GST 0% on Health Insurance: 12-Point Comparison of HDFC, C Ke, and Aditya Birla

GST 0% on Health Insurance: 12-Point Comparison of HDFC, C Ke, and Aditya Birla

The government recently reduced GST on health insurance to 0%. This clearly shows that health insurance is no longer a luxury but a necessity for every family. A medical emergency can put not just the poor but also middle-class and wealthy individuals at financial risk.

Even celebrities like Saif Ali Khan have health insurance. For middle-class and lower-middle-class families, it’s now a must-have.

The biggest challenge is that there are thousands of policies in the market, and people often get confused about which health insurance is the best for them.

Today, I’ll make it easy for you. We’ll compare HDFC Optima Secure, C Ke Supreme, and Aditya Birla Activ 1 Max across 12 different parameters, so by the end of this blog, you’ll know exactly which plan suits you best.

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3 Important Things to Check Before Buying Health Insurance

1. Co-payment
   If a policy has a co-payment clause, you may have to pay a portion of the bill during a claim.

   • Example: 30% co-payment = For a ₹100,000 bill, you pay ₹30,000 yourself.
     Tip: Avoid policies with mandatory co-payment.

2. Room Rent Limitation
   Many policies limit the room rent. If your hospital room costs more than the limit, you may have to pay the extra.
   Tip: Ensure there are no such restrictions in your policy.

3. Diseases with Sub-limits
   Some policies cap coverage for specific illnesses.
   Tip: Your policy should cover full costs for any illness.

Apart from these, checking all terms individually can be tough. A trusted expert like Deto can help with free 30-minute consultation.

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12-Point Comparison: HDFC vs C Ke vs Aditya Birla

1. Sum Insured Range (Coverage Amount)

   • HDFC: ₹5 Lakh – ₹2 Crore

   • C Ke: ₹5 Lakh – ₹1 Crore

   • Aditya Birla: ₹5 Lakh – ₹6 Crore
     Winner: Aditya Birla for long-term, high medical coverage

2. Co-payment

   • No mandatory co-payment in all three plans

3. Room Rent Limit

   • No restrictions; general or private rooms covered

4. Diseases by Sub-limits

   • No sub-limits in any plan

5. Pre & Post Hospitalization

   • HDFC & C Ke: 60 days pre + 180 days post

   • Aditya Birla: 90 days pre + 180 days post

6. Daycare, Domiciliary & AYUSH Treatments

   • Covered fully in all three plans

7. Annual Health Checkups

   • HDFC: Free

   • C Ke: Add-on from second year

   • Aditya Birla: Free from start

8. Restoration Benefit

   • HDFC: 100%

   • C Ke & Aditya Birla: Unlimited (can be used for the same illness)

9. Cumulative Bonus

   • HDFC & C Ke: 50% per year (max 100%)

   • Aditya Birla: 100% per year (max 500%)

10. Waiting Periods

    • Almost the same: Initial 30 days, specific diseases 24 months, pre-existing conditions 36 months

11. Standout Features

    • HDFC: Secure Benefit, Consumables, Home Health Care

    • C Ke: Unlimited e-consultations, Wellness Programs, Claim Shield

    • Aditya Birla: Health Returns, Chronic Care, Cancer Booster, BP & Diabetes cover

12. Add-on & Customization

    • HDFC: Unlimited Restoration, OPD Plan, Deductible Option

    • C Ke: Instant cover, OPD consultations, Reduced waiting

    • Aditya Birla: Cancer Booster, Critical Illness Rider, Second Opinion, Vaccine Cover, Personal Accident

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Final Verdict

• HDFC Optima Secure – Simple, hassle-free, with home care features

• C Ke Supreme – Unlimited restoration, fitness & wellness features

• Aditya Birla Activ 1 Max – High coverage, long-term growth, advanced features

Don’t decide based solely on the cheapest premium. Choose a policy that fits your needs and priorities.

If you’re still confused, take Deto’s free consultation. No spam calls, just expert advice.

Health insurance is crucial for your financial stability. Share this blog with your friends and family!