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Health Insurance · head to head

Platinum Health Plan vs Activ Fit

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Aditya Birla Health

Activ Fit

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Quick verdict

  • Platinum Health Plan is better for shorter waiting periods.
  • Activ Fit is better for longer pre- and post-hospital cover.

Computed from stored specifications, the published health insurance scoring rules and recorded prices. Not an opinion.

Specifications side by side

Spec
Platinum Health Plan
Activ Fit
Cover
Plan type
Individual and family floater
Individual and family floater
Sum insured options
1 crore
5 lakh, 7 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 30 lakh, 40 lakh, 50 lakh, 75 lakh, 1 crore
Highest sum insured
100 lakh
100 lakh
Entry age
—
18 years (adult); 91 days (dependent child, floater); 5 years (individual policy) to 45 years
Room rent
No limits; any room of choice; no ICU day/charge limits
Any Room (SI Rs 5 lacs and above)
Co-payment
Zero co-pay as a standard feature
Nil
Waiting periods
Initial waiting period
0 days
30 days
Pre-existing disease waiting
—
36 months
Specific illness waiting
0 months
24 months
Benefits
Pre-hospitalisation
60 days
90 days
Post-hospitalisation
180 days
180 days
Day-care treatment
Yes
Yes
AYUSH treatment
Yes
Yes
Restore benefit
Coverage gets restored unlimited times in a year
Binge Refill: up to 100% of Sum Insured, unlimited times, for any illness/injury
No-claim bonus
—
10% of SI per annum, max up to 100% (optional Super No Claim Bonus 50% per annum, max 100%)
Maternity
Optional add-on: 'Covers delivery expenses and newborn care after the applicable waiting period'
Preferred plan only: normal delivery Rs 40,000 / C-section Rs 60,000 over and above base SI, after 36 months waiting period
OPD
Optional add-on: 'Doctor visits, tests and chemist bills outside the hospital'
Optional cover only
Insurer
Health incurred claim ratio (insurer)
57.82%
71.5%
Claims figures for
FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
Network hospitals (insurer)
13,200
—
IRDAI UIN
ACKHLIP25035V022425
ADIHLIP22008V012223

A tick marks the better value where the category rules say higher (or lower) is better. Text values are shown without a winner. Ties have no winner.

Pros and cons

Platinum Health Plan

  • Pro: Specific illnesses covered after no waiting period, sooner than 95% of the 46 health insurance plans on Comparezi that state it
  • Pro: No co-payment on claims
  • Pro: No room-rent cap

Activ Fit

  • Pro: 90 days of pre-hospitalisation cover, longer than 79% of the 49 health insurance plans on Comparezi that state it
  • Pro: No co-payment on claims
  • Pro: No room-rent cap
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