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Insurance Plans Comparison

Aditya Birla Activ Health Platinum Essential vs Care Supreme (Direct)

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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Aditya Birla

Activ Health Platinum Essential

Activ Health Platinum Essential

What Makes It Special:

Activ Health Platinum Essential combines hospitalization protection with wellness and chronic-care features, including Day 1 coverage for specified chronic conditions under the applicable product terms.

Best For:

  • Customers wanting health assessment support

  • Buyers looking for wellness benefits

  • People with listed lifestyle conditions

  • Customers looking for an affordable, comprehensive plan

VS
Care

Supreme (Direct)

Care Supreme (Direct)

What Makes It Special:

Supreme (Direct) focuses on providing essential health coverage at an affordable premium. It's designed for budget-conscious individuals who want reliable coverage.

Best For:

  • Not available

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

Aditya Birla Activ Health Platinum Essential

  • Customers wanting health assessment support

  • Buyers looking for wellness benefits

  • People with listed lifestyle conditions

  • Customers looking for an affordable comprehensive plan

Care Supreme (Direct)

Not available

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Activ Health Platinum Essential
Activ Health Platinum Essential

Health Insurance Plan

Brochure

VS
Supreme (Direct)
Supreme (Direct)

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Activ Health Platinum Essential

Any room.

VS

Supreme (Direct)

Full coverage for ICU and normal room charges up to SI.

ICU Charges

Activ Health Platinum Essential

Covered

VS

Supreme (Direct)

Full coverage for ICU expenses and normal room charges up to sum insured.

Co-payment

Activ Health Platinum Essential

20% mandatory unless applicable waiver is selected.

VS

Supreme (Direct)

No mandatory co-payment; optional voluntary co-payment available.

Disease-wise sublimits

Activ Health Platinum Essential

Applicable.

VS

Supreme (Direct)

No disease-wise sub-limits.

Cashless Healthcare Providers

Activ Health Platinum Essential

16,500 + current insurer network

VS

Supreme (Direct)

5,000+ network hospitals across India.

Restoration Benefit

Activ Health Platinum Essential

Available as add-on.

VS

Supreme (Direct)

Unlimited restoration benefit available.

Cumulative Bonus

Activ Health Platinum Essential

10% per year, up to 100%

VS

Supreme (Direct)

Provided annually on no-claim basis (specific % varies by year).

Daycare Treatment

Activ Health Platinum Essential

Covered.

VS

Supreme (Direct)

Covers 200+ medical procedures: dialysis, chemotherapy, cataract surgery, etc.

Consumable Cover

Activ Health Platinum Essential

Optional/subject to policy.

VS

Supreme (Direct)

Included as part of hospitalisation expenses.

AYUSH Treatment

Activ Health Platinum Essential

Covered.

VS

Supreme (Direct)

Covered on cashless basis at network facilities.

Initial Waiting Period

Activ Health Platinum Essential

30 days

VS

Supreme (Direct)

30 days (except accidents).

Specific Waiting Period

Activ Health Platinum Essential

24 months

VS

Supreme (Direct)

2 years for specified ailments.

PED Waiting Period

Activ Health Platinum Essential

36 months

VS

Supreme (Direct)

3 years for pre-existing diseases.

Modern Treatment

Activ Health Platinum Essential

Covered.

VS

Supreme (Direct)

Covers cutting-edge procedures: robotic surgery, stem cell therapy, organ transplants, and other advanced treatments.

Annual Health Checkup

Activ Health Platinum Essential

Once every policy year

VS

Supreme (Direct)

Available on cashless basis.

Pre-Hospitalisation

Activ Health Platinum Essential

30 days

VS

Supreme (Direct)

Pre-existing diseases covered after 3 years waiting period.

Post-Hospitalisation

Activ Health Platinum Essential

60 days

VS

Supreme (Direct)

Covered as part of related hospitalisation medical expenses.

Outpatient Department Cover (OPD Expense)

Activ Health Platinum Essential

Not standard base limit

VS

Supreme (Direct)

Not available in base plan, present as an add on.

Deductible Option

Activ Health Platinum Essential

Subject to applicable optional benefit

VS

Supreme (Direct)

Optional feature available.

Coverage Options

Activ Health Platinum Essential

Individual / Family Floater

VS

Supreme (Direct)

Multiple SI options available (varies by plan).

Claim Settlement Ratio

Activ Health Platinum Essential

97%

VS

Supreme (Direct)

80%

Maternity Cover

Activ Health Platinum Essential

Available as an add-on

VS

Supreme (Direct)

Availability to be confirmed from policy document.

Insurance Plans Comparison

Still Confused? Get Expert Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Why Choose Our Expert Consultation?

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From choosing the right policy to managing claims, every step is handled for you

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Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

Talk to experienced advisors at no cost, and make confident decisions

24/7 Claim Assistance

24/7 Claim Assistance

Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

What Our Experts Help You With

Personalised Recommendations

  • Every suggestion is backed by expert analysis of your life stage, goals, and budget

Expert-Led Policy Review

  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

Smart, Tech-Enabled Experience

  • From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free

Insurance Plans Comparison

Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

Family Health Plan

Family Health Plan

  • One policy covers the entire family

  • High sum insured with cashless care

  • Multiple coverage options based on your family needs

Maternity Health Plan

Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

Having questions? We've got answers. Explore our FAQs to find the information you need.

1-5 of 10 FAQs

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