Universal Sompo vs Aditya Birla Health Insurance

Compare Bajaja Allianz vs Aditya Birla Health Insurance Plans

Plan Type
Health
Coverage type
Coverage State
Coverage City
Date of birth
  OR age    years
Coverage amount
Gender
Policy duration
Start date
End date
* Name, Email Id & Mobile No. are required 
universal-sompo universal-sompo Aditya Birla diamond Activ Health Platinum
Complete Healthcare Arogya Sanjeevani Activ Assure Diamond Activ Health Platinum
BUY NOW BUY NOW BUY NOW BUY NOW
In-patient Treatment
Covered Covered Covered Covered
Room Rent
Covered Up to 2% of the sum insured subject to maximum of Rs.5,000 per day 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 5% of the sum insured subject to maximum of Rs.10,000 per day 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
30 days before the date of admission to the hospital 30 days before the date of admission to the hospital 30 days 60 days
Post-hospitalization
60 days after discharge from the hospital 60 days after discharge from the hospital 60 days 180 days
Day Care Procedures
141 day care expenses covered Covered 586 listed procedures covered up to SI Covered up to Sum Insured
Domiciliary Treatment
Covered Not Covered Up to 10% of SI Covered up to Sum Insured
Emergency Ambulance
Basic: Up to 1% of sum insured or Rs.1,000 or actuals whichever is less
Essential: Up to 1% of sum insured or Rs.2,000 or actuals whichever is less
Privilege: Up to 1% of sum insured or Rs.3,000 or actuals whichever is less
Subject to a maximum of 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
Up to 100% of In-patient treatment sum insured
(In case of accident)
Dental treatment necessitated due to disease or injury 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 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
Basic: Not Covered
Essential:
Normal Delivery: Up to Rs.15,000 or actuals whichever is less
Caesarean Delivery: Up to Rs 25,000 (including pre and post natal expenses up to Rs.2,000) or actuals whichever is less
Privilege:
Normal Delivery: Up to Rs.25,000 or actuals whichever is less
Caesarean Delivery: Up to Rs.50,000 (including pre and post natal expenses up to Rs.2,000) or actuals whichever is less
(waiting period: 3 years)
Not Covered Not Covered Not Covered
New Born baby cover
Basic: Not Covered
Essential & Privilege: Up to Basic sum insured from 1st Day till expiry of Policy or the child is 91 days old whichever is earlier
Not Covered Not Covered Not Covered
Daily Cash for Accompanying an Insured Child
Basic: Not Covered
Essential: Rs.300 per day subject to maximum of Rs.9,000
Privilege: Rs.500 per day subject to maximum of Rs.15,000
Not Covered Not Covered Not Covered
Organ Donor Expenses
Covered Not Covered Covered up to sum insured Covered up to sum insured
Vaccination (In case of post bite treatment)
Up to 100% of In-patient Treatment Sum Insured or actuals whichever is less Not Covered Up to 10,000 (Applicable for SI of `1 crore and above) Not Covered
Health Check-up
Individual: 1 Coupon at the end of every claims two continuous claims free year
Family Floater: 2 Coupon at the end of every claims two continuous claims free year
Not Covered Annual Available, once in a policy year
Hospital daily allowance
Basic: Rs.200 per day
Essential: Rs.500 per day
Privilege: Rs.1,000 per day
(Hospitalisation exceeds 3 days for a maximum number of 7 days)
Not Covered Not Covered Not Covered
Co-pay
10% co-pay applicable for treatment in Non Network hospitals 5% Co pay applicable on all claims 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 3 years of continuous coverage Covered after a waiting period of 4 years 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 Not Covered NIL restoration benefit Not covered
General waiting period
30 days 30 days 30 days
Renewal Benefit / Cumulative Bonus
10% every year, maximum up to 50% of sum insured 5% for every claim free year up to 50% of sum insured Not covered
Emergency Air Ambulance
Not Covered Not Covered Available Available
Available sum insured options
Basic: Rs.1 & 2 Lakhs
Essential: Rs.3 to 5 Lakhs
Privilege: Rs.6 to 10 Lakhs
Rs.1 to 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
1/2/3 years 1 year - -
Eligibility criteria
Adults from 18 to 70 years (dependents 91 days to 17 years) Adults from 18 to 65 years (dependents 91 days to 17 years) 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 - -
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
Health Insurance Priority

India health insurance blogs and articles

Tips for buying best mediclaim insurance

India health insurance tips and tricks to choose the best medical insurance in India Click here to read more

Top reasons for health insurance claims rejection

Find out the different reasons why a medical insurance claim is rejected, Cashless hospitalization, Reimbursement. Click here to read more

India health insurance coverage, factors and premium calculator

Factors for medical insurance in India, How much is the premium and the coverage offered by India health insurance plans..Click here to read more

India health insurance useful links

How to buy online?

You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque

Know more »

Health insurance benefits

Insurance customers can quickly compare the details of benefits offered under Indian mediclaim insurance policies.

Know more »

Compare health plans

Compare Indian health insurance policies, Health insurance India comparison

Know more »

Portability

Portability Information for Mediclaim Insurance in India

Know more »

India health insurance Blogs

Health Insurance Blogs - Information on health or medical insurance coverage in India.

Know more »

Health insurance FAQ

FAQ related to Indian health insurance. Get answers for any health insurance questions

Know more »

EIndia Health Insurance Partners

  • Tata Aig
  • bajaj-allianz
  • reliance
  • cholamandalam
  • religare health Insurance
  • apollo
  • Star Health
  • max bupa
  • future generali
  • go digit
  • hdfc ergo
  • cigna ttk
  • universal sompo
  • SBI
  • iffco tokio
  • Cigna TTK
  • Aditya Birla
  • Raheja QBE
  • New India Logo
  • Oriental Logo
  • bharti axa health Insurance Plans
  • kotak

Indian Health Insurance Resources

CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2025