Compare Bajaja Allianz vs Aditya Birla Health Insurance Plans
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| ProHealth | ProHealth Select | Activ Assure Diamond | Activ Health Platinum |
| BUY NOW | BUY NOW | BUY NOW | BUY NOW |
| In-patient Treatment | |||
ProHealth Protect: For sum insured up to Rs.5.5 Lakhs - Covered up to Single Private Room For sum insured Rs.7.5 Lakhs and Above - Covered up to any Room Category except Suite or higher category ProHealth Plus: Any hospital room except Suite ProHealth Preferred: Any hospital room except Suite ProHealth Premier: Any hospital room except Suite ProHealth Accumulate: For sum insured up to Rs.5.5 Lakhs - Covered up to Single Private Room For sum insured Rs.7.5 Lakhs and Above - Covered up to any Room Category except Suite or higher category |
Covered | Covered | Covered |
| Room Rent | |||
| Up to Single Private Room / Unlimited eligibility based on plan opted | Covered up to Single Private Room | 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 up to sum insured | Up to 4% of sum insured for ICU up to a max of 7,000 | 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 | |||
| Up to 60 days Covered | Up to 60 days Covered | 30 days | 60 days |
| Post-hospitalization | |||
| Up to 90 days Covered | Up to 90 days Covered | 60 days | 180 days |
| Day Care Procedures | |||
| 500 plus listed Day Care treatments covered up to sum insured | 171 procedures, covered up to full sum insured | 586 listed procedures covered up to SI | Covered up to Sum Insured |
| Domiciliary Treatment | |||
| Treatment at home covered up to sum insured | Covered up to sum insured | Up to 10% of SI | Covered up to Sum Insured |
| Emergency Ambulance | |||
ProHealth Plus: Up to 2,000 per event ProHealth Protect: Up to 3,000 per event ProHealth Plus: Actual expenses per event ProHealth Preferred & ProHealth Premier: Up to 2,000 per event ProHealth Accumulate: Up to 2,000 per event |
Up to 2,000 per hospitalization 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 | |||
| Not covered | Not covered | Not Covered | Available for Sum Insured 15 lakhs and above |
| Bariatric Surgery | |||
| Yes, if Bariatric surgery cover is opted | Not covered | Not Covered | Not Covered |
| Ayush Benefit | |||
| In-patient hospitalization covered up to sum insured | Coverage for Ayurvedic, Yoga & Naturopathy, Unani, Siddha and Homeopathy up to the limit of 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 | |||
ProHealth Plus: 15,000 for normal; 25,000 for C-section (per event ProHealth Preferred: 50,000 for normal; 1 lac for C-section (per event) ProHealth Premier: 1 lac for normal; 2 lacs for C-section (per event) |
Not covered | Not Covered | Not Covered |
| New Born baby cover | |||
| Covered within maternity expenses | Not 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 | Not covered | Up to 10,000 (Applicable for SI of `1 crore and above) | Not Covered |
| Health Check-up | |||
ProHealth Plus: Available each policy year(excluding the first year ProHealth Protect: Available once every 3 rd policy year ProHealth Preferred & ProHealth Premier: Available each policy year(excluding the first year) ProHealth Accumulate: Available once every 3 rd policy year |
Covered | Annual | Available, once in a policy year |
| Hospital daily allowance | |||
| Not Covered | Not Covered | Not Covered | Not Covered |
| Co-pay | |||
| Covered | Covered | 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 | |||
| Preferred plan & Premier plans covered after 24 months Accumulate & Plus plans covered after 36 months Protect plan covered after 48 months |
Not Covered | Covered after a waiting period of 4 years | Pre-existing disease waiting period: 48 months |
| Restore Benefit | |||
| Up to 100% of Base sum insured per year | Up to 100% of Base sum insured per year | NIL restoration benefit | Not covered |
| General waiting period | |||
| 30 days | 30 days | 30 days | |
| Renewal Benefit / Cumulative Bonus | |||
ProHealth Plus: Available once every 3 rd policy year ProHealth Protect & ProHealth Plus: Guaranteed 5%, Max - 200% ProHealth Preferred & ProHealth Premier: Guaranteed 10%, Max - 200% ProHealth Accumulate: Guaranteed 5%, Max - 200% |
5% each year maximum up to 100% on non-reducing basis | Not covered | |
| Emergency Air Ambulance | |||
| Not Covered | Not Covered | Available | Available |
| Available sum insured options | |||
ProHealth Plus: Rs.4.5, 5.5, 7.5, 10, 15, 20, 25, 30, 50 Lakhs ProHealth Protect: Rs.2.5, 3.5, 4.5, 5.5, 7.5, 10, 15, 20, 25, 30, 50 Lakhs ProHealth Premier: Rs.100 Lakhs ProHealth Preferred: Rs.15, 30, 50 Lakhs ProHealth Accumulate: Rs.5.5, 7.5, 10, 15, 20, 25, 30, 50 Lakhs |
ManipalCigna ProHealth Select Insurance Plan A: Rs.0.5 1,2,3,4,5,7,10,15,20,25 lakhs Plan b: Rs.2,3,4,7,10,15,20,25 lakhs |
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 | |||
| Min Entry Age: Child - 91 days, Adult - 18 years Max Entry Age: No limit |
Minimum Entry Age: 91 Months Maximum Entry Age For Dependent Children: 23 Years Maximum Entry Age for Adults: 65 years |
Individual : Minimum entry age 5 yrs 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 | - | - |
| Daily Cash for Accompanying an Insured Child | |||
| Not covered | Not covered | Not covered | Not covered |
| Portablity (At the time of renewal) |
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| 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 |
