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Niva Bupa ReAssure 2.0 (Titanium+) vs Aditya Birla Activ Assure Diamond
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Niva Bupa ReAssure 2.0 (Titanium+) vs Aditya Birla Activ Assure Diamond
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Niva Bupa ReAssure 2.0 (Titanium+) with similar Health Insurances
Aditya Birla Activ Assure Diamond with similar Health Insurances
Compare Niva Bupa ReAssure 2.0 (Titanium+) and Aditya Birla Activ Assure Diamond
Claims Track Record:
Niva Bupa ReAssure 2.0 (Titanium+)
Niva Bupa Health Insurance Company Limited has a claim settlement ratio of 85.18% and claims incurred ratio of 65.44%. It has settled 99.95% of claims in less than 30 days. The company has received higher complaints related to claims as 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 ReAssure 2.0 (Titanium+)
Niva Bupa Health Insurance Company Limited offers customer service via its toll-free number and Twitter account. Based on our research, the Twitter response rate is average, and the toll-free response rate is average as well.
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 ReAssure 2.0 (Titanium+)
As part of the Niva Bupa ReAssure 2.0 (Titanium+) Plan, hospitalisation expenses as well as pre and post-hospitalisation expenses are covered. Pre-hospitalisation expenses are covered for 60 days before hospitalisation and post-hospitalisation expenses are covered for 180 days after discharge, both up to the sum insured. Additionally, the plan covers all day care treatments, domiciliary treatments, inpatient organ donor expenses, and modern treatments (except robotic surgeries) up to the sum insured. It also covers consumables up to the sum insured, if you opt for an add-on. The Niva Bupa ReAssure 2.0 (Titanium+) Plan comes with no room rent limits and ICU rent limits. There are no financial sub-limits on common treatments or surgeries like cataract treatments, joint replacement surgeries, etc., and the plan doesn’t come with any copays either. However, there is an optional deductible of Rs 20,000/Rs 30,000/Rs 50,000/Rs 1,00,000. The Niva Bupa ReAssure 2.0 (Titanium+) Plan has a waiting period of 36 months 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.