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Insurance Plans Comparison

Aditya Birla Activ One Max 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

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

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

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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 One Max

  • 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

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

Activ One Max
Activ One Max

Health Insurance Plan

Brochure

Policy Wording

VS
Medi Classic
Medi Classic

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Activ One Max

All room categories are covered

VS

Medi Classic

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



ICU Charges

Activ One Max

No restriction on ICU room rent

VS

Medi Classic

Covered as per the applicable policy terms and limits.

Co-payment

Activ One Max

Available as an option

VS

Medi Classic

Not specified in the retrieved source.



Disease-wise sublimits

Activ One Max

No

VS

Medi Classic

Modern treatments and cataract treatment are subject to applicable limits.



Cashless Healthcare Providers

Activ One Max

11000+ Healthcare Providers

VS

Medi Classic

Not specified in the retrieved source.



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

Medi Classic

Not specified in the retrieved source.

Cumulative Bonus

Activ One Max

Your sum insured increases by 100% every year up to 500%, maximum 3cr

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

Activ One Max

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

VS

Medi Classic

Not specified in the retrieved source.



Consumable Cover

Activ One Max

Yes

VS

Medi Classic

Not specified in the retrieved source.



AYUSH Treatment

Activ One Max

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

VS

Medi Classic

Not specified in the retrieved source.



Initial Waiting Period

Activ One Max

30 days

VS

Medi Classic

Not specified in the retrieved source.



Specific Waiting Period

Activ One Max

2 years

VS

Medi Classic

Not specified in the retrieved source.



PED Waiting Period

Activ One Max

3 years

VS

Medi Classic





Modern Treatment

Activ One Max

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

VS

Medi Classic

Covered, subject to applicable limits and policy terms.



Annual Health Checkup

Activ One Max

Health check-up is available from the first policy year

VS

Medi Classic

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



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

Medi Classic

Covered for 30 days.



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

Medi Classic

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



Outpatient Department Cover (OPD Expense)

Activ One Max

OPD expense is not included

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

Activ One Max

Available as an option

VS

Medi Classic

Not specified in the retrieved source.



Coverage Options

Activ One Max

Available coverage options: ₹5L, ₹7L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr and ₹2 Cr

VS

Medi Classic

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



Claim Settlement Ratio

Activ One Max

96%

VS

Medi Classic

Not specified in the retrieved source.



Maternity Cover

Activ One Max

Not available

VS

Medi Classic

Not specified in the retrieved source.



Insurance Plans Comparison

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Why Choose Our Expert Consultation?

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Free 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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