Insurance Plans Comparison
Star Special Care Gold vs Aditya Birla Active Assure Diamond
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreSpecial Care Gold
Special Care Gold
What Makes It Special:
Special Care Gold is designed for persons with disabilities and individuals with HIV/AIDS. The product provides individual indemnity and benefit coverage, with defined eligibility requirements, hospitalisation cover, daycare treatment, AYUSH treatment, modern treatment coverage and a 20% co-payment that can be waived through an optional benefit.
Best For:
Customers who need defined coverage with optional co-payment waiver
Customers looking for AYUSH hospitalisation coverage
Families seeking specialised health insurance for eligible members
Eligible individuals living with HIV/AIDS
Eligible persons with disabilities
VS
Active Assure Diamond
Aditya Birla Activ Assure Diamond
What Makes It Special:
Activ Assure Diamond is a budget-friendly, new-age health plan from Aditya Birla that combines no-room-rent-capping coverage, modern treatment cover, wellness rewards, and a reload benefit of up to 150% of Sum Insured in one affordable package.
Best For:
Those wanting accidental and cancer hospitalisation boosters
Customers looking for modern treatment coverage like robotic surgeries and oral chemotherapy
People wanting wellness-linked premium rewards(HealthReturns™)
Buyers who want no capping on room rent for higher Sum Insured options
Families and individuals looking for affordable, comprehensive coverage
Insurance Plans Comparison
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Quick Decision Guide
No pre-policy medical test is required, subject to submission requirements.
A co-payment waiver is available for additional premium.
AYUSH inpatient treatment is covered up to 100% of Sum Insured.
Sum Insured options of ₹4 Lakh and ₹5 Lakh are available.
The product is specifically structured for disability and HIV/AIDS-related eligibility.
Check the waiting periods and daycare treatment caps carefully before purchase
May not suit buyers looking for in-built OPD or maternity coverage
Suitable for buyers who want extra cover for accidental or cancer hospitalisation through boosters
Useful for people who want to earn up to 30% of premium back through HealthReturns™ wellness rewards
Good option if you want a budget-friendly plan with no room rent capping on higher Sum Insured options
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Special Care Gold Health Insurance Plan VS VS |
Active Assure Diamond Health Insurance Plan |
| Room Rent |
|---|
Special Care Gold Up to 1% of Sum Insured per day |
VS VS |
Active Assure Diamond Normal: Varies by variant — General Room / Twin Sharing / All rooms except Deluxe & Suite / Any room covered ICU: Covered up to Sum Insured |
| ICU Charges |
|---|
Special Care Gold Up to 2% of Sum Insured per day |
VS VS |
Active Assure Diamond Covered up to the Sum Insured. No separate capping applies on ICU charges when room rent is unrestricted. |
| Disease-wise sublimits |
|---|
Special Care Gold Specified treatment limits apply |
VS VS |
Active Assure Diamond Certain treatments carry sub-limits — for example, domiciliary hospitalisation is capped at 10% of Sum Insured. |
| Co-payment |
|---|
Special Care Gold 20% on all claims; waiver available for additional premium |
VS VS |
Active Assure Diamond Not a core feature of this variant — verify availability from policy wordings. |
| Restoration Benefit |
|---|
Special Care Gold Not specified |
VS VS |
Active Assure Diamond Reload of Sum Insured up to 150%, max up to ₹50 lakh, when the Sum Insured gets exhausted. |
| Cashless Healthcare Providers |
|---|
Special Care Gold Cashless treatment available at network hospitals |
VS VS |
Active Assure Diamond Cashless treatment available at 10,051+ network hospitals across India. |
| Cumulative Bonus |
|---|
Special Care Gold Not specified |
VS VS |
Active Assure Diamond Earn 10% of Sum Insured per claim-free year, accumulating up to 50% of Sum Insured. The Super No Claim Bonus add-on doubles your Sum Insured after 2 consecutive claim-free years (not available above ₹1 Cr SI). Accumulated bonus reduces if a claim is made; Super NCB requires continuous renewal without break. |
| Daycare Treatment |
|---|
Special Care Gold All daycare procedures covered |
VS VS |
Active Assure Diamond 586 daycare procedures covered, even when hospitalisation is less than 24 hours. |
| Consumable Cover |
|---|
Special Care Gold Not specified |
VS VS |
Active Assure Diamond Non-medical consumables such as gloves, oxygen masks, and similar items used during hospitalisation are covered. Covered within the Sum Insured, subject to policy terms. |
| AYUSH Treatment |
|---|
Special Care Gold Covered up to 100% of Sum Insured |
VS VS |
Active Assure Diamond Covered — in-patient hospitalisation at AYUSH hospitals is covered subject to policy terms. |
| Initial Waiting Period |
|---|
Special Care Gold 30 Days for indemnity basis; 90 Days for HIV/AIDS benefit basis |
VS VS |
Active Assure Diamond 30 days from policy inception for general illnesses(verify from policy wordings). Accidental hospitalisation is covered from day 1. |
| Specific Waiting Period |
|---|
Special Care Gold 24 Months |
VS VS |
Active Assure Diamond 2 years for listed specific diseases/procedures(verify from policy wordings. Coverage begins only after the waiting period is served with continuous renewal. |
| PED Waiting Period |
|---|
Special Care Gold 36 Months for PEDs other than specified disability and HIV/AIDS; 24 Months for pre-existing disability |
VS VS |
Active Assure Diamond 2 years for pre-existing diseases(per Policybazaar; verify from policy wordings — some sources indicate 3 years, so confirm before purchase. PED coverage begins after the waiting period, subject to continuous renewal. |
| Modern Treatment |
|---|
Special Care Gold Covered up to 50% of Sum Insured for listed modern treatments |
VS VS |
Active Assure Diamond Covered for listed modern treatment methods, including Robotic Surgeries, Oral Chemotherapy, Balloon Sinuplasty, and other new-age treatments, with no separate financial limit on modern treatment coverage. Coverage is subject to the treatment being listed in the policy and medically necessary. |
| Annual Health Checkup |
|---|
Special Care Gold Not specified |
VS VS |
Active Assure Diamond Cashless annual health check-up available from day 1 through the insurer's app/network. Check-up must be availed through the designated channel and is subject to network availability. |
| Pre-Hospitalisation |
|---|
Special Care Gold Up to 30 Days |
VS VS |
Active Assure Diamond Pre-hospitalisation medical expenses covered up to the Sum Insured for 30 days prior to hospitalisation. |
| Post-Hospitalisation |
|---|
Special Care Gold Up to 60 Days |
VS VS |
Active Assure Diamond Post-hospitalisation medical expenses covered up to the Sum Insured for 60 days following discharge. |
| Outpatient Department Cover (OPD Expense) |
|---|
Special Care Gold Not a standard OPD benefit |
VS VS |
Active Assure Diamond Not available as in-built OPD cover in this variant. |
| Deductible Option |
|---|
Special Care Gold Not specified |
VS VS |
Active Assure Diamond Not a core feature of this variant — verify availability from policy wordings. |
| Coverage Options |
|---|
Special Care Gold ₹4 Lakh and ₹5 Lakh, individual basis |
VS VS |
Active Assure Diamond Sum Insured options from ₹2 lakh up to ₹2 crore, with flexible choices based on budget and family needs. |
| Claim Settlement Ratio |
|---|
Special Care Gold Not specified |
VS VS |
Active Assure Diamond Aditya Birla Health Insurance maintains a strong claim settlement track record; the exact ratio for this variant should be verified from the latest IRDAI annual report. |
| Maternity Cover |
|---|
Special Care Gold Not specified as a standard maternity benefit |
VS VS |
Active Assure Diamond Not available as an in-built benefit in this variant. |
Insurance Plans Comparison
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