Insurance Plans Comparison
Star Health Gain vs Aditya Birla Active Care Premier
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read more
Health Gain
Flexible Health Insurance with Hospitalisation and OPD Benefits
What Makes It Special:
Inpatient Hospitalisation and Outpatient Medical Expenses
Best For:
Customers looking for daycare and eligible AYUSH treatment coverage.
Customers who use outpatient services at networked facilities.
Customers seeking flexible Sum Insured options.
Families looking for Individual or Family Floater coverage.
Individuals seeking inpatient and outpatient health insurance benefits.
VS
Active 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
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 treatment-specific sublimits.
Review the pre- and post-hospitalisation benefit periods.
Check the selected OPD benefit limit.
Understand the waiting periods for pre-existing diseases and specified treatments.
Review the co-payment applicable to entry age 61 and above.
Check the room rent limit.
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
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Health Gain Health Insurance Plan VS VS |
Active Care Premier Health Insurance Plan |
| Room Rent |
|---|
Health Gain
|
VS VS |
Active Care Premier Single Private Room. ICU charges covered up to the Sum Insured. |
| ICU Charges |
|---|
Health Gain Covered as part of eligible hospitalisation expenses. |
VS VS |
Active Care Premier Covered up to the Sum Insured. |
| Disease-wise sublimits |
|---|
Health Gain Sublimits apply to specified treatments, including cataract and listed modern treatments. |
VS VS |
Active Care Premier Certain treatments carry sub-limits — including domiciliary hospitalisationcapped at10% of Sum Insured,and organ donor expenses up to50% of Sum Insured. |
| Co-payment |
|---|
Health Gain 20% for insured persons whose age at entry is 61 years and above. |
VS VS |
Active Care Premier 20% co-payment applies on admissible claims. |
| Restoration Benefit |
|---|
Health Gain Not specified. |
VS VS |
Active Care Premier 100% of the Sum Insured is restored for subsequent hospitalisations due to a different illnessin the same policy year. |
| Cashless Healthcare Providers |
|---|
Health Gain Cashless treatment is available at eligible network hospitals, subject to pre-authorisation. |
VS VS |
Active Care Premier Cashless treatment available at 11,000+ network hospitals across India. |
| Daycare Treatment |
|---|
Health Gain Eligible daycare procedures are covered, subject to policy terms. |
VS VS |
Active Care Premier 586 daycare procedures covered, even when hospitalisationis less than24 hours. |
| Cumulative Bonus |
|---|
Health Gain Not specified. |
VS VS |
Active Care Premier Earn 10% of Base Sum Insured per claim-free year, accumulating up to a maximum of 50%. |
| AYUSH Treatment |
|---|
Health Gain Eligible inpatient Ayurveda, Unani, Siddha and Homeopathy treatment is covered, subject to policy terms. |
VS VS |
Active Care Premier Covered for listed AYUSH treatments, subject to policy terms. |
| Consumable Cover |
|---|
Health Gain Not specified. |
VS VS |
Active Care Premier Covered in the base plan, including non-medical consumables used during hospitalisation. |
| Initial Waiting Period |
|---|
Health Gain 30 days, except for covered accident-related claims. |
VS VS |
Active Care Premier 30 days from policy inception for general illnesses. Accidental hospitalisationis covered from day 1. |
| Specific Waiting Period |
|---|
Health Gain 24 months for specified diseases and procedures. |
VS VS |
Active Care Premier 2 years for listed specific illnesses and procedures. |
| PED Waiting Period |
|---|
Health Gain 36 months for pre-existing diseases. |
VS VS |
Active Care Premier 2 years for pre-existing diseases — a shorter-than-usual waiting period, helpful for seniors managing chronic conditions. |
| Modern Treatment |
|---|
Health Gain Specified modern treatments are covered, subject to policy limits. |
VS VS |
Active Care Premier Covered for listed modern treatment methods, subject to the policy's list of covered procedures. |
| Annual Health Checkup |
|---|
Health Gain Not specified. |
VS VS |
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. |
| Pre-Hospitalisation |
|---|
Health Gain Covered for up to 30 days before hospital admission. |
VS VS |
Active Care Premier Pre-hospitalisation medical expenses covered for30 days prior to hospitalisation. |
| Post-Hospitalisation |
|---|
Health Gain Covered for up to 60 days after discharge. |
VS VS |
Active Care Premier Post-hospitalisation medical expenses covered for60 days following discharge. |
| Outpatient Department Cover (OPD Expense) |
|---|
Health Gain Available at networked facilities in India, up to the selected benefit limit. |
VS VS |
Active Care Premier Not covered in the base plan. Tele-OPD e-consultationsare available as an add-on. |
| Deductible Option |
|---|
Health Gain Not specified. |
VS VS |
Active Care Premier Not a core feature of this variant — verify availability from the policy wordings. |
| Coverage Options |
|---|
Health Gain Individual and Family Floater. |
VS VS |
Active Care Premier Sum Insured options from ₹3 lakh up to ₹10 lakh, designed for senior citizens. |
| Claim Settlement Ratio |
|---|
Health Gain Insurer-level metric, not a policy benefit. |
VS VS |
Active Care Premier Aditya Birla Health Insurance reports a 96% claim settlement ratio(3-year average. |
| Maternity Cover |
|---|
Health Gain Maternity expenses are excluded, except for the specified ectopic pregnancy exception. |
VS VS |
Active Care Premier Not available in this plan. |
Insurance Plans Comparison
Still Confused? Get Expert Advice
Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.
Why Choose Our Expert Consultation?
End-to-End Support
From choosing the right policy to managing claims, every step is handled for you
Zero Spam. Zero Hassle
Pure advice, no unwanted calls, no unnecessary push
Free Expert Consultation
Talk to experienced advisors at no cost, and make confident decisions
24/7 Claim Assistance
Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support
What Our Experts Help You With
Personalised Recommendations
Every suggestion is backed by expert analysis of your life stage, goals, and budget
Expert-Led Policy Review
We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later
Smart, Tech-Enabled Experience
From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free
Insurance Plans Comparison
Explore Insurance Category
Senior Citizen Health Plan
Secure against age-related medical costs
Tailored for seniors healthcare needs
Most Popular
Family Health Plan
One policy covers the entire family
High sum insured with cashless care
Multiple coverage options based on your family needs
Maternity Health Plan
Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs
Senior Citizen Health Plan
Secure against age-related medical costs
Tailored for seniors healthcare needs
Most Popular
Family Health Plan
One policy covers the entire family
High sum insured with cashless care
Multiple coverage options based on your family needs
Maternity Health Plan
Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs
Insurance Plans Comparison
Frequently Asked Questions (FAQs)
Having questions? We've got answers. Explore our FAQs to find the information you need.
Explore Our Most Popular Plans
Compare With Other Health Insurance Plans
Health Gain vs Optima Secure
Health Gain vs Super Mediclaim
Health Gain vs Health Recharge
Health Gain vs Cancer Cover Activ Cancer Secure Plan
Health Gain vs Optima Secure Plus
Health Gain vs Women Care
Health Gain vs Aspire Diamond+
Health Gain vs Activate Booster Plan A
Health Gain vs Active Care Premier
Health Gain vs ProHealth Accumulate
Health Gain vs Health Super Saver Standard
Health Gain vs Supreme Shine
Health Gain vs Optima Secure Global Plus
Health Gain vs Health Cardiac Care Silver & Gold Plan
Health Gain vs myHealth Suraksha Gold
Health Gain vs LifeTime Health Global
Health Gain vs Active Fit Plus
Health Gain vs OneHealth Premium
Health Gain vs Activ Health Platinum Essential
Health Gain vs Medicare Plus
Health Gain vs Medicare Senior
Health Gain vs Enhance Super Top-up Two
Health Gain vs Medicare Protect
Health Gain vs Activ One SAVR
Health Gain vs Active Assure Diamond
Health Gain vs Activ One VIP
Health Gain vs Health Pulse Classic
Health Gain vs Advantage
Health Gain vs Special Care Gold
Health Gain vs Activ One Max
Health Gain vs Classic
Health Gain vs Activ One Vytl
Health Gain vs Supreme
Health Gain vs Freedom
Health Gain vs Sarvah Pratham
Health Gain vs Joy Today
Health Gain vs Medi Classic
Health Gain vs Activate Booster Plan B
Health Gain vs Aspire Gold+
Health Gain vs Aspire Platinum+
Health Gain vs Plus Complete
Health Gain vs Reassure 2.0 Platinum+
Health Gain vs Elder Care
Health Gain vs Reassure 3.0 Elite
Health Gain vs EquiCover
Health Gain vs Young Star Gold
Health Gain vs Enhance Super Top-up One
Health Gain vs Joy Tomorrow
Health Gain vs Activ One VIP+
Health Gain vs Reassure 3.0 Select
Health Gain vs Red Carpet Senior Citizens
Health Gain vs Medicare Premier
Health Gain vs Family Health Optima
Health Gain vs Health Companion Variant 2022
Health Gain vs Health Companion Variant 3
Health Gain vs Plus Youth
Health Gain vs Assure
Health Gain vs Health Premia Gold
Health Gain vs Health Premia Platinum
Health Gain vs Cancer Care Platinum
Health Gain vs Optima Lite
Health Gain vs ProHealth Prime Protect
Health Gain vs Comprehensive
Health Gain vs HeartBeat Enhanced
Health Gain vs Reassure
Health Gain vs Supreme Senior Premium
Health Gain vs Health Recharge Super Top Up Plan
Health Gain vs Reassure 3.0
Health Gain vs myHealth Suraksha Platinum
Health Gain vs Supreme Value for Money
Health Gain vs Supreme Senior Super
Health Gain vs Supreme Enhance
Health Gain vs Reassure 2.0 Gold
Health Gain vs Medicare
Health Gain vs Ultimate (Direct)
Health Gain vs Young Star
Health Gain vs Sarvah Param
Health Gain vs Optima Insurance
Health Gain vs Smart Super Health Assure
Health Gain vs Reassure 3.0 Black
Health Gain vs Health Guard Platinum
Health Gain vs Health Guard Gold
Health Gain vs Elevate (Direct)
Health Gain vs Extra Care Plus Super Top-up
Health Gain vs Health Care Supreme Smart
Health Gain vs Smart Health Pro
Health Gain vs Medi Classic Gold
Health Gain vs Optima Super Secure
Health Gain vs Special Care
Health Gain vs Medicare LITE
Health Gain vs Health Shield 360
Health Gain vs SecureHealth
Health Gain vs Supreme (Direct)
Health Gain vs Plus
Health Gain vs Mediclaim Insurance Policy
Health Gain vs Medicare Select
Health Gain vs myHealth Koti Suraksha
Health Gain vs Senior
Health Gain vs myHealth Suraksha Silver
Health Gain vs Cardiac Care Platinum
Health Gain vs Royal Sundaram Lifeline Elite
Health Gain vs Super Surplus Gold
Health Gain vs Supreme Enhance One
Health Gain vs Supreme Enhance Two
Health Gain vs HeartBeat Platinum
Health Gain vs HeartBeat Gold
Health Gain vs Health SuperCharge
Health Gain vs Aspire Titanium+
Health Gain vs iHealth Plus
Health Gain vs ProHealth Prime Advantage
Health Gain vs Active Fit Preferred
Health Gain vs Reassure 3.0 Classic
Health Gain vs Senior Health Advantage
Health Gain vs Health Wallet
Health Gain vs Elevate
Health Gain vs Heart
Health Gain vs LifeTime Health
Health Gain vs Reassure 2.0 Titanium+
Health Gain vs ProHealth Prime Active
Health Gain vs ProHealth Prime Senior Elite
Health Gain vs Advanced Top Up
Health Gain vs Multiplier Health
Health Gain vs Diabetes Safe Plan A
Health Gain vs Reassure 2.0 Bronze+
Health Gain vs Enhance Super Top-up
Health Gain vs Young Star Silver
Health Gain vs Star Women Care Policy
Health Gain vs Joy
Health Gain vs Supreme Senior Health AdvantEdge
Health Gain vs Family Plus
Health Gain vs Criti Shield Plus
Health Gain vs Health Care Supreme Ultimo
Health Gain vs Health Shield 360 Retail
Health Gain vs Super Star
Health Gain vs Supreme Super Saver
Health Gain vs Senior First Platinum
Health Gain vs Optima Secure Global
Health Gain vs NextGen
Health Gain vs Health Insurance Platinum
Health Gain vs Energy Silver With Copay
Active Care Premier vs Optima Secure
Active Care Premier vs Super Mediclaim
Active Care Premier vs Health Recharge
Active Care Premier vs Cancer Cover Activ Cancer Secure Plan
Active Care Premier vs Optima Secure Plus
Active Care Premier vs Women Care
Active Care Premier vs Aspire Diamond+
Active Care Premier vs Activate Booster Plan A
Active Care Premier vs ProHealth Accumulate
Active Care Premier vs Health Super Saver Standard
Active Care Premier vs Supreme Shine
Active Care Premier vs Optima Secure Global Plus
Active Care Premier vs Health Cardiac Care Silver & Gold Plan
Active Care Premier vs myHealth Suraksha Gold
Active Care Premier vs LifeTime Health Global
Active Care Premier vs Active Fit Plus
Active Care Premier vs OneHealth Premium
Active Care Premier vs Activ Health Platinum Essential
Active Care Premier vs Medicare Plus
Active Care Premier vs Medicare Senior
Active Care Premier vs Enhance Super Top-up Two
Active Care Premier vs Medicare Protect
Active Care Premier vs Activ One SAVR
Active Care Premier vs Active Assure Diamond
Active Care Premier vs Activ One VIP
Active Care Premier vs Health Pulse Classic
Active Care Premier vs Advantage
Active Care Premier vs Special Care Gold
Active Care Premier vs Activ One Max
Active Care Premier vs Classic
Active Care Premier vs Activ One Vytl
Active Care Premier vs Supreme
Active Care Premier vs Freedom
Active Care Premier vs Sarvah Pratham
Active Care Premier vs Joy Today
Active Care Premier vs Medi Classic
Active Care Premier vs Activate Booster Plan B
Active Care Premier vs Aspire Gold+
Active Care Premier vs Aspire Platinum+
Active Care Premier vs Plus Complete
Active Care Premier vs Reassure 2.0 Platinum+
Active Care Premier vs Elder Care
Active Care Premier vs Reassure 3.0 Elite
Active Care Premier vs EquiCover
Active Care Premier vs Young Star Gold
Active Care Premier vs Enhance Super Top-up One
Active Care Premier vs Joy Tomorrow
Active Care Premier vs Activ One VIP+
Active Care Premier vs Reassure 3.0 Select
Active Care Premier vs Red Carpet Senior Citizens
Active Care Premier vs Medicare Premier
Active Care Premier vs Family Health Optima
Active Care Premier vs Health Companion Variant 2022
Active Care Premier vs Health Companion Variant 3
Active Care Premier vs Plus Youth
Active Care Premier vs Assure
Active Care Premier vs Health Premia Gold
Active Care Premier vs Health Premia Platinum
Active Care Premier vs Cancer Care Platinum
Active Care Premier vs Optima Lite
Active Care Premier vs ProHealth Prime Protect
Active Care Premier vs Comprehensive
Active Care Premier vs HeartBeat Enhanced
Active Care Premier vs Reassure
Active Care Premier vs Supreme Senior Premium
Active Care Premier vs Health Recharge Super Top Up Plan
Active Care Premier vs Reassure 3.0
Active Care Premier vs myHealth Suraksha Platinum
Active Care Premier vs Supreme Value for Money
Active Care Premier vs Supreme Senior Super
Active Care Premier vs Supreme Enhance
Active Care Premier vs Reassure 2.0 Gold
Active Care Premier vs Medicare
Active Care Premier vs Ultimate (Direct)
Active Care Premier vs Young Star
Active Care Premier vs Sarvah Param
Active Care Premier vs Optima Insurance
Active Care Premier vs Smart Super Health Assure
Active Care Premier vs Reassure 3.0 Black
Active Care Premier vs Health Guard Platinum
Active Care Premier vs Health Guard Gold
Active Care Premier vs Elevate (Direct)
Active Care Premier vs Extra Care Plus Super Top-up
Active Care Premier vs Health Care Supreme Smart
Active Care Premier vs Smart Health Pro
Active Care Premier vs Medi Classic Gold
Active Care Premier vs Optima Super Secure
Active Care Premier vs Special Care
Active Care Premier vs Medicare LITE
Active Care Premier vs Health Shield 360
Active Care Premier vs SecureHealth
Active Care Premier vs Supreme (Direct)
Active Care Premier vs Plus
Active Care Premier vs Mediclaim Insurance Policy
Active Care Premier vs Medicare Select
Active Care Premier vs Health Gain
Active Care Premier vs myHealth Koti Suraksha
Active Care Premier vs Senior
Active Care Premier vs myHealth Suraksha Silver
Active Care Premier vs Cardiac Care Platinum
Active Care Premier vs Royal Sundaram Lifeline Elite
Active Care Premier vs Super Surplus Gold
Active Care Premier vs Supreme Enhance One
Active Care Premier vs Supreme Enhance Two
Active Care Premier vs HeartBeat Platinum
Active Care Premier vs HeartBeat Gold
Active Care Premier vs Health SuperCharge
Active Care Premier vs Aspire Titanium+
Active Care Premier vs iHealth Plus
Active Care Premier vs ProHealth Prime Advantage
Active Care Premier vs Active Fit Preferred
Active Care Premier vs Reassure 3.0 Classic
Active Care Premier vs Senior Health Advantage
Active Care Premier vs Health Wallet
Active Care Premier vs Elevate
Active Care Premier vs Heart
Active Care Premier vs LifeTime Health
Active Care Premier vs Reassure 2.0 Titanium+
Active Care Premier vs ProHealth Prime Active
Active Care Premier vs ProHealth Prime Senior Elite
Active Care Premier vs Advanced Top Up
Active Care Premier vs Multiplier Health
Active Care Premier vs Diabetes Safe Plan A
Active Care Premier vs Reassure 2.0 Bronze+
Active Care Premier vs Enhance Super Top-up
Active Care Premier vs Young Star Silver
Active Care Premier vs Star Women Care Policy
Active Care Premier vs Joy
Active Care Premier vs Supreme Senior Health AdvantEdge
Active Care Premier vs Family Plus
Active Care Premier vs Criti Shield Plus
Active Care Premier vs Health Care Supreme Ultimo
Active Care Premier vs Health Shield 360 Retail
Active Care Premier vs Super Star
Active Care Premier vs Supreme Super Saver
Active Care Premier vs Senior First Platinum
Active Care Premier vs Optima Secure Global
Active Care Premier vs NextGen
Active Care Premier vs Health Insurance Platinum
Active Care Premier vs Energy Silver With Copay
Related Blogs
Making Health Insurance Affordable: Is EMI Really the Best Way?
February 4, 2026 | OneAssure Team
Read MoreInsurance in 2026: Great for Your Wallet, But What’s Still Missing?
February 1, 2026 | OneAssure Team
Read MoreHow India’s Budget 2026 Could Shape the Future of Insurance - A Young Earner’s Guide.
February 1, 2026 | OneAssure Team
Read More.png)
Pre-Existing Disease in Health Insurance: All You Need to Know Before Buying
November 17, 2025 | Mahak Chauhan
Read More
ICICI Elevate vs Care Supreme: Which Health Plan Offers Better Coverage in 2025?
September 25, 2025 | OneAssure Team
Read More
Chat with PolicyPal
Get a free policy review
No pressure. No product push. Just honest advice.