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Aditya Birla Activ One (SAVR) + Key Add-ons vs Manipal Cigna Prime Senior (Elite) + Key Add-ons
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No room rent limit
The plan offers an option to cover listed chronic conditions from Day 1 and includes external medical aids like ventilators and wheelchairs. It covers live-in partners of any gender and also pays for non-medical hospital costs such as gloves and oxygen masks.
No restrictions on hospital room you can choose
Chronic conditions like asthma, BP, etc. covered from day 1
External medical aid expenses like ventilator, wheelchair etc. covered
ILM Ratings
No room rent limit
This plan is specifically designed for senior citizens and offers comprehensive coverage. It comes with several distinctive benefits and features, such as the option to waive the mandatory co-payment and reduce the pre-existing disease waiting period to just 90 days instead of 24 months. On the flip side, however, it does not allow you to pay premiums on a monthly basis and it is expensive than other products in the market. And, as per our research, the insurer has received a higher number of claim settlement and policy purchase complaints. This indicates that the insurer has a poor track record with respect to both purchase and claims service.
Option to reduce the PED waiting period to 90 days from 24 months
Option to waive off the mandatory co-payment
Cumulative bonus payable regardless of previous year's claims
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