Two policies, every clause that decides your claim. No commissions, no sponsored winners.
Activ One (MAX)Aditya Birla · ★ 4.6
vs
Insurance Care SupremeCare · ★ 4.1
Financial Limits
No limit
Room Rent Limit
No limit
No limit
ICU Limit
No limit
No
Co-Pay
No
No
Disease Sub-limit
Yes
Waiting Periods
30
Initial Waiting (Days)
30
2
Specific Disease Waiting (Years)
2
3
Pre-existing Disease Waiting (Years)
1
Pre/Post-Hospitalisation
90 days (Covered up to: sum insured)
Pre-Hospitalisation
60 days
180 days (Covered up to: sum insured)
Post-Hospitalisation
180 days (Covered up to: sum insured)
Yes
Daycare Procedures
Yes
Yes (Covered up to: sum insured)
Domiciliary
Yes (Covered up to: sum insured)
Yes (Covered up to: sum insured)
Organ Donor Cover
Yes (Covered up to: sum insured)
Yes
Modern Treatments
Yes (Covered up to: sum insured)
Coverage Features
Available
Refill on Exhaustion
Available
Related and unrelated illness
Refill Illness Applicability
Related and unrelated illness
Partial exhaustion of Sum Insured & Bonus
Refill Trigger
Full exhaustion of Sum Insured & Bonus
Unlimited times in a policy year
Refill Limit
Unlimited times in a policy year
Subsequent claims
Refill Applicable Claim
Subsequent claims
Yes
Consumables
Yes
Bonus
100%
Bonus Rate
100%
500%
Bonus Max Limit
600%
No
Reduction in Bonus on Claim
No
Claims Experience
99.90%
% Settled < 30 Days
Quick
0.16%
% Complaints on Claims
0.47%
75.97%
Incurred Claim Ratio
66.28%
94.09%
Claim Settlement Ratio (No.)
95.19%
79.61%
Claim Settlement Ratio (Value)
87.97%
3.98%
Claim Rejection Ratio
3.10%
11,000+
Cashless Hospitals
22,100+
Pricing & Extras
Affordable
Affordability
NA
Individual
Plan Type
Individual
unique features like HealthReturns™, which rewards healthy habits
Extra Features
NA
Verdict: Insurance Care Supreme takes it.
Winner: Insurance Care Supreme
Activ One (MAX) · ★ 4.6/5Insurance Care Supreme · ★ 4.1/5
Across 10 compared features, Insurance Care Supreme leads on 7 and Activ One (MAX) on 3. Insurance Care Supreme is the stronger overall pick, notably on Pre-existing Disease Waiting (Years), Modern Treatments and Bonus Max Limit. Activ One (MAX) still wins on Disease Sub-limit, Pre-Hospitalisation and % Complaints on Claims, so weigh those if they matter to you.
Winner is decided by how many of the 10 compared features each plan leads on, with our coverage-and-claims score breaking a tie. Always confirm the fine print before you buy.
