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Aditya Birla Activ Fit (Plus) vs Care Insurance Care
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Aditya Birla Activ Fit (Plus) with similar Health Insurances
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Compare Aditya Birla Activ Fit (Plus) and Care Insurance Care
Claims Track Record:
Aditya Birla Activ Fit (Plus)
Aditya Birla Health Insurance Company Limited has a claim settlement ratio of 94.51%, with claims incurred ratio of 68.31%. The company has a claim settlement ratio of 94.59%, resolved within a 30-day period. However, it's important to mention that the company has received more complaints related to claims and policy purchases compared to other insurers.
Care Insurance Care
Care Health Insurance Company has a claim settlement ratio of 85.64% and a claims incurred ratio of 56.19%. It has settled 99.99% of claims within 30 days. Furthermore, it has a high complaint rate related to claims, as compared to other insurers.
Service Experience:
Aditya Birla Activ Fit (Plus)
When it comes to customer service, Aditya Birla Health Insurance offers support via a toll-free helpline, which is rated as average. On a positive note, their response time on Twitter is notably quick, ensuring a faster resolution for social media queries.
Care Insurance Care
Care Health Insurance Company provides customer support through its toll-free helpline and Twitter channel. While the toll-free response time is quick, their Twitter response time is comparatively slower. Therefore, if you need an immediate response, using the toll-free number might be the preferable choice.
Product Benefits:
Aditya Birla Activ Fit (Plus)
The Aditya Birla Activ Fit (Plus) Plan provides comprehensive coverage, ensuring you're well-protected across various medical needs. This includes both pre-hospitalisation and post-hospitalisation expenses. Specifically, pre-hospitalisation expenses are covered for up to 90 days before admission, while post-hospitalization expenses are taken care of for up to 180 days after discharge - both within the sum insured limit. Additionally, the plan extends to all daycare treatments, domiciliary care, and expenses related to organ donation procedures. It also covers modern treatments and non-medical expenses (as an add-on), offering coverage up to the full sum insured. With the Aditya Birla Activ Fit (Plus) Plan, you get the freedom to select any room during hospitalisation, as there are no room rent limits. Additionally, there is no cap on ICU rent. The policy also does not have copayments or deductibles. Common medical treatments and surgeries, such as cataract procedures and joint replacements, are fully covered up to the sum insured without limitations. However, it’s important to keep in mind that pre-existing diseases have a waiting period of 36 months, while specific conditions carry a 24-month waiting period (48 months for genetic disorders).
Care Insurance Care
The Care Insurance Care Plan offers comprehensive coverage, encompassing hospitalisation expenses, pre-hospitalisation, and post-hospitalisation costs. Pre-hospitalisation expenses are covered for up to 30 days before hospitalisation, while post-hospitalisation expenses are covered for up to 60 days after discharge, all up to the sum insured. Furthermore, the policy covers 541 day care treatments along with modern treatments, both up to the sum insured. Domiciliary treatments (except 12 illnesses) are covered up to 10% of the sum insured and organ donor expenses related to harvesting the organ are covered up to Rs 1 lakh. Consumables are also covered up to the sum insured. With the Care Insurance Care Plan, you can choose only up to a single private AC room during your hospital stay. There is no ICU rent limit or deductible limit. However, there is a 20% copayment for individuals aged 61 years and above. The policy does not impose any restrictions on common treatments or surgeries, such as cataract treatment, joint replacement surgery, etc. Under this plan, the waiting period for pre-existing diseases is 24 months if you choose an add-on, and specific diseases also have a 24-month waiting period.