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Aditya Birla Activ Fit (Preferred) vs Care Insurance Care Supreme
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Aditya Birla Activ Fit (Preferred) with similar Health Insurances
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Compare Aditya Birla Activ Fit (Preferred) and Care Insurance Care Supreme
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.
Care Insurance Care Supreme
Whenever it comes to settling claims, Care Health Insurance Company has a claim settlement ratio of 85.64% and claims incurred ratio of 56.19%. Also, 99.99% of claims were settled in less than 30 days. And, they have higher complaints related to claims as 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.
Care Insurance Care Supreme
Care Health Insurance provides customer service via its toll-free number and Twitter channel. According to our research, their Twitter response rate is slow and their toll-free response rate is quick. So, if you're in need of an immediate response, the toll-free number may be the better option.
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.
Care Insurance Care Supreme
The Care Insurance Care Supreme Plan provides coverage for hospitalisation expenses as well as pre and post-hospitalisation expenses. 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. The insurer also covers all day care treatments, domiciliary treatments (except 12 illnesses), organ donor expenses related to harvesting the organ, and modern treatments up to the sum insured. Consumables are also covered up to the sum insured if you opt for an add-on. Care Insurance Care Supreme Plan gives you the freedom to choose any room without imposing any limit. There is no ICU rent limit and copayment/deductible limit. Furthermore, the insurer doesn’t impose any limit on common treatments/surgeries like cataract treatment, joint replacement surgery, etc. Under the Care Insurance Care Supreme Plan, pre-existing diseases have a 12-month waiting period (if you opt for an add-on) and specific diseases have a 24-month waiting period.