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Niva Bupa Aspire (Titanium+) vs Aditya Birla Activ Assure Diamond
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Niva Bupa Aspire (Titanium+) vs Aditya Birla Activ Assure Diamond
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Niva Bupa Aspire (Titanium+) with similar Health Insurances
Aditya Birla Activ Assure Diamond with similar Health Insurances
Compare Niva Bupa Aspire (Titanium+) and Aditya Birla Activ Assure Diamond
Claims Track Record:
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.
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:
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.
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:
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.
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.