Insurance Plans Comparison
Aditya Birla Active Care Premier vs Star Family Health Optima
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
Family Health Optima
Family Floater Health Insurance with Hospitalisation Benefits
What Makes It Special:
Family Health Insurance
Best For:
Customers comparing restoration and loyalty bonus benefits.
Families wanting eligible AYUSH treatment and preventive health check-ups.
Customers seeking pre- and post-hospitalisation benefits.
Families looking for hospitalisation and daycare coverage.
Families seeking health insurance under a single floater Sum Insured.
Insurance Plans Comparison
Get Personalized Advice
Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.
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
Check the policy limits for specific treatments and benefits.
Review pre- and post-hospitalisation coverage.
Check the restoration and loyalty bonus conditions.
Understand the 24-month specific disease waiting period and 36-month pre-existing disease waiting period.
Review the 30-day initial waiting period.
Check the shared accommodation benefit and applicable limits.
Review the 20% co-payment applicable to insured persons aged 61 and above at entry.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Active Care Premier Health Insurance Plan VS VS |
![]() Family Health Optima Health Insurance Plan |
| Room Rent |
|---|
Active Care Premier Single Private Room. ICU charges covered up to the Sum Insured. |
VS VS |
Family Health Optima
|
| ICU Charges |
|---|
Active Care Premier Covered up to the Sum Insured. |
VS VS |
Family Health Optima Covered as part of eligible hospitalisation expenses, subject to policy terms. |
| Co-payment |
|---|
Active Care Premier 20% co-payment applies on admissible claims. |
VS VS |
Family Health Optima 20% of each claim for insured persons whose age at entry is 61 years or 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 |
Family Health Optima Sublimits apply to specified benefits and treatments, subject to policy terms. |
| Cashless Healthcare Providers |
|---|
Active Care Premier Cashless treatment available at 11,000+ network hospitals across India. |
VS VS |
Family Health Optima Cashless treatment is available at eligible network hospitals, subject to authorisation and policy conditions. |
| 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 |
Family Health Optima 100% of the Sum Insured is restored up to three times in a policy year, subject to policy conditions. |
| Cumulative Bonus |
|---|
Active Care Premier Earn 10% of Base Sum Insured per claim-free year, accumulating up to a maximum of 50%. |
VS VS |
Family Health Optima Loyalty Bonus is available for eligible Sum Insured options, subject to renewal conditions and policy limits. |
| Daycare Treatment |
|---|
Active Care Premier 586 daycare procedures covered, even when hospitalisationis less than24 hours. |
VS VS |
Family Health Optima Eligible daycare procedures are covered, subject to policy terms. |
| Consumable Cover |
|---|
Active Care Premier Covered in the base plan, including non-medical consumables used during hospitalisation. |
VS VS |
Family Health Optima Not specified. |
| AYUSH Treatment |
|---|
Active Care Premier Covered for listed AYUSH treatments, subject to policy terms. |
VS VS |
Family Health Optima Eligible inpatient Ayurveda, Unani, Siddha and Homeopathy treatment is covered up to the Sum Insured, subject to policy terms. |
| Initial Waiting Period |
|---|
Active Care Premier 30 days from policy inception for general illnesses. Accidental hospitalisationis covered from day 1. |
VS VS |
Family Health Optima
|
| Specific Waiting Period |
|---|
Active Care Premier 2 years for listed specific illnesses and procedures. |
VS VS |
Family Health Optima 24 months for specified diseases and procedures. |
| 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 |
Family Health Optima 36 months for pre-existing diseases. |
| Modern Treatment |
|---|
Active Care Premier Covered for listed modern treatment methods, subject to the policy's list of covered procedures. |
VS VS |
Family Health Optima
|
| 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 |
Family Health Optima Preventive health check-up at network providers, according to the applicable Sum Insured and package. |
| Pre-Hospitalisation |
|---|
Active Care Premier Pre-hospitalisation medical expenses covered for30 days prior to hospitalisation. |
VS VS |
Family Health Optima Covered for up to 60 days before hospital admission. |
| Post-Hospitalisation |
|---|
Active Care Premier Post-hospitalisation medical expenses covered for60 days following discharge. |
VS VS |
Family Health Optima Covered for up to 90 days after discharge. |
| 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 |
Family Health Optima Not specified. |
| Deductible Option |
|---|
Active Care Premier Not a core feature of this variant — verify availability from the policy wordings. |
VS VS |
Family Health Optima Not specified. |
| Coverage Options |
|---|
Active Care Premier Sum Insured options from ₹3 lakh up to ₹10 lakh, designed for senior citizens. |
VS VS |
Family Health Optima Family Floater. |
| Claim Settlement Ratio |
|---|
Active Care Premier Aditya Birla Health Insurance reports a 96% claim settlement ratio(3-year average. |
VS VS |
Family Health Optima Insurer-level metric, not a policy benefit. |
| Maternity Cover |
|---|
Active Care Premier Not available in this plan. |
VS VS |
Family Health Optima Not specified. |
Insurance Plans Comparison
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Insurance Plans Comparison
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