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Activ Health Platinum Enhanced vs OneHealth 10.0

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Quick verdict

  • OneHealth 10.0 is better for high sum insured available.

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
OneHealth 10.0
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
3 lakh, 4 lakh, 5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 30 lakh, 50 lakh, 1 crore, 2 crore, 3 crore
Highest sum insured
200 lakh
300 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
Single private AC 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
20% if entry age is 61 years or more
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
100% of SI for unlimited times and all illness on exhaustion and insufficiency from 2nd claim onwards
No-claim bonus
Cumulative Bonus 50% increase per claim-free year, max up to 100% (up to maximum of Rs 1 Cr)
For SI < 10L - 20% of SI, for SI >= 10L - 50% of SI, subject to a maximum of 100%
Maternity
Optional cover only
Optional: up to INR 1,00,000 or 2,00,000; waiting period 24 months (Option A) or 12 months with 3+ year tenure (Option B)
OPD
Rs 1,000 OPD cover for SI Rs 15 lakh and above; Chronic Management Program (OPD) for listed chronic illnesses
Optional Outpatient Cover: Option A up to INR 10,000 or Option B up to INR 20,000
Premium
Sample annual premium
—
₹7,682
Sample premium is for
—
1 Adult, age band 26-30, Sum Insured 10,00,000, Zone 1 (highest-priced zone), base covers excluding PA and CI, office rate, excluding GST
Insurer
Health incurred claim ratio (insurer)
71.5%
85.54%
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)
IRDAI UIN
ADIHLIP24102V052324
MAGHLIP27040V012627

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

OneHealth 10.0

  • Con: Co-payment: 20% if entry age is 61 years or more
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