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Aditya Birla Activ Fit (Preferred) vs Niva Bupa Aspire (Titanium+)
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Aditya Birla Activ Fit (Preferred) vs Niva Bupa Aspire (Titanium+)
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Aditya Birla Activ Fit (Preferred) with similar Health Insurances
Niva Bupa Aspire (Titanium+) with similar Health Insurances
Compare Aditya Birla Activ Fit (Preferred) and Niva Bupa Aspire (Titanium+)
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.
Niva Bupa Aspire (Titanium+)
Niva Bupa Health Insurance Company Limited has a claim settlement ratio of 85.18% and claims incurred ratio of 65.44%. They have settled 99.95% of claims in less than 30 days. Further, they have received a higher number of claim complaints 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.
Niva Bupa Aspire (Titanium+)
Niva Bupa Health Insurance Company offers customer service through their toll-free number and via Twitter. Their Twitter response rate is average and so is the response rate over their toll-free number. So, if you have any questions or concerns, or require assistance, you can expect the same amount of time 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.
Niva Bupa Aspire (Titanium+)
The Niva Bupa Aspire (Titanium+) Plan covers hospitalisation expenses as well as pre and post hospitalisation expenses. Pre-hospitalisation expenses incurred for 60 days before hospitalisation and post-hospitalisation expenses incurred for 180 days after discharge are covered up to the sum insured. It also covers all day care treatments, domiciliary treatments and modern treatments up to the sum insured. Costs associated with the inpatient expenses of the organ donor are covered up to the sum insured as well. Under Organ Donor Cover, there is a special condition that if you donate any of your organs, the expenses incurred for harvesting the organ from you will also be covered. As for non-medical expenses, they are covered without any limits if included as an add on.
Under Niva Bupa Aspire (Titanium+) Plan, there is no room rent limit as well as ICU rent limit. It also does not have any copayment unless you choose the borderless add-on, which offers several co-payment options. Among these options, you have the flexibility to select a 0% co-payment by opting for a slightly higher premium. It also provides you with the provision of choosing deductible from options - Rs 20,000 /- Rs 30,000/- Rs 50,000/- Rs 1,00,000. Further, there is no limit (covered up to the sum insured) on common treatments/surgeries like cataract treatment, joint replacement surgery, etc. There is a waiting period of 36 months applicable for pre-existing diseases and a waiting period of 24 months for specific diseases.