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Insurance Plans Comparison

Aditya Birla Activ One VIP vs TATA AIG Medicare LITE

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

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Aditya Birla

Activ One VIP

Activ One VIP Plan

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

VS
TATA AIG

Medicare LITE

Medicare LITE

What Makes It Special:

Affordable health insurance with comprehensive hospitalisation coverage

Best For:

  • Customers who want additional benefits such as Restore Benefit, health check-ups, teleconsultation and lifelong renewal.

  • Individuals looking for coverage that includes In-Patient Treatment, Day Care Treatment, AYUSH treatment and pre and post-hospitalisation expenses.

  • Customers who want Sum Insured options ranging from ₹5 lakh to ₹20 lakh.

  • Families looking for Individual or Family Floater health insurance coverage.

  • Individuals looking for a budget-friendly health insurance plan with comprehensive hospitalisation coverage.

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

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

TATA AIG Medicare LITE

  • Before choosing the plan, consider its waiting periods, age-linked and network-related co-payment conditions, room category and other policy terms that may affect your claim.

  • If you want additional protection after your available Sum Insured and accrued Cumulative Bonus are exhausted, the Restore Benefit automatically reinstates 100% of the Sum Insured once during the policy year, subject to applicable conditions.

  • MediCare LITE may be considered if you want both Individual and Family Floater policy options, with coverage available for eligible family members.

  • The plan offers Sum Insured options of ₹5 lakh, ₹7.5 lakh, ₹10 lakh, ₹15 lakh and ₹20 lakh, allowing you to select the coverage amount applicable to your requirements.

  • Consider MediCare LITE if you want a health insurance plan with In-Patient Treatment, Day Care Treatment and related medical expenses covered under one policy.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Activ One VIP
Activ One VIP

Health Insurance Plan

Brochure

Policy Wording

VS
Medicare LITE
Medicare LITE

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Activ One VIP

All room categories are covered

VS

Medicare LITE

Normal: Single Private Room

ICU: Up to Sum Insured

ICU Charges

Activ One VIP

No restriction on ICU room rent

VS

Medicare LITE

Information Unavailable

Advanced Treatments

Activ One VIP

Information Unavailable

VS

Medicare LITE

Bariatric Surgery Cover

Modern Treatments (subject to policy terms and limits)

In-Patient Dental Treatment

Hearing Aid Benefit

Disease-wise sublimits

Activ One VIP

No

VS

Medicare LITE

No specific disease-wise sublimit specified

Co-payment

Activ One VIP

Yes


VS

Medicare LITE

20% co-payment if entry age is 61 years or above at first coverage

30% co-payment for treatment outside the "Valued Provider – Pan India" network

Waiting Period

Activ One VIP

Information Unavailable

VS

Medicare LITE

Initial Waiting Period: 30 days

Pre-existing Disease Waiting Period: 36 months

Cashless Healthcare Providers

Activ One VIP

11000+ Healthcare Providers

VS

Medicare LITE

Cashless treatment available through Valued Provider – Pan India network

Restoration Benefit

Activ One VIP

Not available

VS

Medicare LITE

100% of Sum Insured restored once during the policy year

Daycare Treatment

Activ One VIP

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

VS

Medicare LITE

Covered up to Sum Insured

Cumulative Bonus

Activ One VIP

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

VS

Medicare LITE

Information Unavailable

Consumable Cover

Activ One VIP

Yes

VS

Medicare LITE

Information Unavailable

AYUSH Treatment

Activ One VIP

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

VS

Medicare LITE

Covered up to Sum Insured

Initial Waiting Period

Activ One VIP

30 days

VS

Medicare LITE

Information Unavailable

Specific Waiting Period

Activ One VIP

2 years

VS

Medicare LITE

Information Unavailable

PED Waiting Period

Activ One VIP

3 years

VS

Medicare LITE

Information Unavailable

Modern Treatment

Activ One VIP

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

VS

Medicare LITE

Information Unavailable

Annual Health Checkup

Activ One VIP

Not available

VS

Medicare LITE

Information Unavailable

Pre-Hospitalisation

Activ One VIP

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

VS

Medicare LITE

Covered up to 60 days before hospitalisation

Post-Hospitalisation

Activ One VIP

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

VS

Medicare LITE

Covered up to 180 days after hospitalisation

Outpatient Department Cover (OPD Expense)

Activ One VIP

OPD expenses are covered

VS

Medicare LITE

Not covered

Deductible Option

Activ One VIP

Not available

VS

Medicare LITE

Not specified

Coverage Options

Activ One VIP

Available coverage options: ₹50 Lacs, ₹75 Lacs, ₹1 Cr, ₹2 Cr, ₹3 Cr, ₹4 Cr, ₹5 Cr, ₹6 Cr

VS

Medicare LITE

₹5 Lakhs, ₹7.5 Lakhs, ₹10 Lakhs, ₹15 Lakhs and ₹20 Lakhs

Claim Settlement Ratio

Activ One VIP

96%

VS

Medicare LITE

Not specified in the product prospectus

Maternity Cover

Activ One VIP

Available

VS

Medicare LITE

Not covered

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.

1-5 of 10 FAQs

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