Comparing Aditya Birla Activ One Max Plus Vs Niva Bupa ReAssure 2.0 Titanium Plus : Which Plan is Right for You?”
Both plans are comprehensive indemnity health insurance plans, it depends on the individual to individuals, which plan better suits them
Here are the key differences between the health insurance plans:-
| Sr. No | Features & Benefits | Niva BupaTitanium Plus | Aditya Birla Activ One Max Plus |
| 1 | Entry Age Adults | 18 years to 65 Years | 18 years to Any Age |
| 2 | Entry Age Child | 91 Days to 30 Years & Min 5 Years for Individual | 91 Days to 25 Years & Min 5 Years for Individual |
| 3 | Policy Type | Individual /Multi-Individual & Family Floater | Individual /Multi-Individual & Family Floater |
| 4 | Tenure | 1/2/3 Years | 1/2/3 Years |
| 5 | Family Definition | Sel+Spouse and 5 Dependents Childs upto 30 Years | Sel+Spouse and 4 Dependents Childs upto 25 Years |
| 6 | Premium Type | Age Banded and Lock the Clock | Age band , year band premium will be vary |
| 7 | Premium Zones | Zone -2 : Metro & Non-Metro | Zone I, II & III |
| 8 | Relationship Cover | Self, spouse, mother, father, mother-in-law, father-in-law, son, daughter, employer, employee | Self, Legally Married Spouse OR Live-in Partner (Same Or Opposite Sex), Son, Daughter, Brother, Sister, Grandson, Granddaughter, Son in-Law, Daughter-in-Law, Brother-in-Law, Sister-in-Law, Nephew, Niece, Parents and Parents-in-Law |
| 9 | Basic Sum Insured | 10 Lakh to 1 Cr | 10 Lakh to 2 Cr |
| 10 | Room Rent | Single Pvt Room & Shared Room | Any Room |
| 11 | Shared Accommodation Benefit | Up to Rs.15 Lakh Base Sum Insured: Rs.800 per day; Maximum Rs.4,800 & Above 15 lakh Base Sum Insured Rs.1000 per Day; Maximum Rs.6000 | Not Available |
| 12 | ICU Charges | Up to the Sum Insured | Up to the Sum Insured |
| 13 | Ambulance | Road Ambulance: Up to Sum Insured, Air Ambulance: up to Rs. 2.5 Lakh per hospitalization | Actuals up to Sum Insured, Air Ambulance not available |
| 14 | Day Care Treatment | Up to the Sum Insured | Up to the Sum Insured |
| 15 | Modern Procedures / Treatments | Covered up to Sum Insured with a sub-limit of Rs.1 Lakh per claim on a few robotic surgeries, for listed Modern Treatment | Upto the SI no sum-limits |
| 16 | HIV / AIDS and STD Cover | Not Cover | Cover Upto the SI |
| 17 | Mental Illness Hospitalization | Up to the Sum Insured | Actuals up to Sum Insured |
| 18 | Obesity Treatment | Up to the Sum Insured | Up to the Sum Insured |
| 19 | Pre-Hospitalization Expenses | 60 Days up to Sum Insured | 90 Days up to Sum Insured |
| 20 | Post-Hospitalization Expenses | 180 Days up to Sum Insured | 180 Days up to Sum Insured |
| 21 | Domiciliary- Hospitalization | Up to the Sum Insured | Up to the Sum Insured |
| 22 | Home Health Care | Home Health Care | Home Health Care |
| 23 | AYUSH Treatment | Covered up to the Sum Insured with a sub-limit of Rs.1 Lakh per claim on a few robotic surgeries | Actuals up to Sum Insured |
| 24 | Organ Donor Expenses | Up to the Sum Insured | Up to the Sum Insured |
| 25 | Annual Health Check-up | For a defined list of tests; up to Rs.500 for every Rs.1 Lakh Base Sum Insured; (Individual: Maximum Irs. 5,000 per Insured; Family Floater: Maximum Rs. 10,000 per policy). | (Listed & Cashless) |
| 26 | Advance Health Checkups | Not Available | 1. Computed tomography angiography (New onset heart failure, Acute chest pain of uncertain cause, Discordant ECG and imaging results aer stress imaging, New or worsening symptoms with a past normal stress imaging study and Decreased Ejection fraction. 2. Positron emission tomography (Investigation of the extent of pre-identified tumor, Identification of metastatic disease and Staging of Prima Cancer, Assessment of patients with elevated thyroglobulin and negative iodine scans for recurrent disease, Preoperative staging of non-small cell prima lung tumors and To exclude other metastatic disease prior to metastectomy) |
| 27 | ReAssureX/ Super Reload | Unlimited times Claim will be paid up to the Base Sum Insured and the rest will be carried forward | Unlimited times the Claim will be paid up to the Base Sum Insured and the rest will be carried forward |
| 28 | Booster+/ Super Credit | 10X: Unutilized Base Sum Insured carries forward to the next policy year, a maximum of up to 10 times | 6X: Unutilized Base Sum Insured carries forward to the next policy year, a maximum of up to 6 times |
| 2889 | Live Healthy- Renewal Discount / Health Returns | Up to 30% discount on premium at the time of Renewal. | Up to 100% discount on premium at the time of Renewal. |
| 30 | Second Medical Opinion | Once in a policy year for Any Conditions | Once in a policy year for Any Conditions |
| 31 | E-consultation | Unlimited e-consultation within our network | Unlimited e-consultation within our network |
| 32 | Pre-Existing Waiting Period | 36 Months | 36 Months |
| 33 | Lifestyle Medical Conditions waiting periods | As per the Pre-Existing Waiting Period | From Day 1 for IPD for Asthma, BP, Cholesterol, Diabetic, COPD, Obesity and Coronary artery disease (PTCA done prior to a year) |
| 34 | Durable Equipment Cover | Not Available | Yes, Combined Sub-limit of INR 5 Lacs or up to SI, whichever is lower, Ventilator, Wheelchair, Prosthetic device, Suction Machine, Commode Chairs, Infusion pump, Continuous Passive motion devices in case of Knee Replacement, Infusion pump and Oxygen concentrator |
