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Insurance Plans Comparison

TATA AIG Medicare Plus vs Aditya Birla Activ One VIP

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

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TATA AIG

Medicare Plus

Affordable super top-up health insurance with higher coverage, flexible deductibles and additional protection.

What Makes It Special:

Tata AIG Medicare Plus is a comprehensive health insurance plan that covers hospitalization, pre- and post-hospitalization, daycare procedures, and cashless treatment across a wide hospital network. With high sum insured options and useful add-ons, it ensures financial security and peace of mind for individuals and families against rising healthcare costs.

Best For:

  • Add-ons for extra protection

  • Covers daycare & hospitalization care

  • Easy cashless treatment nationwide

  • High coverage for you & your family

VS
Aditya Birla

Activ One VIP

Activ One VIP Plan

What Makes It Special:

Activ One VIP is the global-cover-oriented Activ One variant, combining domestic health insurance with emergency international coverage and specified major-illness and maternity benefits outside India.

Best For:

  • Advanced treatment and wellness plan

  • Unlimited sum insured restoration

  • Family floater with extensive benefits

  • Ultra-high coverage health insurance

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

TATA AIG Medicare Plus

  • You want a family-friendly plan that ensures peace of mind

  • You want add-ons like global cover or critical illness protection

  • You want daycare, pre- and post-hospitalization expenses covered

  • You want cashless treatment at top hospitals nationwide

  • You want wide coverage with a high sum insured

Aditya Birla Activ One VIP

  • You enjoy wellness rewards and annual health check-ups from day one

  • You value maternity and modern medical treatments

  • You want freedom with no room rent or co-payment limits

  • You prefer unlimited sum insured refills (Super Reload)

  • You want very high medical coverage up to ₹6 crore

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Medicare Plus
Medicare Plus

Health Insurance Plan

Brochure

Policy Wording

VS
Activ One VIP
Activ One VIP

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Medicare Plus

No capping on room rent or ICU charges.

VS

Activ One VIP

All room categories are covered

ICU Charges

Medicare Plus

No restriction on ICU room rent

VS

Activ One VIP

No restriction on ICU room rent

Disease-wise sublimits

Medicare Plus

No

VS

Activ One VIP

No

Co-payment

Medicare Plus

Not available

VS

Activ One VIP

Yes


Waiting Period

Medicare Plus

  1. Initial waiting period: 30 Days

     

  2. Specific Waiting Periods: 24 Months 

     

  3. Pre-Existing Diseases: 36 Months 
VS

Activ One VIP

Information Unavailable

Restoration Benefit

Medicare Plus

Not available

VS

Activ One VIP

Not available

Cashless Healthcare Providers

Medicare Plus

12046+ Healthcare Providers

VS

Activ One VIP

11000+ Healthcare Providers

Cumulative Bonus

Medicare Plus

Your sum insured increases by 50% for every claim-free year, upto 100%. If a claim is made during the policy year, the cumulative bonus is reduced by 50% in the next policy year

VS

Activ One VIP

Your sum insured increases by 50% every year, maximum up to 100%

Daycare Treatment

Medicare Plus

Cover expenses for listed Day Care Treatment due to disease/illness/Injury during the policy period taken at a hospital or a Day Care Centre. 

VS

Activ One VIP

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

AYUSH Treatment

Medicare Plus

Covers treatments under Ayurveda, Unani, Siddha, and Homeopathy systems.

VS

Activ One VIP

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

Consumable Cover

Medicare Plus

Yes

VS

Activ One VIP

Yes

Initial Waiting Period

Medicare Plus

30 days

VS

Activ One VIP

30 days

Specific Waiting Period

Medicare Plus

2 years

VS

Activ One VIP

2 years

PED Waiting Period

Medicare Plus

3 years

VS

Activ One VIP

3 years

Modern Treatment

Medicare Plus

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

VS

Activ One VIP

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Annual Health Checkup

Medicare Plus

Health check-up is available once every policy year, from day 1 of the policy

VS

Activ One VIP

Not available

Pre-Hospitalisation

Medicare Plus

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

VS

Activ One VIP

You get cover for medical tests and doctor visits up to 90 days before hospitalisation, if your main claim is approved

Post-Hospitalisation

Medicare Plus

You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it

VS

Activ One VIP

You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it

Outpatient Department Cover (OPD Expense)

Medicare Plus

OPD expense is not included

VS

Activ One VIP

OPD expenses are covered

Deductible Option

Medicare Plus

Available

VS

Activ One VIP

Not available

Coverage Options

Medicare Plus

Available coverage options: ₹3L, ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L and ₹1 Cr

VS

Activ One VIP

Available coverage options: ₹50 Lacs, ₹75 Lacs, ₹1 Cr, ₹2 Cr, ₹3 Cr, ₹4 Cr, ₹5 Cr, ₹6 Cr

Claim Settlement Ratio

Medicare Plus

95.43%

VS

Activ One VIP

96%

Maternity Cover

Medicare Plus

Not available

VS

Activ One VIP

Available

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

End-to-End Support

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

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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