Policy compare
Compare two plans side-by-side
Compare real policy features side-by-side and quickly spot where one plan is stronger.
| Feature | Aditya Birla - Activ One (MAX) | Niva Bupa - Health Premier (Gold) |
|---|---|---|
| Room Rent Limit | No limit | Capped |
| ICU Limit | No limit | NA |
| Co-Pay | No | NA |
| Disease Sub-limit | No | NA |
| Initial Waiting (Days) | 30 | 30 |
| Specific Disease Waiting (Years) | 2 | 1 |
| Pre-existing Disease Waiting (Years) | 3 | 2 |
| Pre-Hospitalisation | 90 days (Covered up to: sum insured) | NA |
| 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 |
| Modern Treatments | Yes | NA |
| Refill on Exhaustion | Available | Available |
| Refill Illness Applicability | Related and unrelated illness | Related and unrelated illness |
| Refill Trigger | Partial exhaustion of Sum Insured & Bonus | Partial exhaustion of Sum Insured |
| Refill Limit | Unlimited times in a policy year | Once in a policy year |
| Refill Applicable Claim | Subsequent claims | Subsequent claims |
| Consumables | Yes | Yes |
| Bonus Rate | 100% | NA |
| Bonus Max Limit | 500% | 100% |
| Reduction in Bonus on Claim | No | NA |
| % Settled < 30 Days | 99.90% | 99.95% |
| % Complaints on Claims | 0.16% | 0.43% |
| Incurred Claim Ratio | 75.97% | 61.64% |
| Claim Settlement Ratio (No.) | 94.09% | 90.64% |
| Claim Settlement Ratio (Value) | 79.61% | 74.32% |
| Claim Rejection Ratio | 3.98% | 7.30% |
| Cashless Hospitals | 11,000+ | 10,000+ |
| Affordability | Affordable | NA |
| Plan Type | Individual | Individual / Family Floater |
| Extra Features | unique features like HealthReturns™, which rewards healthy habits | NA |