Activ One is stronger on room rent (and 5 more), while ReAssure 3.0 takes air ambulance (and 3 more). Which matters more depends on the risk you're covering for.
Not a clean sweep: ReAssure 3.0 still wins air ambulance and specialist second opinion - weigh those if they're your risks.
Read from each insurer’s official policy wording · plan facts last updated 9 Sept 2026 · an educational comparison, not advice and not a recommendation to buy.
Every difference that matters, split by which plan takes it - then the full receipt.
Two hospital bills in year one, on ₹10 Lakh of cover.
Both plans cover this year in full. ₹0 not covered on either.
Sum Insured, bonus and extra pools only, computed for the MAX and Elite plans. Room rent, co-pay and other limits are separate rules, not in these figures.
All 36 features we compared, in one place - what differs (ranked by what it costs you at claim time), what reads the same whichever you pick, and the few things we couldn't verify.
Ranked by what the gap costs you when you claim - not by category, and not by how many boxes each plan ticks.
Cover only one of them has, and class gaps on the features that matter most.
Material differences - read them before you settle.
Paperwork-level gaps - open any of them to verify yourself.
5 strong 10 standard 4 absent from both
Absent from both - a fact, not a feature. They can't decide anything between these two.
We refuse to guess. Open any line for the reason, then take the question straight to your agent.
49 named illnesses both wait 24 months 10 only Activ One 4 only ReAssure 3.0 read by 9 body regions
Pelvic infection
Lower Abdomen & Pelvis · Female
An infection in the female reproductive organs.
Dropped rectum
Rectal & Anal Area
A condition where the lower part of the large intestine pushes out of the body.
Severe Acid Reflux (GERD)
Upper Abdomen
Frequent, severe heartburn caused by stomach acid flowing upward.
Skin diseases
Skin & Body Surface
General problems and safe lumps affecting the skin.
Eyesight power issue
Head & Face
Common vision problems requiring glasses or contact lenses.
14 only in Activ One 6 only in ReAssure 3.0 6 written by both 16 in every policy about 8 min
We read both policies’ exclusion clauses end to end. Where only one plan writes a clause, the other side reads Not listed - and not listed is not the same as covered, so ask the insurer before you rely on it.
Written into Activ One and not listed in ReAssure 3.0.
Advanced-technology treatment is fenced off by a list, and policies write that list in one of two ways. Some name the modern procedures they pay for and refuse everything outside that list; others name the procedures they refuse. Either way a treatment the hospital recommends can sit on the wrong side of the line, so check its exact name against the policy's own list before you agree to it. The clause quoted for each policy tells you which way its list runs.
If the treatment could reasonably have been given without admitting you, the claim is refused - even though you were admitted. This is one of the most common reasons a hospital bill goes unpaid.
Consumables and convenience items on the regulator's non-medical lists - gloves, admission kits, toiletries and similar - are struck off the hospital bill, and that part stays with you unless the policy writes them back into cover. Personal comfort items such as television and cosmetics, and consumable supplies such as elastic stockings, are treated the same way where a policy names them. On a long stay these small lines add up to real money.
Glasses, contact lenses and hearing aids are not paid for: they count as external aids rather than as treatment. Each policy groups them with the other corrective aids its own clause names, and some clauses reach further, as far as devices such as cochlear implants. Where a policy writes a way in, a device needed because of an illness or injury, one fitted during an operation, or an implant made necessary by an accident, its own clause says so.
Growth hormone therapy is excluded by name, and the clause gives no exception for a diagnosed deficiency. If a child needs it, you pay for it yourself - often lakhs of rupees a year, for several years.
Hormone replacement therapy is excluded by name - the treatment used to replace hormones the body no longer makes, most often around menopause or after surgery that removes the ovaries or testes. You pay for it yourself.
Physical, psychiatric and psychological examinations and testing are excluded by name. This clause does not reach the treatment that follows: whether that treatment is paid is settled by each policy's own mental-health cover. But the assessment that leads to it is on you.
Any procedure using a radio-frequency probe - for example cardiac ablation for an arrhythmia, varicose vein treatment, tumour ablation or nerve ablation for chronic pain - is excluded. Some policies pay for it if the insurer approves the procedure in writing before it happens; the clause quoted for each policy tells you whether that route exists.
Stem cell therapy - treatment that uses stem cells to repair damaged blood, tissue or organs - is excluded. Where a policy makes an exception, most often for stem cells used in a bone marrow transplant, its own wording says so.
We have read this clause but not written it up in plain English yet.
We have read this clause but not written it up in plain English yet.
We have read this clause but not written it up in plain English yet.
We have read this clause but not written it up in plain English yet.
We have read this clause but not written it up in plain English yet.
Written into ReAssure 3.0 and not listed in Activ One.
The insurer can put a named condition on a wait of up to 48 months for one specific person - a year longer than the pre-existing wait, and none of the three waiting-period add-ons shortens it. It is set when you buy, and it is printed on your own schedule.
The insurer can refuse an admission it judges was not medically needed - and, where the policy's own wording says so, any charge it judges above the going rate. It is the widest discretion in a policy and it applies to every claim, so keep the treating doctor's reasons on the file.
If your doctor prescribes a drug for something it was not formally approved to treat, the policy will not pay - even though off-label prescribing is routine, particularly in cancer care.
Acts of terrorism are excluded. Many Indian health policies pay for terrorism-related injuries, so an exclusion that removes that cover is worth noticing. Where the wording reaches indirect causes too, the clause itself says so.
Once a vegetative state or brain death is confirmed and treatment will not bring recovery, life support stops being paid. Families meet this clause at the worst possible moment, so it is worth knowing before you need it.
On the Classic and Select variants only a mono-focal lens is paid for. If you want a multifocal lens you pay the difference, and this restriction sits in the benefit clause rather than the exclusions list.
Both plans write these, beyond the ones every policy carries below.
Birth defects visible on the outside of the body are not paid for. The clause reaches only external conditions - internal birth defects are not excluded by it. Some policies apply a waiting period to an internal birth defect instead, so it is paid only after that period ends. The conditions quoted for each policy say whether that applies.
Ordinary dental work - check-ups, fillings, root canals, dentures - is usually not paid for. Serious dental treatment is paid only where the policy writes an exception of its own, so the exact trigger - an accident, a hospital admission, a named illness - sits in each policy's clause.
A device you can put on and take off yourself, without a surgery to fit it, counts as equipment rather than as treatment, and is not paid for. Each policy draws the line in its own words: some list the items, such as wheelchairs, walkers, crutches, glucometers, oxygen concentrators and machines for sleep apnoea, and others set a test, such as whether the device can be removed without surgery. Where a policy writes a way in, either inside the clause or through an add-on that names the items it will pay for, its own wording says so.
We have read this clause but not written it up in plain English yet.
We have read this clause but not written it up in plain English yet.
We have read this clause but not written it up in plain English yet.
Written into every policy in India in the same words, so these cannot tell one plan from the other.
If you had a health issue before you bought the policy, the insurer will not pay for treating it until the pre-existing waiting period ends. Each plan sets its own period. Once it ends, a pre-existing illness you declared when applying is covered like any other.
Some named illnesses and surgeries have their own, longer waiting period. The insurer will not pay for them until that period ends, even if the problem started after you bought the policy. Treatment needed because of an accident is not held back by this rule.
When you buy a health policy for the first time, you may not claim for sicknesses during the first 30 days. However, emergency hospital visits due to accidents are an exception. They are covered right away.
Health insurance pays for actual medical treatments. If you stay in a hospital purely for diagnostic tests or scans, the bill may not be covered. There must be an active treatment going on.
Insurance may not pay for general caretaking. Staying at a facility just to rest is not covered. Hiring helpers for daily tasks like walking or dressing may also be paid from your own pocket.
The policy pays for weight-loss surgery only when your doctor advises it, you are 18 or older, and your BMI is 40 or more - or 35 or more together with a condition like heart disease, severe sleep apnoea or uncontrolled diabetes. Surgery to change how you look is not covered.
Surgeries done just to look better are excluded. However, plastic surgery needed after a bad accident may be covered. Surgeries for burns or cancer reconstruction are also covered.
Standard policies do not cover extreme sports for professionals. If you get hurt while competing in dangerous sports, your bills may not be paid.
Insurance companies expect you to follow the law. If you get hurt while committing a crime, your hospital bills may not be covered.
Insurance companies have a list of banned hospitals and doctors. If you go to them, your claim may be rejected. The exceptions are a life-threatening emergency or an accident - and even then the policy pays only up to the point you are stabilised.
Any sickness or injury caused by alcohol or illegal drugs is not covered. Addiction treatments are also excluded. You may have to pay for these yourself.
Staying at a spa or wellness retreat is not treated as a medical hospital stay. Insurance is for medical treatments, not for relaxation. These bills may not be paid.
Surgeries to remove your glasses are usually not covered. They are seen as a cosmetic choice. The policy pays only when your eyesight is very weak - 7.5 dioptres or worse.
Insurance companies only pay for standard, proven medical treatments. Experimental therapies are not covered. Untested new-age treatments may also be rejected.
Medical costs for family planning are not covered. This means the policy may not pay for treatments to prevent pregnancy. It also may not pay for treatments to get pregnant.
Standard health policies may not cover the costs of pregnancy or childbirth. Normal deliveries and C-sections are excluded. The usual exception is an ectopic pregnancy; where a policy pays maternity as a benefit, its own wording says so.
Activ One leads - on a genuine split.
We surface; you decide. Below: where every concern lands, and how each side's record reads. Open a concern to bring the ledger down to just its features.
Your priorityTake the 2-minute assessment - we'll read this board against what matters to you.