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Insurance Plans Comparison

Aditya Birla Activ One SAVR vs Niva Bupa Health Pulse Classic

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

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Aditya Birla

Activ One SAVR

Activ One SAVR

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
Niva Bupa

Health Pulse Classic

Niva Bupa Health Pulse Classic

What Makes It Special:

A value-focused health plan with Loyalty Additions, a Re-fill benefit and optional add-ons, with a 20% co-payment applying only in specified cities.

Best For:

  • Customers comfortable with room rent limits on lower Sum Insured options.

  • Adults aged 18 to 65 years buying a new policy, subject to eligibility.

  • People who want the option to add Personal Accident or Critical Illness cover.

  • Buyers who want their cover to grow through annual Loyalty Additions.

  • First-time buyers looking for straightforward hospitalisation coverage.

  • Families outside Delhi NCR, Mumbai, Kolkata and Gujarat who want to avoid the plan's city-specific co-payment.

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

Aditya Birla Activ One SAVR

Not available

Niva Bupa Health Pulse Classic

  • The available Sum Insured options for Classic above ₹10 Lakh need confirmation because the prospectus and sales sheet differ.

  • There is no deductible option.

  • Maternity and general OPD treatment are not covered.

  • Pre-existing diseases have a 36-month waiting period.

  • Listed specified conditions have a 24-month waiting period.

  • Pre-hospitalisation cover is limited to 30 days and post-hospitalisation cover to 60 days.

  • For ₹3 Lakh and ₹4 Lakh cover, room rent is limited to 1% of the Base Sum Insured per day and ICU charges to 2% per day.

  • A 20% co-payment applies to treatment in Delhi NCR, Mumbai including Navi Mumbai and Thane, Kolkata and Gujarat.

  • Optional Personal Accident, Critical Illness, Hospital Cash and unlimited e-Consultation benefits are available at additional premiums.

  • Mental illness, HIV/AIDS, domiciliary treatment and modern treatments are covered, with specified sublimits and waiting periods.

  • A single private room is covered for Sum Insured of ₹5 Lakh and above.

  • Re-fill of up to 100% of the Base Sum Insured is available for a different illness or injury. Optional Enhanced Re-fill increases it to 150%.

  • Loyalty Additions add 10% of the Base Sum Insured every policy year, up to 100%.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Activ One SAVR
Activ One SAVR

Health Insurance Plan

Brochure

Policy Wording

VS
Health Pulse Classic
Health Pulse Classic

Health Insurance Plan

Room Rent

Activ One SAVR

Covered up to base sum insured

VS

Health Pulse Classic

  1.  Normal: single A/C private room
  2. ICU: no limit, expenses incurred would be covered by the policy.
ICU Charges

Activ One SAVR

Covered up to base sum insured.

VS

Health Pulse Classic

Information Unavailable

Advanced Treatments

Activ One SAVR

Information Unavailable

VS

Health Pulse Classic

Including robotic surgeries, stem cell therapy (for specific conditions), and modern procedures like laser treatments and bariatric surgery.

Co-payment

Activ One SAVR

No zone-wise co-payment.

VS

Health Pulse Classic

A 20% co-payment applies for treatments in Zone 2. Additionally, policyholders can opt for a 10% or 20% co-payment, which does not reduce the sum insured.

Disease-wise sublimits

Activ One SAVR

No cap on major treatments.

VS

Health Pulse Classic

Information Unavailable

Waiting Period

Activ One SAVR

Information Unavailable

VS

Health Pulse Classic

  1. Initial Waiting Period: A 30-day waiting period applies from the policy's inception, during which claims are not admissible, except for those arising from accidents. 
     
  2. Pre-existing Disease Waiting Period: For the Silver plan, pre-existing diseases are covered after 48 months of continuous coverage. For Gold and Platinum plans, this period is reduced to 24 months.
     
  3. Specific Disease/Procedure Waiting Period: For individuals above 45 years of age, certain listed illnesses and procedures are covered after a 24-month waiting period from the policy's inception. 
Cashless Healthcare Providers

Activ One SAVR

16,500 + current insurer network

VS

Health Pulse Classic

10675+ network hospitals in India.

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

Health Pulse Classic

Information Unavailable

Cumulative Bonus

Activ One SAVR

Super credit structure is present.

VS

Health Pulse Classic

Information Unavailable

Daycare Treatment

Activ One SAVR

Covered

VS

Health Pulse Classic

Covered by the policy.

Consumable Cover

Activ One SAVR

Claim protect is present.

VS

Health Pulse Classic

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

Health Pulse Classic

Covered by the policy.

Initial Waiting Period

Activ One SAVR

30 days

VS

Health Pulse Classic

Information Unavailable

Specific Waiting Period

Activ One SAVR

24 months

VS

Health Pulse Classic

Information Unavailable

PED Waiting Period

Activ One SAVR

36 months

VS

Health Pulse Classic

Information Unavailable

Modern Treatment

Activ One SAVR

Covered up to base sum insured.

VS

Health Pulse Classic

Information Unavailable

Annual Health Checkup

Activ One SAVR

Once every policy year

VS

Health Pulse Classic

Information Unavailable

Pre-Hospitalisation

Activ One SAVR

90 days

VS

Health Pulse Classic

Information Unavailable

Post-Hospitalisation

Activ One SAVR

180 days

VS

Health Pulse Classic

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

Health Pulse Classic

Information Unavailable

Deductible Option

Activ One SAVR

Available

VS

Health Pulse Classic

Information Unavailable

Coverage Options

Activ One SAVR

Available as individual and floater

VS

Health Pulse Classic

Information Unavailable

Claim Settlement Ratio

Activ One SAVR

97% insurer level FY 2025-26

VS

Health Pulse Classic

Information Unavailable

Maternity Cover

Activ One SAVR

Not covered under standard policy structure.

VS

Health Pulse Classic

Information Unavailable

Insurance Plans Comparison

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Why Choose Our Expert Consultation?

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Free Expert Consultation

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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.

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