Insurance Plans Comparison
Aditya Birla Active Care Premier vs Care Advantage
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreActive 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
Advantage
Care Advantage Health Insurance
What Makes It Special:
Premium plan offering high Sum Insured up to ₹1 Crore with optional global coverage.
Best For:
Nationwide cashless treatment network
High sum insured with flexible add-ons
Broad coverage including AYUSH and daycare
Comprehensive health and wellness protection
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
You want flexibility in sum insured and add-on benefits
You value regular health check-ups and ambulance coverage
You seek cashless hospitalization services across many hospitals
You prefer optional add-ons for extra critical illness cover
You want extensive hospital and daycare coverage
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Active Care Premier Health Insurance Plan VS VS |
Advantage Health Insurance Plan |
| Room Rent |
|---|
Active Care Premier Single Private Room. ICU charges covered up to the Sum Insured. |
VS VS |
Advantage All room categories are covered |
| ICU Charges |
|---|
Active Care Premier Covered up to the Sum Insured. |
VS VS |
Advantage No restriction on ICU room rent |
| Co-payment |
|---|
Active Care Premier 20% co-payment applies on admissible claims. |
VS VS |
Advantage Available as an option |
| 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 VS |
Advantage No |
| Cashless Healthcare Providers |
|---|
Active Care Premier Cashless treatment available at 11,000+ network hospitals across India. |
VS VS |
Advantage 21700+ Healthcare Providers |
| 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 VS |
Advantage Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses |
| Cumulative Bonus |
|---|
Active Care Premier Earn 10% of Base Sum Insured per claim-free year, accumulating up to a maximum of 50%. |
VS VS |
Advantage For every year you don’t make a claim, your sum insured increases by 10%. You can pay an additional premium to increase Sum Insured up to 100%, every year, without any upper limit |
| Daycare Treatment |
|---|
Active Care Premier 586 daycare procedures covered, even when hospitalisationis less than24 hours. |
VS VS |
Advantage Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
| Consumable Cover |
|---|
Active Care Premier Covered in the base plan, including non-medical consumables used during hospitalisation. |
VS VS |
Advantage No. However, available as an add-on |
| AYUSH Treatment |
|---|
Active Care Premier Covered for listed AYUSH treatments, subject to policy terms. |
VS VS |
Advantage Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Initial Waiting Period |
|---|
Active Care Premier 30 days from policy inception for general illnesses. Accidental hospitalisationis covered from day 1. |
VS VS |
Advantage 30 days |
| Specific Waiting Period |
|---|
Active Care Premier 2 years for listed specific illnesses and procedures. |
VS VS |
Advantage 2 years |
| 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 VS |
Advantage 3 years |
| Modern Treatment |
|---|
Active Care Premier Covered for listed modern treatment methods, subject to the policy's list of covered procedures. |
VS VS |
Advantage Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
| 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 VS |
Advantage Health checkup is not included as part of base cover. However, you can opt for the Annual Health Checkup Add-on to avail health checkup once per Policy Year |
| Pre-Hospitalisation |
|---|
Active Care Premier Pre-hospitalisation medical expenses covered for30 days prior to hospitalisation. |
VS VS |
Advantage You get cover for medical tests and doctor visits up to 30 days before hospitalisation, if your main claim is approved |
| Post-Hospitalisation |
|---|
Active Care Premier Post-hospitalisation medical expenses covered for60 days following discharge. |
VS VS |
Advantage You get cover for medical bills up to 60 days after discharge, including physiotherapy if your doctor prescribes it |
| Outpatient Department Cover (OPD Expense) |
|---|
Active Care Premier Not covered in the base plan. Tele-OPD e-consultationsare available as an add-on. |
VS VS |
Advantage OPD expense is not included as part of base cover. However, you can opt for an add-on to avail this coverage |
| Deductible Option |
|---|
Active Care Premier Not a core feature of this variant — verify availability from the policy wordings. |
VS VS |
Advantage Available as an option |
| Coverage Options |
|---|
Active Care Premier Sum Insured options from ₹3 lakh up to ₹10 lakh, designed for senior citizens. |
VS VS |
Advantage Available coverage options: ₹25L, ₹50L,₹1Cr, ₹2Cr, ₹3 Cr, ₹6 Cr |
| Claim Settlement Ratio |
|---|
Active Care Premier Aditya Birla Health Insurance reports a 96% claim settlement ratio(3-year average. |
VS VS |
Advantage 96% |
| Maternity Cover |
|---|
Active Care Premier Not available in this plan. |
VS VS |
Advantage Not available |
Insurance Plans Comparison
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Insurance Plans Comparison
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Frequently Asked Questions (FAQs)
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