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Aditya Birla Health Insurance Activ Health Platinum-Essential - 50 Thousand to 10 Lakhs Vs IFFCO Tokio Individual Health Protector - 50 Thousand to 4.5 Lakh Health Plan Comparison

Aditya Birla Health Insurance
Activ Health
Platinum-Essential
50 Thousand to 10 Lakhs
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IFFCO Tokio
Individual Health Protector
50 Thousand to 4.5 Lakh
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Policy Tenures (Years)
1,2,3
1
Minimum Entry Age (Adult)
18
18
Maximum Entry Age (Adult)
Lifelong
55
Minimum Entry Age (Child)
91 Days
3 Month
Maximum Entry Age (Child)
5
Maximum Renewal Age
Lifelong
Lifelong
Fees of Surgeon, Anesthetic, Nurses etc
Fully Covered
Actual
No. of Day Care Treatments Covered
527
161
OPD Benefit
No Pre-Policy Medical Tests Age
45
Compulsory for all ages
Room Rent
Actual Rent
Not Covered
ICU Rent
Actual Rent
Not Covered
Waiting Period for Pre-existing Diseases (months)
48
48
Waiting Period for Named Ailments (months)
24
24
Pre-hospitalisation Expenses
Actual expenses for Upto 30 days
Actual expenses for Upto 45 days
Post-hospitalisation Expenses
Actual expenses for Upto 60 days
Actual expenses for Upto 60 days
Domiciliary Treatment
Actual expenses
Not Covered
Maternity Expenses
Optional
Not Covered
Newborn Coverage
Not Covered
Not Covered
Recharge of Sum Assured
Hospital Cash Benefit
Optional
Ambulance Charges (Rs.)
2000
1%(one percent) of the sum insured or Rs. 2500 (tw
Air Ambulance Charges (Rs.)
Not Covered
Not Covered
Recovery Benefit
Health Check up
Covered , 1% (one percent) of the average sum insured during the block of four claim free policies.
Organ Donor Expenses
Actual expenses
Actual expenses
Ayurvedic Treatment
Not covered
Actual expenses
Second Opinion
Not covered
Not covered
e-Opinion
Covered
Not covered
Cumulative Bonus
Yes, 5% (five percent) of the basic sum insured at each renewal in respect of each claim free year of insurance, subject to maximum of 50% (fifty percent) of the insured person’s basic sum insured of the expiring
Co-payment
Cashless Hospital Network
No Cashless Treatment
No Cashless Treatment
Free Look Period
0 days
15 days
Grace Period
0 days
International Treatment
Not covered
Not covered
Tax Benefit
Yes, under section 80D
Yes, under section 80D
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