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Aditya Birla Activ Fit (Plus) vs Reliance General Health Gain (Power)
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Aditya Birla Activ Fit (Plus) with similar Health Insurances
Reliance General Health Gain (Power) with similar Health Insurances
Compare Aditya Birla Activ Fit (Plus) and Reliance General Health Gain (Power)
Claims Track Record:
Aditya Birla Activ Fit (Plus)
Aditya Birla Health Insurance Company Limited has a claim settlement ratio of 90.24% and claims incurred ratio of 72.71%. The company has also settled 98.61% of claims in less than 30 days. They have received higher claim complaints as compared to other insurance companies.
Reliance General Health Gain (Power)
Reliance General Insurance Company Limited has a claim settlement ratio of 85.52% and claims incurred ratio of 87.12%. It has also settled 89.89% of claims in less than 30 days. They've received fewer complaints related to claims compared to other insurers.
Service Experience:
Aditya Birla Activ Fit (Plus)
Aditya Birla Health Insurance Company Limited facilitates customer service via its toll-free number and Twitter channel. Based on our research, their Twitter response rate is quick and their toll-free response rate is average. Therefore, if you require a quick response, their Twitter handle may be the better option.
Reliance General Health Gain (Power)
Reliance General Insurance Company Limited offers customer service via their toll-free number and Twitter account. Based on our research, their Twitter response rate is quick, and their toll-free response rate is average. We recommend contacting the company's Twitter handle for assistance in times of need.
Product Benefits:
Aditya Birla Activ Fit (Plus)
The Aditya Birla Activ Fit (Plus) Plan provides coverage for hospitalisation expenses as well as pre and post-hospitalisation expenses. Pre-hospitalisation expenses are covered for 90 days before hospitalisation and post-hospitalisation expenses are covered for 180 days after discharge, both up to the sum insured. It also covers daycare treatments, domiciliary treatments, organ donor expenses related to harvesting the organ, and modern treatments up to the sum insured. The plan also covers the cost of consumables up to the sum insured if opted for as an add-on. With the Aditya Birla Activ Fit (Plus) Plan, you can pick any room you want. There is no room rent limit. Besides that, there's no ICU rent limit and copayment/deductible limit. Also, there's no cap on common treatments/surgeries like cataract surgery, joint replacement surgery, etc. The Aditya Birla Activ Fit (Plus) Plan has a 48-month waiting period for pre-existing diseases, a 24-month waiting period for specific diseases, and a 48-month waiting period for genetic disorders.
Reliance General Health Gain (Power)
Reliance General Health Gain (Power) Plan covers hospitalisation expenses as well as pre and post hospitalisation expenses. If you opt for add-ons, pre-hospitalisation expenses are covered for 90 days before hospitalisation, and post-hospitalisation expenses are covered for 180 days after discharge - up to the sum insured. Additionally, the plan covers all day care treatments and domiciliary treatments (except 15 illnesses) up to the sum insured. Inpatient organ donor expenses are covered up to 50% of the sum insured, with a maximum cap of Rs 5 lakhs. Modern treatments and consumables are covered up to the sum insured if you go for an add-on. The Reliance General Health Gain (Power) Plan gives you the freedom to choose any room without imposing any limits if you opt for an add-on. Further, it has no ICU rent limit, copay, or sub-limits on common treatments/surgeries like cataract treatment, joint replacement surgery, etc. However, the plan does come with optional deductibles of Rs 10,000/Rs 25,000/Rs 50,000/Rs 1,00,000. The Reliance General Health Gain (Power) Plan has a waiting period of 12 months for pre-existing diseases if you go for an add-on and a waiting period of 24 months for specific diseases.