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Aditya Birla Health Insurance Activ Health Platinum-Essential - 50 Thousand to 10 Lakhs Vs Kotak General Insurance Kotak Health Care Premium - 5 & 10 Lakh Health Plan Comparison

Aditya Birla Health Insurance
Activ Health
Platinum-Essential
50 Thousand to 10 Lakhs
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Kotak General Insurance
Kotak Health Care
Premium
5 & 10 Lakh
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Policy Tenures (Years)
1,2,3
1,2,3
Minimum Entry Age (Adult)
18
18
Maximum Entry Age (Adult)
Lifelong
65
Minimum Entry Age (Child)
91 Days
91 days
Maximum Entry Age (Child)
5
25
Maximum Renewal Age
Lifelong
Lifelong
Fees of Surgeon, Anesthetic, Nurses etc
Fully Covered
0
No. of Day Care Treatments Covered
527
149
OPD Benefit
No Pre-Policy Medical Tests Age
45
50
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 30 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
Waiting period of 36 months
Newborn Coverage
Not Covered
Actual expenses for 90
Recharge of Sum Assured
Hospital Cash Benefit
Optional
Optional
Ambulance Charges (Rs.)
2000
1500
Air Ambulance Charges (Rs.)
Not Covered
Not Covered
Recovery Benefit
Health Check up
Covered , Free Health Check-up
Organ Donor Expenses
Actual expenses
Not covered
Ayurvedic Treatment
Not covered
Not covered
Second Opinion
Not covered
Not covered
e-Opinion
Covered
Not covered
Cumulative Bonus
Yes, 10% on your Base Annual Sum Insured on renewal of this Policy, provided there has been no claim throughout the policy period up to a maximum of 50% of Base Annual Sum Insured.
Co-payment
Cashless Hospital Network
No Cashless Treatment
4000 hospitals across India
Free Look Period
0 days
15 days
Grace Period
30 days
International Treatment
Not covered
Not covered
Tax Benefit
Yes, under section 80D
Yes, under section 80D
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