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Insurance Plans Comparison

Aditya Birla Active Fit Plus vs Star Optima Insurance

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

Optima Insurance

Optima Insurance

What Makes It Special:

Optima Insurance focuses on providing essential health coverage at an affordable premium. It's designed for budget-conscious individuals who want reliable coverage.

Best For:

  • Not available

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 Optima Insurance

Not available

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
Optima Insurance
Optima Insurance

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Active Fit Plus

Any room for some in short 5 lakh and above.

VS

Optima Insurance

Normal: Single Private A/C Room

ICU: Covered up to Sum Insured

ICU Charges

Active Fit Plus

No sublimit or caps.

VS

Optima Insurance

Information Unavailable

Advanced Treatments

Active Fit Plus

Information Unavailable

VS

Optima Insurance

Immunotherapy – Monoclonal Antibody injections

Stem Cell Therapy for hematological conditions

IONM (Intraoperative Neuro Monitoring)

Green Laser / Holmium Laser prostate treatment

Bronchial Thermoplasty

Oral Chemotherapy

Robotic Surgeries

Deep Brain Stimulation

Balloon Sinoplasty

Uterine Artery Embolization and HIFU

Co-payment

Active Fit Plus

No mandatory co-payment identified.

VS

Optima Insurance

20% mandatory co-payment for insured persons entering at age 61 years and above

Disease-wise sublimits

Active Fit Plus

Subject to policy terms.

VS

Optima Insurance

Information Unavailable

Waiting Period

Active Fit Plus

Information Unavailable

VS

Optima Insurance

Initial Waiting Period: 30 days

Pre-existing Disease Waiting Period: 36 months

Specific Disease/Procedure Waiting Period: 24 months

Cashless Healthcare Providers

Active Fit Plus

Current insurer network is 16,500+.

VS

Optima Insurance

Cashless treatment available at network hospitals

Restoration Benefit

Active Fit Plus

Binge refill - 100% sum insured, unlimited times

VS

Optima Insurance

Information Unavailable

Cumulative Bonus

Active Fit Plus

10% of SI per year, maximum 100%

VS

Optima Insurance

Information Unavailable

Daycare Treatment

Active Fit Plus

All daycare treatments up to sum insured

VS

Optima Insurance

All daycare procedures covered

Consumable Cover

Active Fit Plus

Optional/subject to applicable cover

VS

Optima Insurance

Information Unavailable

AYUSH Treatment

Active Fit Plus

Covered up to sum insured

VS

Optima Insurance

Covered up to Sum Insured

Initial Waiting Period

Active Fit Plus

30 days

VS

Optima Insurance

Information Unavailable

Specific Waiting Period

Active Fit Plus

Information Unavailable

VS

Optima Insurance

Information Unavailable

PED Waiting Period

Active Fit Plus

36 months

VS

Optima Insurance

Information Unavailable

Modern Treatment

Active Fit Plus

Covered up to sum insured

VS

Optima Insurance

Information Unavailable

Annual Health Checkup

Active Fit Plus

Once every policy year for eligible insured persons

VS

Optima Insurance

Information Unavailable

Pre-Hospitalisation

Active Fit Plus

90 days

VS

Optima Insurance

Information Unavailable

Post-Hospitalisation

Active Fit Plus

180 days

VS

Optima Insurance

Information Unavailable

Outpatient Department Cover (OPD Expense)

Active Fit Plus

Not part of standard hospitalisation cover; optional OPD available.

VS

Optima Insurance

Information Unavailable

Deductible Option

Active Fit Plus

Not established as a standard inbuilt benefit

VS

Optima Insurance

Information Unavailable

Coverage Options

Active Fit Plus

Individual, multi-individual, and family floater available.

VS

Optima Insurance

Information Unavailable

Claim Settlement Ratio

Active Fit Plus

97%

VS

Optima Insurance

Information Unavailable

Maternity Cover

Active Fit Plus

Not available.

VS

Optima Insurance

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?

End-to-End Support

End-to-End Support

From choosing the right policy to managing claims, every step is handled for you

Zero Spam. Zero Hassle

Zero Spam. Zero Hassle

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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