Compare TATA AIG vs Aditya Birla Health Insurance Plans
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| Lifeline health | Family Plus | Arogya Sanjeevani | Activ Assure Diamond | Activ Health Platinum |
| BUY NOW | BUY NOW | BUY NOW | BUY NOW | BUY NOW |
| In-patient Treatment | ||||
| Covered up to sum insured | Covered up to sum insured | Covered | Covered | Covered |
| Room Rent | ||||
| No Room Rent Capping | No Room Rent Capping | Up to 2% of sum insured subject to a maximum of Rs.5000 | 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 | ||||
| Not covered | No Room Rent Capping | Up to 5% of sum insured subject to a maximum of Rs.10000 | 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 | ||||
Classic: Covered up to 30 days Supreme: Covered up to 60 days Elite: Covered up to 60 days |
Up to 60 days | Up to 30 days | 30 days | 60 days |
| Post-hospitalization | ||||
Classic: Covered up to 60 days Supreme: Covered up to 90 days Elite: Covered up to 180 days |
Up to 180 days | Up to 60 days | 60 days | 180 days |
| Day Care Procedures | ||||
| Covered up to sum insured | Covered up to sum insured | Covered up to sum insured | 586 listed procedures covered up to SI | Covered up to Sum Insured |
| Domiciliary Treatment | ||||
| Covered up to sum insured | Covered up to sum insured | Not covered | Up to 10% of SI | Covered up to Sum Insured |
| Emergency Ambulance | ||||
Classic: Up to Rs.3,000 Supreme: Up to Rs.5,000 Elite: Up to Rs.10,000 |
Up to Rs 4,000 | Up to Rs.2,000 per hospitalisation | 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 | Not Covered | Available for Sum Insured 15 lakhs and above |
| Bariatric Surgery | ||||
| Not Covered | Not Covered | Not Covered | Not Covered | Not Covered |
| Ayush Benefit | ||||
Classic: Government Hospitals - Covered up to sum insured Other Hospitals - Covered up to Rs.20,000 Supreme: Government Hospitals - Covered up to sum insured Other Hospitals - Covered up to Rs.30,000 Elite: Government Hospitals - Covered up to sum insured Other Hospitals - Covered up to Rs.50,000 |
Government Hospitals - Covered up to sum insured Other Hospitals - Covered up to Rs.50,000 |
Available 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 | ||||
Classic: Not covered Supreme: Not covered Elite: 25,30,50 Lakhs: Rs.200000 100,150 Lakhs: Rs.250000 |
INR 50,000, per delivery | Not covered | Not Covered | Not Covered |
| New Born baby cover | ||||
Classic: Not covered Supreme: Not covered Elite: Rs.25 lakhs: Rs.625,000 Rs.30 lakhs: Rs.750,000 Rs.50 Lakhs: Rs.1,250,000 Rs.100 lakhs: Rs.2,500,000 Rs.150 lakhs: Rs.3,750,000 |
Covered | Not covered | Not Covered | Not Covered |
| Organ Donor Expenses | ||||
| Covered up to sum insured | Covered up to sum insured | Not covered | Covered up to sum insured | Covered up to sum insured |
| Vaccination (In case of post bite treatment) | ||||
Classic: Up to Rs.2,500 Supreme: Up to Rs.5,000 Elite: Up to Rs.7,500 |
Up to Rs.5,000 covered | Not covered | Up to 10,000 (Applicable for SI of `1 crore and above) | Not Covered |
| Health Check-up | ||||
Classic: Not covered Supreme: Annual Elite: Annual |
Covered | Not covered | Annual | Available, once in a policy year |
| Hospital daily allowance | ||||
| Not covered | Not covered | Not covered | Not Covered | Not Covered |
| Co-pay | ||||
| Covered | Covered | Co-payment of 5% applicable | 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 | ||||
Classic: Covered after 48 months Supreme: Covered after 36 months Elite: Covered after 24 months |
Covered after 36 months | Covered after 48 months | Pre-existing disease waiting period: 48 months | |
| Restore Benefit | ||||
| Not covered | Not covered | Not covered | Not covered | |
| General waiting period | ||||
| 30 days | 30 days | 30 days | 30 days | |
| Renewal Benefit / Cumulative Bonus | ||||
| Covered | Covered | 5% in respect of each claim free year subject to a maximum of 50% of sum insured, in the event of claim Cumulative Bonus shall be reduced at the same rate. | Not covered | |
| Emergency Air Ambulance | ||||
| Not covered | Not covered | Not covered | Available | Available |
| Available sum insured options | ||||
Classic: 2/3/4 Lakhs Supreme: 5/10/15/20/50 Lakhs Elite: 25/30/50/100/150 Lakhs |
Individual - Rs.2/3/5/10/15 lakhs Floater - Rs.3/4/10/15/20/25/50 lakhs |
Rs.1/1.5/2/2.5/3 /3.5/4/4.5/5 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 years | 1/2 years | 1 years | - | - |
| Eligibility criteria | ||||
| Adults from 18 to 65 years (dependents 91 days to 5 years) | There is No Restriction on Maximum Entry Age | Adults from 18 to 65 years (dependents 3 months to 25 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 | Renewal for whole life | - | - |
| Daily Cash for Accompanying an Insured Child | ||||
| Not covered | Not covered | Not covered | - | - |
| Portablity (At the time of renewal) | ||||
| Yes | 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 | Income tax benefit under section 80D |
