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Care Insurance Care vs Aditya Birla Activ Fit (Plus)
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Claims Track Record:
Care Insurance Care
Care Health Insurance Company has a claim settlement ratio of 85.64% and a claims incurred ratio of 56.19%. It has settled 99.99% of claims within 30 days. Furthermore, it has a high complaint rate related to claims, as compared to other insurers.
Aditya Birla Activ Fit (Plus)
Aditya Birla Health Insurance Company Limited has a claim settlement ratio of 90.24% and claims incurred ratio of 72.71%. The company has also settled 98.61% of claims in less than 30 days. They have received higher claim complaints as compared to other insurance companies.
Service Experience:
Care Insurance Care
Care Health Insurance Company provides customer support through its toll-free helpline and Twitter channel. While the toll-free response time is quick, their Twitter response time is comparatively slower. Therefore, if you need an immediate response, using the toll-free number might be the preferable choice.
Aditya Birla Activ Fit (Plus)
Aditya Birla Health Insurance Company Limited facilitates customer service via its toll-free number and Twitter channel. Based on our research, their Twitter response rate is quick and their toll-free response rate is average. Therefore, if you require a quick response, their Twitter handle may be the better option.
Product Benefits:
Care Insurance Care
The Care Insurance Care Plan offers comprehensive coverage, encompassing hospitalisation expenses, pre-hospitalisation, and post-hospitalisation costs. Pre-hospitalisation expenses are covered for up to 30 days before hospitalisation, while post-hospitalisation expenses are covered for up to 60 days after discharge, all up to the sum insured. Furthermore, the policy covers 541 day care treatments along with modern treatments, both up to the sum insured. Domiciliary treatments (except 12 illnesses) are covered up to 10% of the sum insured and organ donor expenses related to harvesting the organ are covered up to Rs 1 lakh. Consumables are also covered up to the sum insured. With the Care Insurance Care Plan, you can choose only up to a single private AC room during your hospital stay. There is no ICU rent limit or deductible limit. However, there is a 20% copayment for individuals aged 61 years and above. The policy does not impose any restrictions on common treatments or surgeries, such as cataract treatment, joint replacement surgery, etc. Under this plan, the waiting period for pre-existing diseases is 24 months if you choose an add-on, and specific diseases also have a 24-month waiting period.
Aditya Birla Activ Fit (Plus)
The Aditya Birla Activ Fit (Plus) 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. It also covers daycare treatments, domiciliary treatments, organ donor expenses related to harvesting the organ, and modern treatments up to the sum insured. The plan also covers the cost of consumables up to the sum insured if opted for as an add-on. With the Aditya Birla Activ Fit (Plus) Plan, you can pick any room you want. There is no room rent limit. Besides that, there's no ICU rent limit and copayment/deductible limit. Also, there's no cap on common treatments/surgeries like cataract surgery, joint replacement surgery, etc. The Aditya Birla Activ Fit (Plus) 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.