Compare Bharti AXA vs Aditya Birla Health Insurance Plans
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| Mediclaim | Premier Mediclaim | Activ Assure Diamond | Activ Health Platinum |
| BUY NOW | BUY NOW | BUY NOW | BUY NOW |
| In-patient Treatment | |||
| Covered up to sum insured | Covered up to sum insured | Covered | Covered |
| Room Rent | |||
| Covered | Covered | 1% of SI per day# - for SI 2 lakhs, 3 lakhs and 4 lakhs Single Private A/C Room - for SI 5 lakhs, 7 lakhs, 10 lakhs Single Private A/C Room - for SI 15 lakhs and above (Upgradable to next level, only if Single Private A/C Room is not available) |
Covered |
| ICU Charges | |||
| Covered | Covered | 2% of SI per day - for SI 2 lakhs, 3 lakhs and 4 lakhs Up to SI - for SI 5 lakhs and above |
Covered |
| Pre-hospitalization | |||
| 60 days(Covered up to sum insured) | 60 days(Covered up to sum insured) | 30 days | 60 days |
| Post-hospitalization | |||
| 90 days(Covered up to sum insured) | 90 days(Covered up to sum insured) | 60 days | 180 days |
| Day Care Procedures | |||
| Up to sum insured as per list provided in policy document | Up to sum insured as per list provided in policy document | 586 listed procedures covered up to SI | Covered up to Sum Insured |
| Domiciliary Treatment | |||
| Covered up to sum insured | Covered up to sum insured | Up to 10% of SI | Covered up to Sum Insured |
| Emergency Ambulance | |||
| Rs.3,000 per event | Rs.3,000 per event | 1,500 - for SI 2 lakhs, 3 lakhs, 4 lakhs per event • 2,000 - for SI 5 lakhs - 10 lakhs 2,500 - for SI 15 lakhs - 40 lakhs 3,000 - for SI 50 lakhs - 75 lakhs 5,000 - for SI 1 Crore - 2 Crores |
Available |
| Dental Treatment | |||
| As per specified limit and plan opted | Not Covered | Not Covered | Available for Sum Insured 15 lakhs and above |
| Bariatric Surgery | |||
| Not Covered | Not Covered | Not Covered | Not Covered |
| Ayush Benefit | |||
| Covered up to sum insured | Covered up to sum insured | 15,000 - for SI 2 lakhs, 3 lakhs, 4 lakhs 20,000 - for SI 5 lakhs - 10 lakhs 30,000 - for SI 15 lakhs - 40 lakhs 40,000 - for SI 50 lakhs - 75 lakhs 50,000 - for SI 1 Crore - 2 Crores |
Covered up to Sum Insured |
| Maternity Benefits | |||
| Covered | Covered | Not Covered | Not Covered |
| New Born baby cover | |||
| Covered | Covered | Not Covered | Not Covered |
| Organ Donor Expenses | |||
| Covered up to sum insured | Covered up to sum insured | Covered up to sum insured | Covered up to sum insured |
| Vaccination (In case of post bite treatment) | |||
| Not Covered | As per specified limit and plan opted | Up to 10,000 (Applicable for SI of `1 crore and above) | Not Covered |
| Health Check-up | |||
| Annual health check-up available | Annual health check-up available | Annual | Available, once in a policy year |
| Hospital daily allowance | |||
| As per specified limit and plan opted | As per specified limit and plan opted | Not Covered | Not Covered |
| Co-pay | |||
| NIL co-pay | NIL co-pay | No co-pay | For Sum Insured 3 lakhs and below - Zone II to Zone I: 10% Zone III to Zone II: 15% Zone III to Zone I: 25% For Sum Insured 4 lakhs and above - Not Applicable |
| Pre-existing diseases coverage | |||
| Covered after 4 years of continuous coverage | Covered after 4 years of continuous coverage | Pre-existing disease waiting period: 48 months | |
| Restore Benefit | |||
| Up to 100% of Base Sum Insured | Up to 100% of Base Sum Insured | Not covered | |
| General waiting period | |||
| 30 days | 30 days | 30 days | |
| Renewal Benefit / Cumulative Bonus | |||
| Covered | For age below 45 years 50% of expiring policy sum insured not exceeding 100% For age above 45 years 20% of expiring policy sum insured not exceeding 100% |
Not covered | |
| Emergency Air Ambulance | |||
| Not Covered | As per specified limit and plan opted | Available | Available |
| Available sum insured options | |||
| Rs.3 & 4 Lakhs | Value: Rs.5 & 7.5 Lakhs Classic: Rs.10 to 20 Lakhs Uber: Rs.30 & 50 Lakhs above |
Rs.2 to 2 Crores | 2 lakhs, 3 lakhs, 4 lakhs, 5 lakhs, 6 lakhs, 7 lakhs, 8 lakhs, 9 lakhs, 10 lakhs, 15 lakhs, 20 lakhs, 25 lakhs, 30 lakhs, 40 lakhs, 50 lakhs, 100 lakhs, 150 lakhs, 200 lakhs |
| Policy can be purchased for | |||
| 1/2/3 years | 1/2/3 years | - | - |
| Eligibility criteria | |||
| 5 years onwards, Dependent children between 91 days to 5 years can be covered only if both parents are covered under the policy | 5 years onwards, Dependent children between 91 days to 5 years can be covered only if both parents are covered under the policy | Individual : Minimum entry age 5 years and there is no maximum age of entry Family Floater : We cover up to 6 members (2 Adults + 4 Children) comprising of Self, Spouse and Dependent children (up to 25 yrs) in a single policy - Dependent children from 91 days to 5 yrs will be covered only if one adult is covered in the floater policy - There is no maximum age of entry |
Family Floater Policy - 91 days – Dependent child - 18 years – Adult, Individual Policy - 5 years |
| Renewability | |||
| Renewal for whole life | Renewal for whole life | Renewal for whole life | Renewal for whole life |
| Daily Cash for Accompanying an Insured Child | |||
| Not Covered | Not Covered | - | - |
| Portablity (At the time of renewal) | |||
| Yes | Yes | No | No |
| Tax Benefits Limit | |||
| Income tax benefit under section 80D | Income tax benefit under section 80D | Income tax benefit under section 80D | Income tax benefit under section 80D |
