Insurance Plans Comparison
Aditya Birla Active Care Premier vs Care Supreme Shine
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
Supreme Shine
Comprehensive health insurance with unlimited recharge, wellness benefits and broad hospitalisation cover.
What Makes It Special:
Care Supreme Shine is a comprehensive health insurance plan covering hospitalisation, modern treatments, AYUSH care, domiciliary treatment, ambulance services, e-consultations, wellness benefits and unlimited automatic recharge.
Best For:
People who want unlimited e-consultations with general physicians
Customers wanting AYUSH and domiciliary treatment cover
People looking for wellness-linked renewal discounts
Customers wanting unlimited automatic recharge
Families looking for comprehensive health coverage
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
Check the waiting periods and optional benefits before buying the plan.
Wellness benefits can provide up to 30% renewal discount.
Unlimited e-consultations with general physicians are included.
The plan covers modern treatments, AYUSH treatment and domiciliary hospitalisation.
Consider this plan if you want unlimited automatic recharge during the policy year.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Active Care Premier Health Insurance Plan VS VS |
Supreme Shine Health Insurance Plan |
| Room Rent |
|---|
Active Care Premier Single Private Room. ICU charges covered up to the Sum Insured. |
VS VS |
Supreme Shine Single room covered up to the available Sum Insured |
| ICU Charges |
|---|
Active Care Premier Covered up to the Sum Insured. |
VS VS |
Supreme Shine Covered up to Sum Insured |
| Co-payment |
|---|
Active Care Premier 20% co-payment applies on admissible claims. |
VS VS |
Supreme Shine 20% co-payment applies when the optional co-payment benefit is selected |
| 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 |
Supreme Shine Specific disease-wise sub-limits are not mentioned in the available plan details |
| Cashless Healthcare Providers |
|---|
Active Care Premier Cashless treatment available at 11,000+ network hospitals across India. |
VS VS |
Supreme Shine Cashless treatment available through the insurer's network hospitals |
| 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 |
Supreme Shine Unlimited automatic recharge restores the base Sum Insured during the policy year |
| Cumulative Bonus |
|---|
Active Care Premier Earn 10% of Base Sum Insured per claim-free year, accumulating up to a maximum of 50%. |
VS VS |
Supreme Shine Cumulative Bonus up to 100% of Sum Insured |
| Daycare Treatment |
|---|
Active Care Premier 586 daycare procedures covered, even when hospitalisationis less than24 hours. |
VS VS |
Supreme Shine All eligible daycare procedures are covered under the plan |
| Consumable Cover |
|---|
Active Care Premier Covered in the base plan, including non-medical consumables used during hospitalisation. |
VS VS |
Supreme Shine Consumables covered through optional Care Shield add-on |
| AYUSH Treatment |
|---|
Active Care Premier Covered for listed AYUSH treatments, subject to policy terms. |
VS VS |
Supreme Shine Eligible AYUSH treatment expenses covered up to the available Sum Insured |
| Initial Waiting Period |
|---|
Active Care Premier 30 days from policy inception for general illnesses. Accidental hospitalisationis covered from day 1. |
VS VS |
Supreme Shine 30-day waiting period, except for accident-related claims |
| Specific Waiting Period |
|---|
Active Care Premier 2 years for listed specific illnesses and procedures. |
VS VS |
Supreme Shine 24-month waiting period for specified ailments and procedures |
| 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 |
Supreme Shine 36-month waiting period for pre-existing diseases, subject to policy terms |
| Modern Treatment |
|---|
Active Care Premier Covered for listed modern treatment methods, subject to the policy's list of covered procedures. |
VS VS |
Supreme Shine Covered up to Sum Insured |
| 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 |
Supreme Shine Annual health check-up available through the insurer's network on a cashless basis |
| Pre-Hospitalisation |
|---|
Active Care Premier Pre-hospitalisation medical expenses covered for30 days prior to hospitalisation. |
VS VS |
Supreme Shine Pre-hospitalisation expenses covered for up to 60 days before hospitalisation |
| Post-Hospitalisation |
|---|
Active Care Premier Post-hospitalisation medical expenses covered for60 days following discharge. |
VS VS |
Supreme Shine Post-hospitalisation expenses covered for up to 180 days after discharge |
| 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 |
Supreme Shine Unlimited e-consultations included, with physical OPD available through optional rider |
| Deductible Option |
|---|
Active Care Premier Not a core feature of this variant — verify availability from the policy wordings. |
VS VS |
Supreme Shine Optional deductible benefit available, subject to the policy schedule and applicable terms |
| Coverage Options |
|---|
Active Care Premier Sum Insured options from ₹3 lakh up to ₹10 lakh, designed for senior citizens. |
VS VS |
Supreme Shine Sum Insured options from ₹5 lakh to ₹1 crore, including higher coverage choices |
| Claim Settlement Ratio |
|---|
Active Care Premier Aditya Birla Health Insurance reports a 96% claim settlement ratio(3-year average. |
VS VS |
Supreme Shine Claim Settlement Ratio is not mentioned in the available plan details |
| Maternity Cover |
|---|
Active Care Premier Not available in this plan. |
VS VS |
Supreme Shine Maternity expenses are not listed as a base plan benefit |
Insurance Plans Comparison
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Insurance Plans Comparison
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