Insurance Plans Comparison
Star Assure vs Aditya Birla Active Fit Preferred
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
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Assure
Star Health Assure Insurance Policy
What Makes It Special:
Star Health Assure is a flexible, high-limit health insurance plan designed for individuals and families, with coverage options from ₹5 lakh up to ₹2 crore. The plan offers cashless hospitalization across a wide network, daily hospital cash benefits, and no room rent restrictions on standard rooms. It features lifetime renewability,...
Best For:
Unlimited restoration option plan
Premium floater family health plan
Flexible high-sum insured protection
Flexible options for payment of premium
VS
Active Fit Preferred
Activ Fit Preferred
What Makes It Special:
Activ Fit Preferred combines hospitalization coverage with fitness rewards and maternity protection. It includes unlimited Binge Refill, HealthReturns and a maternity benefit over and above the base Sum Insured.
Best For:
Buyers wanting unlimited refill protection
Customers interested in fitness-linked rewards
Buyers planning for maternity
Younger families
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
You want maternity and newborn coverage included
You want no room rent capping for standard rooms
You value unlimited restoration of sum insured
You want coverage up to ₹2 crore for family
OPD consultation requires the relevant optional cover.
Health returns depend on wellness activity and applicable policy conditions.
The maternity waiting period should be considered before purchase.
Maternity benefits are a key differentiator of this variant.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Assure Health Insurance Plan VS VS |
Active Fit Preferred Health Insurance Plan |
| Room Rent |
|---|
Assure Capped at up to 1% of Sum Insured per day for a ₹5 Lakh cover. For ₹10 Lakh to ₹25 Lakh cover: Any room allowed except suites. For ₹50 Lakh to ₹2 Crore cover: Any room category with zero restrictions (Suites included). Proportionate deduction applies if an higher room tier is chosen. |
VS VS |
Active Fit Preferred Any room for sum insured 5 lakh and above. |
| ICU Charges |
|---|
Assure No restriction on ICU room rent |
VS VS |
Active Fit Preferred No capping, covered up to sum insured. |
| Disease-wise sublimits |
|---|
Assure No |
VS VS |
Active Fit Preferred No broad disease sublimit identified; subject to policy terms. |
| Co-payment |
|---|
Assure 0% for entries up to age 60. A mandatory 10% co-payment applies to each and every claim if the insured person's age at entry is 61 years or older. |
VS VS |
Active Fit Preferred No. |
| Restoration Benefit |
|---|
Assure Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses |
VS VS |
Active Fit Preferred Binge refill - 100% sum insured, unlimited times |
| Cashless Healthcare Providers |
|---|
Assure 14000+ Healthcare Providers |
VS VS |
Active Fit Preferred 16,500 + current insurer network |
| Cumulative Bonus |
|---|
Assure 25% of the Sum Insured for each claim-free year, up to a maximum of 100%. |
VS VS |
Active Fit Preferred 10% per year, up to 100% |
| Daycare Treatment |
|---|
Assure Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
VS VS |
Active Fit Preferred All day care treatments covered up to sum insured. |
| AYUSH Treatment |
|---|
Assure Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
VS VS |
Active Fit Preferred Covered up to sum insured |
| Consumable Cover |
|---|
Assure Yes |
VS VS |
Active Fit Preferred Optional/subject to applicable cover |
| Initial Waiting Period |
|---|
Assure 30 days. |
VS VS |
Active Fit Preferred 30 days |
| Specific Waiting Period |
|---|
Assure 2 years |
VS VS |
Active Fit Preferred 24 months |
| PED Waiting Period |
|---|
Assure 36 months (3 years) for 1 and 2-year policy terms; reduced to 30 months if a 3-year policy term is chosen up front. |
VS VS |
Active Fit Preferred 48 months |
| Modern Treatment |
|---|
Assure Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
VS VS |
Active Fit Preferred Covered up to sum insured. |
| Annual Health Checkup |
|---|
Assure Health check-up is available once every policy year, from day 1 of the policy |
VS VS |
Active Fit Preferred Once every policy year |
| Pre-Hospitalisation |
|---|
Assure You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved |
VS VS |
Active Fit Preferred 90 days |
| Post-Hospitalisation |
|---|
Assure You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it |
VS VS |
Active Fit Preferred 180 days |
| Outpatient Department Cover (OPD Expense) |
|---|
Assure Not included for general consultations or regular pharmacies. Outpatient benefits are available exclusively for Chronic Severe Refractory Asthma up to specified policy sub-limits. |
VS VS |
Active Fit Preferred Optional cover |
| Deductible Option |
|---|
Assure Available as an option |
VS VS |
Active Fit Preferred Not established as a standard inbuilt benefit |
| Coverage Options |
|---|
Assure Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr, ₹2 Cr |
VS VS |
Active Fit Preferred Individual, multi-individual, family floater structure as applicable. |
| Claim Settlement Ratio |
|---|
Assure 82.31% |
VS VS |
Active Fit Preferred 97% |
| Maternity Cover |
|---|
Assure Covered up to 10% of the Sum Insured after a continuous 24-month waiting period. Requires both spouses to be covered under the same policy. |
VS VS |
Active Fit Preferred Yes, 40,000 normal/60,000 C-section. |
Insurance Plans Comparison
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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
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Insurance Plans Comparison
Explore Insurance Category
Senior Citizen Health Plan
Secure against age-related medical costs
Tailored for seniors healthcare needs
Most Popular
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
Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs
Senior Citizen Health Plan
Secure against age-related medical costs
Tailored for seniors healthcare needs
Most Popular
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
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.
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