalisation |
|---|
Activ One VIP+ Information Unavailable |
VS VS |
Enhance Super Top-up Eligible medical expenses incurred up to 60 days before hospitalisation are covered, subject to policy conditions and the relationship of the expenses to the hospitalisation. |
| Post-Hospitalisation |
|---|
Activ One VIP+ Information Unavailable |
VS VS |
Enhance Super Top-up Eligible medical expenses for up to 180 days after discharge are covered under the insurer's current product listing, subject to policy conditions. |
| Outpatient Department Cover (OPD Expense) |
|---|
Activ One VIP+ Information Unavailable |
VS VS |
Enhance Super Top-up Routine OPD treatment is not a core hospitalisation benefit. The plan lists unlimited general-physician e-consultations and discounts on selected healthcare services. |
| Deductible Option |
|---|
Activ One VIP+ Information Unavailable |
VS VS |
Enhance Super Top-up A deductible applies before the super top-up pays eligible expenses. Options vary by plan variant; the deductible must be considered alongside the base health insurance and the amount the customer can pay personally. |
| Coverage Options |
|---|
Activ One VIP+ Information Unavailable |
VS VS |
Enhance Super Top-up Available on an individual and family floater basis. The plan offers Enhance 1 and Enhance 2 options with different sum insured and deductible combinations. The maximum sum insured is ₹55 lakh. |
| Claim Settlement Ratio |
|---|
Activ One VIP+ Information Unavailable |
VS VS |
Enhance Super Top-up Care Health Insurance's insurer-level claim settlement ratio should be displayed using the verified financial year and published methodology adopted by OneAssure. It is not a separate benefit or guarantee of an individual claim. |
| Maternity Cover |
|---|
Activ One VIP+ Information Unavailable |
VS VS |
Enhance Super Top-up Maternity expenses, including childbirth-related expenses, are generally excluded. The plan's healthcare-service discount programme may offer discounts on maternity services, but this is not the same as insurance coverage for maternity expenses. |
Insurance Plans Comparison
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Insurance Plans Comparison
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