Insurance Plans Comparison
Star Women Care vs Aditya Birla Active Care Premier
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreWhat Makes It Special:
Star Women Care is a specialized health plan designed for women and their families. It offers coverage from ₹5 lakh to ₹1 crore with benefits like maternity, newborn care, preventive check-ups, OPD consultations, and wellness rewards. The plan also includes coverage for surrogacy, oocyte donation, modern treatments, AYUSH, and organ...
Best For:
Wellness-linked, preventive care insurance
Automatic sum insured restoration
Premium maternity and newborn care
Comprehensive women’s family health protection
(4-5 word description of the type of plan)
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
You prefer no medical check-up before purchase
You enjoy earning wellness points and premium discounts
You need surrogacy and oocyte donor coverage
You want automatic sum insured restoration after a claim
You value OPD consultations and yearly health check-ups
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
 Women Care Health Insurance Plan VS VS |
Active Care Premier Health Insurance Plan |
| Room Rent |
|---|
Women Care Up to 1% of SI (₹5L); Single AC up to ₹25L; any room above ₹50L |
VS VS |
Active Care Premier Single Private Room. ICU charges covered up to the Sum Insured. |
| ICU Charges |
|---|
Women Care No restriction on ICU room rent |
VS VS |
Active Care Premier Covered up to the Sum Insured. |
| Disease-wise sublimits |
|---|
Women Care No |
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 |
|---|
Women Care Yes (subject to co-payment of 10% for insured person whose age at the time of entry is 61 years and above) |
VS VS |
Active Care Premier 20% co-payment applies on admissible claims. |
| Cashless Healthcare Providers |
|---|
Women Care 13000+ Healthcare Providers |
VS VS |
Active Care Premier Cashless treatment available at 11,000+ network hospitals across India. |
| Restoration Benefit |
|---|
Women Care 100% once after full/partial utilization in a year |
VS VS |
Active Care Premier 100% of the Sum Insured is restored for subsequent hospitalisations due to a different illnessin the same policy year. |
| Daycare Treatment |
|---|
Women Care Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
VS VS |
Active Care Premier 586 daycare procedures covered, even when hospitalisationis less than24 hours. |
| Cumulative Bonus |
|---|
Women Care 20% each year, up to 100% |
VS VS |
Active Care Premier Earn 10% of Base Sum Insured per claim-free year, accumulating up to a maximum of 50%. |
| AYUSH Treatment |
|---|
Women Care Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
VS VS |
Active Care Premier Covered for listed AYUSH treatments, subject to policy terms. |
| Consumable Cover |
|---|
Women Care Yes |
VS VS |
Active Care Premier Covered in the base plan, including non-medical consumables used during hospitalisation. |
| Initial Waiting Period |
|---|
Women Care 30 days. |
VS VS |
Active Care Premier 30 days from policy inception for general illnesses. Accidental hospitalisationis covered from day 1. |
| Specific Waiting Period |
|---|
Women Care 2 years |
VS VS |
Active Care Premier 2 years for listed specific illnesses and procedures. |
| PED Waiting Period |
|---|
Women Care 3 years |
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 |
|---|
Women Care Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
VS VS |
Active Care Premier Covered for listed modern treatment methods, subject to the policy's list of covered procedures. |
| Annual Health Checkup |
|---|
Women Care Health check-up is available once every policy year, from day 1 of the policy |
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 |
|---|
Women Care You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved |
VS VS |
Active Care Premier Pre-hospitalisation medical expenses covered for30 days prior to hospitalisation. |
| Post-Hospitalisation |
|---|
Women Care You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it |
VS VS |
Active Care Premier Post-hospitalisation medical expenses covered for60 days following discharge. |
| Outpatient Department Cover (OPD Expense) |
|---|
Women Care OPD is available |
VS VS |
Active Care Premier Not covered in the base plan. Tele-OPD e-consultationsare available as an add-on. |
| Deductible Option |
|---|
Women Care Not Available |
VS VS |
Active Care Premier Not a core feature of this variant — verify availability from the policy wordings. |
| Coverage Options |
|---|
Women Care Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L,₹1 Cr |
VS VS |
Active Care Premier Sum Insured options from ₹3 lakh up to ₹10 lakh, designed for senior citizens. |
| Claim Settlement Ratio |
|---|
Women Care 82.31% |
VS VS |
Active Care Premier Aditya Birla Health Insurance reports a 96% claim settlement ratio(3-year average. |
| Maternity Cover |
|---|
Women Care Available |
VS VS |
Active Care Premier Not available in this plan. |
Insurance Plans Comparison
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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.
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