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Which one? | Star Comprehensive or ABHI Activ Assure Diamond

Star Comprehensive Insurance Policy (SCHP) are Aditya Birla Health Insurance (ABHI) Activ Assure Diamond are two of the most popular health insurance policies

3 min read

May 30, 2024

OneAssure

Making an informed decision while buying a policy is essential but difficult due to the complex nature of policy documents.

There are a number of insurance companies in the market right now with an entire range of policies on offer for you to choose from. For a common person, however, it is extremely difficult to go through the nuances of various policies and to understand the technicalities thoroughly. Making an informed decision while buying a policy is essential but difficult due to the complex nature of policy documents. And this is where we step in.      

Star Comprehensive Insurance Policy (SCHP) are Aditya Birla Health Insurance (ABHI) Activ Assure Diamond are two of the most popular health insurance policies today. While both cover all expenses which require hospitalization of more than 24 hours, all day care procedures, ICU expenses as per actuals and annual health checkups; there are also several differences among the two.

Here, we will compare the most important aspects of two policies, so that you can weigh your options carefully before opting for one.

ParameterSTAR ComprehensiveRatingABHI Activ Assure DiamondRating
OPD BenefitsProvides OPD Cover from Rs. 300-5,500per consultation based on the sum insured. The sum insured can change range from Rs. 5L - 1Cr under this plan4Does not cover OPD expenses under this policy0
Daily Allowance2. Daily allowance
In case of hospitalisation, SCHP provides daily allowance
for a maximum of
7 days. The allowance depends on the
sum insured (SI). The daily
allowance based
on Sum Insured
are Rs. 500 per day (SI - 5 Lakh); Rs. 750 per day (SI-7.5-10 Lakh); Rs. 1,000 per day (SI 15-20 Lakh); Rs. 1,500 per day (SI-25 Lakh); Rs. 2,500 per day (SI -50 lakh-1 crore).
4ABHI does not
provide for daily
allowance
under this
policy.
0
Sum Insured RestorationOnce the claim has been exhausted, SCHP allows for a 100% restoration of sum insured in a policy year4Allows for sum insured
restoration of up
to 150% for a policy year, to
the extent of
Rs. 50 Lakh.
4
No Claim BonusFor each
claim-free year:
For 5 Lakh Sum Insured, Bonus is
50% of SI per
year up to a
For each
claim-free year:
Bonus of 10%
up to a maximum of 50% of Sum
Insured.
maximum of
100%. And for sum insured
between 7.5 lakh to 1 crore, Bonus
is 100% of SI.
4For each claim free year: Bonus of 10% up to a maximum of 50% of Sum Insured3
Hospital NetworkHas a much wider network of hospitals with over 9,000 hospitals affiliated with the company5Is currently associated with more than 6,000 hospitals4
MaternityProvides for maternity coverage in both normal delivery and caesarean delivery and the amount depends on the sum
insured. For a
normal delivery, SCHP provides a
cover of Rs. 15,000 to Rs.
50,000 for sum insured fromRs. 5
lakh to Rs. 1 crore. For
caesarean, the
cover ranges from
Rs. 20,000 to Rs. 1 Lakh based on your SI
3Does not provide for maternity coverage under this policy0
Maternity NewbornProvides coverage for your newborn and their health care to the tune of Rs. 1 Lakh (for SI 5-25L) and Rs. 2 Lakh (for SI 50L-1Cr)3Does not provide for coverage for newborn under this policy0
VaccinationProvides vaccination coverage to the tune of Rs. 5,000 (for SI 5-25L) and Rs. 10,000 (for SI 50L-1Cr)3Does not provide for coverage for vaccination under this policy0
OPD DentalCovers dental expenses for every block of 3 continuous years of policy renewal. The cover depends on your SI and can vary from Rs. 5,000 to Rs. 15,0005Does not provide for coverage for OPD Dental under this policy0
Bariatric Surgery

Covers Bariatric Surgeries and procedures upto Rs. 2,50,000 (for SI of Rs. 5-15L) per policy year.

And it covers upto Rs. 5,00,000 (for SI of Rs. 20L-1Cr) per policy year

3Does not provide for coverage for bariatric procedures under this policy0

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