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Insurance Plans Comparison

Aditya Birla Active Fit Plus 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

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

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

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 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

Active Fit Plus
Active Fit Plus

Health Insurance Plan

VS
Medi Classic
Medi Classic

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Active Fit Plus

Any room for some in short 5 lakh and above.

VS

Medi Classic

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



ICU Charges

Active Fit Plus

No sublimit or caps.

VS

Medi Classic

Covered as per the applicable policy terms and limits.

Co-payment

Active Fit Plus

No mandatory co-payment identified.

VS

Medi Classic

Not specified in the retrieved source.



Disease-wise sublimits

Active Fit Plus

Subject to policy terms.

VS

Medi Classic

Modern treatments and cataract treatment are subject to applicable limits.



Cashless Healthcare Providers

Active Fit Plus

Current insurer network is 16,500+.

VS

Medi Classic

Not specified in the retrieved source.



Restoration Benefit

Active Fit Plus

Binge refill - 100% sum insured, unlimited times

VS

Medi Classic

Not specified in the retrieved source.

Cumulative Bonus

Active Fit Plus

10% of SI per year, maximum 100%

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

Active Fit Plus

All daycare treatments up to sum insured

VS

Medi Classic

Not specified in the retrieved source.



Consumable Cover

Active Fit Plus

Optional/subject to applicable cover

VS

Medi Classic

Not specified in the retrieved source.



AYUSH Treatment

Active Fit Plus

Covered up to sum insured

VS

Medi Classic

Not specified in the retrieved source.



Initial Waiting Period

Active Fit Plus

30 days

VS

Medi Classic

Not specified in the retrieved source.



Specific Waiting Period

Active Fit Plus

Information Unavailable

VS

Medi Classic

Not specified in the retrieved source.



PED Waiting Period

Active Fit Plus

36 months

VS

Medi Classic





Modern Treatment

Active Fit Plus

Covered up to sum insured

VS

Medi Classic

Covered, subject to applicable limits and policy terms.



Annual Health Checkup

Active Fit Plus

Once every policy year for eligible insured persons

VS

Medi Classic

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



Pre-Hospitalisation

Active Fit Plus

90 days

VS

Medi Classic

Covered for 30 days.



Post-Hospitalisation

Active Fit Plus

180 days

VS

Medi Classic

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



Outpatient Department Cover (OPD Expense)

Active Fit Plus

Not part of standard hospitalisation cover; optional OPD available.

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

Active Fit Plus

Not established as a standard inbuilt benefit

VS

Medi Classic

Not specified in the retrieved source.



Coverage Options

Active Fit Plus

Individual, multi-individual, and family floater available.

VS

Medi Classic

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



Claim Settlement Ratio

Active Fit Plus

97%

VS

Medi Classic

Not specified in the retrieved source.



Maternity Cover

Active Fit Plus

Not available.

VS

Medi Classic

Not specified in the retrieved source.



Insurance Plans Comparison

Still Confused? Get Expert Advice

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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

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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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