Insurance Plans Comparison
Aditya Birla Active Care Premier vs Star Comprehensive
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreActive Care Premier
Aditya Birla Activ Care Premiere
What Makes It Special:
Activ Care Premier is a senior citizen-focused health plan from Aditya Birla that upgrades classic senior cover with a Single Private Room, consumables coverage,and home care support, all with a shorter 2-year PED waiting period.
Best For:
Those looking for wellness-linked premium rewards
Buyers who prefer treatment at home through home care and domiciliary options
Those wanting a private room during hospitalisation
People managing chronic conditions like diabetes or hypertension
Senior citizens aged 46 to75 years
VS
Comprehensive
Family health insurance with maternity, OPD, dental and eye cover, 100% restoration and up to 100% cumulative bonus.
What Makes It Special:
An all-in-one family health plan that combines hospitalisation cover with maternity and new-born cover, OPD consultations, dental and eye care, hospital cash, bariatric surgery and accidental death/disability cover in a single policy.
Best For:
People under 61 who want to avoid co-payment
Buyers looking for a fast-growing bonus (100% after one claim-free year for SI ₹7.5L+)
People who want OPD, dental and eye expenses included
Families wanting individual or floater cover up to ₹1 crore
Young couples planning a family (maternity and new-born cover)
Insurance Plans Comparison
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Quick Decision Guide
Check the 20% co-payment and disease-wise sub-limits carefully before purchase
May not suit buyers wanting in-built OPD coverage
Suitable for buyers who value home nursing and domiciliary care options
Useful for people who want consumables coverage in the base plan
Good option if you're a senior wanting private-room comfort with a 2-year PED waiting period
Things to Consider: Premiums vary by city zone.
Things to Consider: Modern treatments and bariatric surgery have sublimits.
Things to Consider: Maternity needs both spouses covered for 24 months, and delivery limits are modest at lower SI.
Things to Consider: 10% co-payment for people who join at age 61 or above.
Things to Consider: 36-month PED waiting period, unless you buy the optional PED buy-back (reduces it to 12 months).
Reasons to Consider: 60 days of pre- and 90 days of post-hospitalisation cover, plus air ambulance and home care.
Reasons to Consider: Cumulative bonus up to 100% of SI, plus 100% restoration once a year (usable for the same illness).
Reasons to Consider: OPD consultations and dental/eye treatment covered outside the Sum Insured.
Reasons to Consider: Delivery (up to 2) and new-born cover after 24 months.
Reasons to Consider: Private single AC room with no fixed room rent cap.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Active Care Premier Health Insurance Plan VS VS |
![]() Comprehensive Health Insurance Plan |
| Room Rent |
|---|
Active Care Premier Single Private Room. ICU charges covered up to the Sum Insured. |
VS VS |
Comprehensive Information Unavailable |
| ICU Charges |
|---|
Active Care Premier Covered up to the Sum Insured. |
VS VS |
Comprehensive Covered up to Sum Insured; no separate ICU cap. |
| Advanced Treatments |
|---|
Active Care Premier Information Unavailable |
VS VS |
Comprehensive Coverage includes robotic surgeries, stem cell therapy, organ transplants, modern cancer treatments, bariatric surgery, and advanced cardiac procedures as per policy terms. |
| Co-payment |
|---|
Active Care Premier 20% co-payment applies on admissible claims. |
VS VS |
Comprehensive This policy is subject to co-payment of 10% of each and every claim amount for fresh as well as renewal policies for insured persons whose age at the time of entry is 61 years and above |
| Disease-wise sublimits |
|---|
Active Care Premier Certain treatments carry sub-limits — including domiciliary hospitalisationcapped at10% of Sum Insured,and organ donor expenses up to50% of Sum Insured. |
VS VS |
Comprehensive Information Unavailable |
| Waiting Period |
|---|
Active Care Premier Information Unavailable |
VS VS |
Comprehensive
|
| Cashless Healthcare Providers |
|---|
Active Care Premier Cashless treatment available at 11,000+ network hospitals across India. |
VS VS |
Comprehensive Access to over 14,000+ cashless healthcare providers for seamless treatment. |
| Restoration Benefit |
|---|
Active Care Premier 100% of the Sum Insured is restored for subsequent hospitalisations due to a different illnessin the same policy year. |
VS VS |
Comprehensive Information Unavailable |
| Cumulative Bonus |
|---|
Active Care Premier Earn 10% of Base Sum Insured per claim-free year, accumulating up to a maximum of 50%. |
VS VS |
Comprehensive SI ₹5L: 50% of Basic SI per claim-free year, max 100%. SI ₹7.5L and above: 100% of Basic SI after one claim-free year, max 100%. |
| Daycare Treatment |
|---|
Active Care Premier 586 daycare procedures covered, even when hospitalisationis less than24 hours. |
VS VS |
Comprehensive covered by the policy. |
| Consumable Cover |
|---|
Active Care Premier Covered in the base plan, including non-medical consumables used during hospitalisation. |
VS VS |
Comprehensive Not mentioned (no separate consumables cover in the policy documents). |
| AYUSH Treatment |
|---|
Active Care Premier Covered for listed AYUSH treatments, subject to policy terms. |
VS VS |
Comprehensive AYUSH treatments are covered up to the sum insured. |
| Initial Waiting Period |
|---|
Active Care Premier 30 days from policy inception for general illnesses. Accidental hospitalisationis covered from day 1. |
VS VS |
Comprehensive 30 days (accidents excepted) |
| Specific Waiting Period |
|---|
Active Care Premier 2 years for listed specific illnesses and procedures. |
VS VS |
Comprehensive 24 months for listed diseases/procedures; 36 months for Bariatric Surgery; 24 months for Delivery and New Born cover |
| PED Waiting Period |
|---|
Active Care Premier 2 years for pre-existing diseases — a shorter-than-usual waiting period, helpful for seniors managing chronic conditions. |
VS VS |
Comprehensive Information Unavailable |
| Modern Treatment |
|---|
Active Care Premier Covered for listed modern treatment methods, subject to the policy's list of covered procedures. |
VS VS |
Comprehensive
|
| Annual Health Checkup |
|---|
Active Care Premier Available as an add-on — the Advanced Health Check-up covers additional tests like mammography, PAP smear, thyroid function test, TMT, chest X-ray,and abdominal sonography on a cashless basis. |
VS VS |
Comprehensive Information Unavailable |
| Pre-Hospitalisation |
|---|
Active Care Premier Pre-hospitalisation medical expenses covered for30 days prior to hospitalisation. |
VS VS |
Comprehensive Information Unavailable |
| Post-Hospitalisation |
|---|
Active Care Premier Post-hospitalisation medical expenses covered for60 days following discharge. |
VS VS |
Comprehensive Information Unavailable |
| Outpatient Department Cover (OPD Expense) |
|---|
Active Care Premier Not covered in the base plan. Tele-OPD e-consultationsare available as an add-on. |
VS VS |
Comprehensive Information Unavailable |
| Deductible Option |
|---|
Active Care Premier Not a core feature of this variant — verify availability from the policy wordings. |
VS VS |
Comprehensive Information Unavailable |
| Coverage Options |
|---|
Active Care Premier Sum Insured options from ₹3 lakh up to ₹10 lakh, designed for senior citizens. |
VS VS |
Comprehensive Information Unavailable |
| Claim Settlement Ratio |
|---|
Active Care Premier Aditya Birla Health Insurance reports a 96% claim settlement ratio(3-year average. |
VS VS |
Comprehensive Information Unavailable |
| Maternity Cover |
|---|
Active Care Premier Not available in this plan. |
VS VS |
Comprehensive Information Unavailable |
Insurance Plans Comparison
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Insurance Plans Comparison
Explore Insurance Category
Senior Citizen Health Plan
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Maternity Health Plan
Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs
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