Insurance Plans Comparison
Aditya Birla Activ One Max vs Star Family Health Optima
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreActiv One Max
Comprehensive Health Insurance with Unlimited Super Reload and 500% Super Credit.
What Makes It Special:
Aditya Birla Activ One MAX is an all-encompassing health insurance plan offering coverage from ₹2 lakh up to ₹6 crore, ideal for individuals and families. It includes unlimited room rent and hospitalisation expenses, Super Reload unlimited sum insured refills, Super Credit sum boosts up to 500%, and HealthReturns™ that reward...
Best For:
High-Sum Insured Premium Plan
Wellness Reward-Based Health Insurance
Unlimited Restoration Medical Coverage
Advanced Family Floater Protection
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
Ultra‑high coverage up to ₹6 crore
Unlimited super‑reload sum insured refills
HealthReturns™ rewards boost wellness savings
No room rent or co‑payment restrictions
Chronic care and enhanced add‑on protection
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
Activ One Max Health Insurance Plan VS VS |
![]() Family Health Optima Health Insurance Plan |
| Room Rent |
|---|
Activ One Max All room categories are covered |
VS VS |
Family Health Optima
|
| ICU Charges |
|---|
Activ One Max No restriction on ICU room rent |
VS VS |
Family Health Optima Covered as part of eligible hospitalisation expenses, subject to policy terms. |
| Co-payment |
|---|
Activ One Max Available as an option |
VS VS |
Family Health Optima 20% of each claim for insured persons whose age at entry is 61 years or above. |
| Disease-wise sublimits |
|---|
Activ One Max No |
VS VS |
Family Health Optima Sublimits apply to specified benefits and treatments, subject to policy terms. |
| Cashless Healthcare Providers |
|---|
Activ One Max 11000+ Healthcare Providers |
VS VS |
Family Health Optima Cashless treatment is available at eligible network hospitals, subject to authorisation and policy conditions. |
| Restoration Benefit |
|---|
Activ One Max Yes, your sum insured restores to 100% unlimited times after your second claim, for both related and unrelated illnesses |
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 |
|---|
Activ One Max Your sum insured increases by 100% every year up to 500%, maximum 3cr |
VS VS |
Family Health Optima Loyalty Bonus is available for eligible Sum Insured options, subject to renewal conditions and policy limits. |
| Daycare Treatment |
|---|
Activ One Max Covers medical expenses for treatments not requiring 24-hour hospitalisation, up to your annual sum insured |
VS VS |
Family Health Optima Eligible daycare procedures are covered, subject to policy terms. |
| Consumable Cover |
|---|
Activ One Max Yes |
VS VS |
Family Health Optima Not specified. |
| AYUSH Treatment |
|---|
Activ One Max Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
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 |
|---|
Activ One Max 30 days |
VS VS |
Family Health Optima
|
| Specific Waiting Period |
|---|
Activ One Max 2 years |
VS VS |
Family Health Optima 24 months for specified diseases and procedures. |
| PED Waiting Period |
|---|
Activ One Max 3 years |
VS VS |
Family Health Optima 36 months for pre-existing diseases. |
| Modern Treatment |
|---|
Activ One Max Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
VS VS |
Family Health Optima
|
| Annual Health Checkup |
|---|
Activ One Max Health check-up is available from the first policy year |
VS VS |
Family Health Optima Preventive health check-up at network providers, according to the applicable Sum Insured and package. |
| Pre-Hospitalisation |
|---|
Activ One Max You get cover for medical tests and doctor visits up to 90 days before hospitalisation, if your main claim is approved |
VS VS |
Family Health Optima Covered for up to 60 days before hospital admission. |
| Post-Hospitalisation |
|---|
Activ One Max You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it |
VS VS |
Family Health Optima Covered for up to 90 days after discharge. |
| Outpatient Department Cover (OPD Expense) |
|---|
Activ One Max OPD expense is not included |
VS VS |
Family Health Optima Not specified. |
| Deductible Option |
|---|
Activ One Max Available as an option |
VS VS |
Family Health Optima Not specified. |
| Coverage Options |
|---|
Activ One Max Available coverage options: ₹5L, ₹7L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr and ₹2 Cr |
VS VS |
Family Health Optima Family Floater. |
| Claim Settlement Ratio |
|---|
Activ One Max 96% |
VS VS |
Family Health Optima Insurer-level metric, not a policy benefit. |
| Maternity Cover |
|---|
Activ One Max Not available |
VS VS |
Family Health Optima Not specified. |
Insurance Plans Comparison
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Insurance Plans Comparison
Explore Insurance Category
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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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