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 (VIP+) | Niva Bupa - Senior First (Platinum) |
|---|---|---|
| Room Rent Limit | No limit | No limit |
| ICU Limit | No limit | No limit |
| Initial Waiting (Days) | 30 | NA |
| Specific Disease Waiting (Years) | 2 | 2 |
| Pre-existing Disease Waiting (Years) | 3 | NA |
| Pre-Hospitalisation | 90 days (Covered up to: sum insured) | NA |
| Post-Hospitalisation | 180 days (Covered up to: sum insured) | NA |
| Daycare Procedures | Yes (Covered up to: sum insured) | NA |
| 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 | 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 |
| Refill Applicable Claim | Subsequent claims | First paid claim |
| Consumables | Yes | Yes |
| Bonus Rate | NA | 10% |
| Bonus Max Limit | 100% | 100% |
| Reduction in Bonus on Claim | No reduction | 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+ |
| Plan Type | Individual | Individual / Family Floater |