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Health Insurance · head to head

Activ Health Platinum Enhanced vs Sarvah Uttam

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Quick verdict

  • Sarvah Uttam is better for high sum insured available.
  • Sarvah Uttam 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
Sarvah Uttam
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, 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 (children); 18 years (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
Single Private AC Room; optional modification to Any room or Twin Sharing 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
None mandatory (no zonal co-pay); optional voluntary co-payment 10%/20%/30%
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
Optional cover: multiple Restoration in a Policy Year for all illnesses or injury, related or unrelated
No-claim bonus
Cumulative Bonus 50% increase per claim-free year, max up to 100% (up to maximum of Rs 1 Cr)
Optional Gullak: guaranteed increase of 100% of Base Sum Insured each policy year, up to 1500%, irrespective of claims
Maternity
Optional cover only
Optional cover with 36 months waiting period
OPD
Rs 1,000 OPD cover for SI Rs 15 lakh and above; Chronic Management Program (OPD) for listed chronic illnesses
Not covered (unlimited tele-consultation with network General Physician)
Insurer
Health incurred claim ratio (insurer)
71.5%
74.81%
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
MCIHLIP27040V032627

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

Sarvah Uttam

  • 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 unless you choose one for a lower premium
  • Pro: No room-rent cap
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