Oneassure

Partner with us

Insurance Plans Comparison

Aditya Birla Activ One SAVR vs Care Ultimate (Direct)

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

Read more
Aditya Birla

Activ One SAVR

Activ One SAVR

What Makes It Special:

Activ One 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
Care

What Makes It Special:

Ultimate (Direct) 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

Aditya Birla Activ One SAVR

Not available

Care Ultimate (Direct)

Not available

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Activ One SAVR
Activ One SAVR

Health Insurance Plan

Brochure

Policy Wording

VS
Ultimate (Direct)
Ultimate (Direct)

Health Insurance Plan

Brochure

Room Rent

Activ One SAVR

Covered up to base sum insured

VS

Ultimate (Direct)

The cost of hospital room accommodation is covered under a health insurance policy, subject to specified limits.

No limit on room rent or ICU charges, allowing policyholders to choose any hospital room without financial constraints.

ICU Charges

Activ One SAVR

Covered up to base sum insured.

VS

Ultimate (Direct)

Information Unavailable

Advanced Treatments

Activ One SAVR

Information Unavailable

VS

Ultimate (Direct)

Modern medical procedures like robotic surgery or stem cell therapy, often covered under specialized insurance plans.

Covers modern procedures like robotic surgery, stem cell therapy, oral chemotherapy, and deep brain stimulation for critical illnesses.

Co-payment

Activ One SAVR

No zone-wise co-payment.

VS

Ultimate (Direct)

A fixed percentage of the claim amount that the insured must pay out-of-pocket before the insurer covers the rest.

No mandatory co-payment for policyholders under 61; a 20% co-payment applies for those purchasing after turning 61.

Disease-wise sublimits

Activ One SAVR

No cap on major treatments.

VS

Ultimate (Direct)

Information Unavailable

Waiting Period

Activ One SAVR

Information Unavailable

VS

Ultimate (Direct)

The duration after policy issuance during which certain illnesses or conditions are not covered.

Coverage begins after 30 days for general illnesses, two years for specific conditions, and three years for pre-existing diseases.

Cashless Healthcare Providers

Activ One SAVR

16,500 + current insurer network

VS

Ultimate (Direct)

Hospitals and clinics within an insurer’s network where policyholders can receive treatment without upfront payments.

 

Access to over 24,800 network hospitals for cashless treatment, ensuring hassle-free hospitalization without upfront payments.

Restoration Benefit

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.

VS

Ultimate (Direct)

Information Unavailable

Cumulative Bonus

Activ One SAVR

Super credit structure is present.

VS

Ultimate (Direct)

Information Unavailable

Daycare Treatment

Activ One SAVR

Covered

VS

Ultimate (Direct)

Medical procedures requiring less than 24-hour hospitalization, such as cataract surgery or chemotherapy.

 

Covers treatments requiring hospitalization of less than 24 hours, such as cataract surgeries, chemotherapy, and other specialized procedures.

Consumable Cover

Activ One SAVR

Claim protect is present.

VS

Ultimate (Direct)

Information Unavailable

AYUSH Treatment

Activ One SAVR

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

VS

Ultimate (Direct)

Information Unavailable

Initial Waiting Period

Activ One SAVR

30 days

VS

Ultimate (Direct)

Information Unavailable

Specific Waiting Period

Activ One SAVR

24 months

VS

Ultimate (Direct)

Information Unavailable

PED Waiting Period

Activ One SAVR

36 months

VS

Ultimate (Direct)

Information Unavailable

Modern Treatment

Activ One SAVR

Covered up to base sum insured.

VS

Ultimate (Direct)

Information Unavailable

Annual Health Checkup

Activ One SAVR

Once every policy year

VS

Ultimate (Direct)

Information Unavailable

Pre-Hospitalisation

Activ One SAVR

90 days

VS

Ultimate (Direct)

Information Unavailable

Post-Hospitalisation

Activ One SAVR

180 days

VS

Ultimate (Direct)

Information Unavailable

Outpatient Department Cover (OPD Expense)

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

VS

Ultimate (Direct)

Information Unavailable

Deductible Option

Activ One SAVR

Available

VS

Ultimate (Direct)

Information Unavailable

Coverage Options

Activ One SAVR

Available as individual and floater

VS

Ultimate (Direct)

Information Unavailable

Claim Settlement Ratio

Activ One SAVR

97% insurer level FY 2025-26

VS

Ultimate (Direct)

Information Unavailable

Maternity Cover

Activ One SAVR

Not covered under standard policy structure.

VS

Ultimate (Direct)

Information Unavailable

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

Compare With Other Health Insurance Plans

Activ One SAVR vs Optima Secure

Activ One SAVR vs Optima Secure Plus

Activ One SAVR vs Cancer Cover Activ Cancer Secure Plan

Activ One SAVR vs Women Care

Activ One SAVR vs Activate Booster Plan A

Ultimate (Direct) vs Optima Secure

Ultimate (Direct) vs Optima Secure Plus

Ultimate (Direct) vs Cancer Cover Activ Cancer Secure Plan

Ultimate (Direct) vs Women Care

Ultimate (Direct) vs Activate Booster Plan A

Oneassure

Health Insurance

Compare Health Insurance Plans

Activ One Savr Vs Ultimate (direct)

Policy Pal

Chat with PolicyPal

Get a free policy review

No pressure. No product push. Just honest advice.