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Insurance Plans Comparison

Aditya Birla Active Care Premier vs Aditya Birla Activ One SAVR

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

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Aditya Birla

Active Care Premier

Aditya Birla Activ Care Premiere

What Makes It Special:

Activ Care Premier is a senior citizen-focused health plan from Aditya Birla that upgrades classic senior cover with a Single Private Room, consumables coverage,and home care support, all with a shorter 2-year PED waiting period.

Best For:

  • Those looking for wellness-linked premium rewards

  • Buyers who prefer treatment at home through home care and domiciliary options

  • Those wanting a private room during hospitalisation

  • People managing chronic conditions like diabetes or hypertension

  • Senior citizens aged 46 to75 years

VS
Aditya Birla

Activ One SAVR

Activ One SAVR

What Makes It Special:

Activ One focuses on providing essential health coverage at an affordable premium. It's designed for budget-conscious individuals who want reliable coverage.

Best For:

  • Not available

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

  • Check the 20% co-payment and disease-wise sub-limits carefully before purchase

  • May not suit buyers wanting in-built OPD coverage

  • Suitable for buyers who value home nursing and domiciliary care options

  • Useful for people who want consumables coverage in the base plan

  • Good option if you're a senior wanting private-room comfort with a 2-year PED waiting period

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Active Care Premier
Active Care Premier

Health Insurance Plan

VS
Activ One SAVR
Activ One SAVR

Health Insurance Plan

Room Rent

Active Care Premier

Single Private Room. ICU charges covered up to the Sum Insured.

VS

Activ One SAVR

Covered up to base sum insured

ICU Charges

Active Care Premier

Covered up to the Sum Insured.

VS

Activ One SAVR

Covered up to base sum insured.

Co-payment

Active Care Premier

20% co-payment applies on admissible claims.

VS

Activ One SAVR

No zone-wise co-payment.

Disease-wise sublimits

Active Care Premier

Certain treatments carry sub-limits — including domiciliary hospitalisationcapped at10% of Sum Insured,and organ donor expenses up to50% of Sum Insured.

VS

Activ One SAVR

No cap on major treatments.

Cashless Healthcare Providers

Active Care Premier

Cashless treatment available at 11,000+ network hospitals across India.

VS

Activ One SAVR

16,500 + current insurer network

Restoration Benefit

Active Care Premier

100% of the Sum Insured is restored for subsequent hospitalisations due to a different illnessin the same policy year.

VS

Activ One SAVR

100% base sum insured is reinstated instantly upon exhaustion, usable unlimited times per policy year for both same or different illnesses under super reload.

Cumulative Bonus

Active Care Premier

Earn 10% of Base Sum Insured per claim-free year, accumulating up to a maximum of 50%.

VS

Activ One SAVR

Super credit structure is present.

Daycare Treatment

Active Care Premier

586 daycare procedures covered, even when hospitalisationis less than24 hours.

VS

Activ One SAVR

Covered

Consumable Cover

Active Care Premier

Covered in the base plan, including non-medical consumables used during hospitalisation.

VS

Activ One SAVR

Claim protect is present.

AYUSH Treatment

Active Care Premier

Covered for listed AYUSH treatments, subject to policy terms.

VS

Activ One SAVR

Full coverage for inpatient hospital admissions in recognised Ayurveda, Yoga, Unani, Siddha, and Homoeopathy medical facilities up to sum insured

Initial Waiting Period

Active Care Premier

30 days from policy inception for general illnesses. Accidental hospitalisationis covered from day 1.

VS

Activ One SAVR

30 days

Specific Waiting Period

Active Care Premier

2 years for listed specific illnesses and procedures.

VS

Activ One SAVR

24 months

PED Waiting Period

Active Care Premier

2 years for pre-existing diseases — a shorter-than-usual waiting period, helpful for seniors managing chronic conditions.

VS

Activ One SAVR

36 months

Modern Treatment

Active Care Premier

Covered for listed modern treatment methods, subject to the policy's list of covered procedures.

VS

Activ One SAVR

Covered up to base sum insured.

Annual Health Checkup

Active Care Premier

Available as an add-on — the Advanced Health Check-up covers additional tests like mammography, PAP smear, thyroid function test, TMT, chest X-ray,and abdominal sonography on a cashless basis.

VS

Activ One SAVR

Once every policy year

Pre-Hospitalisation

Active Care Premier

Pre-hospitalisation medical expenses covered for30 days prior to hospitalisation.

VS

Activ One SAVR

90 days

Post-Hospitalisation

Active Care Premier

Post-hospitalisation medical expenses covered for60 days following discharge.

VS

Activ One SAVR

180 days

Outpatient Department Cover (OPD Expense)

Active Care Premier

Not covered in the base plan. Tele-OPD e-consultationsare available as an add-on.

VS

Activ One SAVR

Chronic care programme is present as an optional add-on, where outpatient doctor consultation, e-consults, and diagnostic tests specifically for managed conditions are present

Deductible Option

Active Care Premier

Not a core feature of this variant — verify availability from the policy wordings.

VS

Activ One SAVR

Available

Coverage Options

Active Care Premier

Sum Insured options from ₹3 lakh up to ₹10 lakh, designed for senior citizens.

VS

Activ One SAVR

Available as individual and floater

Claim Settlement Ratio

Active Care Premier

Aditya Birla Health Insurance reports a 96% claim settlement ratio(3-year average.

VS

Activ One SAVR

97% insurer level FY 2025-26

Maternity Cover

Active Care Premier

Not available in this plan.

VS

Activ One SAVR

Not covered under standard policy structure.

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?

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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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