Compare Care vs Aditya Birla Health Insurance Plans
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| Maternity health insurance - JOY | Care(formerly Religare) - Care | Activ Assure Diamond | Activ Health Platinum |
| BUY NOW | BUY NOW | BUY NOW | BUY NOW |
| In-patient Treatment | |||
| Covered | Covered | Covered | Covered |
| Room Rent | |||
| Single private room with AC | 3 & 4 Lakhs: 1% of sum insured per day 5 to 10 Lakhs: Single private room 15 to 75 Lakhs: Single private room,upgradable to next level |
1% of SI per day# - for SI 2 lakhs, 3 lakhs and 4 lakhs Single Private A/C Room - for SI 5 lakhs, 7 lakhs, 10 lakhs Single Private A/C Room - for SI 15 lakhs and above (Upgradable to next level, only if Single Private A/C Room is not available) |
Covered |
| ICU Charges | |||
| Covered | 3 & 4 Lakhs: 2% of sum insured per day 5 to 75 Lakhs: No limit |
2% of SI per day - for SI 2 lakhs, 3 lakhs and 4 lakhs Up to SI - for SI 5 lakhs and above |
Covered |
| Pre-hospitalization | |||
| 30 days before the date of admission to the hospital | Up to 30 days | 30 days | 60 days |
| Post-hospitalization | |||
| 60 days after discharge from the hospital | Up to 60 days | 60 days | 180 days |
| Day Care Procedures | |||
| Covered | Covers more than 540 day Care treatments | 586 listed procedures covered up to SI | Covered up to Sum Insured |
| Domiciliary Treatment | |||
| Not covered | Up to 10% of sum insured | Up to 10% of SI | Covered up to Sum Insured |
| Emergency Ambulance | |||
| Up to a limit of Rs.1,000 per claim | 3 & 4 Lakhs: Rs.1,500 per hospitalisation 5 to 10 Lakhs: Rs.2,000 per hospitalisation 15 to 40 Lakhs: Rs.2,500 per hospitalisation 50 to 75 Lakhs: Rs.3,000 per hospitalisation |
1,500 - for SI 2 lakhs, 3 lakhs, 4 lakhs per event • 2,000 - for SI 5 lakhs - 10 lakhs 2,500 - for SI 15 lakhs - 40 lakhs 3,000 - for SI 50 lakhs - 75 lakhs 5,000 - for SI 1 Crore - 2 Crores |
Available |
| Dental Treatment | |||
| Not covered | Not covered | Not Covered | Available for Sum Insured 15 lakhs and above |
| Bariatric Surgery | |||
| Not covered | Not covered | Not Covered | Not Covered |
| Ayush Benefit | |||
| Not Covered | Covers Non Allopathic treatment like Ayurveda, Homeopathy, Unani & Sidha | 15,000 - for SI 2 lakhs, 3 lakhs, 4 lakhs 20,000 - for SI 5 lakhs - 10 lakhs 30,000 - for SI 15 lakhs - 40 lakhs 40,000 - for SI 50 lakhs - 75 lakhs 50,000 - for SI 1 Crore - 2 Crores |
Covered up to Sum Insured |
| Maternity Benefits | |||
3 Lakhs: Up to Rs.35,000 5 Lakhs: Up to Rs.50,000(Waiting period: 9 months) |
3 & 4 Lakhs: Not Covered 5 to 10 Lakhs: Not Covered 15 to 40 Lakhs: Not Covered 50 to 75 Lakhs: Covered (Waiting period: 24 months) |
Not Covered | Not Covered |
| New Born baby cover | |||
3 lakhs: Up to Rs 30,000 5 lakhs: Up to Rs 50,000 |
Not Covered | Not Covered | Not Covered |
| Vaccination of the new born baby | |||
| Not Covered | Covered | Not Covered | Not Covered |
| Organ Donor Expenses | |||
| Not Covered | Covered(Optional) |
Covered up to sum insured | Covered up to sum insured |
| Vaccination (In case of post bite treatment) | |||
| Not Covered | Covered | Up to 10,000 (Applicable for SI of `1 crore and above) | Not Covered |
| Health Check-up | |||
| Not covered | Covered | Annual | Available, once in a policy year |
| Hospital daily allowance | |||
| Not Covered | Fixed lump sum amount for each completed day of hospitalisation payable for a maximum of 5 consecutive days | Not Covered | Not Covered |
| Co-pay | |||
| 20% co-pay above 60 years | 20% co-pay above 60 years | No co-pay | For Sum Insured 3 lakhs and below - Zone II to Zone I: 10% Zone III to Zone II: 15% Zone III to Zone I: 25% For Sum Insured 4 lakhs and above - Not Applicable |
| Pre-existing diseases coverage | |||
| Covered after 4 years of continuous coverage. | Covered after 4 years of continuous coverage. | Pre-existing disease waiting period: 48 months | |
| Restore Benefit | |||
| Not Covered | Recharge up to 100% of Base Sum Insured per year |
Not covered | |
| General waiting period | |||
| 30 days | 30 days | 30 days | |
| Renewal Benefit / Cumulative Bonus | |||
Covered(Optional) |
10% for every claim free year up to 50% of sum insured | Not covered | |
| Emergency Air Ambulance | |||
| Not Covered | Covered (Optional) |
Available | Available |
| Available sum insured options | |||
| 3 & 5 Lakhs | 3 to 75 Lakhs | Rs.2 to 2 Crores | 2 lakhs, 3 lakhs, 4 lakhs, 5 lakhs, 6 lakhs, 7 lakhs, 8 lakhs, 9 lakhs, 10 lakhs, 15 lakhs, 20 lakhs, 25 lakhs, 30 lakhs, 40 lakhs, 50 lakhs, 100 lakhs, 150 lakhs, 200 lakhs |
| Policy can be purchased for | |||
| 1/2/3 years | 1/2/3 years | - | - |
| Eligibility criteria | |||
| Adults from 18 to 65 years (dependents 91 days to 17 years) | 5 years onwards, Dependent children between 91 days to 5 years can be covered only if both parents are covered under the policy | Individual : Minimum entry age 5 years and there is no maximum age of entry Family Floater : We cover up to 6 members (2 Adults + 4 Children) comprising of Self, Spouse and Dependent children (up to 25 yrs) in a single policy - Dependent children from 91 days to 5 yrs will be covered only if one adult is covered in the floater policy - There is no maximum age of entry |
Family Floater Policy - 91 days – Dependent child - 18 years – Adult, Individual Policy - 5 years |
| Renewability | |||
| Renewal for whole life | Renewal for whole life | - | - |
| Daily Cash for Accompanying an Insured Child | |||
| Not covered | Not covered | Not Covered | Not Covered |
| Portablity (At the time of renewal) |
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| Yes | Yes | No | No |
| Tax Benefits Limit | |||
| Income tax benefit under section 80D | Income tax benefit under section 80D | Income tax benefit under section 80D | Income tax benefit under section 80D |
