Aditya Birla Activ One VIP+ vs Care Advantage

Normal: Actuals up to Sum Insured.

ICU: Actuals up to Sum Insured.

All room categories are covered

List all covered advanced/modern treatments mentioned: Uterine Artery Embolization and HIFU (High intensity focused ultrasound), Immunotherapy- Monoclonal Antibody, Vaporisation of the Prostrate (Green laser treatment or holmium laser treatment), Stem Cell Therapy (Hematopoietic Stem Cells for Bone Marrow Transplant for Haematological Conditions), Balloon Sinuplasty, Oral Chemotherapy, Robotic Surgeries, Stereotactic Radio Surgeries, Deep Brain Stimulation, Intra Vitreal Injections, Bronchial Thermoplasty, and IONM (Intra Operative Neuro Monitoring).

No restriction on ICU room rent

Not mentioned

Available as an option

No

Initial Waiting Period: 30 Days.

Pre-existing Disease Waiting Period: 3 years.

Specific Disease/Procedure Waiting Period: 2 years.

10,000+ Network hospitals.

21700+ Healthcare Providers

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

Actuals up to Sum Insured

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

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

Actuals up to Sum Insured

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

No. However, available as an add-on

30 days

2 years

3 years

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

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

You get cover for medical tests and doctor visits up to 30 days before hospitalisation, if your main claim is approved

You get cover for medical bills up to 60 days after discharge, including physiotherapy if your doctor prescribes it

OPD expense is not included as part of base cover. However, you can opt for an add-on to avail this coverage

Available as an option

Available coverage options: ₹25L, ₹50L,₹1Cr, ₹2Cr, ₹3 Cr, ₹6 Cr

96%

Not available