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Aditya Birla Activ One (NXT) vs Bajaj Allianz Health Guard (Gold)
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Aditya Birla Activ One (NXT) vs Bajaj Allianz Health Guard (Gold)
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Aditya Birla Activ One (NXT) with similar Health Insurances
Bajaj Allianz Health Guard (Gold) with similar Health Insurances
Compare Aditya Birla Activ One (NXT) and Bajaj Allianz Health Guard (Gold)
Claims Track Record:
Aditya Birla Activ One (NXT)
Aditya Birla Health Insurance Company Limited has a claim settlement ratio of 90.24% and claims incurred ratio of 72.71%. They have settled 98.61% of claims in less than 30 days. Further, they have received a higher number of claim complaints compared to other insurers.
Bajaj Allianz Health Guard (Gold)
Bajaj Allianz General Insurance Company Limited has settled 99.38% of claims in less than 30 days. It has a claim settlement ratio of 72.14% and a claims incurred ratio of 81.10%. Moreover, it has received fewer complaints related to claims as compared to other insurers.
Service Experience:
Aditya Birla Activ One (NXT)
Aditya Birla Health Insurance Company Limited offers customer service through their toll-free number and via Twitter. However, their Twitter response rate is quicker than their response rate over a toll-free number. So, if you have any questions or concerns, or require assistance, you might receive prompt assistance through Twitter.
Bajaj Allianz Health Guard (Gold)
Bajaj Allianz General Insurance Company Limited offers customer service via a toll-free number and Twitter. They both have average response rates. If you have questions or issues, you can get in touch with the company through either of these channels.
Product Benefits:
Aditya Birla Activ One (NXT)
The Aditya Birla Activ One (NXT) covers hospitalisation expenses as well as pre and post hospitalisation expenses. Pre-hospitalisation expenses incurred for 90 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. Inpatient costs of the organ donor in case of organ transplantation are covered up to the sum insured as well. Do note that the donor’s pre and post-hospitalisation expenses will not be covered. The plan also covers non-medical expenses with no cap or limit when you opt for it as an add on.
Under Aditya Birla Activ One (NXT), there is no room rent limit or ICU rent limit. It also does not have any copayment or deductible limit. Further, there is no limit on common treatments/surgeries like cataract treatment, joint replacement surgery, etc. These are covered up to the sum insured. There is a waiting period of 48 months applicable for pre-existing diseases and a waiting period of 24 months for specific diseases.
Bajaj Allianz Health Guard (Gold)
The Bajaj Allianz Health Guard (Gold) Plan covers hospitalisation expenses as well as pre and post-hospitalisation expenses. 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. The plan covers 399 daycare treatments and all modern treatments up to the sum insured. The cost of harvesting the organ from the donor is also covered up to the sum insured. In the Bajaj Allianz Health Guard (Gold) plan, you can choose any room type - there's no restriction on room rent. Furthermore, there's no limit on ICU rent and no deductible. However, the plan comes with an optional copayment of 10% or 20%. Cataract surgery is covered up to 20% of the sum insured per eye per policy year (up to a maximum of Rs 1 lakh) and joint replacement surgery is covered up to the sum insured. There's a 36-month waiting period for pre-existing conditions and a 24-month waiting period for specific diseases, out of which some conditions come with a 36-month waiting period.