“Decoding Health Insurance Plans: Star Health Family Heatlh Optima vs. Aditya Birla Health Activ Health Platinum Ehnaced Plus: Which Plan Suits You Better? 

The insured person also faces a lot of trouble. Every day the premium of the health insurance company’s plan gets revised and the policyholders are forced to think about porting their existing health insurance policy to another company. But apart from the valid reasons for port, we will have to compare the plans, as it is in this situation, in this article only Star Health Family Health Optima and Aditya Birla Health’s Activ Health Platinum Enhanced Plus can be compared.

Star Health Family Health Optima Plan Eligibility:-

Family Floater Policy- Children 16 Days to 25 years of age, for Proposer eligibility 18 years to 65 years, renewal can be done lifetime.

Aditya Birla – Activ Health Platinum Enhanced Plus:-

Family Floater Policy- Children 91 Days to 25 years of age, for Proposer eligibility 21 years to any age, Cover Types- Individual, Multi-Individual & Family Floater.

Feastures	Star Health Family Health Optima	Aditya Birla – Activ Health Platinum Enhanced Plus
Sum Insured	1 Lakh to 25 Lakh	5 Lakh to 2cr
Room Type	1 lakh to 2 lakh, 2K per day, 3 lakh to 4 lakh 5K per day, 5 Lakh and Above Single Standard AC Room	Shared Room, Singe Pvt AC Room & Any Room
Cataract	Per Eye, 50K & per Policy Year 75K	On Actual
Emergency Ambulance	750 Per Hospitalisation & 1500 per Policy Years	World Wide Emergency Assistance without reducing the SI for any amount
Air Ambulance	upto 10% of Basic SI per Policy year	World Wide Emergency Assistance without reducing the SI for any amount
Pre-Hospitalisation	60 Days	60 Days
Post-Hospitalisation	All listed Day Care up to SI	180 Days
Day Care Procedures	All Day Care Cover up to SI	All Day Care Cover upto SI
Domiciliary Hospitalisation	Upto SI	Upto SI
Organ Donor	10% of Basic SI or 100K whichever is less	Upto SI
Annual Health Checkups	Rs.750 to 3.5K, depending upon the SI, applicable only for claim free years	Pre-Defined Cashless Facility without claim Condition means you can avail this preventive health checkup facility from Day 1
Emergency Medical Evacuation	7.5K per hospitalisation for Domestic Only	Pre-Defined Cashless Facility without claim Condition means you can avail of this preventive health checkup facility from Day 1
Treatment in Valuable Service provider Discount	1% of Base SI upto 5K whichever is less per policy year	up to 10% of Base SI with a preferred network partner
AYUSH Treatment Coverage	15K per Policy Year	Upto SI, on an IPD basis
2nd Medical E Opinion	Available	Available
Automatic Reload	Unlimited Times of reload per policy year & 100% of Base SI per event	3 times per policy year and up to 100% of Base SI
No Claim Bonus	3 times for per policy year and up to 100% of Base SI	50% of Base SI per claim free years up to 100% of Base SI
Mental Illness Hospitalisation	Not Cover	Cover Upto 100% of Base SI
Modern Treatment Cover	Cover all 12 Modern/advanced Treatment up to SI	Cover all 12 Modern/advanced Treatment upto SI
Obesity Treatment Cover	Cover Upto 100% of Base SI	Cover Upto 100% of Base SI
Premium Waiver for listed CI	Not Cover	Rs.750 to 3.5K, depending upon the SI, applicable only for claim-free years
100% Health Returns on Renewal	Not Avaialible	Available
Wellness Proposition	Non Comprehensive	Comprehensive
PED Waiting Periods	48 months from the inception date of risk with the insurer	36 months from the inception date of risk with insurer
Specific Procedures Surgery/Treatment	24 months from the inception date of risk with the insurer	24 months from the inception date of risk with the insurer