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Activ One is stronger on room rent (and 6 more), while ReAssure 3.0 takes cumulative bonus (and 6 more). Which matters more depends on the risk you're covering for.
Not a clean sweep: ReAssure 3.0 still wins cumulative bonus and specialist second opinion - weigh those if they're your risks.
Read from each insurer’s official policy wording · plan facts last updated 17 Aug 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.
You’ve seen who wins what. Now put one real bill through both.
All 41features 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.
Strong vs standard coverBig hospital bills
Activ One pays for any room. ReAssure 3.0 covers up to a single Private Room - take a costlier room and a flat co-pay is taken off the entire bill, not just the room.
Strong vs limited coverBig hospital bills
With ReAssure 3.0, your daily ICU limit is a percentage of your sum insured, for example 2%. If your cover is small, this daily limit is also low.
Each stronger on a different termCancer & serious illness
A real trade-off: Activ One is stronger on survival Period Post-Diagnosis (Days) - 15 days vs 30 days; ReAssure 3.0 on maximum Sum Insured Option (INR) - ₹3 Cr vs ₹25 Lakh. Which wins depends on the risk you'd rather cover.
Only in ReAssureBig hospital bills
ReAssure 3.0 has this in the base plan (up to ₹5 Lakh per claim); Activ One doesn't cover it at all - that cost stays entirely yours with Activ.
Material differences - read them before you settle.
Both strong - a shade apartWorth it if I never claim?
Activ One's bonus keeps growing even in a claim year (+100% a year); ReAssure 3.0's bonus pauses when you claim - the year you need it is the year it stops building.
Built into Activ · add-on in ReAssureBig hospital bills
Activ One absorbs the "non-payable" consumables built in; with ReAssure 3.0 it's a paid add-on - without it, those line items stay on your bill.
Only Activ offers it (add-on)When does my cover switch on?
Activ One has this as a paid add-on; ReAssure 3.0 doesn't cover it at all - that cost stays entirely yours with ReAssure.
Built into ReAssure · add-on in ActivCancer & serious illness
ReAssure 3.0 builds this in; with Activ One it's a paid add-on - skip the rider and you don't have it.
Built into Activ · add-on in ReAssureEveryday medical costs
Activ One builds this in; with ReAssure 3.0 it's a paid add-on - skip the rider and you don't have it.
Strong vs standard coverEveryday medical costs
With ReAssure 3.0, this pays only when an accident caused it, like a fall, a crash or a fracture. Illness-driven surgery, which is the more common case, is not covered.
Only ReAssure offers it (add-on)Cancer & serious illness
ReAssure 3.0 has this as a paid add-on; Activ One doesn't cover it at all - that cost stays entirely yours with Activ.
Only ReAssure offers it (add-on)Big hospital bills
ReAssure 3.0 has this as a paid add-on; Activ One doesn't cover it at all - that cost stays entirely yours with Activ.
Only in ActivBig hospital bills
Activ One has this in the base plan; ReAssure 3.0 doesn't cover it at all - that cost stays entirely yours with ReAssure.
Only in ReAssureEveryday medical costs
ReAssure 3.0 has this in the base plan; Activ One doesn't cover it at all - that cost stays entirely yours with Activ.
Only ReAssure offers it (add-on)Cancer & serious illness
ReAssure 3.0 has this as a paid add-on; Activ One doesn't cover it at all - that cost stays entirely yours with Activ.
Paperwork-level gaps - open any of them to verify yourself.
Differs on Minimum Continuous Treatment Days Required
Insurer-written exclusion clauses beyond the standard set, present in one policy and not the other. On the other side, absence means it is not listed as excluded - check with the insurer, don't assume covered.
A set of advanced procedures is excluded by exact name - high-technology treatments the policy will not pay for even though hospitals offer them. Before you agree to a procedure with a brand-style name, check that name against the policy's own list.
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. 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.
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.
Read the same whichever you pick - the floor you're safe on either way. Open any line to check the values yourself.
Differs on Specific Treatments Explicitly Covered at Home
Differs on Cover amount
Differs on Usable by Members
Differs on Treatment Type Covered
Absent from both - a fact, not a feature. They can't decide anything between these two.
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.
The regulator standardised both the wording and the codes of these clauses, so they read the same in every policy sold in India - they can’t tell one plan from another.
Aesthetic procedures, weight-loss surgery or hair transplants - unless medically required after an accident.
Treatment arising from intentional self-harm or reckless exposure to extreme risk.
Unlicensed skydiving, bungee jumping, deep-sea diving or professional motorsport.
Injury from active participation in war, military operations, nuclear radiation or terrorism.
Standard waits (often 12–24 months) before pregnancy, childbirth and neonatal care are payable.
Therapy for drug abuse, alcoholism, smoking cessation and long-term psychiatric care beyond stabilisation.
Both plans make you wait before covering certain conditions, but they don't name the same ones. Select a body region or view the entire body to see which conditions each plan lists. A condition missing from a plan's list isn't a promise of cover - it simply isn't named there.
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.
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.