Star Health Comprehensive Vs Aditya Birla Health Activ One Max, which plan is better?
If you are considering taking health insurance, you cannot compare its benefits only with your advisors/agents and should also do the comparison yourself. So for this purpose, in this article, we compare the “Comprehensive Plan” of Star Health Insurance and “Activ One Max” of Aditya Birla Health Insurance. So that it will be easy for you to decide which of the plans should go out of these.
| Sr. No. | Comparison Features | Star Health Comprehensive | Aditya Birla’s Activ One Max |
| 1 | Entry Age Adults | 18 Years to 65 Years | 18 years to Any age |
| 2 | Entry Age Child | 91 Days to 25 Years | 91 Days to 25 Years & Min 5 Years for Individual |
| 3 | Policy Type | Individual / Family Floater | Individual / Family Floater |
| 4 | Tenure | 1/2/3 Years | 1/2/3 Years |
| 5 | Family Definition | 2 Adults +3 Kids | 2 Adults +4 Kids |
| 6 | Cover Type | Family Floater, Individual & Multi-Individual | Family Floater, Individual & Multi-Individual |
| 7 | Premium Type | Age Banded | Age Banded |
| 8 | Premium 3 Zones | Zone I,II & III | Zone I,II & III |
| 9 | Relationship Cover | In Multi-Individual 15 relationships and Floater 2Adults+3Kids | In Multi-Individual 15 relationships and Floater 2Adults+4Kids |
| 10 | Basic Sum Insured | 5 Lakh to 1 Cr | 7 Lakh to 2 Cr |
| 11 | Room Rent | Single Pvt AC Room | Actuals Upto Base Sum Insured upto Any Room |
| 12 | ICU Charges | Actuals Upto Base Sum Insured | Actuals Upto Base Sum Insured |
| 13 | Road Ambulance | Actuals Upto Base Sum Insured per hospitalisation | Actuals Upto Base Sum Insured per hospitalisation |
| 14 | Day Care Treatment | Actuals up to Sum Insured | Actuals up to Sum Insured |
| 15 | Modern Procedures / Treatments | Limits Sub-Limits applicable on Sum Insured Basis & Treatment Basis on listed Procedures | Actuals up to Sum Insured for listed procedures |
| 16 | HIV / AIDS and STD Cover | Not Available | Actuals up to Sum Insured |
| 17 | Mental Illness Hospitalization | Not Available | Actuals up to Sum Insured |
| 18 | Obesity Treatment | Rs.2.5 Lakh for Rs. 5 Lakh to Rs.15 Lakh SI and above Rs. 15 Lakh Limit is Rs.5 Lakh | Actuals up to Sum Insured |
| 19 | Pre-Hospitalization Expenses | 60 Days up to Sum Insured | 90 Days up to Sum Insured |
| 20 | Post-Hospitalization Expenses | 90 Days up to Sum Insured | 180 Days up to Sum Insured |
| 21 | Claim Protect (Non-Medical Expense Waiver) | Not Available | Non-payable items will be covered (all 4 lists of Annexure I) |
| 22 | Domiciliary- Hospitalization | Actuals up to Sum Insured | Actuals up to Sum Insured |
| 23 | Home Health Care | Not Available | Actuals up to Sum Insured |
| 24 | AYUSH Treatment | Rs.15K for Rs. 5 Lakh to Rs. 15 Lakh SI, Rs. 20K for Rs. 20 lakh to Rs. 25 Lakh SI and for the above Sum Insured Rs.30K | Actuals up to Sum Insured |
| 25 | Organ Donor Expenses | Actuals up to Sum Insured | Actuals up to Sum Insured |
| 26 | Annual Health Check-up | After the 1st Renewal for every last claim free years with Limits as per the Base Sum Insured | Cover Listed & Cashless, from Day 1 of Policy Issuance, on cashless basis |
| 27 | Super Reload | Not Available | from 2nd Claims onwards upto Base Sum Insured |
| 28 | Super Credit (Increases Irrespective of Claim) | No Super Credit is Available, but No Claim Bonus is 50% up to 100% per claim-free year for 5 Lakh SI and above 5 lakh 100% up to 100%, with clawback applicable | 100% of SI per year, up to 500% of Base Sum Insured (up to Max of 3 Cr under this benefit), for the lifetime, no clawback applied |
| 29 | Maternity Cover | Rs. 15K to 50K for Normal Delivery and Rs.20K to 100K for C-Section Delivery, depending up on the Base Sum Insured , with 24 Months waiting periods for 2 Delivery and gap should be 24 months | Not Available |
| 30 | HealthReturns/ Discounts on Renewal | Through Wellness Programme 2% to 10% | Upto 100% |
| Optional Cover | Optional Cover | Optional Cover | |
| 1 | Durable Equipment Cover | Not Available | Yes |
| 2 | Advanced Health Check-up | Not Available | Yes |
| 3 | Reduction in Specific Disease waiting period | Not Available | 2 years to 1 year |
| 4 | Reduction in Pre-Existing Disease waiting period | Not Available | 3 Years to 2 Years & 3 Years to 1 Year |
| 5 | Room Rent Type Options | Not Available | Any Room, Single Pvt Room & Shared Room |
| 6 | Per Claim Deductible | Not Available | Rs.15000 & Rs.25000 |
| 7 | Preferred Provider Network (PPN) Discount | Not Available | 10% discount applicable |
| 8 | Chronic Care (Day 1 In-patient Hospitalization) | Not Available | For Diabetes, Hypertension, Asthma, Hyperlipidemia, COPD, Obesity and PTCA (prior to 1 year) |
| 9 | Compassionate Visit | Not Available | Up to Rs.50,000 for two-way travel fare if hospitalization exceeds 10 days |
| 10 | Second Medical Opinion for listed Major Illness | Yes | Yes |
| 11 | Annual Screening Package for Cancer Diagnosed Patients | Not Available | Rs.10000 / Member / Policy Year |
| 12 | Personal Accident | Yes | Yes |
| 13 | Critical Illness | Yes | Yes |
| 14 | Cancer Booster | NO | Yes, upto 100% of Base Sum Insured |