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Insurance Plans Comparison

Aditya Birla Active Fit Plus vs Star Special Care Gold

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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Aditya Birla

Active Fit Plus

Wellness-driven health protection with Binge Refill and HealthReturns

What Makes It Special:

Activ Fit Plus is designed around health insurance and wellness rewards, with Binge Refill, health assessment, HealthReturns and fitness-linked benefits.

Best For:

  • People looking for broad hospitalisation and daycare coverage

  • Buyers wanting unlimited sum insured refill

  • Customers interested in wellness rewards

  • Younger adults and families

VS
Star

Special Care Gold

Special Care Gold

What Makes It Special:

Special Care Gold is designed for persons with disabilities and individuals with HIV/AIDS. The product provides individual indemnity and benefit coverage, with defined eligibility requirements, hospitalisation cover, daycare treatment, AYUSH treatment, modern treatment coverage and a 20% co-payment that can be waived through an optional benefit.

Best For:

  • Customers who need defined coverage with optional co-payment waiver

  • Customers looking for AYUSH hospitalisation coverage

  • Families seeking specialised health insurance for eligible members

  • Eligible individuals living with HIV/AIDS

  • Eligible persons with disabilities

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 Active Fit Plus

  • Waiting periods should be reviewed before purchase.

  • Maternity is not part of the Plus variant.

  • Binge Refill can provide additional protection after some insured is exhausted.

  • Suitable if wellness linked rewards are important.

Star Special Care Gold

  • No pre-policy medical test is required, subject to submission requirements.

  • A co-payment waiver is available for additional premium.

  • AYUSH inpatient treatment is covered up to 100% of Sum Insured.

  • Sum Insured options of ₹4 Lakh and ₹5 Lakh are available.

  • The product is specifically structured for disability and HIV/AIDS-related eligibility.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Active Fit Plus
Active Fit Plus

Health Insurance Plan

VS
Special Care Gold
Special Care Gold

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Active Fit Plus

Any room for some in short 5 lakh and above.

VS

Special Care Gold

Up to 1% of Sum Insured per day

ICU Charges

Active Fit Plus

No sublimit or caps.

VS

Special Care Gold

Up to 2% of Sum Insured per day

Co-payment

Active Fit Plus

No mandatory co-payment identified.

VS

Special Care Gold

20% on all claims; waiver available for additional premium


Disease-wise sublimits

Active Fit Plus

Subject to policy terms.

VS

Special Care Gold

Specified treatment limits apply


Cashless Healthcare Providers

Active Fit Plus

Current insurer network is 16,500+.

VS

Special Care Gold

Cashless treatment available at network hospitals


Restoration Benefit

Active Fit Plus

Binge refill - 100% sum insured, unlimited times

VS

Special Care Gold

Not specified

Cumulative Bonus

Active Fit Plus

10% of SI per year, maximum 100%

VS

Special Care Gold

Not specified

Daycare Treatment

Active Fit Plus

All daycare treatments up to sum insured

VS

Special Care Gold

All daycare procedures covered

Consumable Cover

Active Fit Plus

Optional/subject to applicable cover

VS

Special Care Gold

Not specified

AYUSH Treatment

Active Fit Plus

Covered up to sum insured

VS

Special Care Gold

Covered up to 100% of Sum Insured

Initial Waiting Period

Active Fit Plus

30 days

VS

Special Care Gold

30 Days for indemnity basis; 90 Days for HIV/AIDS benefit basis


Specific Waiting Period

Active Fit Plus

Information Unavailable

VS

Special Care Gold

24 Months

PED Waiting Period

Active Fit Plus

36 months

VS

Special Care Gold

36 Months for PEDs other than specified disability and HIV/AIDS; 24 Months for pre-existing disability


Modern Treatment

Active Fit Plus

Covered up to sum insured

VS

Special Care Gold

Covered up to 50% of Sum Insured for listed modern treatments

Annual Health Checkup

Active Fit Plus

Once every policy year for eligible insured persons

VS

Special Care Gold

Not specified


Pre-Hospitalisation

Active Fit Plus

90 days

VS

Special Care Gold

Up to 30 Days

Post-Hospitalisation

Active Fit Plus

180 days

VS

Special Care Gold

Up to 60 Days

Outpatient Department Cover (OPD Expense)

Active Fit Plus

Not part of standard hospitalisation cover; optional OPD available.

VS

Special Care Gold

Not a standard OPD benefit


Deductible Option

Active Fit Plus

Not established as a standard inbuilt benefit

VS

Special Care Gold

Not specified

Coverage Options

Active Fit Plus

Individual, multi-individual, and family floater available.

VS

Special Care Gold

₹4 Lakh and ₹5 Lakh, individual basis


Claim Settlement Ratio

Active Fit Plus

97%

VS

Special Care Gold

Not specified


Maternity Cover

Active Fit Plus

Not available.

VS

Special Care Gold

Not specified as a standard maternity benefit

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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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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