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Insurance Plans Comparison

ManipalCigna ProHealth Accumulate vs Aditya Birla Activ One VIP

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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ManipalCigna

ProHealth Accumulate

Carry forward a health maintenance benefit for outpatient and inpatient care, add 5% to any unused balance, and put up to half of it toward renewal premium, plus a guaranteed 5% cumulative bonus up to 200%.

What Makes It Special:

ProHealth is designed for those who want comprehensive coverage without restrictions. It offers extensive coverage for modern treatments and innovative features.

Best For:

  • Not available
VS
Aditya Birla

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

ManipalCigna ProHealth Accumulate

Not available

Aditya Birla Activ One VIP

  • 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

ProHealth Accumulate
ProHealth Accumulate

Health Insurance Plan

Policy Wording

VS
Activ One VIP
Activ One VIP

Health Insurance Plan

Brochure

Policy Wording

Room Rent

ProHealth Accumulate

Normal: Single Private AC Room

ICU: Up to Sum Insured

VS

Activ One VIP

All room categories are covered

Advanced Treatments

ProHealth Accumulate

Sum Insured below ₹5 Lakh: Covered up to 50% of Sum Insured

Sum Insured ₹5 Lakh and above: Covered up to Sum Insured

VS

Activ One VIP

Information Unavailable

ICU Charges

ProHealth Accumulate

Information Unavailable

VS

Activ One VIP

No restriction on ICU room rent

Co-payment

ProHealth Accumulate

Not mentioned

VS

Activ One VIP

Yes


Disease-wise sublimits

ProHealth Accumulate

Information Unavailable

VS

Activ One VIP

No

Waiting Period

ProHealth Accumulate

Initial Waiting Period: 30 Days

Pre-existing Disease Waiting Period:

Sum Insured up to ₹5 Lakh: 36 Months

Sum Insured ₹7.5 Lakh and above: 24 Months

Specific Disease/Procedure Waiting Period: 24 Months

Bariatric Surgery Waiting Period: 36 Months

Maternity & Infertility Waiting Period: 36 Months

VS

Activ One VIP

Information Unavailable

Cashless Healthcare Providers

ProHealth Accumulate

Not mentioned

VS

Activ One VIP

11000+ Healthcare Providers

Restoration Benefit

ProHealth Accumulate

Information Unavailable

VS

Activ One VIP

Not available

Daycare Treatment

ProHealth Accumulate

Covered up to Sum Insured

VS

Activ One VIP

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

Cumulative Bonus

ProHealth Accumulate

Information Unavailable

VS

Activ One VIP

Your sum insured increases by 50% every year, maximum up to 100%

AYUSH Treatment

ProHealth Accumulate

Covered up to Sum Insured

VS

Activ One VIP

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

Consumable Cover

ProHealth Accumulate

Information Unavailable

VS

Activ One VIP

Yes

Initial Waiting Period

ProHealth Accumulate

Information Unavailable

VS

Activ One VIP

30 days

Specific Waiting Period

ProHealth Accumulate

Information Unavailable

VS

Activ One VIP

2 years

PED Waiting Period

ProHealth Accumulate

Information Unavailable

VS

Activ One VIP

3 years

Modern Treatment

ProHealth Accumulate

Information Unavailable

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

ProHealth Accumulate

Information Unavailable

VS

Activ One VIP

Not available

Pre-Hospitalisation

ProHealth Accumulate

Information Unavailable

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

ProHealth Accumulate

Information Unavailable

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)

ProHealth Accumulate

Information Unavailable

VS

Activ One VIP

OPD expenses are covered

Deductible Option

ProHealth Accumulate

Information Unavailable

VS

Activ One VIP

Not available

Coverage Options

ProHealth Accumulate

Information Unavailable

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

ProHealth Accumulate

Information Unavailable

VS

Activ One VIP

96%

Maternity Cover

ProHealth Accumulate

Information Unavailable

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?

End-to-End Support

End-to-End Support

From choosing the right policy to managing claims, every step is handled for you

Zero Spam. Zero Hassle

Zero Spam. Zero Hassle

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.

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