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Aditya Birla Health Insurance Activ Health Platinum-Essential - 50 Thousand to 10 Lakhs Vs Max Bupa Heartbeat Health Insurance Individual - Gold - 10 Lakh Health Plan Comparison

Aditya Birla Health Insurance
Activ Health
Platinum-Essential
50 Thousand to 10 Lakhs
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Max Bupa
Heartbeat Health Insurance
Individual - Gold
10 Lakh
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Policy Tenures (Years)
1,2,3
1,2
Minimum Entry Age (Adult)
18
18
Maximum Entry Age (Adult)
Lifelong
100
Minimum Entry Age (Child)
91 Days
91 days
Maximum Entry Age (Child)
5
21
Maximum Renewal Age
Lifelong
Lifelong
Fees of Surgeon, Anesthetic, Nurses etc
Fully Covered
Fully Covered
No. of Day Care Treatments Covered
527
All
OPD Benefit
No Pre-Policy Medical Tests Age
45
Compulsory for all ages
Room Rent
Actual Rent
Actual Rent
ICU Rent
Actual Rent
Actual Rent
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 60 days
Post-hospitalisation Expenses
Actual expenses for Upto 60 days
Actual expenses for Upto 90 days
Domiciliary Treatment
Actual expenses
Actual expenses
Maternity Expenses
Optional
Waiting period of 24 months
Newborn Coverage
Not Covered
Actual expenses for
Recharge of Sum Assured
Hospital Cash Benefit
Optional
Optional
Ambulance Charges (Rs.)
2000
Not Covered
Air Ambulance Charges (Rs.)
Not Covered
Not Covered
Recovery Benefit
Health Check up
Covered , Annually covered up to 2,500 per insured person
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, 10% of base Sum Insured per annum maximum up to 100% of base Sum Insured
Co-payment
% of Sum Assured , Options of 10% and 20% co-payment
Cashless Hospital Network
No Cashless Treatment
3500 hospitals across India
Free Look Period
0 days
15 days
Grace Period
International Treatment
Not covered
Not covered
Tax Benefit
Yes, under section 80D
Yes, under section 80D
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