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Bajaj Allianz My Health Care vs Aditya Birla Activ Assure Diamond
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Bajaj Allianz My Health Care vs Aditya Birla Activ Assure Diamond
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Bajaj Allianz My Health Care with similar Health Insurances
Aditya Birla Activ Assure Diamond with similar Health Insurances
Compare Bajaj Allianz My Health Care and Aditya Birla Activ Assure Diamond
Claims Track Record:
Bajaj Allianz My Health Care
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.
Aditya Birla Activ Assure Diamond
Aditya Birla Health Insurance Company Limited has a claim settlement ratio of 90.24% and claims incurred ratio of 72.71%. It has also settled 98.61% of claims in less than 30 days. They've received higher complaints related to claims, as compared to other insurers.
Service Experience:
Bajaj Allianz My Health Care
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.
Aditya Birla Activ Assure Diamond
Aditya Birla Health Insurance Company Limited offers customer service via Twitter and their toll-free number. According to our research, their Twitter response rate is quick and their toll-free response rate is average. So, their Twitter handle can be the ideal choice for customers looking for prompt assistance.
Product Benefits:
Bajaj Allianz My Health Care
The Bajaj Allianz My HealthCare 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 180 days after discharge up to the sum insured. It covers 399 daycare treatments, domiciliary treatments (except 15 illnesses), 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. The Bajaj Allianz My HealthCare Plan comes with a room rent limit, under which you can select up to a Single Private Room. There is no ICU rent limit or deductible. However, you can opt for an optional copayment of 5% or 10% or 20%. 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, and specific diseases/treatments have a 24-month waiting period.
Aditya Birla Activ Assure Diamond
With the Aditya Birla Activ Assure Diamond Plan, hospitalisation expenses and pre and post-hospitalisation expenses are covered. Pre-hospitalisation expenses are covered for 30 days before hospitalisation and post-hospitalisation expenses are covered for 60 days after discharge - up to the sum insured. Additionally, the insurer covers 586 daycare treatments, organ donor expenses related to harvesting the organ, and modern treatments up to the sum insured. Domiciliary treatments (except 9 illnesses) are covered up to 10% of the sum insured. Expenses related to consumables are covered up to the sum insured - if you opt for an add-on. With the Aditya Birla Activ Assure Diamond Plan, you can choose any room you want without placing any cap. Moreover, it has no ICU rent limit, deductible limit, or sub-limit on common treatments/surgeries like cataract treatment, joint replacement surgery, etc. However, there is a copay of 20% for the entry age of 61 years and above. The Aditya Birla Activ Assure Diamond Plan has a 48-month waiting period for pre-existing diseases, 24 months for specific diseases, and 48 months for genetic disorders.