Insurance Plans Comparison
Aditya Birla Activ One SAVR vs ManipalCigna ProHealth Accumulate
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
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Activ One SAVR
Add 100% super credit every year, up to 500% of base sum insured, capped at ₹3 crore, even after a claim, with unlimited refills from the second claim and ₹500 daily hospital cash for a parent for 30 days.
What Makes It Special:
Activ One is designed for those who want comprehensive coverage without restrictions. It offers extensive coverage for modern treatments and innovative features.
Best For:
- Not available
VS
ProHealth Accumulate
Carry forward a health maintenance benefit for outpatient and inpatient care, add 5% to any unused balance, and put up to half of it toward renewal premium, plus a guaranteed 5% cumulative bonus up to 200%.
What Makes It Special:
ProHealth 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
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Quick Decision Guide
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Detailed Features Comparison
Compare the key features of different health insurance plans
Activ One SAVR Health Insurance Plan VS VS |
ProHealth Accumulate Health Insurance Plan |
| Room Rent |
|---|
Activ One SAVR Covered up to base sum insured |
VS VS |
ProHealth Accumulate Normal: Single Private AC Room ICU: Up to Sum Insured |
| ICU Charges |
|---|
Activ One SAVR Covered up to base sum insured. |
VS VS |
ProHealth Accumulate Information Unavailable |
| Advanced Treatments |
|---|
Activ One SAVR Information Unavailable |
VS VS |
ProHealth Accumulate Sum Insured below ₹5 Lakh: Covered up to 50% of Sum Insured Sum Insured ₹5 Lakh and above: Covered up to Sum Insured |
| Co-payment |
|---|
Activ One SAVR No zone-wise co-payment. |
VS VS |
ProHealth Accumulate Not mentioned |
| Disease-wise sublimits |
|---|
Activ One SAVR No cap on major treatments. |
VS VS |
ProHealth Accumulate Information Unavailable |
| Waiting Period |
|---|
Activ One SAVR Information Unavailable |
VS VS |
ProHealth Accumulate Initial Waiting Period: 30 Days Pre-existing Disease Waiting Period: Sum Insured up to ₹5 Lakh: 36 Months Sum Insured ₹7.5 Lakh and above: 24 Months Specific Disease/Procedure Waiting Period: 24 Months Bariatric Surgery Waiting Period: 36 Months Maternity & Infertility Waiting Period: 36 Months |
| Cashless Healthcare Providers |
|---|
Activ One SAVR 16,500 + current insurer network |
VS VS |
ProHealth Accumulate Not mentioned |
| Restoration Benefit |
|---|
Activ One SAVR 100% base sum insured is reinstated instantly upon exhaustion, usable unlimited times per policy year for both same or different illnesses under super reload. |
VS VS |
ProHealth Accumulate Information Unavailable |
| Cumulative Bonus |
|---|
Activ One SAVR Super credit structure is present. |
VS VS |
ProHealth Accumulate Information Unavailable |
| Daycare Treatment |
|---|
Activ One SAVR Covered |
VS VS |
ProHealth Accumulate Covered up to Sum Insured |
| Consumable Cover |
|---|
Activ One SAVR Claim protect is present. |
VS VS |
ProHealth Accumulate Information Unavailable |
| AYUSH Treatment |
|---|
Activ One SAVR Full coverage for inpatient hospital admissions in recognised Ayurveda, Yoga, Unani, Siddha, and Homoeopathy medical facilities up to sum insured |
VS VS |
ProHealth Accumulate Covered up to Sum Insured |
| Initial Waiting Period |
|---|
Activ One SAVR 30 days |
VS VS |
ProHealth Accumulate Information Unavailable |
| Specific Waiting Period |
|---|
Activ One SAVR 24 months |
VS VS |
ProHealth Accumulate Information Unavailable |
| PED Waiting Period |
|---|
Activ One SAVR 36 months |
VS VS |
ProHealth Accumulate Information Unavailable |
| Modern Treatment |
|---|
Activ One SAVR Covered up to base sum insured. |
VS VS |
ProHealth Accumulate Information Unavailable |
| Annual Health Checkup |
|---|
Activ One SAVR Once every policy year |
VS VS |
ProHealth Accumulate Information Unavailable |
| Pre-Hospitalisation |
|---|
Activ One SAVR 90 days |
VS VS |
ProHealth Accumulate Information Unavailable |
| Post-Hospitalisation |
|---|
Activ One SAVR 180 days |
VS VS |
ProHealth Accumulate Information Unavailable |
| Outpatient Department Cover (OPD Expense) |
|---|
Activ One SAVR Chronic care programme is present as an optional add-on, where outpatient doctor consultation, e-consults, and diagnostic tests specifically for managed conditions are present |
VS VS |
ProHealth Accumulate Information Unavailable |
| Deductible Option |
|---|
Activ One SAVR Available |
VS VS |
ProHealth Accumulate Information Unavailable |
| Coverage Options |
|---|
Activ One SAVR Available as individual and floater |
VS VS |
ProHealth Accumulate Information Unavailable |
| Claim Settlement Ratio |
|---|
Activ One SAVR 97% insurer level FY 2025-26 |
VS VS |
ProHealth Accumulate Information Unavailable |
| Maternity Cover |
|---|
Activ One SAVR Not covered under standard policy structure. |
VS VS |
ProHealth Accumulate Information Unavailable |
Insurance Plans Comparison
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Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support
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Every suggestion is backed by expert analysis of your life stage, goals, and budget
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From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free
Insurance Plans Comparison
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