Aditya Birla Activ One VIP+ vs Care Heart

Normal: Actuals up to Sum Insured.

ICU: Actuals up to Sum Insured.

Up to ₹3 L sum insured – 1% of Sum Insured per day

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).

Up to ₹3 L sum insured – 2% of Sum Insured per day

Not mentioned

In-built co-payment: 20% if entry age ≤ 70 years, 30% if entry age > 70 years.

Yes

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

Provides 1 restoration of the base cover upon exhaustion, applicable for unrelated illnesses only

Actuals up to Sum Insured

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

Your sum insured increases by 10% each policy year as a No-Claim Bonus, up to 50% of the sum insured. The bonus reduces by 10% for every claim paid

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

2 years

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

Health check-up is available from the first 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

Not available

Available coverage options: ₹3L, ₹5L, ₹7L and ₹10L

96%

Not available