Aditya Birla Activ Care Plan Vs SBI Arogya Supreme Policy

Aditya Birla Activ Care Vs SBI Arogya Supreme Policy

Health insurance is one of the most popular insurance in India. Health insurance policies compensate the medical expenses in the event of hospitalisation, or medical treatments. Since we all are prone to different health risks, ailments, and diseases, at some point in life we all have to undertake medical treatments that can dig a hole in our pocket. In this case, medical policies are saviour. They have come up with different types of cover such as hospitalisation cover, daycare procedures, AYUSH treatment cover, and many more that can help us to get compensation against those expenses, and avail of the best treatment. 

When we are talking of health insurance schemes, two policies are worth mentioning – Aditya Birla Activ Care Plan and Arogya Supreme Policy offered by SBI. Both companies have been ruling the health insurance market for a very long time. Therefore, the products that they come with are very reliable. These two health policies have come up with numerous health benefits that can help us to get all-round protection against different types of health hazards, diseases, and ailments. To know more about these two policies, have a look at the following mentions.

Compare Aditya Birla Activ Care Plan and SBI Arogya Supreme Policy

The following table talks about these two plans and their similarities and dissimilarities.

ParametersAditya Birla Activ Care PlanArogya Supreme Policy (SBI)
Minimum age at entry55 years

For adults – 18 years

For dependent children – 91 days

Maximum age at entry80 years

For adults – 65 years

For dependent children – 25 years

Who can be covered?Self and spouseSelf, spouse, dependent children, parents, and parents-in-law
Pla variants

Three

Standard, Classic, and Premier

Three

Pro, Plus, and Premium

Daycare procedures586 daycare procedures are coveredYes, covered (537)
ICU and ICCU benefitCovered up to Sum Insured

Pro – For Rs. 3 Lakhs & Rs. 4 Lakhs – as per actual ICU/ICCU expenses provided by the Hospital

(2% restriction as an option available).

For Rs. 5 Lakhs – as per actual ICU/ICCU expenses provided by the Hospital.

Plus – As per actual ICU/ICCU expenses provided by the Hospital.

Premium – Actuals up to the Sum Insured

Sum insured rangeUp to Rs. 25 lakhsUp to Rs. 25 lakhs and above
Pre-hospitalization cover30 days

Pro – 30 days

Plus – 60 days

Premium – 60 days

Post-hospitalization cover60 days

Pro – 60 days

Plus – 90 days

Premium – 180 days

Room rent

Standard – Shared room

Classic – Shared room

Premier – Single private AC room

Pro – For Rs. 3 Lakhs & Rs. 4 Lakhs – Single Private AC Room (1% restriction as an option available)

For Rs. 5 Lakhs – Single private AC Room (upgrade option available)

Plus – Single Private AC Room (upgrade option available).

Premium – Actuals up to the Sum Insured

Road ambulance cover

Standard – Up to Rs. 2000 per hospitalisation

Classic – Up to Rs. 2000 per hospitalisation

Premier – Up to actual expenses for network providers, and up to Rs. 5000 for non-network providers

Pro – Rs. 3000 per hospitalisation

Plus – Rs. 5000 per hospitalisation

Premium – Rs. 7000 per hospitalisation

Recovery Benefit (Not applicable in case of domiciliary hospitalisation)Not available

Pro – Rs. 5000 per hospitalisation

Plus – Rs. 10,000 per hospitalisation

Premium – Rs. 15,000 per hospitalisation

Domestic Emergency Assistance Services

(including Air Ambulance)

Yes, available

Pro – Not covered

Plus – Up to Rs. 5 lakhs

Premium – Up to Rs. 10 lakhs

Organ Donor Expenses

Standard – Not available

Classic – Up to 50% of the sum insured

Premier – Up to the sum insured

Covered up to the sum insured
Reload of sum insured

Standard – Up to 50% of the sum insured

Classic – Up to 100% of the sum insured

Premier – Up to 100% of the sum insured

Covered
No claim bonus10% of S.I. per annum, max up to 50% of SINCB Protector (if claim is less than Rs. 50,000)
Preventive Health Check-upsOnce in a policy year, not for all variantsAvailable, terms and conditions applied
Domiciliary Hospitalisation

Standard – Not covered

Classic – Up to 10% of the sum insured

Premier – Up to the sum insured

Up to the sum insured
E-opinionAvailable

Pro – 4 E-opinion

Plus – 4 E-opinion

Premium – Unlimited E-opinion

Know About Aditya Birla Activ Care Plan

Activ Care Plan is a comprehensive health policy that offers all-round protection to you and your family at every stage of life. Apart from the basic health benefits, this plan offers health check-ups and health coaching so that you can live your life worry-free and track your health. Comprehensive health assessment in each policy is free of cost. HealthReturn is another lucrative benefit option under this plan where one can get back up to 21% of your annual premium, subject to the terms and conditions of the company. In one work it is an ideal health solution for the senior citizens.

Benefits of Activ Care Plan offered by Aditya Birla

Here are the important mentions.

  • This policy covers 586 daycare procedures for which one requires less than 24 hours of hospitalisation.
  • This policy brings lifestyle support at home such as an ICU bed, wheelchair, walker, etc. This is an optional benefit.
  • One can also get a qualified nurse to look after the insured patient. The maximum limit is Rs. 1500 per day, up to 15 days from the discharge from the hospital.
  • To manage your lifestyle better, this policy offers a personal health coach that will help you do nutritional, medical, and wellness counselling. You will be guided about the HealthReturns – how to earn and how to use them.
  • If you opt for an individual sum insured for 2 members of a family, then you are eligible for getting a 5% family discount.
  • This policy offers tax benefits up to Rs. 50000 under the Section 80D.
  • In-patient hospitalisation under the AYUSH treatment category is also covered under this policy.
  • A room upgrade option is also available under this policy, though it is an optional benefit. One can upgrade from a shared room to a private AC room.
  • At the time of a medical emergency, the provision of a domestic emergency air ambulance is available for the transportation of the patient to the nearest hospital.
  • One can get a bonus of up to 50% for consecutive 5 claim-free years.

What is the SBI Arogya Supreme Plan?

Arogya Supreme Plan offered by SBI has come up with 20 basic covers and 8 optional covers. This is an all-around health protection that does not let you worry about your health and related expenses. This policy also offers lucrative discounts such as family discounts, loyalty discounts, policy term discounts, etc. Apart from the basic covers that a health insurance policy usually offers, this policy has come up with different unique benefits such as mental illness coverage, HIV/AIDS recovery benefits cover, and many more. To know more about the benefits of this plan, have a look at the following benefits.

Major highlights of Arogya Supreme Plan offered by SBI

Here are the important highlights.

  • Expenses related to the treatment of mental illness are covered under this policy up to a certain limit.
  • If someone is diagnosed with HIV positive and hospitalised due to the same reason, the expenses incurred for that treatment are covered under this policy.
  • Genetic disorders and diseases are not usually covered under a health policy. However, this Arogya Supreme Policy offers coverage up to Rs. 1 lakh for the treatment of genetic disorders.
  • Due to the advancements in medical science, many treatments require modern treatments, and the cost of that is on the higher side. That expense for modern treatment is also covered under this policy.
  • If the insured patient requires an organ transplant, then this policy is there to save you financially. This policy covers organ donor expenses, subject to the terms and conditions of the policy as well as the company.
  • AYUSH daycare treatments and hospitalisation expenses are covered by this policy.
  • This policy will cover up to 25% of the sum insured if you are hospitalised due to an internal congenital anomaly.
  • On complete or partial utilisation of the sum assured of your existing active policy, this policy will refill 100% of the basic sum insured. Cumulative bonus or enhanced cumulative bonus is also included under this benefit.
  • If the hospitalisation requires 10 or more consecutive days, this policy will be there with its recovery benefit up to a certain specified limit.
  • Under the benefit of compassionate visit, this policy will reimburse 1% of the sum insured or Rs. 20000, whichever is lower for the visit of the immediate family member to the insured hospitalised person. This benefit comes with certain terms and conditions.

Premium Comparison Between Aditya Birla Activ Care Plan and SBI Arogya Supreme Policy

Mr. Ray, a 56-year-old businessman wants to buy a health insurance policy for himself. After doing extensive research, he has selected the Aditya Birla Activ Care Plan and SBI Arogya Supreme Plan. Now he wants to tally these two plans. Let us find out how much premium he has to pay for these two policies for the given details.

Plan NameAgePlan variantPolicy periodSum insured optionOptional coverPremium payable
Aditya Birla Activ Care Plan56 yearsClassic Plan1 yearRs. 10 lakhsNoRs. 28,373 per annum
Arogya Supreme Health InsurancePlus (Gold)Rs. 15 lakhsRs. 29,229 including GST

Aditya Birla Activ Care Plan or SBI Arogya Supreme Health Insurance Policy

Aditya Birla Activ Care Plan and Arogya Supreme Policy of SBI both the plans offer comprehensive all-round health protection. If you need to compare these plans, we need to keep in mind that these two plans target two different age groups. Both the plans are well-built and are designed keeping in mind the needs of the customers. The plan of Aditya Birla offers all the basic benefits of a comprehensive health insurance policy. On the other hand, the SBI plan offers some extra benefits such as recovery benefits, a refill of the sum insured, mental illness coverage, etc. The premium comparison table shows that the Arogya Supreme Policy is costlier than the policy offered by Aditya Birla. Therefore, it depends on the policy-seeker what he/she wants and what is the budget.

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