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| Feature | Aditya Birla - Activ One (Smart) | Care - Insurance Care Supreme |
|---|---|---|
| Co-Pay | NA | No |
| Disease Sub-limit | NA | Yes |
| Initial Waiting (Days) | NA | 30 |
| Specific Disease Waiting (Years) | NA | 2 |
| Pre-existing Disease Waiting (Years) | 1 | 1 |
| Post-Hospitalisation | NA | 180 days (Covered up to: sum insured) |
| Domiciliary | NA | Yes (Covered up to: sum insured) |
| Organ Donor Cover | NA | Yes (Covered up to: sum insured) |
| Refill on Exhaustion | Available | Available |
| Refill Illness Applicability | Related and unrelated illness | Related and unrelated illness |
| Refill Trigger | Partial exhaustion of Sum Insured | NA |
| Refill Limit | Unlimited times in a policy year | Unlimited times in a policy year |
| Refill Applicable Claim | Subsequent claims | Subsequent claims |
| Consumables | NA | Yes |
| Bonus Rate | NA | 100% |
| Bonus Max Limit | NA | 600% |
| % Settled < 30 Days | 99.90% | Quick |
| % Complaints on Claims | 0.16% | 0.47% |
| Incurred Claim Ratio | 75.97% | 66.28% |
| Claim Settlement Ratio (No.) | 94.09% | 95.19% |
| Claim Settlement Ratio (Value) | 79.61% | 87.97% |
| Claim Rejection Ratio | 3.98% | 3.10% |
| Cashless Hospitals | 11,000+ | 22,100+ |
| Plan Type | Individual | Individual |