Aditya Birla’s Health “Activ Health Platinum Ehnanced Plus Vs Activ One Max”
Sometimes when we compare the two health Insurance products of the same company we find the much greater deviation even for fewer features compared to the new product, many reasons behind this, but main reason old product has too much claim ratio, due to had impacted for at least one or two pandemic.
For the comparisons between the two health insurance products of the same company, we are comparing ABHI’s Newly launched Activ One Max and Vintage Product Activ Health Platinum Enhanced Plus.
| Comparison Features | Activ One Max | Activ Health Platinum Enhanced Plus |
| Entry Age | 18 years to Any age for Adults and 91 Days to 25 Years for Kids | 20 years to Any age for Adults and 91 Days to 25 Years for Kids |
| Family Definition | 2 Adults and 4 Kids | 2 Adults and 3 Kids |
| Cover Type | Family Floater, Individual & Multi-Individual | Family Floater, Individual & Multi-Individual |
| Premium Increase | Age Banded, like, 0-24, 25-35, 36-40, 41-45 and so on | Every Year |
| Premium 3 Zones | Zone I,II & III | Zone I, II & III |
| Basic Sum Insured | 7 Lakh to 2 Cr | 5 Lakh to 2 Cr |
| Room Rent | Any Room, Single Room & Shared Room, Premium will vary accordingly | Any Room, Single Room & Shared Room, Premium will vary accordingly |
| ICU Charges | Actuals Upto Base Sum Insured | Actuals Upto Base Sum Insured |
| Road Ambulance | Actuals Upto Base Sum Insured per hospitalisation | Actual through Network Hospital and 5K through Non-Network Hospital |
| Day Care Treatment | Actuals up to Sum Insured | Actuals up to Sum Insured |
| Modern Procedures / Treatments | Actuals up to the Sum Insured for listed procedures (Industry has 12 listed Modern/Advance Treatments) | Actuals up to the Sum Insured for listed procedures (Industry has 12 listed Modern/Advance Treatments) |
| HIV / AIDS and STD Cover | Actuals up to Sum Insured | Not Cover |
| Mental Illness Hospitalization | Actuals up to Sum Insured | Actuals up to Sum Insured |
| Obesity Treatment | Actuals up to Sum Insured | Actuals up to Sum Insured |
| Pre-Hospitalization Expenses | 90 Days up to Sum Insured | 60 Days up to Sum Insured |
| Post-Hospitalization Expenses | 180 Days up to Sum Insured | 180 Days up to Sum Insured |
| Claim Protect (Non-Medical Expense Waiver) | Non-payable items will be covered (all 4 lists of Annexure I) | Only Annexure I, that covers only 68 Items |
| Domiciliary- Hospitalization | Actuals up to Sum Insured | Actuals up to Sum Insured |
| Home Health Care | Actuals up to Sum Insured | Actuals up to Sum Insured |
| AYUSH Treatment | Actuals up to Sum Insured | Actuals up to Sum Insured |
| Organ Donor Expenses | Actuals up to Sum Insured | Actuals up to Sum Insured |
| Annual Health Check-up | Cover Listed & Cashless | Cover Listed & Cashless |
| Super Reload | from 2nd Claims onwards upto Base Sum Insured | from 2nd Claims onwards upto Base Sum Insured |
| Super Credit (Increases Irrespective of Claim)/ No Claim Bonus | 100% of SI per year, up to 500% of Base Sum Insured (up to Max of 3 Cr under this benefit), that not a condition for claim | Not Available |
| No Claim Bonus | Not applicable, as the product offers Super Credit, that not a condition for any claim | 50% up to 100% of Base SI, if no claim year |
| Clawback of Bonus | Not Applicable | Yes, once a claim in the previous year, NCB will reduce accordingly |
| HealthReturns | Upto 100% | Upto 100% |