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Introduction

Before we start comparing these two policies we have to set out some ground rules.

Both products are marketed by different insurance companies. Activ Care Standard is sold by Aditya Birla and Arogya Plus is sold by SBI. So any meaningful comparison should include a comparison of the product alongside the insurers themselves.

Second, we know that both products have massive differences in their core structure. Activ Care Standard is specifically designed for senior citizens. However, Arogya Plus is quite comprehensive. It offers considerable protection and it doesn’t impose as many restrictions. So in many ways, you’re comparing apples and oranges here.

And finally, any comparison is ultimately futile without considering the use case. Who are you buying this policy for? You, your family, your parents?

That’s something you’ll need to answer before using this guide. So with that introduction out of the way, we can get to comparing the actual policies themselves.


Let’s start with Activ Care Standard. The product comes from Aditya Birla’s stable:

Aditya Birla started operations in the year 2016 as a subsidiary of Aditya Birla Capital Ltd., which in turn happens to be a joint venture between the famed Aditya Birla Group and MMI Holdings (South Africa).

The company holds a claim settlement ratio of 95% along with a network of more than 11,000+ hospitals, and extremely interesting products for young people with a focus on fitness. And considering their track record has been improving rapidly they are emerging as a top health insurer in the market.


Arogya Plus meanwhile comes from SBI’s stable:

SBI General Insurance Company Limited is a joint venture between the State Bank of India and Insurance Australia Group (IAG). The firm, which was founded in 2008, offers insurance products in the areas of auto, travel, home, and health.

However considering they are a part of India’s largest government-owned banking firm, you can expect a bit of dilly-dallying during the claims process. And their claim settlement ratio of 97% isn’t something to boast of either.

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Insurance Parameters

Recommended
Not Recommended
Network hospitals
11,000+
6,000+
Claim settlement ratio

(avg. of last 3 years)

95%
97%
Co-payment

20%

No

Room rent

Shared Room

Any Room

Disease sub-limit

Yes

Yes

Pre existing diseases waiting

2 years

4 years

Pre/Post hospitalization

30/60 days

60/90 days

No claim bonus

10% per year

(up to 50%)

Domiciliary
Ayush treatments
Restoration benefit

50% restoration

(once for different illness)

Health check-up
Maternity

Available

(Up to Defined limits)

Out Patient Department
Day care

Feature Comparison

coPay

Co payment

With a co-payment clause, the insurer will mandate that you pay a part of the bill. So if the bill adds up to Rs. 2,00,000 and the co-payment is set at 20% then you could be asked to pay Rs. 40,000 from the bill. In this case, however, Activ Care Standard imposes a mandatory co-payment of 20% . And Arogya Plus doesn’t impose a co-payment clause.

roomRent

Room rent

If the policy does impose room rent restrictions then the insurer may only let you stay in a room of a certain specification or impose a cap on the total room rent. If you were to breach either criterion then the insurance company may ask you to pay a portion of all the expenses you incurred while staying in the room. In this case, however, Activ Care Standard only lets you stay in a shared room but you can pick any room you want with Arogya Plus.

diseaseSublimit

Sub limits

Some policies will tell you that they will cover all medical expenses up until the sum insured, but then impose caps on the total costs you can incur while dealing with a very specific list of diseases. We call these caps “Disease Wise Sub Limits.” In this case, Activ Care Standard imposes disease-wise sub-limits on null whereas Arogya Plus imposes sub-limits on Internal Congenital, Genetic Disorders, mental illness, modern treatments

ped

Waiting periods for pre-existing diseases

If you’re suffering from a lifestyle condition or if you’ve had surgery in the past, or if you’re dealing with an acute or chronic illness at the time of buying the policy, then the insurer may classify this as a pre-existing disease. And they may tell you that they will only cover these illnesses after some time. In this case, Activ Care Standard imposes a waiting period of 2 years on pre-existing diseases while Arogya Plus extends a waiting period of 4 years on existing conditions.

prePost

Pre and post Hospitalization expenses

Most people aren’t hospitalized right off the bat. Instead, they’ll have to go through a whole series of diagnostic tests before hospitalization and take medication post-discharge. These costs are outlined as pre-hospitalization expenses and post-hospitalization expenses respectively. In this case, Activ Care Standard covers expenses incurred 30 days before hospitalization and expenses incurred 60 days post-hospitalization. Meanwhile, Arogya Plus covers expenses incurred 60 days before hospitalization and expenses incurred 90 after hospitalization, although there may be different sub-limits

ncb

No claim bonus

Some policies will tell you that they will incentivize you for not making a claim in any given year. And they offer such incentives by offering extra cover on top of the existing sum insured. This extra cover is categorized as a no-claim bonus. In this case, however, Activ Care Standard offers a no-claim bonus whereas Arogya Plus doesn’t offer a no-claim bonus.

domiciliary

Domiciliary

Imagine you are forced to treat yourself at home because you don’t find a hospital bed, or you have a chronic condition that prevents you from visiting one, then, insurers may choose to cover your treatment even if you’re hospitalized at home. And such costs are collectively categorized as domiciliary treatment costs. In this case, however, Activ Care Standard doesn’t offer domiciliary protection whereas Arogya Plus offers domiciliary cover.

ayush

Ayush treatments

Most policies only cover treatments administered in a registered medical facility. However, on some occasions, you may want to pursue alternative treatments including homoeopathy, Ayurveda, Unani and Siddha. These treatments are collectively categorized as Ayush treatments. And in this case, Activ Care Standard covers Ayush procedures and Arogya Plus also extends coverage for Ayush treatments.

maternity

Maternity benefits

If you’re hospitalized during childbirth, then you may have to incur significant costs during delivery of your newborn, child care and other related matters during the course of the hospitalization. These costs are collectively termed maternity costs. And in this case, however, Activ Care Standard doesn’t offer protection for maternity-related hospitalizations whereas Arogya Plus offers maternity cover.

opd

Out Patient Department (OPD)

Doctor visits and regular consultations aren’t usually covered by health insurance policies. They are categorized as Outpatient consultations (or OPD treatments) and patients have to bear the cost on their own. In this case, however, Activ Care Standard doesn’t offer OPD protection whereas Arogya Plus offers OPD cover.

Final Conclusion

Since this isn’t a fair comparison, to begin with, we will only tell you this much. If you want something that’s comprehensive, you could go for Arogya Plus. However, if you are specifically looking to buy a policy for senior citizens, then you may want to consider Activ Care Standard.

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