Insurance Plans Comparison
HDFC ERGO myHealth Medisure Super Top-up vs Aditya Birla Activ One Vytl
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moremyHealth Medisure Super Top-up
A super top-up that pays eligible hospitalisation costs only after your aggregate deductible is met, with no sub-limit on room rent or ICU and cover for day care procedures.
What Makes It Special:
my:health Koti Suraksha delivers a ₹1 crore sum insured at a lower premium by accepting three restrictions in the base cover — a room category capped at a Single Standard AC Room, a ₹75,000 sub-limit on eight common procedures, and a mandatory 20% co-payment for lives with a pre-existing disease...
Best For:
Buyers prepared to pay for the waiver covers so a ₹1 crore cover works without room, procedure or co-payment restrictions
Buyers who already hold a base policy and can take the aggregate deductible to reduce premium further
Buyers in Tier 2 cities where a Single Standard AC Room is likely to fall within or close to the plan's room entitlement
Families wanting a wide relationship list on one individual sum insured policy, extending to siblings, in-laws, grandparents, nieces and nephews
Buyers who want a very high sum insured for catastrophic illness and are willing to accept caps on routine, lower-cost procedures
VS
Activ One Vytl
Health Insurance with Day 1 Chronic Disease Cover and Chronic Management Program
What Makes It Special:
Aditya Birla Activ One VYTL is a tailored health insurance plan designed for Vitality customers seeking all-round protection and wellness rewards. It offers extensive hospitalization cover, day care treatments, health returns, and chronic management benefits. With features like wellness coaching, annual health check-ups, and optional covers such as maternity and...
Best For:
Wellness-Focused Health Insurance
Chronic Care Management Plan
Rewards for Healthy Lifestyle
Customizable with Optional Covers
Insurance Plans Comparison
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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
The room entitlement is a Single Standard AC Room rather than a percentage of sum insured, so check what that category means at the hospitals you would use, since exceeding it can trigger deductions.
Opting for the aggregate deductible removes both the Cumulative Bonus and the Sum Insured Rebound, so weigh the premium saved against losing those two benefits.
If anyone insured is entering above age 60 or has a declared pre-existing disease, a 20% co-payment applies, so check whether the Waiver of Co-Payment costs less than the share you would otherwise bear.
The ₹75,000 sub-limit covers eight of the most commonly claimed procedures, including cataract, hernia and hysterectomy, so if these are a realistic prospect for anyone insured, the Waiver of Disease Capping is likely to matter more than the sum insured.
Price all three waiver covers — room rent, disease capping and co-payment — before comparing this plan against a conventional ₹1 crore policy, because the headline premium reflects the restrictions, not the unrestricted cover.
Seeking health cover with wellness rewards
Want chronic illness management support
Prefer personalized health coaching benefits
Looking to earn HealthReturns regularly
Need flexibility with optional add-ons
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() myHealth Medisure Super Top-up Health Insurance Plan VS VS |
Activ One Vytl Health Insurance Plan |
| Room Rent |
|---|
myHealth Medisure Super Top-up
|
VS VS |
Activ One Vytl All room categories are covered |
| ICU Charges |
|---|
myHealth Medisure Super Top-up Covered within medical expenses; no separate ICU limit stated |
VS VS |
Activ One Vytl No restriction on ICU room rent |
| Advanced Treatments |
|---|
myHealth Medisure Super Top-up
|
VS VS |
Activ One Vytl Information Unavailable |
| Co-payment |
|---|
myHealth Medisure Super Top-up The HDFC My: Health Medisure Super Top-Up Plan has a co-payment clause of 10% for individuals aged 61 years and above at the time of policy purchase. |
VS VS |
Activ One Vytl Available as an option |
| Disease-wise sublimits |
|---|
myHealth Medisure Super Top-up Yes — a ₹75,000 sub-limit applies to each of cataract; surgery for benign tumours, cysts, nodules or polyps; stone in the urinary system; hernia-related procedures; appendectomy; hysterectomy; fissures, piles and fistulas; and cellulitis or abscess. Optional Waiver of Disease Capping deletes these sub-limits |
VS VS |
Activ One Vytl No |
| Cashless Healthcare Providers |
|---|
myHealth Medisure Super Top-up 16,000+ Healthcare providers. |
VS VS |
Activ One Vytl 11000+ Healthcare Providers |
| Restoration Benefit |
|---|
myHealth Medisure Super Top-up Optional — Sum Insured Rebound adds an amount equal to the claim paid under the basic sum insured, up to a maximum of the basic sum insured, on subsequent hospitalisation in a policy year. A single claim cannot exceed the basic sum insured plus cumulative bonus earned; for chemotherapy and dialysis it applies only once in the policy lifetime; unused amounts do not carry forward; not available if aggregate deductible is opted |
VS VS |
Activ One Vytl Yes, your sum insured restores to 100% unlimited times after your second claim, for both related and unrelated illnesses |
| Cumulative Bonus |
|---|
myHealth Medisure Super Top-up 10% of basic sum insured on each continuous renewal irrespective of claims, up to a maximum of 100%; not applicable if aggregate deductible is opted. Optional Cumulative Bonus Booster increases this to 50% per renewal, maximum 100% |
VS VS |
Activ One Vytl Your sum insured increases by 50% every year up to 100%, maximum 3cr |
| Daycare Treatment |
|---|
myHealth Medisure Super Top-up Covered by the policy. |
VS VS |
Activ One Vytl Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
| Consumable Cover |
|---|
myHealth Medisure Super Top-up Optional — Non-Medical Expenses Cover pays non-medical expenses up to 5% of the admissible claim amount under the hospitalisation section |
VS VS |
Activ One Vytl Yes |
| AYUSH Treatment |
|---|
myHealth Medisure Super Top-up Covered in the policy. |
VS VS |
Activ One Vytl Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Initial Waiting Period |
|---|
myHealth Medisure Super Top-up 30 days, except claims arising from an accident |
VS VS |
Activ One Vytl 30 days |
| Specific Waiting Period |
|---|
myHealth Medisure Super Top-up 24 months for specified illnesses and surgical procedures |
VS VS |
Activ One Vytl 2 years |
| PED Waiting Period |
|---|
myHealth Medisure Super Top-up 36 months; optional Waiting Period Modification reduces it to 24 months |
VS VS |
Activ One Vytl 3 years |
| Modern Treatment |
|---|
myHealth Medisure Super Top-up Not specified |
VS VS |
Activ One Vytl Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
| Annual Health Checkup |
|---|
myHealth Medisure Super Top-up Preventive health check-up after completion of each policy year or at renewal at a network provider, covering a listed panel including chest X-ray, 2D echo or stress test, PSA for males, PAP smear for females, medical examination report, complete blood count, urine routine, fasting blood sugar, lipid profile and ECG. The benefit is not carried forward if not used within 60 days of the policy anniversary |
VS VS |
Activ One Vytl Health check-up is available from the first policy year |
| Pre-Hospitalisation |
|---|
myHealth Medisure Super Top-up Information Unavailable |
VS VS |
Activ One Vytl You get cover for medical tests and doctor visits up to 90 days before hospitalisation, if your main claim is approved |
| Post-Hospitalisation |
|---|
myHealth Medisure Super Top-up 180 days after discharge |
VS VS |
Activ One Vytl You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it |
| Outpatient Department Cover (OPD Expense) |
|---|
myHealth Medisure Super Top-up Not covered. Wellness services include discounts on OPD, pharmaceuticals, pharmacy and diagnostic centres, which are discounts rather than cover |
VS VS |
Activ One Vytl OPD expense is not included |
| Deductible Option |
|---|
myHealth Medisure Super Top-up Optional — Aggregate Deductible. The insured bears the opted amount across all admissible claims in a policy year before the insurer's liability begins. Opting for it removes the Cumulative Bonus and the Sum Insured Rebound |
VS VS |
Activ One Vytl Available as an option |
| Coverage Options |
|---|
myHealth Medisure Super Top-up Individual sum insured or floater sum insured |
VS VS |
Activ One Vytl Available coverage options: ₹5L, ₹7L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr and ₹2 Cr |
| Claim Settlement Ratio |
|---|
myHealth Medisure Super Top-up 97.43% |
VS VS |
Activ One Vytl 96% |
| Maternity Cover |
|---|
myHealth Medisure Super Top-up Not covered — maternity and medical treatment expenses traceable to childbirth are permanently excluded |
VS VS |
Activ One Vytl Not available |
Insurance Plans Comparison
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