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Activ Health Platinum Enhanced vs Health Premier

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Specifications side by side

Spec
Activ Health Platinum Enhanced
Health Premier
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
2 lakh, 3 lakh, 4 lakh, 5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 50 lakh, 75 lakh, 1 crore, 150 lakh, 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
No cap unless optional 'Cap on Room Rent' is opted (1% of base SI non-ICU, 2% ICU)
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
Zone-based: 10% or 20% when treated in a higher zone than the zone paid for
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
—
Post-hospitalisation
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% restoration of the Base Sum Insured once in a policy year
No-claim bonus
Cumulative Bonus 50% increase per claim-free year, max up to 100% (up to maximum of Rs 1 Cr)
10% of the Base Sum Insured for each renewal up to a maximum of 50% or 100% as per plan; no reduction in case of a claim
Maternity
Optional cover only
Optional (with 3 year waiting period) on Edge and higher plans; Not Available on Standard and Advantage
OPD
Rs 1,000 OPD cover for SI Rs 15 lakh and above; Chronic Management Program (OPD) for listed chronic illnesses
—
Insurer
Health incurred claim ratio (insurer)
71.5%
70.69%
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)
—
22600+
IRDAI UIN
ADIHLIP24102V052324
ZUKHLIP25054V052425

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

Health Premier

  • Pro: No room-rent cap
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