Two policies, every clause that decides your claim. No commissions, no sponsored winners.
Activ One (MAX)Aditya Birla · ★ 4.6
vs
Optima SecureHDFC Ergo · ★ 4.7
Financial Limits
No limit
Room Rent Limit
No limit
No limit
ICU Limit
No limit
No
Co-Pay
No
No
Disease Sub-limit
No
Waiting Periods
30
Initial Waiting (Days)
30
2
Specific Disease Waiting (Years)
2
3
Pre-existing Disease Waiting (Years)
3
Pre/Post-Hospitalisation
90 days (Covered up to: sum insured)
Pre-Hospitalisation
60 days (Covered up to: sum insured)
180 days (Covered up to: sum insured)
Post-Hospitalisation
180 days (Covered up to: sum insured)
Yes
Daycare Procedures
Yes (Covered up to: sum insured)
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
Partial exhaustion of Sum Insured
Unlimited times in a policy year
Refill Limit
Unlimited times in a policy year (Add-on)
Subsequent claims
Refill Applicable Claim
Subsequent claims
Yes
Consumables
Yes
Bonus
100%
Bonus Rate
50%
500%
Bonus Max Limit
100%
No
Reduction in Bonus on Claim
No
Claims Experience
99.90%
% Settled < 30 Days
96.63%
0.16%
% Complaints on Claims
0.15%
75.97%
Incurred Claim Ratio
87.04%
94.09%
Claim Settlement Ratio (No.)
95.19%
79.61%
Claim Settlement Ratio (Value)
77.69%
3.98%
Claim Rejection Ratio
2.47%
11,000+
Cashless Hospitals
15,000+
Pricing & Extras
Affordable
Affordability
Expensive
Individual
Plan Type
Individual
unique features like HealthReturns™, which rewards healthy habits
Extra Features
Double the sum insured from your first day of coverage
Verdict: Activ One (MAX) takes it.
Winner: Activ One (MAX)
Activ One (MAX) · ★ 4.6/5Optima Secure · ★ 4.7/5
Across 13 compared features, Activ One (MAX) leads on 7 and Optima Secure on 6. Activ One (MAX) is the stronger overall pick, notably on Pre-Hospitalisation, Refill Limit and Bonus Rate. Optima Secure still wins on Daycare Procedures, Modern Treatments and % Complaints on Claims, so weigh those if they matter to you.
Winner is decided by how many of the 13 compared features each plan leads on, with our coverage-and-claims score breaking a tie. Always confirm the fine print before you buy.
