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Compare real policy features side-by-side and quickly spot where one plan is stronger.
| Feature | Aditya Birla - Activ Health Platinum (Enhanced) | Aditya Birla - Activ Health Platinum (Premiere) |
|---|---|---|
| Room Rent Limit | Capped | No limit |
| ICU Limit | No limit | No limit |
| Co-Pay | No | No |
| Disease Sub-limit | No | No |
| Initial Waiting (Days) | 30 | 30 |
| Specific Disease Waiting (Years) | 2 | 2 |
| Pre-existing Disease Waiting (Years) | 3 | 3 |
| Pre-Hospitalisation | 60 days (Covered up to: sum insured) | 60 days (Covered up to: sum insured) |
| Post-Hospitalisation | 180 days (Covered up to: sum insured) | 180 days (Covered up to: sum insured) |
| Daycare Procedures | Yes | Yes |
| Domiciliary | Yes (Covered up to: sum insured) | Yes (Covered up to: sum insured) |
| Organ Donor Cover | Yes (Covered up to: sum insured) | Yes (Covered up to: sum insured) |
| Modern Treatments | Yes | Yes |
| Refill on Exhaustion | Available | Available |
| Refill Illness Applicability | Related and unrelated illness (Add-on) | Related and unrelated illness |
| Refill Trigger | Partial exhaustion of Sum Insured & Bonus | Partial exhaustion of Sum Insured & Bonus |
| Refill Limit | Unlimited times in a policy year (Add-on) | Unlimited times in a policy year |
| Refill Applicable Claim | First paid claim (Add-on) | Subsequent claims |
| Consumables | Available as add-on | Available as add-on |
| Bonus Rate | 50% | 50% |
| Bonus Max Limit | 100% | 100% |
| Reduction in Bonus on Claim | Yes | Yes |
| % Settled < 30 Days | 99.90% | 99.90% |
| % Complaints on Claims | 0.16% | 0.16% |
| Incurred Claim Ratio | 75.97% | 75.97% |
| Claim Settlement Ratio (No.) | 94.09% | 94.09% |
| Claim Settlement Ratio (Value) | 79.61% | 79.61% |
| Claim Rejection Ratio | 3.98% | 3.98% |
| Cashless Hospitals | 11,000+ | 11,000+ |
| Affordability | Affordable | Expensive |
| Plan Type | Individual | Individual |
| Extra Features | Cover increases in line with inflation, consumables covered, and No Claim Bonus is protected if total claim amount is less than 25% of sum insured. | NA |