Hdfc Ergo vs Aditya Birla

HDFC My:Health Women Suraksha is a comprehensive policy designed to cater to the evolving health and well-being needs of today's women. The policy of...

Unique Features

• Cancer Cover
• Assault And Burn Cover
• 41 Critical Illness Cover

• Lifetime renewal
• Wellness Incentives
• Add-On Coverage

• Obesity or weight control
• Cosmetic surgeries
• Maternity cover
• Change of gender treatment

• Post Diagnosis Support
• Cancer Cover
• Major Illness Cover
• Surgical Procedure
• Critical Illness Cover

• Entry age: 18 to 65 years
• Sum insured: 1 Lakh to 1 Crore
• Policy term: 1/2/3 years

The Arogya Sanjeevani Policy from HDFC ERGO is a basic plan designed for individual or family floater coverage. It provides essential medical support ...

Unique Features

• 3 plan variants
• Double coverage
• E-opinion on critical illnesses

• Pre and post-hospitalization
• Doctor consultation
• AYUSH treatment
• Preventive health check-ups

• Maternity expenses
• Daily hospital cash
• Modern treatment
• Organ donor cover

• Family floater cover
• Sum Insured up to 10 Lakhs
• Lifelong renewability

• Min. Entry Age: 18 Years
• Max. Entry Age: 65 Years
• Sum Insured: Up to 10 Lakhs
• Initial Waiting Period: 30 Days

The HDFC ERGO Optima Secure Global plan offers vital and extended coverage both within and outside India, providing comprehensive protection without g...

Unique Features

• India & Worldwide Coverage
• High SI up to 2 Crores
• Aggregate Deductible Discounts

• Worldwide coverage
• high sum insured up to INR 2 Crores
• 4-level sum insured restoration benefit
• aggregate deductible discounts
• and no deductions on non-medical expenses.

• INR 10
• 000 deductible for overseas claims
• aggregate deductible applicable only in India
• no coverage for vaccinations
• maternity and newborn baby cover not included in the base plan.

• E-opinion for 51 critical illnesses
• availability of various add-on covers
• optional Overseas Travel Secure add-on.

• Entry Age: 18 to 65 Years Sum Insured: INR 1 Crore to INR 2 Crores Initial Waiting Period: 30 Days Policy Term: 1
• 2
• or 3 Years

The HDFC ERGO Optima Secure Plan is designed to provide policyholders with improved financial protection against rising healthcare costs. It offers up...

Unique Features

• 3 plan variants
• Double coverage
• E-opinion on critical illnesses

• Hospital Cash Benefit
• No Cost Instalment Option
• Restore Benefit
• Unlimited Restore

• Maternity cover NA
• Newborn care unavailable
• OPD cover unavailable

• Aggregate deductible discounts
• Disposables & consumables cover
• Worldwide cover

• Entry age: 18 years to no max limit
• SI: 5 Lakhs to 2 Crore
• Policy term: 1/2/3 years
• Initial waiting period: 30 days

The HDFC ERGO Personal Accident Insurance plan offers worldwide coverage and lifelong renewability. A key benefit of this plan is that it does not req...

Unique Features

• Worldwide coverage
• No pre-policy medicals
• Lifelong renewability

• Accidental Death
• Permanent Total Disability
• Broken Bones
• Burns

• Breach of law
• Pregnancy or childbirth
• Self-inflicted injury

• Ambulance costs
• Hospital cash
• Lump sum payout benefit
• Air ambulance cover

• Entry Age: 18 - 65 years
• Policy Term: 1/2/3 years
• Initial Waiting Period: None
• Sum Insured: 20 L - 10 Cr

The iCan Cancer Insurance is a cancer-specific plan offered by HDFC ERGO Health Insurance Company. It covers medical expenses incurred during the trea...

Unique Features

• Key Features
• Eligibility & Exclusions
• iCan Cancer Plan Sample Premiums

• Cancer cover
• In-patient hospitalization
• Ambulance cover

• Maternity cover
• Newborn cover
• Organ donor cover
• Global coverage

• COVID-19 cover
• Pre and post-hospitalization
• ICU charges

• Entry age: 5 to 65 years
• Policy term: 1 year
• Initial waiting period: 120 days

HDFC ERGO Health Suraksha Plan is a comprehensive plan from HDFC ERGO Insurance Company, providing 360-degree protection against rising medical expens...

Unique Features

• Key Features
• Eligibility & Age Restrictions
• Types of My:Health Suraksha Smart Plans

• Air ambulance cover
• Recovery benefit
• Infertility cover

• Vaccination cover unavailable
• Second medical opinion not available
• Maternity cover unavailable
• Newborn baby cover unavailable

• Family discount
• Long-term policy discount
• Loyalty discount

• Entry age: 18 years to no upper age limit
• Sum insured: 3 Lakh to 75 Lakh
• Policy term: 1/2/3 years
• Initial waiting period: 30 days

HDFC ERGO Health Insurance offers an Energy Diabetes plan, which is ideal for those suffering from Diabetes Type 1, Diabetes Mellitus Type 2, pre-diab...

Unique Features

• Personalized health coach option
• Get rewards to reduce your premiums
• Diabetes and Hypertension without waiting period

• Personal health coach
• Rewards for premium discount
• Diabetes and Hypertension cover

• ICU cover unavailable
• AYUSH treatment not covered
• OPD not covered
• Domiciliary treatment unavailable

• Organ donor cover
• Ambulance services
• Pre & post-hospitalization cover

• Entry age: 18 to 65 years
• Policy term: 1 year
• Initial waiting period: 30 days
• Sum insured: 2 L to 50 L

HDFC ERGO Health Insurance's Health Wallet plan is a comprehensive health insurance plan that not only ensures your health today but also secures your...

Unique Features

• Worldwide Emergency Care
• Avail 6% interest on un-used SI
• Cashless Homecare treatment

• Inpatient and outpatient cover
• OPD cover
• Domiciliary hospitalization

• Air ambulance
• E-consultations
• Health check-up
• Modern treatment cover

• Global coverage
• Daycare procedures
• Health check-up
• Vaccination charges

• Entry age: 18 to 65 years
• Initial waiting period: 30 days
• Sum insured: 3 to 50 Lakhs
• Policy term: 1/2/3 years

The HDFC Ergo Super Top-Up plan is an excellent option to ensure ample cover for the best medical treatment without restrictions. It complements your ...

Unique Features

• Plan Specifications
• Key Features & Benefits
• Quick Buying And Claim Process

• Day care procedures
• High sum insured
• 6-hour response guarantee

• Adventure sport injuries
• Self-inflicted injuries
• War

• Deductibles offered
• Covers family members
• Versatile plan

• Min entry age: 18 years
• Max entry age: 65 years
• Initial Waiting Period: 30 days
• Sum Insured: Up to 20 Lakhs

HDFC ERGO Koti Suraksha is a health insurance plan that provides a sum insured of up to INR 1 crore. The Koti Suraksha Plan by HDFC ERGO Insurance Com...

Unique Features

• High sum insured
• Health and wellness plan
• Emergency worldwide coverage

• Air ambulance
• OPD cover
• Domiciliary hospitalization
• Emergency global coverage

• Vaccination not covered
• Modern treatment unavailable
• Maternity & newborn baby care unavailable

• In-patient hospitalization
• Daycare procedures
• Health check-up cover

• Entry age: 18 to 65 years
• Sum insured: 50 Lakhs & 1 Crore
• Waiting period: 30 days
• Policy term: 1/2/3 years

HDFC ERGO Optima Restore Policy is HDFC ERGO's best-selling plan since its launch. It offers comprehensive health cover to you and your family under t...

Unique Features

• Recovery benefit
• SI restoration
• Waiting period reduction

• Restore benefit
• 2X Multiplier benefit
• Renewal discounts

• AYUSH not covered
• OPD cover unavailable
• Global health cover

• Recovery benefits
• Organ donor cover
• In-patient and out-patient hospitalization

• Entry Age: 18 - 65 Years
• Sum Insured: 3 | 5 | 10 | 15 | 20 | 25 | 50L
• Initial Waiting Period: 30 Days

HDFC ERGO Optima Lite Health Insurance Plan is an affordable health insurance policy that provides necessary health insurance coverage to individuals ...

Unique Features

• 100% Cumulative Bonus Benefit
• No Room Rent Limits
• Affordable Entry-Level Health Cover

• Affordable premiums
• Unlimited restore benefit
• No disease-wise sub-limits

• Low sum insured options (₹5L–₹7.5L)
• Room rent cap (1% SI) causing deductions
• Not suitable for metro/high-cost treatment needs

• Preventive health check-up every year after 1st renewal
• Covers non-medical expenses (optional Protect benefit)
• Daily cash allowance for shared room hospitalisation

• Entry age: 91 days (children) to 18 years (adults)
• No maximum age limit
• Available for individual and family floater (self
• spouse
• children
• parents)

Aditya Birla Cancer Secure Plan is a health insurance plan designed specifically for cancer patients, protecting them financially from all three stage...

Unique Features

• Up to 1 Cr SI
• Minimum Survival Period
• All Cancer Stages Covered

• Covers all three stages of cancer
• 150% of Sum Insured
• 10% No Claim Bonus
• High Sum Insured
• Lump sum payout

• Illness due to intoxicants
• Obesity treatment not covered
• Hazardous activities not covered
• HIV/AIDS not covered
• Cosmetic surgery not covered

• Wellness coach
• Second e-opinion
• Short survival period
• Up to 1 Crore Sum Insured
• Hospitalization Expenses

• Entry Age: 18 Years
• Maximum Entry Age: 65 Years
• Sum Insured: 5 Lakhs to 1 Crore
• Waiting Period: 90 days

Aditya Birla Activ Secure Personal Accident Plan is designed to protect you and your family in case of any unforeseen incident. The Activ Secure Perso...

Unique Features

• Up to 20 Cr SI
• 11 Optional Covers
• Avail Wellness Benefit

• Total and partial disability cover
• Accidental death cover
• No claim bonus
• Ambulance cover
• Education benefit

• Illness due to intoxicants
• Obesity treatment unavailable
• Hazardous activity not covered
• Cosmetic surgery unavailable

• Income cover
• Loan protect cover
• Orphan benefits
• Compassionate visit
• Coma benefit

• Entry age: Minimum 5 years
• Maximum 65 years. Sum Insured: 1 Lac - 20 Crore. Waiting period: None.

Aditya Birla Platinum Enhanced Plan offers unique healthcare benefits to insured individuals, such as health insurance protection with wellness benefi...

Unique Features

• Critical Illness Cover
• Health Coach
• SI Up to 2 Crores

• Earn 100% health returns
• Cover for dental consultations
• Modern treatment cover
• Wellness coach
• Mental illness cover

• Illness due to intoxicants
• Change of gender treatment
• Hazardous activity not covered
• HIV/AIDS not covered
• Cosmetic surgery unavailable

• Chronic management program
• Premium waiver benefit
• Reload of SI
• Road ambulance cover
• Second e-opinion

• Entry age: 90 days
• Max entry age: 45
• SI: 1L to 1 Cr
• Waiting period: 30 days

Aditya Birla Activ Fit Plan is designed to provide quality medical coverage to young individuals. The plan not only provides medical coverage but als...

Unique Features

• Health Rewards
• Avail Multiple Discounts
• Optional Covers Available

• <ul> <li>Health rewards for maintaining a healthy lifestyle.</li> <li>Optional benefits available.</li> <li>Maternity expense benefits.</li> </ul>

• Does not cover air ambulance
• No coverage for global treatment

• Health Rewards
• Avail Multiple Discounts
• Optional Covers Available

• Minimum Entry Age: 18 years Maximum Entry Age: 65 years Sum Insured: 4-25 Lakh Waiting Period: 30 days

Aditya Birla Activ Secure Critical Illness Plan is designed to cover your financial losses due to treatment for a critical illness. The plan offers wi...

Unique Features

• 64 Critical Illnesses Covered
• Replace Loss of Income
• Short Survival Period

• 64 Critical Illnesses Covered
• Replaces Loss of Income
• Short Survival Period

• Does not cover maternity
• Does not cover any congenital illness
• Does not cover any evaluation purposes

• Sum insured up to INR 1 Crore
• Available in three different variants (Plans 1
• 2
• & 3) with specific coverage options

• Min- 5 years
• Max- 65 years

Aditya Birla Activ Care Classic is designed for senior citizens who need both medical coverage and day-to-day healthcare support. It covers hospitaliz...

Unique Features

• 360-degree support to seniors
• Cashless home treatment
• 586 categories of daycare procedures

• 360-degree support to seniors
• Cashless home treatment
• 586 categories of daycare procedures

• Does not cover modern treatments
• Vaccinations not covered
• Compassionate travel not covered

• Tax benefits
• Advanced health check-up
• Optional room upgrade facility

• Min- 55 years
• Max- 80

Aditya Birla Activ One plan is available as an individual and family floater plan, offering customized features and benefits. Read further details bel...

Unique Features

• Health Rewards
• Avail Multiple Discounts
• Optional Covers Available

• Chronic illness covered
• double coverage

• Daily hospital cash not covered
• OPD charges not covered
• Maternity not covered

• Initial waiting period: 30 years.

• Adults: 18+ years (no maximum age); Children: 91 days to 25 years; Policy Tenure: 1 to 3 years.

The Activ Health Platinum Premiere plan is a variant of the Aditya Birla Activ Health insurance plan. It safeguards you from health emergencies and en...

Unique Features

• Mental illness cover
• Physiotherapy
• Critical illness cover

• Annual health check-up
• Pre-hospitalization cover
• Post-hospitalization cover
• Daycare procedure

• Obesity/ weight control
• Change of gender treatments
• Hazardous or adventure sports. Maternity (basic cover)
• IVF/sterility treatment

• Organ donor cover
• International coverage
• Optional dental treatment cover
• Air ambulance

• Entry Age - 91 days
• Max Entry Age - 65 Years
• SI - 10 L - 2 Cr
• Waiting Period - 30 Days

The Aditya Birla Active Care Standard Plan is designed for senior citizens who need strong and regular medical support. It covers hospitalization expe...

Unique Features

• Cashless home treatment
• Optional lifestyle support
• 586 daycare procedures

• In-patient hospitalization
• Daycare treatment
• Domiciliary hospitalization
• Sum insured restoration
• Organ donor expense coverage

• Sports injury not covered
• Cosmetic treatment unavailable
• Baldness not covered
• Higher co-payment

• AYUSH treatment cover
• Second e-opinion covered
• Multiple discounts available
• COVID-19 treatment cover

• Entry age: 55 - 80 years
• Sum Insured: INR 3 - 10 Lakhs
• Waiting Period: 30 days
• Number of insured (floater): self & spouse

The Aditya Birla Activ Fit Plus plan rewards you for staying fit and healthy. This plan offers a versatile range of benefits designed to improve your ...

Unique Features

• Stay fit & get rewarded
• Travel protection cover
• Unlimited SI refill

• Pre-hospitalization cover
• Post-hospitalization cover
• Modern treatment cover
• Organ donor cover

• Obesity/ weight control
• Change of gender treatments
• Hazardous or adventure sports
• External providers
• Beauty/cosmetic treatment

• 10-50-100 benefits
• Activ Health App
• Binge SI refill
• Premium back option
• Super no-claim bonus

• Entry Age: 91 days Max Entry Age: 45 years Sum Insured (SI): 5 L - 1 Cr Waiting Period: 30 Days

Aditya Birla Global Health Secure is an international health insurance plan designed to cover treatment for major critical illnesses outside India. It...

Unique Features

• 16 Major Illness Cover
• International Second E-Opinion
• Worldwide Cashless Treatment

• In-patient Treatment Cover
• Post-hospitalization Cover
• Accommodation Expenses
• Travel Expenses Cover

• Floater Option Not Available
• Change of Gender Treatments
• Alcoholism/Drug Use Cover
• Hazardous or Adventure Sports
• Maternity Not Covered

• No Age Bar for Renewability
• Organ Donor Cover
• Long-term Discounts
• PEDs Post-Waiting Period
• Multi-individual Plan Benefit

• Entry Age: 91 days - 65 years; Sum Insured: Up to INR 6 Cr; Waiting Period: 30 Days

Aditya Birla Arogya Sanjeevani Policy is an IRDAI-mandated standard health insurance plan designed to provide essential medical coverage at an afforda...

Unique Features

• All daycare procedures
• Covers AYUSH treatment
• Cataract expenses covered

• All daycare procedures
• AYUSH treatment
• Cataract expenses covered.

• Domiciliary hospitalisation
• OPD charges
• Automatic restoration.

• COVID-19 coverage
• Hospitalisation covered
• Affordable premiums.

• Min entry age: 18 Years
• Max entry age: 65 Years
• Initial Waiting Period: 30 Days
• Sum Insured: Up to 5 L.

Is there a health plan that covers exceeding medical expenses without letting you worry about its limit? Well, Aditya Birla Activ Assure Diamond+ does...

Unique Features

• International/domestic emergency
• 586 daycare procedures
• Health and wellness discounts

• Cover for hospitalization expenses like COVID-19
• Home treatment expenses
• Over 586 daycare procedures covered

• Daily hospital cash not covered
• No maternity cover
• Modern treatment not covered
• E-consultation not covered

• International/domestic emergency cover
• 586 daycare procedures covered
• Health and wellness discounts

• Min entry age: 18 Years
• Max entry age: 65 Years
• Initial Waiting Period: 30 Days
• Sum Insured: Up to 1 Cr

Activ Health Platinum, a health product by Aditya Birla Health Insurance Company, is a health insurance plan designed to cater to the healthcare needs...

Unique Features

• Explore the Eligibility Criteria
• Key Features of the Plan
• Inclusions & Exclusions

• <ul> <li>Post-hospitalization physiotherapy</li> <li>Health coach benefit</li> <li>One premium waiver</li> <li>Health assessment</li> <li>Chronic management program</li> </ul>

• <ul> <li>Illness due to intoxicants</li> <li>Gender change treatment</li> <li>Hazardous activity not covered</li> <li>HIV/AIDS not covered</li> <li>Cosmetic surgery</li> </ul>

• <ul> <li>Road ambulance cover</li> <li>No Claim Bonus</li> <li>Critical illness cover</li> <li>Domiciliary hospitalization</li> <li>Super Reload of Sum Insured</li> </ul>

• Entry Age: 91 days. Maximum Entry Age: 65 years. Sum Insured: 10 Lakhs to 2 Crores.

Aditya Birla Activ Health Platinum Essential Plan is ideal if you are looking for a health insurance cover that protects you against chronic illnesses...

Unique Features

• Chronic Management Care
• Wellness Benefits
• COVID-19 Cover

• Health returns cover
• Chronic management program
• Mental illness cover
• Home care treatment
• Obesity treatment

• Illness due to intoxicants
• Change of gender treatment
• Hazardous activities not covered
• HIV/AIDS not covered
• Cosmetic surgery unavailable

• AYUSH treatment cover
• Road ambulance cover
• Health check-up program
• International cover
• Critical Illness cover

• Entry age: Minimum 91 days
• Maximum: No age limit

Activ One MAX is another variant of Aditya Birla's Activ One policy. This plan offers notable features, including the flexibility to choose members un...

Unique Features

• Covers extended family
• HealthReturn benefits
• 6X benefits by 6th year

• Cover your extended family
• High sum insured options
• 30 days waiting period

• Maternity expenses
• Non-medical expenses
• Sterility and infertility treatment

• Mental illness hospitalization
• AYUSH treatment covered
• Obesity treatment
• Day care treatment

• Min entry age: 18 years
• Max entry age: No limit
• Initial Waiting Period: 30 days
• Sum Insured: Up to 2 Cr.

A plan designed for every lifestyle.Aditya Birla Activ One VYTL is a comprehensive health insurance plan designed for individuals with specific lifest...

Unique Features

• Chronic diseases covered from day 1
• HLTH meter
• HealthReturn program

• Non-medical expenses covered
• Mental illness covered
• Obesity treatment
• Home healthcare
• AYUSH treatment

• Investigation and evaluation
• Rest
• cure
• rehabilitation
• and respite care
• Sterility and infertility

• Organ donor expenses
• Annual health check-up
• Chronic care

• Minimum Entry Age: 18 Years
• Maximum Entry Age: No Limit
• Initial Waiting Period: 30 Days
• Sum Insured: Up to 6 Crores

Aditya Birla Group health insurance offers options like Aditya Birla Group Activ Health, Activ Secure, and Activ Travel. Group health insurance by Adi...

Unique Features

• Explore Aditya Group Health Plans
• Benefits of Aditya Group Insurance
• Tax Benefits

• 92.97% claim settlement ratio
• Day 1 coverage
• Up to 30% health returns

• 24-month waiting for specific ailments
• Limited infertility coverage
• Some add-ons require extra premium

• Section 80D tax benefit
• Cashless claim settlement
• Health check-up and fitness rewards
• Digital health tracking via app

• Adults: 18 to 65 years
• Children 91 days+
• Up to 6 family members
• Renewal lifelong