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Insurance Plans Comparison

Aditya Birla Activ Health Platinum Essential vs Star Young Star Gold

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

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Aditya Birla

Activ Health Platinum Essential

Activ Health Platinum Essential

What Makes It Special:

Activ Health Platinum Essential combines hospitalization protection with wellness and chronic-care features, including Day 1 coverage for specified chronic conditions under the applicable product terms.

Best For:

  • Customers wanting health assessment support

  • Buyers looking for wellness benefits

  • People with listed lifestyle conditions

  • Customers looking for an affordable, comprehensive plan

VS
Star

Young Star Gold

Star Health Young Star Gold Plan

What Makes It Special:

Star Young Star Gold is a smart health insurance plan designed for young adults, offering sum insured options from ₹3 lakh up to ₹1 crore. The plan covers hospitalization, daycare procedures, pre and post-hospitalization expenses, and provides cashless treatment across a wide hospital network. It features no pre-acceptance medical screening,...

Best For:

  • Flexible payment and coverage options

  • Comprehensive high-limit individual and floater

  • Smart young adult health protection

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 Activ Health Platinum Essential

  • Customers wanting health assessment support

  • Buyers looking for wellness benefits

  • People with listed lifestyle conditions

  • Customers looking for an affordable comprehensive plan

Star Young Star Gold

  • You seek automatic sum insured restoration

  • You enjoy wellness rewards and teleconsultations

  • You value maternity and newborn benefits included

  • You want cashless treatments at many hospitals

  • You prefer no medical screening for easy entry

  • You want broad coverage up to ₹1 crore

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Activ Health Platinum Essential
Activ Health Platinum Essential

Health Insurance Plan

Brochure

VS
Young Star Gold
Young Star Gold

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Activ Health Platinum Essential

Any room.

VS

Young Star Gold

Single Private Room is included as part of base cover. However, you can opt for Room Modifier Add-on to upgrade or downgrade the room category

ICU Charges

Activ Health Platinum Essential

Covered

VS

Young Star Gold

No restriction on ICU room rent

Co-payment

Activ Health Platinum Essential

20% mandatory unless applicable waiver is selected.

VS

Young Star Gold

Not Available

Disease-wise sublimits

Activ Health Platinum Essential

Applicable.

VS

Young Star Gold

Yes, certain diseases have coverage limits

Cashless Healthcare Providers

Activ Health Platinum Essential

16,500 + current insurer network

VS

Young Star Gold

13000+ Healthcare Providers

Restoration Benefit

Activ Health Platinum Essential

Available as add-on.

VS

Young Star Gold

Sum insured restores to 100% after each claim during the policy year

Cumulative Bonus

Activ Health Platinum Essential

10% per year, up to 100%

VS

Young Star Gold

Sum insured increases by 20% every year, up to 100% max

Daycare Treatment

Activ Health Platinum Essential

Covered.

VS

Young Star Gold

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

Consumable Cover

Activ Health Platinum Essential

Optional/subject to policy.

VS

Young Star Gold

Yes

AYUSH Treatment

Activ Health Platinum Essential

Covered.

VS

Young Star Gold

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

Initial Waiting Period

Activ Health Platinum Essential

30 days

VS

Young Star Gold

30 days.

Specific Waiting Period

Activ Health Platinum Essential

24 months

VS

Young Star Gold

1 year

PED Waiting Period

Activ Health Platinum Essential

36 months

VS

Young Star Gold

1 year

Modern Treatment

Activ Health Platinum Essential

Covered.

VS

Young Star Gold

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Annual Health Checkup

Activ Health Platinum Essential

Once every policy year

VS

Young Star Gold

Health check-up is available once every policy year, from day 1 of the policy

Pre-Hospitalisation

Activ Health Platinum Essential

30 days

VS

Young Star Gold

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

Post-Hospitalisation

Activ Health Platinum Essential

60 days

VS

Young Star Gold

You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it

Outpatient Department Cover (OPD Expense)

Activ Health Platinum Essential

Not standard base limit

VS

Young Star Gold

Not covered under base plan (available as add-on)

Deductible Option

Activ Health Platinum Essential

Subject to applicable optional benefit

VS

Young Star Gold

Available as an option

Coverage Options

Activ Health Platinum Essential

Individual / Family Floater

VS

Young Star Gold

Available coverage options:₹3L, ₹5L, 10L, 15L, 20L, 25L, 50L, 75L and 1 Cr

Claim Settlement Ratio

Activ Health Platinum Essential

97%

VS

Young Star Gold

82.31%

Maternity Cover

Activ Health Platinum Essential

Available as an add-on

VS

Young Star Gold

Available

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?

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From choosing the right policy to managing claims, every step is handled for you

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Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

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.

1-5 of 10 FAQs

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