Aditya Birla Activ One VIP+ vs Star Assure

Normal: Actuals up to Sum Insured.

ICU: Actuals up to Sum Insured.

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.

List all covered advanced/modern treatments mentioned: Uterine Artery Embolization and HIFU (High intensity focused ultrasound), Immunotherapy- Monoclonal Antibody, Vaporisation of the Prostrate (Green laser treatment or holmium laser treatment), Stem Cell Therapy (Hematopoietic Stem Cells for Bone Marrow Transplant for Haematological Conditions), Balloon Sinuplasty, Oral Chemotherapy, Robotic Surgeries, Stereotactic Radio Surgeries, Deep Brain Stimulation, Intra Vitreal Injections, Bronchial Thermoplasty, and IONM (Intra Operative Neuro Monitoring).

No restriction on ICU room rent

Not mentioned

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.

No

Initial Waiting Period: 30 Days.

Pre-existing Disease Waiting Period: 3 years.

Specific Disease/Procedure Waiting Period: 2 years.

10,000+ Network hospitals.

14000+ Healthcare Providers

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

Actuals up to Sum Insured

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

25% of the Sum Insured for each claim-free year, up to a maximum of 100%.

Actuals up to Sum Insured

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

Yes

30 days.

2 years

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.

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

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

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

You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it

Not included for general consultations or regular pharmacies. Outpatient benefits are available exclusively for Chronic Severe Refractory Asthma up to specified policy sub-limits.

Available as an option

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

82.31%

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.