Insurance Plans Comparison
HDFC ERGO Critical Illness Platinum Plan vs Aditya Birla Activ One VIP
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreCritical Illness Platinum Plan
Lump-sum payout on first diagnosis of any of 15 critical illnesses
What Makes It Special:
The Platinum Plan pays the sum insured as a single lump sum on first diagnosis of any one of 15 listed critical illnesses after the chosen survival period of 15 or 30 days, and because the money is paid as a benefit rather than against hospital bills it can be...
Best For:
Buyers who prefer a benefit paid on diagnosis rather than one requiring hospital bills and cashless authorisation
Younger applicants looking to lock in cover early, since entry is permitted from 5 years of age
Buyers who want a wider critical illness list than a basic plan, including Parkinson's disease, Alzheimer's disease, benign brain tumour and end-stage liver failure
Sole earners whose household would face a sustained income gap if they were diagnosed with cancer, a heart condition or a neurological illness
Buyers who already hold a hospitalisation policy and want a separate lump sum to cover income loss and non-medical costs during a serious illness
VS
Activ One VIP
Get emergency hospital treatment worldwide, excluding the USA and Canada, with an international sum insured above the domestic cover, built-in maternity, and unlimited refills of the sum insured from the second claim.
What Makes It Special:
Activ One VIP is the global-cover-oriented Activ One variant, combining domestic health insurance with emergency international coverage and specified major-illness and maternity benefits outside India.
Best For:
Advanced treatment and wellness plan
Unlimited sum insured restoration
Family floater with extensive benefits
Ultra-high coverage health insurance
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
Set the sum insured against the income and costs you would need to replace over a treatment period, not against hospital bills, since the payout is a fixed benefit rather than a reimbursement.
Pre-existing conditions carry a 48-month waiting period, so if you have a declared condition, factor that delay into whether the cover meets your need.
Choose the survival period deliberately: the quoted premiums are based on 30 days, and the 15-day option changes the price.
The benefit is paid once, so treat this as a supplement to a hospitalisation policy rather than a replacement for one.
This plan pays only on first diagnosis of one of the 15 listed conditions as defined in the policy, so read those definitions — including the severity thresholds on heart attack, cancer and stroke — before assuming a diagnosis will qualify.
You enjoy wellness rewards and annual health check-ups from day one
You value maternity and modern medical treatments
You want freedom with no room rent or co-payment limits
You prefer unlimited sum insured refills (Super Reload)
You want very high medical coverage up to ₹6 crore
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Critical Illness Platinum Plan Health Insurance Plan VS VS |
Activ One VIP Health Insurance Plan |
| Room Rent |
|---|
Critical Illness Platinum Plan Not applicable. |
VS VS |
Activ One VIP All room categories are covered |
| ICU Charges |
|---|
Critical Illness Platinum Plan Not applicable — hospitalisation expenses are not indemnified under this policy |
VS VS |
Activ One VIP No restriction on ICU room rent |
| Co-payment |
|---|
Critical Illness Platinum Plan Not specified. |
VS VS |
Activ One VIP Yes |
| Disease-wise sublimits |
|---|
Critical Illness Platinum Plan Not applicable. |
VS VS |
Activ One VIP No |
| Cashless Healthcare Providers |
|---|
Critical Illness Platinum Plan 16,000 cashless healthcare providers (insurer-level, as of August 2025). Cashless hospitalisation is not the mechanism of this policy, which pays a lump sum on diagnosis |
VS VS |
Activ One VIP 11000+ Healthcare Providers |
| Restoration Benefit |
|---|
Critical Illness Platinum Plan Not applicable. |
VS VS |
Activ One VIP Not available |
| Cumulative Bonus |
|---|
Critical Illness Platinum Plan Not specified |
VS VS |
Activ One VIP Your sum insured increases by 50% every year, maximum up to 100% |
| Daycare Treatment |
|---|
Critical Illness Platinum Plan Not applicable. |
VS VS |
Activ One VIP Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
| Consumable Cover |
|---|
Critical Illness Platinum Plan Not applicable — no itemised hospitalisation expenses are reimbursed |
VS VS |
Activ One VIP Yes |
| AYUSH Treatment |
|---|
Critical Illness Platinum Plan Not applicable. |
VS VS |
Activ One VIP Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Initial Waiting Period |
|---|
Critical Illness Platinum Plan 90 days for all claims |
VS VS |
Activ One VIP 30 days |
| Specific Waiting Period |
|---|
Critical Illness Platinum Plan Not specified. |
VS VS |
Activ One VIP 2 years |
| PED Waiting Period |
|---|
Critical Illness Platinum Plan 48 months for all pre-existing conditions declared and/or accepted at application |
VS VS |
Activ One VIP 3 years |
| Modern Treatment |
|---|
Critical Illness Platinum Plan Not applicable — this is a fixed-benefit policy paying a lump sum, not an indemnity cover for treatment costs |
VS VS |
Activ One VIP Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
| Annual Health Checkup |
|---|
Critical Illness Platinum Plan Not specified. A pre-policy medical check may be required based on age and sum insured. 50% of standard medical test charges is reimbursed if conducted at an empanelled diagnostic centre, subject to acceptance of the proposal and policy issuance. |
VS VS |
Activ One VIP Not available |
| Pre-Hospitalisation |
|---|
Critical Illness Platinum Plan Not applicable. |
VS VS |
Activ One VIP You get cover for medical tests and doctor visits up to 90 days before hospitalisation, if your main claim is approved |
| Post-Hospitalisation |
|---|
Critical Illness Platinum Plan Not applicable. |
VS VS |
Activ One VIP You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it |
| Outpatient Department Cover (OPD Expense) |
|---|
Critical Illness Platinum Plan Not applicable. |
VS VS |
Activ One VIP OPD expenses are covered |
| Deductible Option |
|---|
Critical Illness Platinum Plan Not applicable. |
VS VS |
Activ One VIP Not available |
| Coverage Options |
|---|
Critical Illness Platinum Plan Cover is written per insured person. No individual/floater structure is stated. |
VS VS |
Activ One VIP Available coverage options: ₹50 Lacs, ₹75 Lacs, ₹1 Cr, ₹2 Cr, ₹3 Cr, ₹4 Cr, ₹5 Cr, ₹6 Cr |
| Claim Settlement Ratio |
|---|
Critical Illness Platinum Plan Approximately 97% |
VS VS |
Activ One VIP 96% |
| Maternity Cover |
|---|
Critical Illness Platinum Plan Not covered. |
VS VS |
Activ One VIP Available |
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?
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
Secure against age-related medical costs
Tailored for seniors healthcare needs
Most Popular
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
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.
Explore Our Most Popular Plans
Compare With Other Health Insurance Plans
Critical Illness Platinum Plan vs Supreme Senior Premium
Critical Illness Platinum Plan vs Ultimate
Critical Illness Platinum Plan vs Optima Secure
Critical Illness Platinum Plan vs Super Mediclaim
Critical Illness Platinum Plan vs Health Recharge
Critical Illness Platinum Plan vs Optima Secure Plus
Critical Illness Platinum Plan vs Cancer Cover Activ Cancer Secure Plan
Critical Illness Platinum Plan vs Optima Secure Global Plus
Critical Illness Platinum Plan vs LifeTime Health Global
Critical Illness Platinum Plan vs Women Care
Critical Illness Platinum Plan vs Aspire Diamond+
Critical Illness Platinum Plan vs Activate Booster Plan A
Critical Illness Platinum Plan vs Health Super Saver Standard
Critical Illness Platinum Plan vs Active Care Premier
Critical Illness Platinum Plan vs ProHealth Accumulate
Critical Illness Platinum Plan vs Supreme Shine
Critical Illness Platinum Plan vs Health Cardiac Care Silver & Gold Plan
Critical Illness Platinum Plan vs myHealth Suraksha Gold
Critical Illness Platinum Plan vs Elder Care
Critical Illness Platinum Plan vs Young Star Gold
Critical Illness Platinum Plan vs Assure
Critical Illness Platinum Plan vs Active Fit Plus
Critical Illness Platinum Plan vs Cancer Care Platinum
Critical Illness Platinum Plan vs OneHealth Premium
Critical Illness Platinum Plan vs Optima Lite
Critical Illness Platinum Plan vs ProHealth Prime Protect
Critical Illness Platinum Plan vs Medicare Plus
Critical Illness Platinum Plan vs Activ Health Platinum Essential
Critical Illness Platinum Plan vs Medicare Senior
Critical Illness Platinum Plan vs Enhance Super Top-up Two
Critical Illness Platinum Plan vs Reassure 3.0
Critical Illness Platinum Plan vs Medicare Protect
Critical Illness Platinum Plan vs Activ One SAVR
Critical Illness Platinum Plan vs Active Assure Diamond
Critical Illness Platinum Plan vs Activ One VIP
Critical Illness Platinum Plan vs Health Pulse Classic
Critical Illness Platinum Plan vs Advantage
Critical Illness Platinum Plan vs Mediclaim Insurance Policy
Critical Illness Platinum Plan vs Special Care Gold
Critical Illness Platinum Plan vs Activ One Max
Critical Illness Platinum Plan vs Classic
Critical Illness Platinum Plan vs Activ One Vytl
Critical Illness Platinum Plan vs Supreme
Critical Illness Platinum Plan vs Freedom
Critical Illness Platinum Plan vs Sarvah Pratham
Critical Illness Platinum Plan vs Joy Today
Critical Illness Platinum Plan vs Medi Classic
Critical Illness Platinum Plan vs Activate Booster Plan B
Critical Illness Platinum Plan vs Aspire Gold+
Critical Illness Platinum Plan vs Health Gain
Critical Illness Platinum Plan vs Aspire Platinum+
Critical Illness Platinum Plan vs Plus Complete
Critical Illness Platinum Plan vs Reassure 2.0 Platinum+
Critical Illness Platinum Plan vs Reassure 3.0 Elite
Critical Illness Platinum Plan vs EquiCover
Critical Illness Platinum Plan vs Enhance Super Top-up One
Critical Illness Platinum Plan vs Joy Tomorrow
Critical Illness Platinum Plan vs Reassure 3.0 Select
Critical Illness Platinum Plan vs Activ One VIP+
Critical Illness Platinum Plan vs Red Carpet Senior Citizens
Critical Illness Platinum Plan vs Super Surplus Gold
Critical Illness Platinum Plan vs Health SuperCharge
Critical Illness Platinum Plan vs Medicare Premier
Critical Illness Platinum Plan vs Family Health Optima
Critical Illness Platinum Plan vs Health Companion Variant 2022
Critical Illness Platinum Plan vs Health Companion Variant 3
Critical Illness Platinum Plan vs Plus Youth
Critical Illness Platinum Plan vs ProHealth Prime Advantage
Critical Illness Platinum Plan vs Critical Illness Silver Plan
Critical Illness Platinum Plan vs Health Premia Gold
Critical Illness Platinum Plan vs Health Premia Platinum
Critical Illness Platinum Plan vs Comprehensive
Critical Illness Platinum Plan vs HeartBeat Enhanced
Critical Illness Platinum Plan vs Reassure
Critical Illness Platinum Plan vs Health Recharge Super Top Up Plan
Critical Illness Platinum Plan vs myHealth Suraksha Platinum
Critical Illness Platinum Plan vs Supreme Value for Money
Critical Illness Platinum Plan vs Supreme Enhance Two
Critical Illness Platinum Plan vs Supreme Senior Super
Critical Illness Platinum Plan vs Supreme Enhance
Critical Illness Platinum Plan vs Reassure 2.0 Gold
Critical Illness Platinum Plan vs Active Fit Preferred
Critical Illness Platinum Plan vs LifeTime Health
Critical Illness Platinum Plan vs Medicare
Critical Illness Platinum Plan vs ProHealth Prime Active
Critical Illness Platinum Plan vs ProHealth Prime Senior Elite
Critical Illness Platinum Plan vs Advanced Top Up
Critical Illness Platinum Plan vs Multiplier Health
Critical Illness Platinum Plan vs Ultimate (Direct)
Critical Illness Platinum Plan vs Young Star
Critical Illness Platinum Plan vs Star Women Care Policy
Critical Illness Platinum Plan vs Family Plus
Critical Illness Platinum Plan vs Sarvah Param
Critical Illness Platinum Plan vs Optima Insurance
Critical Illness Platinum Plan vs Smart Super Health Assure
Critical Illness Platinum Plan vs Criti Shield Plus
Critical Illness Platinum Plan vs Health Care Supreme Ultimo
Critical Illness Platinum Plan vs Health Shield 360 Retail
Critical Illness Platinum Plan vs Super Star
Critical Illness Platinum Plan vs Reassure 3.0 Black
Critical Illness Platinum Plan vs Health Guard Platinum
Critical Illness Platinum Plan vs Health Guard Gold
Critical Illness Platinum Plan vs Elevate (Direct)
Critical Illness Platinum Plan vs Senior First Platinum
Critical Illness Platinum Plan vs Extra Care Plus Super Top-up
Critical Illness Platinum Plan vs Health Care Supreme Smart
Critical Illness Platinum Plan vs Medi Classic Gold
Critical Illness Platinum Plan vs Smart Health Pro
Critical Illness Platinum Plan vs Optima Super Secure
Critical Illness Platinum Plan vs Special Care
Critical Illness Platinum Plan vs Optima Secure Global
Critical Illness Platinum Plan vs Medicare LITE
Critical Illness Platinum Plan vs Health Shield 360
Critical Illness Platinum Plan vs NextGen
Critical Illness Platinum Plan vs SecureHealth
Critical Illness Platinum Plan vs Energy Silver With Copay
Critical Illness Platinum Plan vs Supreme (Direct)
Critical Illness Platinum Plan vs Plus
Critical Illness Platinum Plan vs Medicare Select
Critical Illness Platinum Plan vs myHealth Koti Suraksha
Critical Illness Platinum Plan vs Senior
Critical Illness Platinum Plan vs myHealth Suraksha Silver
Critical Illness Platinum Plan vs Cardiac Care Platinum
Critical Illness Platinum Plan vs Royal Sundaram Lifeline Elite
Critical Illness Platinum Plan vs HeartBeat Platinum
Critical Illness Platinum Plan vs Supreme Enhance One
Critical Illness Platinum Plan vs HeartBeat Gold
Critical Illness Platinum Plan vs Aspire Titanium+
Critical Illness Platinum Plan vs iHealth Plus
Critical Illness Platinum Plan vs Reassure 3.0 Classic
Critical Illness Platinum Plan vs Senior Health Advantage
Critical Illness Platinum Plan vs Health Wallet
Critical Illness Platinum Plan vs Elevate
Critical Illness Platinum Plan vs Heart
Critical Illness Platinum Plan vs Reassure 2.0 Titanium+
Critical Illness Platinum Plan vs Diabetes Safe Plan A
Critical Illness Platinum Plan vs Reassure 2.0 Bronze+
Critical Illness Platinum Plan vs Young Star Silver
Critical Illness Platinum Plan vs Enhance Super Top-up
Critical Illness Platinum Plan vs Joy
Critical Illness Platinum Plan vs Supreme Senior Health AdvantEdge
Critical Illness Platinum Plan vs Supreme Super Saver
Critical Illness Platinum Plan vs Health Insurance Platinum
Activ One VIP vs Supreme Senior Premium
Activ One VIP vs Ultimate
Activ One VIP vs Optima Secure
Activ One VIP vs Super Mediclaim
Activ One VIP vs Critical Illness Platinum Plan
Activ One VIP vs Health Recharge
Activ One VIP vs Optima Secure Plus
Activ One VIP vs Cancer Cover Activ Cancer Secure Plan
Activ One VIP vs Optima Secure Global Plus
Activ One VIP vs LifeTime Health Global
Activ One VIP vs Women Care
Activ One VIP vs Aspire Diamond+
Activ One VIP vs Activate Booster Plan A
Activ One VIP vs Health Super Saver Standard
Activ One VIP vs Active Care Premier
Activ One VIP vs ProHealth Accumulate
Activ One VIP vs Supreme Shine
Activ One VIP vs Health Cardiac Care Silver & Gold Plan
Activ One VIP vs myHealth Suraksha Gold
Activ One VIP vs Elder Care
Activ One VIP vs Young Star Gold
Activ One VIP vs Assure
Activ One VIP vs Active Fit Plus
Activ One VIP vs Cancer Care Platinum
Activ One VIP vs OneHealth Premium
Activ One VIP vs Optima Lite
Activ One VIP vs ProHealth Prime Protect
Activ One VIP vs Medicare Plus
Activ One VIP vs Activ Health Platinum Essential
Activ One VIP vs Medicare Senior
Activ One VIP vs Enhance Super Top-up Two
Activ One VIP vs Reassure 3.0
Activ One VIP vs Medicare Protect
Activ One VIP vs Activ One SAVR
Activ One VIP vs Active Assure Diamond
Activ One VIP vs Health Pulse Classic
Activ One VIP vs Advantage
Activ One VIP vs Mediclaim Insurance Policy
Activ One VIP vs Special Care Gold
Activ One VIP vs Activ One Max
Activ One VIP vs Classic
Activ One VIP vs Activ One Vytl
Activ One VIP vs Supreme
Activ One VIP vs Freedom
Activ One VIP vs Sarvah Pratham
Activ One VIP vs Joy Today
Activ One VIP vs Medi Classic
Activ One VIP vs Activate Booster Plan B
Activ One VIP vs Aspire Gold+
Activ One VIP vs Health Gain
Activ One VIP vs Aspire Platinum+
Activ One VIP vs Plus Complete
Activ One VIP vs Reassure 2.0 Platinum+
Activ One VIP vs Reassure 3.0 Elite
Activ One VIP vs EquiCover
Activ One VIP vs Enhance Super Top-up One
Activ One VIP vs Joy Tomorrow
Activ One VIP vs Reassure 3.0 Select
Activ One VIP vs Activ One VIP+
Activ One VIP vs Red Carpet Senior Citizens
Activ One VIP vs Super Surplus Gold
Activ One VIP vs Health SuperCharge
Activ One VIP vs Medicare Premier
Activ One VIP vs Family Health Optima
Activ One VIP vs Health Companion Variant 2022
Activ One VIP vs Health Companion Variant 3
Activ One VIP vs Plus Youth
Activ One VIP vs ProHealth Prime Advantage
Activ One VIP vs Critical Illness Silver Plan
Activ One VIP vs Health Premia Gold
Activ One VIP vs Health Premia Platinum
Activ One VIP vs Comprehensive
Activ One VIP vs HeartBeat Enhanced
Activ One VIP vs Reassure
Activ One VIP vs Health Recharge Super Top Up Plan
Activ One VIP vs myHealth Suraksha Platinum
Activ One VIP vs Supreme Value for Money
Activ One VIP vs Supreme Enhance Two
Activ One VIP vs Supreme Senior Super
Activ One VIP vs Supreme Enhance
Activ One VIP vs Reassure 2.0 Gold
Activ One VIP vs Active Fit Preferred
Activ One VIP vs LifeTime Health
Activ One VIP vs Medicare
Activ One VIP vs ProHealth Prime Active
Activ One VIP vs ProHealth Prime Senior Elite
Activ One VIP vs Advanced Top Up
Activ One VIP vs Multiplier Health
Activ One VIP vs Ultimate (Direct)
Activ One VIP vs Young Star
Activ One VIP vs Star Women Care Policy
Activ One VIP vs Family Plus
Activ One VIP vs Sarvah Param
Activ One VIP vs Optima Insurance
Activ One VIP vs Smart Super Health Assure
Activ One VIP vs Criti Shield Plus
Activ One VIP vs Health Care Supreme Ultimo
Activ One VIP vs Health Shield 360 Retail
Activ One VIP vs Super Star
Activ One VIP vs Reassure 3.0 Black
Activ One VIP vs Health Guard Platinum
Activ One VIP vs Health Guard Gold
Activ One VIP vs Elevate (Direct)
Activ One VIP vs Senior First Platinum
Activ One VIP vs Extra Care Plus Super Top-up
Activ One VIP vs Health Care Supreme Smart
Activ One VIP vs Medi Classic Gold
Activ One VIP vs Smart Health Pro
Activ One VIP vs Optima Super Secure
Activ One VIP vs Special Care
Activ One VIP vs Optima Secure Global
Activ One VIP vs Medicare LITE
Activ One VIP vs Health Shield 360
Activ One VIP vs NextGen
Activ One VIP vs SecureHealth
Activ One VIP vs Energy Silver With Copay
Activ One VIP vs Supreme (Direct)
Activ One VIP vs Plus
Activ One VIP vs Medicare Select
Activ One VIP vs myHealth Koti Suraksha
Activ One VIP vs Senior
Activ One VIP vs myHealth Suraksha Silver
Activ One VIP vs Cardiac Care Platinum
Activ One VIP vs Royal Sundaram Lifeline Elite
Activ One VIP vs HeartBeat Platinum
Activ One VIP vs Supreme Enhance One
Activ One VIP vs HeartBeat Gold
Activ One VIP vs Aspire Titanium+
Activ One VIP vs iHealth Plus
Activ One VIP vs Reassure 3.0 Classic
Activ One VIP vs Senior Health Advantage
Activ One VIP vs Health Wallet
Activ One VIP vs Elevate
Activ One VIP vs Heart
Activ One VIP vs Reassure 2.0 Titanium+
Activ One VIP vs Diabetes Safe Plan A
Activ One VIP vs Reassure 2.0 Bronze+
Activ One VIP vs Young Star Silver
Activ One VIP vs Enhance Super Top-up
Activ One VIP vs Joy
Activ One VIP vs Supreme Senior Health AdvantEdge
Activ One VIP vs Supreme Super Saver
Activ One VIP vs Health Insurance Platinum
Oneassure
Health Insurance
Compare Health Insurance Plans
Critical Illness Platinum Plan Vs Activ One Vip
Chat with PolicyPal
Get a free policy review
No pressure. No product push. Just honest advice.






.png)

