“Comparing Aditya Birla Activ Health Platinum Essentials Vs HDFC Optima Secure : Which Plan is Right for You?”

Is it logical to choose the lowest features of health insurance plans instead of comprehensive ones in some situations?

The answer is yes, but it depends on a few situations, like:-

When the applicant’s age is too high

All insurance companies increase the premium of health insurance plans every 2-3 years, citing medical inflation. In some policies, the premium increases even when the age band changes and in some plans, the premium increases every year with the increase in age. In this situation, the premium is more likely too high due to higher age.

Suffering from Chronic Medical Conditions or co-morbid medical conditions

If a person already has some medical condition that is never cured, such as Asthma, Hypertension, Hyperlipidemia, Diabetes etc. In such a situation, the insurance company increases the premium of the policy because the person suffering from these medical conditions has more risk of getting other diseases as compared to a healthy person.

Affordability

In India, affordability issues are common as most Indians are middle-class family background

Insurance Planning should be a very smart decision, So, choose it wisely.

Now, we have the choice of very affordable health insurance exclusively designed for 55 Years and above persons. It is “Aditya Birla’s “Activ Health Platinum Essential Plan” For a better understanding of the features of this plan we are comparing it with HDFC Ergo Flagship Plan ” HDFC Optima Secure”

Sr. No	Basis of Comparison	HDFC Ergo Optima Secure	Aditya Birla Health Essentials
1	Entry Age Adult	Minimum 18 Years & Maximum No Capping	55 & above (at least one member should be 55 Years)
2	Entry Age Child	91 Days to 25 years	Not Allowed
3	Family Floater Combination	2 Adults + 3 Kids	2 Adults
4	Base Sum Insured offer	10 Lakh to 2 Cr	5 Lakh to 2 Cr
5	Room Type	Any Room	For any Room, Single Pvt AC Room and Shared Room, the premium will vary depending upon the room type selection
6	ICU Coverage	Upto SI	Upto SI
7	Road Ambulance	Upto Base Sum Insured	Upto SI through Network Hospital and 3K through Non-Network Hospital
8	Modern/Advance Medical Treatment	Upto Base Sum Insured	Upto SI for Listed Procedures, but 50% Co-Payment will be applicable for robotic Surgery
9	HIV/AIDS and STD Coverage	Upto Base Sum Insured	Not Covered
10	Mental Illness Hospitalisation	Upto Base Sum Insured	Upto Base Sum Insured
11	Obesity Treatment	Upto Base Sum Insured	Upto Base Sum Insured
12	Pre-Hospitalisation	60 days before the Hospitalization	30 days before the Hospitalization
13	Post-Hospitalisation	180 days after the discharge from the Hospital	60 days after the discharge from the Hospital
14	Non-Medical Expenses Waiver	Non-payable items will be covered, all 4 lists prescribed by IRDA and include 146 items that are defined by IRDA as non-medical Expenses Waiver	Not Cover, but optional basis only for 68 items
15	Domiciliary Hospitalisation	Actuals up to Sum Insured	Actuals up to Sum Insured
16	Home Health Care	Actuals up to Sum Insured	Upto 50K
17	AYUSH Treatment	Actuals up to Sum Insured	Actuals up to Sum Insured
18	Organ Donor Expenses	Actuals up to Sum Insured	Not Cover
19	Annual Health Check-up	Cover Listed & Cashless	Cover Listed & Cashless
20	Super Reload	As an Optional Cover, if opted will work 2X of Base Sum Insured from 1st Claim	Not Available
21	Super Credit / No Claim Bonus	100% upto 400%	No Claim Bonus  10% upto 100%, will reduce with the same % if claimed
22	Health Returns	Not Available	Upto 50%
23	Zonal Premim Applicability	Yes, Urban (Zone-I), Semi-Urban (Zone-II) and Rural (Zone-III), premiums will be lower for lower Zones	Yes, Urban (Zone-I), Semi-Urban (Zone-II) and Rural (Zone-III), premiums will be lower for lower Zones
24	PED Waiting Periods	36 Months	36 Months
25	Specific Surgery Waiting Periods	24 months, for listed specific surgery / procedures	24 months, for listed specific surgery / procedures
25	Sub Limits	24 months, for listed specific surgery / procedures no sub-limits applicable	24 months, for listed specific surgery / procedures, applicable
26	Age Band Premium	After 5 years of age bracket e.g 40-45 then 46-50 and so on	Every Year
27	Rate	Highest from Industry	Lowest from Industry
28	Hospital Cash	Optional basis	Optional Basis