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Activ Health Platinum Enhanced vs Optima Secure

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Specifications side by side

Spec
Activ Health Platinum Enhanced
Optima Secure
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, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 50 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 91 days (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
At Actuals
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
None
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
60 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 Restore Benefit: Equal to 100% of Base sum insured (applied only once during the Policy Year)
No-claim bonus
Cumulative Bonus 50% increase per claim-free year, max up to 100% (up to maximum of Rs 1 Cr)
Plus Benefit: Bonus of 50% of the Base Sum Insured, maximum upto 100% (irrespective of claims)
Maternity
Optional cover only
Not covered
OPD
Rs 1,000 OPD cover for SI Rs 15 lakh and above; Chronic Management Program (OPD) for listed chronic illnesses
Not covered
Premium
Sample annual premium
—
₹19,663
Sample premium is for
—
Individual, age 30, Base Sum Insured Rs 10,00,000, Optima Secure plan, Tier 1 (Delhi, Surat, Gurugram, Faridabad, Ghaziabad, Greater Noida), 1-year rate chart 'Gross Premium', excluding GST (the prospectus premium illustration using the same table states 'Total premium (Excl. GST)'), before any discounts, no add-ons
Insurer
Health incurred claim ratio (insurer)
71.5%
84.85%
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)
—
16,000+
IRDAI UIN
ADIHLIP24102V052324
HDFHLIP26058V082526

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

Optima Secure

  • Pro: No co-payment on claims
  • Pro: No room-rent cap
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