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Insurance Plans Comparison

Aditya Birla Activ Health Platinum Essential vs Liberty Health Connect Elite

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

Cover type 1 and type 2 diabetes, asthma, high blood pressure and high cholesterol from day one, earn up to 50% of premium as HealthReturns, and add 10% each claim-free year, up to 100% or ₹50 lakh, whichever is lower.

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
Liberty

Health Connect Elite

Maximum Coverage at Minimum Premium

What Makes It Special:

Secure Health Connect is a comprehensive health insurance plan offering hospitalisation coverage, cumulative bonus benefits, reload of Sum Insured, cashless treatment and flexible plan options.

Best For:

  • Policyholders looking for lifelong renewal options.

  • Families wanting cashless treatment across network hospitals.

  • Customers looking for cumulative bonus benefits.

  • Individuals seeking flexible Sum Insured options.

  • Families looking for comprehensive health insurance 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

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

Liberty Health Connect Elite

  • Check the plan-specific room rent, co-payment and disease-wise sub-limits before buying.

  • Check the applicable waiting periods for pre-existing diseases and specified treatments.

  • Consider it if you want cumulative bonus benefits for claim-free years.

  • Consider it if you want a reload of Sum Insured from the first claim.

  • Consider the plan if you want flexible 1, 2 or 3-year policy terms.

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
Health Connect Elite
Health Connect Elite

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Activ Health Platinum Essential

Any room.

VS

Health Connect Elite

Subject to selected plan limits

ICU Charges

Activ Health Platinum Essential

Covered

VS

Health Connect Elite

Covered as per selected plan

Co-payment

Activ Health Platinum Essential

20% mandatory unless applicable waiver is selected.

VS

Health Connect Elite

Applicable as per selected plan

Disease-wise sublimits

Activ Health Platinum Essential

Applicable.

VS

Health Connect Elite

Applicable as per selected plan

Cashless Healthcare Providers

Activ Health Platinum Essential

16,500 + current insurer network

VS

Health Connect Elite

6,100+ network hospitals available

Restoration Benefit

Activ Health Platinum Essential

Available as add-on.

VS

Health Connect Elite

Reload available from first claim

Cumulative Bonus

Activ Health Platinum Essential

10% per year, up to 100%

VS

Health Connect Elite

Up to 150% of Sum Insured

Daycare Treatment

Activ Health Platinum Essential

Covered.

VS

Health Connect Elite

405 daycare procedures covered

Consumable Cover

Activ Health Platinum Essential

Optional/subject to policy.

VS

Health Connect Elite

Not specified in the brochure

AYUSH Treatment

Activ Health Platinum Essential

Covered.

VS

Health Connect Elite

Not specified in the brochure

Initial Waiting Period

Activ Health Platinum Essential

30 days

VS

Health Connect Elite

30 days from policy commencement

Specific Waiting Period

Activ Health Platinum Essential

24 months

VS

Health Connect Elite

2 years or 3 years

PED Waiting Period

Activ Health Platinum Essential

36 months

VS

Health Connect Elite

3 years for pre-existing diseases

Modern Treatment

Activ Health Platinum Essential

Covered.

VS

Health Connect Elite

Covered as per selected plan

Annual Health Checkup

Activ Health Platinum Essential

Once every policy year

VS

Health Connect Elite

Available as per plan conditions

Pre-Hospitalisation

Activ Health Platinum Essential

30 days

VS

Health Connect Elite

Up to 30 to 45 days

Post-Hospitalisation

Activ Health Platinum Essential

60 days

VS

Health Connect Elite

Up to 45 to 60 days

Outpatient Department Cover (OPD Expense)

Activ Health Platinum Essential

Not standard base limit

VS

Health Connect Elite

Not covered under the policy

Deductible Option

Activ Health Platinum Essential

Subject to applicable optional benefit

VS

Health Connect Elite

Not specified in the brochure

Coverage Options

Activ Health Platinum Essential

Individual / Family Floater

VS

Health Connect Elite

₹2 Lakh to ₹15 Lakh

Claim Settlement Ratio

Activ Health Platinum Essential

97%

VS

Health Connect Elite

Not specified in the brochure

Maternity Cover

Activ Health Platinum Essential

Available as an add-on

VS

Health Connect Elite

Not covered except ectopic pregnancy

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?

End-to-End Support

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

Zero Spam. Zero Hassle

Zero Spam. Zero Hassle

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

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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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