Insurance Plans Comparison
TATA AIG Medicare Senior vs Aditya Birla Active Assure Diamond
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreMedicare Senior
Medicare Senior
What Makes It Special:
Comprehensive health insurance coverage with hospitalization, day care, pre and post-hospitalization, AYUSH, restoration and additional health benefits.
Best For:
Customers looking for additional protection through benefits such as global cover, consumables and second medical opinion
Individuals seeking additional benefits such as restoration, Cumulative Bonus and preventive health check-ups
Customers looking for AYUSH treatment and domiciliary hospitalization coverage
Individuals seeking inpatient and Day Care Treatment coverage
Senior citizens looking for comprehensive health insurance coverage
VS
Active Assure Diamond
Aditya Birla Activ Assure Diamond
What Makes It Special:
Activ Assure Diamond is a budget-friendly, new-age health plan from Aditya Birla that combines no-room-rent-capping coverage, modern treatment cover, wellness rewards, and a reload benefit of up to 150% of Sum Insured in one affordable package.
Best For:
Those wanting accidental and cancer hospitalisation boosters
Customers looking for modern treatment coverage like robotic surgeries and oral chemotherapy
People wanting wellness-linked premium rewards(HealthReturns™)
Buyers who want no capping on room rent for higher Sum Insured options
Families and individuals looking for affordable, comprehensive 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
Consider Before Buying: Choosing a room category higher than the eligible category mentioned in the policy schedule results in the policyholder bearing 10% of the admissible claim amount.
Consider Before Buying: A 36-month waiting period applies to pre-existing diseases and a 24-month waiting period applies to specified diseases and procedures, subject to the policy terms.
Reasons to Consider: A 50% Cumulative Bonus is added after every claim-free policy year, up to a maximum of 100% of the Sum Insured.
Reasons to Consider: The policy provides automatic restoration of the Basic Sum Insured once during the policy period, subject to applicable conditions.
Reasons to Consider: The policy covers inpatient treatment, Day Care Treatment, pre and post-hospitalization expenses, AYUSH treatment and domiciliary hospitalization.
Check the waiting periods and daycare treatment caps carefully before purchase
May not suit buyers looking for in-built OPD or maternity coverage
Suitable for buyers who want extra cover for accidental or cancer hospitalisation through boosters
Useful for people who want to earn up to 30% of premium back through HealthReturns™ wellness rewards
Good option if you want a budget-friendly plan with no room rent capping on higher Sum Insured options
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Medicare Senior Health Insurance Plan VS VS |
Active Assure Diamond Health Insurance Plan |
| Room Rent |
|---|
Medicare Senior Covered according to the room category specified in the Policy Schedule. |
VS VS |
Active Assure Diamond Normal: Varies by variant — General Room / Twin Sharing / All rooms except Deluxe & Suite / Any room covered ICU: Covered up to Sum Insured |
| ICU Charges |
|---|
Medicare Senior Covered as part of eligible inpatient hospitalisation expenses, subject to the Sum Insured and policy terms. |
VS VS |
Active Assure Diamond Covered up to the Sum Insured. No separate capping applies on ICU charges when room rent is unrestricted. |
| Co-payment |
|---|
Medicare Senior 10% of the admissible claim amount applies when the insured chooses a room category higher than the eligible room category. |
VS VS |
Active Assure Diamond Not a core feature of this variant — verify availability from policy wordings. |
| Disease-wise sublimits |
|---|
Medicare Senior Applicable limits may apply to specific benefits and treatments as specified in the policy. |
VS VS |
Active Assure Diamond Certain treatments carry sub-limits — for example, domiciliary hospitalisation is capped at 10% of Sum Insured. |
| Cashless Healthcare Providers |
|---|
Medicare Senior Cashless treatment available at network providers, subject to pre-authorisation and applicable policy conditions. |
VS VS |
Active Assure Diamond Cashless treatment available at 10,051+ network hospitals across India. |
| Restoration Benefit |
|---|
Medicare Senior Basic Sum Insured is automatically restored once during the policy period after exhaustion of the Sum Insured and accrued Cumulative Bonus, subject to applicable conditions. |
VS VS |
Active Assure Diamond Reload of Sum Insured up to 150%, max up to ₹50 lakh, when the Sum Insured gets exhausted. |
| Cumulative Bonus |
|---|
Medicare Senior 50% of Sum Insured for every claim-free year, up to a maximum of 100% of Sum Insured. |
VS VS |
Active Assure Diamond Earn 10% of Sum Insured per claim-free year, accumulating up to 50% of Sum Insured. The Super No Claim Bonus add-on doubles your Sum Insured after 2 consecutive claim-free years (not available above ₹1 Cr SI). Accumulated bonus reduces if a claim is made; Super NCB requires continuous renewal without break. |
| Daycare Treatment |
|---|
Medicare Senior Listed Day Care Procedures are covered as specified under the policy. |
VS VS |
Active Assure Diamond 586 daycare procedures covered, even when hospitalisation is less than 24 hours. |
| Consumable Cover |
|---|
Medicare Senior Covered for specified consumables as per the policy terms. |
VS VS |
Active Assure Diamond Non-medical consumables such as gloves, oxygen masks, and similar items used during hospitalisation are covered. Covered within the Sum Insured, subject to policy terms. |
| AYUSH Treatment |
|---|
Medicare Senior Covered for eligible inpatient treatment in an AYUSH Hospital. |
VS VS |
Active Assure Diamond Covered — in-patient hospitalisation at AYUSH hospitals is covered subject to policy terms. |
| Initial Waiting Period |
|---|
Medicare Senior 30 days, except for claims arising from accidents |
VS VS |
Active Assure Diamond 30 days from policy inception for general illnesses(verify from policy wordings). Accidental hospitalisation is covered from day 1. |
| Specific Waiting Period |
|---|
Medicare Senior 24 months for specified diseases and procedures, subject to applicable policy terms. |
VS VS |
Active Assure Diamond 2 years for listed specific diseases/procedures(verify from policy wordings. Coverage begins only after the waiting period is served with continuous renewal. |
| PED Waiting Period |
|---|
Medicare Senior 36 months of continuous coverage. |
VS VS |
Active Assure Diamond 2 years for pre-existing diseases(per Policybazaar; verify from policy wordings — some sources indicate 3 years, so confirm before purchase. PED coverage begins after the waiting period, subject to continuous renewal. |
| Modern Treatment |
|---|
Medicare Senior Covered as per applicable policy terms and conditions. |
VS VS |
Active Assure Diamond Covered for listed modern treatment methods, including Robotic Surgeries, Oral Chemotherapy, Balloon Sinuplasty, and other new-age treatments, with no separate financial limit on modern treatment coverage. Coverage is subject to the treatment being listed in the policy and medically necessary. |
| Annual Health Checkup |
|---|
Medicare Senior Available once after every two continuous claim-free policy years, subject to the applicable limit and policy conditions. |
VS VS |
Active Assure Diamond Cashless annual health check-up available from day 1 through the insurer's app/network. Check-up must be availed through the designated channel and is subject to network availability. |
| Pre-Hospitalisation |
|---|
Medicare Senior Covered for up to 60 days before hospitalisation. |
VS VS |
Active Assure Diamond Pre-hospitalisation medical expenses covered up to the Sum Insured for 30 days prior to hospitalisation. |
| Post-Hospitalisation |
|---|
Medicare Senior Covered for up to 90 days after discharge. |
VS VS |
Active Assure Diamond Post-hospitalisation medical expenses covered up to the Sum Insured for 60 days following discharge. |
| Outpatient Department Cover (OPD Expense) |
|---|
Medicare Senior Not covered as a general base OPD benefit. |
VS VS |
Active Assure Diamond Not available as in-built OPD cover in this variant. |
| Deductible Option |
|---|
Medicare Senior Not specified as a standard deductible option. |
VS VS |
Active Assure Diamond Not a core feature of this variant — verify availability from policy wordings. |
| Coverage Options |
|---|
Medicare Senior Individual and Family Floater options, subject to the Sum Insured options available under the policy. |
VS VS |
Active Assure Diamond Sum Insured options from ₹2 lakh up to ₹2 crore, with flexible choices based on budget and family needs. |
| Claim Settlement Ratio |
|---|
Medicare Senior Not specified in the supplied policy document. |
VS VS |
Active Assure Diamond Aditya Birla Health Insurance maintains a strong claim settlement track record; the exact ratio for this variant should be verified from the latest IRDAI annual report. |
| Maternity Cover |
|---|
Medicare Senior Not covered under the base policy. |
VS VS |
Active Assure Diamond Not available as an in-built benefit in this variant. |
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?
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
Secure against age-related medical costs
Tailored for seniors healthcare needs
Most Popular
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
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.
Explore Our Most Popular Plans
Compare With Other Health Insurance Plans
Medicare Senior vs Optima Secure
Medicare Senior vs Optima Secure Plus
Medicare Senior vs Cancer Cover Activ Cancer Secure Plan
Medicare Senior vs Women Care
Medicare Senior vs Activate Booster Plan A
Medicare Senior vs Active Care Premier
Medicare Senior vs ProHealth Accumulate
Medicare Senior vs Supreme Shine
Medicare Senior vs Optima Secure Global Plus
Medicare Senior vs myHealth Suraksha Gold
Medicare Senior vs LifeTime Health Global
Medicare Senior vs Active Fit Plus
Medicare Senior vs Activ Health Platinum Essential
Medicare Senior vs Medicare Plus
Medicare Senior vs Medicare Protect
Medicare Senior vs Activ One SAVR
Medicare Senior vs Active Assure Diamond
Medicare Senior vs Activ One VIP
Medicare Senior vs Advantage
Medicare Senior vs Assure
Medicare Senior vs Activ One Max
Medicare Senior vs Classic
Medicare Senior vs Activ One Vytl
Medicare Senior vs Supreme
Medicare Senior vs Freedom
Medicare Senior vs Joy Today
Medicare Senior vs Medi Classic
Medicare Senior vs Activate Booster Plan B
Medicare Senior vs Health Recharge Super Top Up Plan
Medicare Senior vs Plus Complete
Medicare Senior vs EquiCover
Medicare Senior vs Activ One VIP+
Medicare Senior vs Reassure 3.0 Select
Medicare Senior vs Medicare Premier
Medicare Senior vs Plus Youth
Medicare Senior vs Optima Lite
Medicare Senior vs ProHealth Prime Protect
Medicare Senior vs Supreme Senior Premium
Medicare Senior vs myHealth Suraksha Platinum
Medicare Senior vs Supreme Senior Super
Medicare Senior vs Medicare
Medicare Senior vs Ultimate (Direct)
Medicare Senior vs Sarvah Param
Medicare Senior vs Optima Insurance
Medicare Senior vs Smart Super Health Assure
Medicare Senior vs Health Guard Platinum
Medicare Senior vs Health Guard Gold
Medicare Senior vs Extra Care Plus Super Top-up
Medicare Senior vs Health Care Supreme Smart
Medicare Senior vs Smart Health Pro
Medicare Senior vs Medi Classic Gold
Medicare Senior vs Optima Super Secure
Medicare Senior vs Special Care
Medicare Senior vs Medicare LITE
Medicare Senior vs Health Shield 360
Medicare Senior vs SecureHealth
Medicare Senior vs Supreme (Direct)
Medicare Senior vs Mediclaim Insurance Policy
Medicare Senior vs Young Star Gold
Medicare Senior vs myHealth Koti Suraksha
Medicare Senior vs Senior
Medicare Senior vs myHealth Suraksha Silver
Medicare Senior vs Cancer Care Platinum
Medicare Senior vs Royal Sundaram Lifeline Elite
Medicare Senior vs Supreme Enhance One
Medicare Senior vs Supreme Enhance Two
Medicare Senior vs Health Companion Variant 2022
Medicare Senior vs Elder Care
Medicare Senior vs HeartBeat Gold
Medicare Senior vs Health SuperCharge
Medicare Senior vs iHealth Plus
Medicare Senior vs HeartBeat Enhanced
Medicare Senior vs ProHealth Prime Advantage
Medicare Senior vs Active Fit Preferred
Medicare Senior vs Senior Health Advantage
Medicare Senior vs Reassure 3.0 Elite
Medicare Senior vs Reassure 2.0 Platinum+
Medicare Senior vs Health Wallet
Medicare Senior vs Elevate
Medicare Senior vs Heart
Medicare Senior vs Reassure 2.0 Titanium+
Medicare Senior vs LifeTime Health
Medicare Senior vs ProHealth Prime Active
Medicare Senior vs ProHealth Prime Senior Elite
Medicare Senior vs Advanced Top Up
Medicare Senior vs Multiplier Health
Medicare Senior vs Joy Tomorrow
Medicare Senior vs Reassure 2.0 Bronze+
Medicare Senior vs Star Women Care Policy
Medicare Senior vs Young Star Silver
Medicare Senior vs Reassure 3.0
Medicare Senior vs Joy
Medicare Senior vs Supreme Senior Health AdvantEdge
Medicare Senior vs Family Plus
Medicare Senior vs Criti Shield Plus
Medicare Senior vs Health Care Supreme Ultimo
Medicare Senior vs Health Shield 360 Retail
Medicare Senior vs Supreme Super Saver
Medicare Senior vs Super Star
Medicare Senior vs Senior First Platinum
Medicare Senior vs Optima Secure Global
Medicare Senior vs NextGen
Medicare Senior vs Health Insurance Platinum
Medicare Senior vs Energy Silver With Copay
Active Assure Diamond vs Optima Secure
Active Assure Diamond vs Optima Secure Plus
Active Assure Diamond vs Cancer Cover Activ Cancer Secure Plan
Active Assure Diamond vs Women Care
Active Assure Diamond vs Activate Booster Plan A
Active Assure Diamond vs Active Care Premier
Active Assure Diamond vs ProHealth Accumulate
Active Assure Diamond vs Supreme Shine
Active Assure Diamond vs Optima Secure Global Plus
Active Assure Diamond vs myHealth Suraksha Gold
Active Assure Diamond vs LifeTime Health Global
Active Assure Diamond vs Active Fit Plus
Active Assure Diamond vs Activ Health Platinum Essential
Active Assure Diamond vs Medicare Plus
Active Assure Diamond vs Medicare Senior
Active Assure Diamond vs Medicare Protect
Active Assure Diamond vs Activ One SAVR
Active Assure Diamond vs Activ One VIP
Active Assure Diamond vs Advantage
Active Assure Diamond vs Assure
Active Assure Diamond vs Activ One Max
Active Assure Diamond vs Classic
Active Assure Diamond vs Activ One Vytl
Active Assure Diamond vs Supreme
Active Assure Diamond vs Freedom
Active Assure Diamond vs Joy Today
Active Assure Diamond vs Medi Classic
Active Assure Diamond vs Activate Booster Plan B
Active Assure Diamond vs Health Recharge Super Top Up Plan
Active Assure Diamond vs Plus Complete
Active Assure Diamond vs EquiCover
Active Assure Diamond vs Activ One VIP+
Active Assure Diamond vs Reassure 3.0 Select
Active Assure Diamond vs Medicare Premier
Active Assure Diamond vs Plus Youth
Active Assure Diamond vs Optima Lite
Active Assure Diamond vs ProHealth Prime Protect
Active Assure Diamond vs Supreme Senior Premium
Active Assure Diamond vs myHealth Suraksha Platinum
Active Assure Diamond vs Supreme Senior Super
Active Assure Diamond vs Medicare
Active Assure Diamond vs Ultimate (Direct)
Active Assure Diamond vs Sarvah Param
Active Assure Diamond vs Optima Insurance
Active Assure Diamond vs Smart Super Health Assure
Active Assure Diamond vs Health Guard Platinum
Active Assure Diamond vs Health Guard Gold
Active Assure Diamond vs Extra Care Plus Super Top-up
Active Assure Diamond vs Health Care Supreme Smart
Active Assure Diamond vs Smart Health Pro
Active Assure Diamond vs Medi Classic Gold
Active Assure Diamond vs Optima Super Secure
Active Assure Diamond vs Special Care
Active Assure Diamond vs Medicare LITE
Active Assure Diamond vs Health Shield 360
Active Assure Diamond vs SecureHealth
Active Assure Diamond vs Supreme (Direct)
Active Assure Diamond vs Mediclaim Insurance Policy
Active Assure Diamond vs Young Star Gold
Active Assure Diamond vs myHealth Koti Suraksha
Active Assure Diamond vs Senior
Active Assure Diamond vs myHealth Suraksha Silver
Active Assure Diamond vs Cancer Care Platinum
Active Assure Diamond vs Royal Sundaram Lifeline Elite
Active Assure Diamond vs Supreme Enhance One
Active Assure Diamond vs Supreme Enhance Two
Active Assure Diamond vs Health Companion Variant 2022
Active Assure Diamond vs Elder Care
Active Assure Diamond vs HeartBeat Gold
Active Assure Diamond vs Health SuperCharge
Active Assure Diamond vs iHealth Plus
Active Assure Diamond vs HeartBeat Enhanced
Active Assure Diamond vs ProHealth Prime Advantage
Active Assure Diamond vs Active Fit Preferred
Active Assure Diamond vs Senior Health Advantage
Active Assure Diamond vs Reassure 3.0 Elite
Active Assure Diamond vs Reassure 2.0 Platinum+
Active Assure Diamond vs Health Wallet
Active Assure Diamond vs Elevate
Active Assure Diamond vs Heart
Active Assure Diamond vs Reassure 2.0 Titanium+
Active Assure Diamond vs LifeTime Health
Active Assure Diamond vs ProHealth Prime Active
Active Assure Diamond vs ProHealth Prime Senior Elite
Active Assure Diamond vs Advanced Top Up
Active Assure Diamond vs Multiplier Health
Active Assure Diamond vs Joy Tomorrow
Active Assure Diamond vs Reassure 2.0 Bronze+
Active Assure Diamond vs Star Women Care Policy
Active Assure Diamond vs Young Star Silver
Active Assure Diamond vs Reassure 3.0
Active Assure Diamond vs Joy
Active Assure Diamond vs Supreme Senior Health AdvantEdge
Active Assure Diamond vs Family Plus
Active Assure Diamond vs Criti Shield Plus
Active Assure Diamond vs Health Care Supreme Ultimo
Active Assure Diamond vs Health Shield 360 Retail
Active Assure Diamond vs Supreme Super Saver
Active Assure Diamond vs Super Star
Active Assure Diamond vs Senior First Platinum
Active Assure Diamond vs Optima Secure Global
Active Assure Diamond vs NextGen
Active Assure Diamond vs Health Insurance Platinum
Active Assure Diamond vs Energy Silver With Copay
Chat with PolicyPal
Get a free policy review
No pressure. No product push. Just honest advice.






.png)

