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Aditya Birla Activ Fit (Preferred) vs Aditya Birla Activ Health Platinum (Enhanced)
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Aditya Birla Activ Fit (Preferred) with similar Health Insurances
Aditya Birla Activ Health Platinum (Enhanced) with similar Health Insurances
Compare Aditya Birla Activ Fit (Preferred) and Aditya Birla Activ Health Platinum (Enhanced)
Claims Track Record:
Aditya Birla Activ Fit (Preferred)
The claim settlement ratio of Aditya Birla Health Insurance Company Limited is 94.51%, while the claims incurred ratio is 68.31%. It has resolved 94.59% of claims within a 30-day timeframe. Compared to other insurers, the company has received higher claim-related complaints.
Aditya Birla Activ Health Platinum (Enhanced)
Aditya Birla Health Insurance Company Limited has a claim settlement ratio of 90.24% and claims incurred ratio of 72.71%. It has also settled 98.61% of claims in less than 30 days. They've received higher complaints related to claims compared to other insurers.
Service Experience:
Aditya Birla Activ Fit (Preferred)
Aditya Birla Health Insurance Company Limited offers customer care via a toll-free number and a Twitter account. Their toll-free number has an average response time; however, Twitter has a speedy turnaround.
Aditya Birla Activ Health Platinum (Enhanced)
Aditya Birla Health Insurance Company Limited offers customer service via their toll-free number and Twitter account. Based on our research, their Twitter response rate is quick and their toll-free response rate is average. So, we recommend contacting the company's Twitter handle for assistance in times of need.
Product Benefits:
Aditya Birla Activ Fit (Preferred)
Aditya Birla Activ Fit (Preferred) plan offers extensive coverage that includes hospitalisation costs, pre-hospitalisation, and post-hospitalisation expenses. It's important to note that pre-hospitalisation expenses are covered for up to 90 days before hospital admission and post-hospitalisation expenses up to 180 days after discharge, all up to the sum insured. In addition, the coverage pays for all day care, domiciliary treatments, and expenses of donors for organ donation procedures, as well as modern treatments and consumables (as an add-on) up to the sum insured. Moreover, with the Aditya Birla Activ Fit (Preferred) plan, there are no room rent restrictions, giving you the freedom to select any room. There is no ICU rent limit under the plan as well. The plan does not include a deductible or co-payment. Common medical procedures and treatments, such as joint replacement surgery and cataract treatments, are not restricted by the policy and are therefore covered up to the sum insured. It's essential to note that pre-existing diseases have a 36-month waiting period. For specific diseases, the waiting period is generally 24 months, but it is 48 months for any genetic disorders under this plan.
Aditya Birla Activ Health Platinum (Enhanced)
As part of the Aditya Birla Activ Health Platinum - Enhanced Plan, hospitalisation expenses and pre and post-hospitalisation expenses are covered. Pre-hospitalisation expenses are covered for 60 days before hospitalisation and post-hospitalisation expenses are covered for 180 days after discharge - up to the sum insured. Additionally, the plan covers 586 day care treatments, domiciliary treatments (except 9 illnesses), organ donor expenses related to harvesting the organ, and modern treatments up to the sum insured. Expenses associated with the consumables are covered up to the sum insured – if you opt for an add-on. The Aditya Birla Activ Health Platinum – Enhanced Plan gives you the freedom to choose any room as per your preference without imposing any limits if you opt for an add-on. Further, it has no ICU rent limit, copayment limit, deductible limit, or sub-limits on common treatments/surgeries like cataract treatment, joint replacement surgery, etc. The Aditya Birla Activ Health Platinum – Enhanced Plan has a waiting period of 36 months for pre-existing diseases, a waiting period of 24 months for specific diseases, and a waiting period of 48 months for genetic disorders.