Insurance Plans Comparison
Star Assure vs Aditya Birla Activ One Max
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreAssure
Star Health Assure Insurance Policy
What Makes It Special:
Star Health Assure is a flexible, high-limit health insurance plan designed for individuals and families, with coverage options from ₹5 lakh up to ₹2 crore. The plan offers cashless hospitalization across a wide network, daily hospital cash benefits, and no room rent restrictions on standard rooms. It features lifetime renewability,...
Best For:
Unlimited restoration option plan
Premium floater family health plan
Flexible high-sum insured protection
Flexible options for payment of premium
VS
Activ 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
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 want maternity and newborn coverage included
You want no room rent capping for standard rooms
You value unlimited restoration of sum insured
You want coverage up to ₹2 crore for family
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
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Assure Health Insurance Plan VS VS |
Activ One Max Health Insurance Plan |
| Room Rent |
|---|
Assure Capped at up to 1% of Sum Insured per day for a ₹5 Lakh cover. For ₹10 Lakh to ₹25 Lakh cover: Any room allowed except suites. For ₹50 Lakh to ₹2 Crore cover: Any room category with zero restrictions (Suites included). Proportionate deduction applies if an higher room tier is chosen. |
VS VS |
Activ One Max All room categories are covered |
| ICU Charges |
|---|
Assure No restriction on ICU room rent |
VS VS |
Activ One Max No restriction on ICU room rent |
| Disease-wise sublimits |
|---|
Assure No |
VS VS |
Activ One Max No |
| Co-payment |
|---|
Assure 0% for entries up to age 60. A mandatory 10% co-payment applies to each and every claim if the insured person's age at entry is 61 years or older. |
VS VS |
Activ One Max Available as an option |
| Restoration Benefit |
|---|
Assure Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses |
VS VS |
Activ One Max Yes, your sum insured restores to 100% unlimited times after your second claim, for both related and unrelated illnesses |
| Cashless Healthcare Providers |
|---|
Assure 14000+ Healthcare Providers |
VS VS |
Activ One Max 11000+ Healthcare Providers |
| Cumulative Bonus |
|---|
Assure 25% of the Sum Insured for each claim-free year, up to a maximum of 100%. |
VS VS |
Activ One Max Your sum insured increases by 100% every year up to 500%, maximum 3cr |
| Daycare Treatment |
|---|
Assure Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
VS VS |
Activ One Max Covers medical expenses for treatments not requiring 24-hour hospitalisation, up to your annual sum insured |
| AYUSH Treatment |
|---|
Assure Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
VS VS |
Activ One Max Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Consumable Cover |
|---|
Assure Yes |
VS VS |
Activ One Max Yes |
| Initial Waiting Period |
|---|
Assure 30 days. |
VS VS |
Activ One Max 30 days |
| Specific Waiting Period |
|---|
Assure 2 years |
VS VS |
Activ One Max 2 years |
| PED Waiting Period |
|---|
Assure 36 months (3 years) for 1 and 2-year policy terms; reduced to 30 months if a 3-year policy term is chosen up front. |
VS VS |
Activ One Max 3 years |
| Modern Treatment |
|---|
Assure Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
VS VS |
Activ One Max Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
| Annual Health Checkup |
|---|
Assure Health check-up is available once every policy year, from day 1 of the policy |
VS VS |
Activ One Max Health check-up is available from the first policy year |
| Pre-Hospitalisation |
|---|
Assure You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved |
VS VS |
Activ One Max You get cover for medical tests and doctor visits up to 90 days before hospitalisation, if your main claim is approved |
| Post-Hospitalisation |
|---|
Assure You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it |
VS VS |
Activ One Max You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it |
| Outpatient Department Cover (OPD Expense) |
|---|
Assure Not included for general consultations or regular pharmacies. Outpatient benefits are available exclusively for Chronic Severe Refractory Asthma up to specified policy sub-limits. |
VS VS |
Activ One Max OPD expense is not included |
| Deductible Option |
|---|
Assure Available as an option |
VS VS |
Activ One Max Available as an option |
| Coverage Options |
|---|
Assure Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr, ₹2 Cr |
VS VS |
Activ One Max Available coverage options: ₹5L, ₹7L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr and ₹2 Cr |
| Claim Settlement Ratio |
|---|
Assure 82.31% |
VS VS |
Activ One Max 96% |
| Maternity Cover |
|---|
Assure Covered up to 10% of the Sum Insured after a continuous 24-month waiting period. Requires both spouses to be covered under the same policy. |
VS VS |
Activ One Max Not available |
Insurance Plans Comparison
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Insurance Plans Comparison
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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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