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Insurance Plans Comparison

Aditya Birla Activ One VIP vs Star Comprehensive

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 VIP

Activ One VIP Plan

What Makes It Special:

Activ One VIP is the global-cover-oriented Activ One variant, combining domestic health insurance with emergency international coverage and specified major-illness and maternity benefits outside India.

Best For:

  • Advanced treatment and wellness plan

  • Unlimited sum insured restoration

  • Family floater with extensive benefits

  • Ultra-high coverage health insurance

VS
Star

Comprehensive

Family health insurance with maternity, OPD, dental and eye cover, 100% restoration and up to 100% cumulative bonus.

What Makes It Special:

An all-in-one family health plan that combines hospitalisation cover with maternity and new-born cover, OPD consultations, dental and eye care, hospital cash, bariatric surgery and accidental death/disability cover in a single policy.

Best For:

  • People under 61 who want to avoid co-payment

  • Buyers looking for a fast-growing bonus (100% after one claim-free year for SI ₹7.5L+)

  • People who want OPD, dental and eye expenses included

  • Families wanting individual or floater cover up to ₹1 crore

  • Young couples planning a family (maternity and new-born cover)

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 One VIP

  • You enjoy wellness rewards and annual health check-ups from day one

  • You value maternity and modern medical treatments

  • You want freedom with no room rent or co-payment limits

  • You prefer unlimited sum insured refills (Super Reload)

  • You want very high medical coverage up to ₹6 crore

Star Comprehensive

  • Things to Consider: Premiums vary by city zone.

  • Things to Consider: Modern treatments and bariatric surgery have sublimits.

  • Things to Consider: Maternity needs both spouses covered for 24 months, and delivery limits are modest at lower SI.

  • Things to Consider: 10% co-payment for people who join at age 61 or above.

  • Things to Consider: 36-month PED waiting period, unless you buy the optional PED buy-back (reduces it to 12 months).

  • Reasons to Consider: 60 days of pre- and 90 days of post-hospitalisation cover, plus air ambulance and home care.

  • Reasons to Consider: Cumulative bonus up to 100% of SI, plus 100% restoration once a year (usable for the same illness).

  • Reasons to Consider: OPD consultations and dental/eye treatment covered outside the Sum Insured.

  • Reasons to Consider: Delivery (up to 2) and new-born cover after 24 months.

  • Reasons to Consider: Private single AC room with no fixed room rent cap.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Activ One VIP
Activ One VIP

Health Insurance Plan

Brochure

Policy Wording

VS
Comprehensive
Comprehensive

Health Insurance Plan

Brochure

Room Rent

Activ One VIP

All room categories are covered

VS

Comprehensive

Information Unavailable

ICU Charges

Activ One VIP

No restriction on ICU room rent

VS

Comprehensive

Covered up to Sum Insured; no separate ICU cap.

Advanced Treatments

Activ One VIP

Information Unavailable

VS

Comprehensive

Coverage includes robotic surgeries, stem cell therapy, organ transplants, modern cancer treatments, bariatric surgery, and advanced cardiac procedures as per policy terms.

Disease-wise sublimits

Activ One VIP

No

VS

Comprehensive

Information Unavailable

Co-payment

Activ One VIP

Yes


VS

Comprehensive

This policy is subject to co-payment of 10% of each and every claim amount for fresh as well as renewal policies for insured persons whose age at the time of entry is 61 years and above

Waiting Period

Activ One VIP

Information Unavailable

VS

Comprehensive

  1. Initial Waiting Period: A 30-day waiting period applies from the policy's inception, during which claims are not admissible, except for those arising from accidents. 
     
  2. Pre-existing Disease Waiting Period: For the Silver plan, pre-existing diseases are covered after 48 months of continuous coverage. For Gold and Platinum plans, this period is reduced to 24 months.
     
  3. Specific Disease/Procedure Waiting Period: For individuals above 45 years of age, certain listed illnesses and procedures are covered after a 24-month waiting period from the policy's inception.
Cashless Healthcare Providers

Activ One VIP

11000+ Healthcare Providers

VS

Comprehensive

Access to over 14,000+  cashless healthcare providers for seamless treatment.

Restoration Benefit

Activ One VIP

Not available

VS

Comprehensive

Information Unavailable

Daycare Treatment

Activ One VIP

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

VS

Comprehensive

covered by the policy.

Cumulative Bonus

Activ One VIP

Your sum insured increases by 50% every year, maximum up to 100%

VS

Comprehensive

SI ₹5L: 50% of Basic SI per claim-free year, max 100%. SI ₹7.5L and above: 100% of Basic SI after one claim-free year, max 100%.

Consumable Cover

Activ One VIP

Yes

VS

Comprehensive

Not mentioned (no separate consumables cover in the policy documents).

AYUSH Treatment

Activ One VIP

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

VS

Comprehensive

AYUSH treatments are covered up to the sum insured.

Initial Waiting Period

Activ One VIP

30 days

VS

Comprehensive

30 days (accidents excepted)

Specific Waiting Period

Activ One VIP

2 years

VS

Comprehensive

24 months for listed diseases/procedures; 36 months for Bariatric Surgery; 24 months for Delivery and New Born cover

PED Waiting Period

Activ One VIP

3 years

VS

Comprehensive

Information Unavailable

Modern Treatment

Activ One VIP

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

VS

Comprehensive

  1. Covered up to treatment-wise sublimits that vary by Sum Insured, e.g. robotic surgery ₹2.5L (SI ₹5L) to ₹7.5L (SI ₹1 Cr); immunotherapy ₹2.5L to ₹10L; bronchial thermoplasty, prostate vaporisation and IONM up to Sum Insured. Part of Sum Insured.
Annual Health Checkup

Activ One VIP

Not available

VS

Comprehensive

Information Unavailable

Pre-Hospitalisation

Activ One VIP

You get cover for medical tests and doctor visits up to 90 days before hospitalisation, if your main claim is approved

VS

Comprehensive

Information Unavailable

Post-Hospitalisation

Activ One VIP

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

VS

Comprehensive

Information Unavailable

Outpatient Department Cover (OPD Expense)

Activ One VIP

OPD expenses are covered

VS

Comprehensive

Information Unavailable

Deductible Option

Activ One VIP

Not available

VS

Comprehensive

Information Unavailable

Coverage Options

Activ One VIP

Available coverage options: ₹50 Lacs, ₹75 Lacs, ₹1 Cr, ₹2 Cr, ₹3 Cr, ₹4 Cr, ₹5 Cr, ₹6 Cr

VS

Comprehensive

Information Unavailable

Claim Settlement Ratio

Activ One VIP

96%

VS

Comprehensive

Information Unavailable

Maternity Cover

Activ One VIP

Available

VS

Comprehensive

Information Unavailable

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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