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Aditya Birla Activ One (NXT) vs Reliance General Health Infinity
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Aditya Birla Activ One (NXT) vs Reliance General Health Infinity
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Aditya Birla Activ One (NXT) with similar Health Insurances
Reliance General Health Infinity with similar Health Insurances
Compare Aditya Birla Activ One (NXT) and Reliance General Health Infinity
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.
Reliance General Health Infinity
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 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.
Reliance General Health Infinity
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 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.
Reliance General Health Infinity
As part of the Reliance General Health Infinity Plan, hospitalisation expenses and pre and post-hospitalisation expenses are covered. 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, domiciliary treatments, organ donor expenses related to harvesting the organ, and modern treatments up to the sum insured. Expenses associated with the consumables are covered up to the sum insured – if you opt for an add-on. The Reliance General Health Infinity Plan gives you the freedom to choose any room as per your preference without imposing any limits. Further, it has no ICU rent limit and sub-limits on common treatments/surgeries like cataract treatment, joint replacement surgery, etc. However, the plan does come with an optional copay of 10% and optional deductibles of Rs 10,000/Rs 25,000/Rs 50,000/Rs 1,00,000. The Reliance General Health Infinity Plan has a waiting period of 12 months for pre-existing diseases as well as specific diseases - if you opt for an add-on.