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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. GoActive is sold by Max Bupa and ProHealth Premier is sold by Manipal Cigna. So any meaningful comparison should include a comparison of the product alongside the insurers themselves.

Second, we know that both products have subtle differences in their core structure. GoActive is reasonably comprehensive. Sure, it doesn’t have all the bells and whistles, but it also doesn’t impose any mindless restrictions. ProHealth Premier, meanwhile, is a relatively expensive premium policy tailored to cover as many use cases as possible. So while the differences in features may be subtle, the pricing could be drastically different depending on the cover amount you pick.

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 GoActive. The product comes from Niva Bupa (erstwhile Max Bupa)’s stable:

Founded in 2008, Niva Bupa (erstwhile Max Bupa) is one of the leading health insurance companies in India. While they have had a bit of a tumultuous time with their promoters, they still sell an impressive suite of products across multiple categories.

And they also boast a claim settlement ratio of 91%, with a network of more than 10,000+ hospitals.


ProHealth Premier meanwhile comes from Manipal Cigna’s stable:

ManipalCigna Health Insurance Company is a collaborative partnership between Manipal Group and Cigna and together they have over 200 years of expertise in the healthcare business. And while the company has shown some potential recently, it still only corners a small part of the Indian market.

Also, they have a settlement ratio of 90% with more than 8,500+ network hospitals in tow.

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Insurance Parameters

Recommended
Not Recommended
Network hospitals
10,000+
8,500+
Claim settlement ratio

(avg. of last 3 years)

91%
90%
Co-payment

No

20%

(if purchased after turning 65)

Room rent

Any Room

(Except suite)

Any Room

(Except suite)

Disease sub-limit

No

No

Pre existing diseases waiting

3 years

2 years

Pre/Post hospitalization

90/180 days

60/180 days

No claim bonus

10% per year

(up to 200%)

Domiciliary
Ayush treatments
Restoration benefit

100% restoration

(once for different illness)

100% restoration

(unlimited no. of times

for different illness)

Health check-up
Once every year
Once every year
Maternity

Available

(up to ₹2,00,000 after 4 years)

Out Patient Department

Up to ₹2,000

(cap of ₹500 on each consultation)

Up to ₹15,000

(Annually)

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, GoActive doesn’t impose a co-payment clause whereas ProHealth Premier requires you to co-pay a part of the bill 20% if you purchase after turning 65

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, GoActive lets you stay in any room you like so long as it isn’t a Suite room and ProHealth Premier does the same thing i.e. it lets you stay in any room you like so long as it isn’t a Suite room

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, neither GoActive imposes disease-wise sub-limits nor does ProHealth Premier

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, GoActive imposes a waiting period of 3 years on pre-existing diseases while ProHealth Premier extends a waiting period of 2 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, GoActive covers expenses incurred 90 days before hospitalization and expenses incurred 180 days post-hospitalization. Meanwhile, ProHealth Premier covers expenses incurred 60 days before hospitalization and expenses incurred 180 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, GoActive doesn’t offer a no-claim bonus whereas ProHealth Premier offers 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, GoActive offers domiciliary cover. And ProHealth Premier also coves domiciliary expenses.

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, GoActive covers Ayush procedures and ProHealth Premier 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, GoActive doesn’t offer protection for maternity-related hospitalizations whereas ProHealth Premier 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, GoActive offers OPD coverage, and ProHealth Premier also offers OPD coverage, although the sub-limits may be different.

Final Conclusion

It depends on your budget. GoActive is relatively more affordable when you compare the common use cases but ProHealth Premier obviously offers better protection, since it offers a whole host of benefits that GoActive simply doesn’t offer. So yeah, depending on the use case you’re trying to optimize for, you can make a choice.

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