Care Health Insurance Heart vs Aditya Birla Health Insurance VIP

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

All room categories are covered

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

No restriction on ICU room rent

Yes

No

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

Yes

21700+ Healthcare Providers

11000+ Healthcare Providers

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

Not available

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

Your sum insured increases by 50% every year, maximum up to 100%

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

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

No. However, available as an add-on

Yes

30 days

30 days

2 years

2 years

2 years

3 years

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

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

Not available

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 tests and doctor visits up to 90 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

You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it

OPD expense is not included

OPD expenses are covered

Not available

Not available

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

Available coverage options: ₹50 Lacs, ₹75 Lacs, ₹1 Cr, ₹2 Cr, ₹3 Cr, ₹4 Cr, ₹5 Cr, ₹6 Cr

87.10%

93.70%

Not available

Available