Compare Health Insurance
Aditya Birla Activ Fit (Plus) vs HDFC Ergo Optima Secure
View detail comparison
Aditya Birla Activ Fit (Plus) with similar Health Insurances
HDFC Ergo Optima Secure with similar Health Insurances
Compare Aditya Birla Activ Fit (Plus) and HDFC Ergo Optima Secure
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.
HDFC Ergo Optima Secure
HDFC ERGO General Insurance Company Limited has a claim settlement ratio of 83.31% and a claims incurred ratio of 83.53%. It has resolved 95.75% of claims within a 30-day timeframe. The company has received fewer complaints 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.
HDFC Ergo Optima Secure
HDFC ERGO General Insurance Company Limited provides customer support through both a toll-free helpline and their Twitter handle. It's worth noting that their response time on both channels is average.
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).
HDFC Ergo Optima Secure
The HDFC Ergo Optima Secure 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 60 days before hospital admission and post-hospitalisation expenses up to 180 days after discharge, all up to the sum insured. Moreover, the policy covers all day care treatments, domiciliary treatments, inpatient expenses related to organ donation procedures, modern treatments, and consumables up to the sum insured. The HDFC Ergo Optima Secure Plan offers you the flexibility to choose any room without imposing room rent limits. Furthermore, there is no ICU rent limit or copayments. However, an optional deductible is applicable under the policy and you have the flexibility to choose from the following options: Rs 25,000, Rs 50,000, or Rs 1,00,000. The policy does not impose restrictions on common medical treatments or surgeries, like cataract treatments, joint replacement surgeries, etc. ensuring they are covered up to the sum insured. It's essential to note that pre-existing diseases have a 36-month waiting period while specific diseases have a 24-month waiting period under this plan.