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Health Insurance · head to head

Activ Health Platinum Enhanced vs Galaxy Marvel - Neo Plan

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Quick verdict

  • Galaxy Marvel - Neo Plan 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
Activ Health Platinum Enhanced
Galaxy Marvel - Neo Plan
Cover
Plan type
Individual and family floater
Individual and family floater
Sum insured options
2 lakh, 3 lakh, 4 lakh, 5 lakh, 6 lakh, 7 lakh, 8 lakh, 9 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 30 lakh, 40 lakh, 50 lakh, 1 crore, 150 lakh, 2 crore
5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 1 crore, 2 crore
Highest sum insured
200 lakh
200 lakh
Entry age
From 18 years (adult); 91 days (dependent child, floater); 5 years (individual policy) (no maximum stated)
From 16 days (individual / dependent children); 18 years (floater adults) (no maximum stated)
Room rent
SI Rs 4 lakh and above: options Shared Room / Single Private A/C Room / Any Room; SI up to Rs 3 lakh: Shared Room / Single Private A/C Room
Any Room
Co-payment
Zone co-payment (10%-25%) for treatment in a higher zone only for SI Rs 3 lakh and below; not applicable for Rs 4 lakh and above
No Co-payment
Waiting periods
Initial waiting period
30 days
30 days
Pre-existing disease waiting
36 months
36 months
Specific illness waiting
24 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
Reload of Sum Insured up to 100% of Sum Insured for an unrelated illness in the same policy year
Automatic Restoration, unlimited, applicable for same disease / different diseases
No-claim bonus
Cumulative Bonus 50% increase per claim-free year, max up to 100% (up to maximum of Rs 1 Cr)
Bonus of 100% of SI if no claim in previous policy year or 25% of SI if a claim; applicable once during the policy year, not cumulative
Maternity
Optional cover only
Optional cover: Delivery Expense up to Rs 2 Lakhs (normal or caesarean)
OPD
Rs 1,000 OPD cover for SI Rs 15 lakh and above; Chronic Management Program (OPD) for listed chronic illnesses
Optional Outpatient Benefit (Silver/Gold/Platinum/Diamond, up to Rs 16,000)
Premium
Sample annual premium
—
₹6,973
Sample premium is for
—
1 adult (1A), age band 26-30, Sum Insured Rs 10,00,000, Neo Plan, Zone A, gross premium excluding tax
Insurer
Health incurred claim ratio (insurer)
71.5%
—
Claims figures for
FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
—
IRDAI UIN
ADIHLIP24102V052324
GHIHLIP26042V012526

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

Activ Health Platinum Enhanced

  • Pro: No room-rent cap

Galaxy Marvel - Neo Plan

  • 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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