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 Care (Premier) | HDFC Ergo - Optima Secure |
|---|---|---|
| Room Rent Limit | Any room except suite and above (Add-on) | No limit |
| ICU Limit | Sum Insured | No limit |
| Co-Pay | Yes | No |
| Disease Sub-limit | true (Covered up to: sum insured) | No |
| Initial Waiting (Days) | 30 | 30 |
| Specific Disease Waiting (Years) | 2 | 2 |
| Pre-existing Disease Waiting (Years) | 2 | 3 |
| Pre-Hospitalisation | 30 days (Covered up to: sum insured) | 60 days (Covered up to: sum insured) |
| Post-Hospitalisation | 60 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 (Covered up to: sum insured) |
| Modern Treatments | Yes | Yes |
| Refill on Exhaustion | Available | Available |
| Refill Illness Applicability | Unrelated illness | Related and unrelated illness |
| Refill Trigger | Partial exhaustion of Sum Insured & Bonus | Partial exhaustion of Sum Insured |
| Refill Limit | Once in a policy year | Unlimited times in a policy year (Add-on) |
| Refill Applicable Claim | Subsequent claims | Subsequent claims |
| Consumables | Available as add-on | Yes |
| Bonus Rate | 10% | 50% |
| Bonus Max Limit | 50% | 100% |
| Reduction in Bonus on Claim | Yes | No |
| % Settled < 30 Days | 99.90% | 96.63% |
| % Complaints on Claims | 0.16% | 0.15% |
| Incurred Claim Ratio | 75.97% | 87.04% |
| Claim Settlement Ratio (No.) | 94.09% | 95.19% |
| Claim Settlement Ratio (Value) | 79.61% | 77.69% |
| Claim Rejection Ratio | 3.98% | 2.47% |
| Cashless Hospitals | 11,000+ | 15,000+ |
| Affordability | Expensive | Expensive |
| Plan Type | Individual | Individual |
| Extra Features | NA | Double the sum insured from your first day of coverage |