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Insurance Plans Comparison

Aditya Birla Active Care Premier vs Star Medi Classic

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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Aditya Birla

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

VS
Star

Medi Classic

Star Medi Classic is an individual health insurance with essential hospitalisation benefits, preventive health check-ups and additional optional benefits.

What Makes It Special:

Medi Classic Insurance Policy is an individual health insurance plan that provides coverage for hospitalisation and selected medical treatments. It offers Sum Insured options from ₹5 Lakh to ₹15 Lakh, along with pre and post-hospitalisation coverage, preventive health check-ups and cumulative bonus. Optional Patient Care and Hospital Cash benefits are...

Best For:

  • Customers interested in optional Patient Care or Hospital Cash benefits.

  • Individuals looking for preventive health check-up benefits.

  • Customers who want pre and post-hospitalisation coverage.

  • People seeking Sum Insured options between ₹5 Lakh and ₹15 Lakh.

  • Individuals looking for individual health insurance coverage.

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

Aditya Birla Active Care Premier

  • 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

Star Medi Classic

  • Review the applicable limits carefully, especially for room rent, modern treatments and other treatments with specific limits.

  • Consider the optional Patient Care and Hospital Cash benefits if they match your requirements.

  • The plan may suit customers who value pre-hospitalisation and post-hospitalisation coverage.

  • Consider it if a Sum Insured of ₹5 Lakh to ₹15 Lakh meets your coverage requirement.

  • Choose this plan if you need individual health insurance rather than a family floater.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Active Care Premier
Active Care Premier

Health Insurance Plan

Brochure

Policy Wording

VS
Medi Classic
Medi Classic

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Active Care Premier

Single Private Room. ICU charges covered up to the Sum Insured.

VS

Medi Classic

2% of Sum Insured per day, subject to a maximum of ₹5,000 per day.



ICU Charges

Active Care Premier

Covered up to the Sum Insured.

VS

Medi Classic

Covered as per the applicable policy terms and limits.

Co-payment

Active Care Premier

20% co-payment applies on admissible claims.

VS

Medi Classic

Not specified in the retrieved source.



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

Medi Classic

Modern treatments and cataract treatment are subject to applicable limits.



Cashless Healthcare Providers

Active Care Premier

Cashless treatment available at 11,000+ network hospitals across India.

VS

Medi Classic

Not specified in the retrieved source.



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

Medi Classic

Not specified in the retrieved source.

Cumulative Bonus

Active Care Premier

Earn 10% of Base Sum Insured per claim-free year, accumulating up to a maximum of 50%.

VS

Medi Classic

5% of the Sum Insured for every claim-free year, subject to a maximum of 25% of the Sum Insured.



Daycare Treatment

Active Care Premier

586 daycare procedures covered, even when hospitalisationis less than24 hours.

VS

Medi Classic

Not specified in the retrieved source.



Consumable Cover

Active Care Premier

Covered in the base plan, including non-medical consumables used during hospitalisation.

VS

Medi Classic

Not specified in the retrieved source.



AYUSH Treatment

Active Care Premier

Covered for listed AYUSH treatments, subject to policy terms.

VS

Medi Classic

Not specified in the retrieved source.



Initial Waiting Period

Active Care Premier

30 days from policy inception for general illnesses. Accidental hospitalisationis covered from day 1.

VS

Medi Classic

Not specified in the retrieved source.



Specific Waiting Period

Active Care Premier

2 years for listed specific illnesses and procedures.

VS

Medi Classic

Not specified in the retrieved source.



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

Medi Classic





Modern Treatment

Active Care Premier

Covered for listed modern treatment methods, subject to the policy's list of covered procedures.

VS

Medi Classic

Covered, subject to applicable limits and policy terms.



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

Medi Classic

Preventive health check-up is covered as per policy terms.



Pre-Hospitalisation

Active Care Premier

Pre-hospitalisation medical expenses covered for30 days prior to hospitalisation.

VS

Medi Classic

Covered for 30 days.



Post-Hospitalisation

Active Care Premier

Post-hospitalisation medical expenses covered for60 days following discharge.

VS

Medi Classic

Covered for 60 days, subject to the applicable limits and conditions.



Outpatient Department Cover (OPD Expense)

Active Care Premier

Not covered in the base plan. Tele-OPD e-consultationsare available as an add-on.

VS

Medi Classic

Not specified as a standard base benefit in the retrieved source. Optional Patient Care and Hospital Cash benefits are available subject to conditions.



Deductible Option

Active Care Premier

Not a core feature of this variant — verify availability from the policy wordings.

VS

Medi Classic

Not specified in the retrieved source.



Coverage Options

Active Care Premier

Sum Insured options from ₹3 lakh up to ₹10 lakh, designed for senior citizens.

VS

Medi Classic

Sum Insured options of ₹5 Lakh, ₹7.5 Lakh, ₹10 Lakh and ₹15 Lakh.



Claim Settlement Ratio

Active Care Premier

Aditya Birla Health Insurance reports a 96% claim settlement ratio(3-year average.

VS

Medi Classic

Not specified in the retrieved source.



Maternity Cover

Active Care Premier

Not available in this plan.

VS

Medi Classic

Not specified in the retrieved source.



Insurance Plans Comparison

Still Confused? Get Expert Advice

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Why Choose Our Expert Consultation?

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Talk to experienced advisors at no cost, and make confident decisions

24/7 Claim Assistance

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

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

Family Health Plan

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

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.

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