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Beshak  gradient-star  Rating - Insurance Ratings based on stuff that matters to you!

01. Claims Experience  02. Customer Service Experience  03. Product Benefits
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Aditya Birla Activ Fit (Preferred) with similar Health Insurances

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Bajaj Allianz Health Guard (Platinum) with similar Health Insurances

Bajaj Allianz Health Guard (Platinum)

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Bajaj Allianz Health Guard (Platinum)

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Bajaj Allianz Health Guard (Platinum)

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Notes

1- The health insurance data was last updated in September 2023. All data has been sourced from product brochures, policy wordings, prospectus, public disclosures (Q1, FY 2023-2024), insurer websites, and the IRDAI website. 

2- The Claims Settlement Ratio data is taken from NL-37, insurer public disclosures (Q1, FY 2023-2024). It is calculated by dividing the number of claims settled by the sum of claims outstanding at the beginning of the year and claims reported during the year.

3- The data related to claim complaints and policy purchase complaints is taken from NL-45, insurer public disclosures (Q1, FY 2023-2024).

4- The Solvency Ratio data is taken from NL-26, insurer public disclosures (Q1, FY 2023-2024).

5- The data related to claims settled within 30 days is taken from NL-39, insurer public disclosures (Q1, FY 2023-2024).

6- The Claims Incurred Ratio data is taken from NL-4 and NL-5, insurer public disclosures (Q1, FY 2023-2024). It is calculated by dividing the Net Claims Incurred by the Net Earned Premium.

7- For now, we have considered the most comprehensive plans from leading insurance companies. We will keep updating the product pages with new plans in the coming days.

8- We have rated only those plans that can be serviced by individual advisors. This is because of our strong belief that health insurance customers need professional assistance from individual advisors before and after purchase. We do not recommend and hence do not rate direct-to-customer health insurance plans or plans where there aren't enough advisors available to service. 

9- Affordability assessment of plans: 

  • The affordability of comprehensive plans is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1, opting for a cover of ₹10 Lakhs. And, the premiums are as of 30th September 2023.
  • The affordability of Care Freedom Plan is assessed using premiums for a 30-year-old male residing in Zone 1, opting for a cover of ₹5 Lakhs. And, the premium is as of 30th September 2023.
  • The affordability of Acko Platinum Health Insurance is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1, opting for a cover of ₹25 Lakhs. And, the premium is as of February 2024.
  • The affordability of ICICI Lombard MaxProtect (Premium) is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1, opting for a cover of ₹1 Crore. And, the premium is as of February 2024.
  • The affordability of Aditya Birla Activ One (VIP+) is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1, opting for a cover of ₹1 Crore. And, the premium is as of March 2024.

10- We have considered the Inflation Protection benefit under Acko’s Platinum and Standard Health Plan instead of the No Claim Bonus Benefit.

11- The product benefits section is based on a sum insured of ₹10 Lakhs and only highlights the top benefits and features of health insurance plans. 

12- Only those hidden and special conditions that apply to the benefits and features we have considered are included on the product pages. 

13- The product pages only include the most significant specific exclusions under each plan, which we've simplified for better understanding.

14- The product pages do not include any generic terms, conditions, or exclusions (those that are the same and apply to all health insurance plans).

15- If the policy wording, brochure, or prospectus states that a benefit/feature is available with a specific plan but it is not available online when generating the premium quote, we have not considered that benefit/feature to be available with the plan.

16- The response time on Twitter was calculated using a sample set of tweets from February 2023 to August 2023 (analyzed in September 2023).

17- The metrics like claim complaints, policy purchase complaints, response time on Twitter and toll-free are not related to a specific product but are related to the overall performance of the insurance company.

18- The network hospitals' data was last updated on 5th March 2024.

Compare Aditya Birla Activ Fit (Preferred) and Bajaj Allianz Health Guard (Platinum)

Claims Track Record:

Aditya Birla Activ Fit (Preferred)

Aditya Birla Health Insurance Company Limited has a claim settlement ratio of 90.24% and claims incurred ratio of 72.71%. Furthermore, it has settled 98.61% of claims in less than 30 days. They have received a higher number of claim complaints as compared to other insurers.

Bajaj Allianz Health Guard (Platinum)

When it comes to settling claims, Bajaj Allianz General Insurance Company Limited has settled 99.38% of claims in less than 30 days. They have a claim settlement ratio of 72.14% and a claims incurred ratio of 81.10%. Additionally, they've received fewer complaints related to claims compared to other insurers. 

Service Experience:

Aditya Birla Activ Fit (Preferred)

Aditya Birla Health Insurance Company Limited facilitates customer service via its toll-free number and Twitter channel. Our research shows that their Twitter response rate is quick and their toll-free response rate is average. If you have any questions or concerns, you might get better help via Twitter.

Bajaj Allianz Health Guard (Platinum)

The Bajaj Allianz General Insurance Company Limited offers customer service via toll-free number and Twitter. Both their Twitter response and toll-free response rate are average. In case of any issues or queries, you can contact either of these channels for assistance.

Product Benefits:

Aditya Birla Activ Fit (Preferred)

The Aditya Birla Activ Fit (Preferred) 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. All day care treatments, domiciliary treatments, organ donor expenses related to harvesting the organ, and modern treatments are covered too - up to the sum insured. And, consumables are also covered up to the sum insured if you opt for an add-on. With the Aditya Birla Activ Fit (Preferred) Plan, you can choose any room type as it doesn't have any restrictions. And, there is no ICU rent limit and copayment/deductible limit. Moreover, the insurer covers common treatments/surgeries like cataract treatment, joint replacement surgery, etc. up to the sum insured without imposing any limits. The Aditya Birla Activ Fit (Preferred) 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.

Bajaj Allianz Health Guard (Platinum)

The Bajaj Allianz Health Guard (Platinum) Plan covers hospitalisation expenses as well as pre and post-hospitalisation expenses. While pre-hospitalisation expenses are covered for 60 days before hospitalisation and post-hospitalisation expenses are covered for 90 days after discharge up to the sum insured. It covers 399 daycare treatments and modern treatments up to the sum insured. Also, costs associated with harvesting the organ from the donor are covered up to the sum insured as well. With the Bajaj Allianz Health Guard (Platinum) plan, you can choose any room type - there's no restriction on room rent. Further, there is no ICU rent limit and deductible as well. However, an optional copayment of 10% or 20% may be applicable. Common treatments/surgeries like cataract treatment are covered up to 20% of the sum insured per eye per policy year subject to a maximum of Rs 1 lakh and joint replacement surgery is covered up to the sum insured. Under the policy, pre-existing diseases have a 36-month waiting period, specific diseases have a 24-month waiting period and some conditions have a 36-month waiting period.