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 (Smart) | ManipalCigna - Sarvah (Uttam) |
|---|---|---|
| Room Rent Limit | NA | Capped |
| Co-Pay | NA | Yes |
| Disease Sub-limit | NA | Yes |
| Pre-existing Disease Waiting (Years) | 1 | 3 |
| Daycare Procedures | NA | Yes (Covered up to: sum insured) |
| Domiciliary | NA | Yes (Covered up to: sum insured) |
| Organ Donor Cover | NA | No (Covered up to: sum insured) |
| Modern Treatments | NA | Yes |
| Refill on Exhaustion | Available | Available |
| Refill Illness Applicability | Related and unrelated illness | Related and unrelated illness |
| Refill Trigger | Partial exhaustion of Sum Insured | Partial exhaustion of Sum Insured |
| Refill Limit | Unlimited times in a policy year | Unlimited times in a policy year (Add-on) |
| Refill Applicable Claim | Subsequent claims | Subsequent claims (Add-on) |
| Consumables | NA | No |
| Bonus Max Limit | NA | 1000% |
| % Settled < 30 Days | 99.90% | 98.69% |
| % Complaints on Claims | 0.16% | 0.25% |
| Incurred Claim Ratio | 75.97% | 75.45% |
| Claim Settlement Ratio (No.) | 94.09% | 93.07% |
| Claim Settlement Ratio (Value) | 79.61% | 66.77% |
| Claim Rejection Ratio | 3.98% | 6.24% |
| Cashless Hospitals | 11,000+ | 26,000+ |
| Plan Type | Individual | Individual |