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Aditya Birla Activ Fit (Plus) vs Royal Sundaram Lifeline (Supreme)
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Aditya Birla Activ Fit (Plus) vs Royal Sundaram Lifeline (Supreme)
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Aditya Birla Activ Fit (Plus) with similar Health Insurances
Royal Sundaram Lifeline (Supreme) with similar Health Insurances
Compare Aditya Birla Activ Fit (Plus) and Royal Sundaram Lifeline (Supreme)
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.
Royal Sundaram Lifeline (Supreme)
Royal Sundaram General Insurance Company Limited has a claim settlement ratio of 64.53% and claims incurred ratio of 92.30%. It has settled 99.87% of claims in less than 30 days. The company has received fewer complaints related to claims as 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.
Royal Sundaram Lifeline (Supreme)
Royal Sundaram General Insurance Company Limited offers customer service via its toll-free number and Twitter account. Based on our research, the Twitter response rate is slow, and the toll-free response rate is slow as well. You may encounter difficulties when trying to seek help from the team.
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.
Royal Sundaram Lifeline (Supreme)
As part of the Royal Sundaram Lifeline (Supreme) Plan, hospitalisation expenses as well as pre and post-hospitalisation expenses are covered. Pre-hospitalisation expenses are covered for 60 days before hospitalisation and post-hospitalisation expenses are covered for 90 days after discharge, both up to the sum insured. Additionally, the plan covers all day care treatments, domiciliary treatments, and inpatient organ donor expenses up to the sum insured. Modern treatments are covered up to 50% of the sum insured. The Royal Sundaram Lifeline (Supreme) Plan comes with no room rent and ICU rent limits. Common treatments/surgeries like cataract treatments, joint replacement surgeries, etc., don’t come with sub-limits, and there’s no imposed copay or deductible. The Royal Sundaram Lifeline (Supreme) Plan has a waiting period of 36 months for pre-existing diseases and a waiting period of 24 months for specific diseases.