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Insurance Plans Comparison

Aditya Birla Active Fit Plus vs Star Young Star

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

Young Star

Star Young star policy

What Makes It Special:

Young Star Insurance Policy is a health insurance plan designed for adults between 18 and 40 years, with dependent children eligible from 91 days to 25 years on a floater basis. It offers individual and family floater coverage, automatic restoration of Basic Sum Insured, cumulative bonus, health check-up benefits, wellness...

Best For:

  • Buyers looking for long-term health insurance with lifelong renewability

  • Customers who want wellness-based premium discounts

  • Customers looking for automatic restoration of Basic Sum Insured

  • Young families seeking individual or family floater coverage

  • Adults between 18 and 40 years looking for health insurance

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 Young Star

  • The restored Sum Insured cannot be carried forward and does not apply to Modern Treatment.

  • The maternity benefit is available only under the Gold Plan and has specific eligibility and waiting period conditions.

  • Room eligibility is based on a Single Private A/C Room, with proportionate deductions for higher room categories.

  • Specified diseases and procedures have a 12-month waiting period.

  • The PED waiting period is 12 months.

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
Young Star
Young Star

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Active Fit Plus

Any room for some in short 5 lakh and above.

VS

Young Star

Single Private A/C Room, with proportionate deductions applicable for higher room categories


ICU Charges

Active Fit Plus

No sublimit or caps.

VS

Young Star

Covered as part of hospitalisation expenses

Co-payment

Active Fit Plus

No mandatory co-payment identified.

VS

Young Star

No standard co-payment specified in the supplied policy document

Disease-wise sublimits

Active Fit Plus

Subject to policy terms.

VS

Young Star

Applicable limits may apply to specific treatments and benefits


Cashless Healthcare Providers

Active Fit Plus

Current insurer network is 16,500+.

VS

Young Star

Cashless hospitalisation available through Star Health network hospitals

Restoration Benefit

Active Fit Plus

Binge refill - 100% sum insured, unlimited times

VS

Young Star

100% Automatic Restoration of Basic Sum Insured, subject to policy conditions


Cumulative Bonus

Active Fit Plus

10% of SI per year, maximum 100%

VS

Young Star

20% of Basic Sum Insured for every claim-free year, up to 100% of Basic Sum Insured

Daycare Treatment

Active Fit Plus

All daycare treatments up to sum insured

VS

Young Star

All Day Care Procedures Covered

Consumable Cover

Active Fit Plus

Optional/subject to applicable cover

VS

Young Star

Not specifically mentioned in the supplied policy document


AYUSH Treatment

Active Fit Plus

Covered up to sum insured

VS

Young Star

Covered, subject to applicable policy terms


Initial Waiting Period

Active Fit Plus

30 days

VS

Young Star

30 Days, except for eligible accident-related claims

Specific Waiting Period

Active Fit Plus

Information Unavailable

VS

Young Star

12 Months for specified diseases and procedures


PED Waiting Period

Active Fit Plus

36 months

VS

Young Star

12 Months for pre-existing diseases and their direct complications


Modern Treatment

Active Fit Plus

Covered up to sum insured

VS

Young Star

Covered subject to applicable limits

Annual Health Checkup

Active Fit Plus

Once every policy year for eligible insured persons

VS

Young Star

Available after completion of each policy year, subject to applicable limits and renewal


Pre-Hospitalisation

Active Fit Plus

90 days

VS

Young Star

Covered for up to 60 Days

Post-Hospitalisation

Active Fit Plus

180 days

VS

Young Star

Covered for up to 90 Days

Outpatient Department Cover (OPD Expense)

Active Fit Plus

Not part of standard hospitalisation cover; optional OPD available.

VS

Young Star

Not specified as a standard OPD benefit

Deductible Option

Active Fit Plus

Not established as a standard inbuilt benefit

VS

Young Star

1-day deductible applies to the Hospital Cash Benefit


Coverage Options

Active Fit Plus

Individual, multi-individual, and family floater available.

VS

Young Star

₹3 Lakh to ₹1 Crore, with ₹3 Lakh available only on an individual basis; higher options available on individual and floater basis


Claim Settlement Ratio

Active Fit Plus

97%

VS

Young Star

Not specified in the supplied policy document

Maternity Cover

Active Fit Plus

Not available.

VS

Young Star

Delivery expenses up to ₹30,000 per delivery under the Gold Plan, subject to a 36-month waiting period and other conditions


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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