Insurance Plans Comparison
Star Medi Classic 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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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.
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
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.
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
Medi Classic Health Insurance Plan VS VS |
Active Fit Preferred Health Insurance Plan |
| Room Rent |
|---|
Medi Classic 2% of Sum Insured per day, subject to a maximum of ₹5,000 per day. |
VS VS |
Active Fit Preferred Any room for sum insured 5 lakh and above. |
| ICU Charges |
|---|
Medi Classic Covered as per the applicable policy terms and limits. |
VS VS |
Active Fit Preferred No capping, covered up to sum insured. |
| Co-payment |
|---|
Medi Classic Not specified in the retrieved source. |
VS VS |
Active Fit Preferred No. |
| Disease-wise sublimits |
|---|
Medi Classic Modern treatments and cataract treatment are subject to applicable limits. |
VS VS |
Active Fit Preferred No broad disease sublimit identified; subject to policy terms. |
| Cashless Healthcare Providers |
|---|
Medi Classic Not specified in the retrieved source. |
VS VS |
Active Fit Preferred 16,500 + current insurer network |
| Restoration Benefit |
|---|
Medi Classic Not specified in the retrieved source. |
VS VS |
Active Fit Preferred Binge refill - 100% sum insured, unlimited times |
| Cumulative Bonus |
|---|
Medi Classic 5% of the Sum Insured for every claim-free year, subject to a maximum of 25% of the Sum Insured. |
VS VS |
Active Fit Preferred 10% per year, up to 100% |
| Daycare Treatment |
|---|
Medi Classic Not specified in the retrieved source. |
VS VS |
Active Fit Preferred All day care treatments covered up to sum insured. |
| Consumable Cover |
|---|
Medi Classic Not specified in the retrieved source. |
VS VS |
Active Fit Preferred Optional/subject to applicable cover |
| AYUSH Treatment |
|---|
Medi Classic Not specified in the retrieved source. |
VS VS |
Active Fit Preferred Covered up to sum insured |
| Initial Waiting Period |
|---|
Medi Classic Not specified in the retrieved source. |
VS VS |
Active Fit Preferred 30 days |
| Specific Waiting Period |
|---|
Medi Classic Not specified in the retrieved source. |
VS VS |
Active Fit Preferred 24 months |
| PED Waiting Period |
|---|
Medi Classic |
VS VS |
Active Fit Preferred 48 months |
| Modern Treatment |
|---|
Medi Classic Covered, subject to applicable limits and policy terms. |
VS VS |
Active Fit Preferred Covered up to sum insured. |
| Annual Health Checkup |
|---|
Medi Classic Preventive health check-up is covered as per policy terms. |
VS VS |
Active Fit Preferred Once every policy year |
| Pre-Hospitalisation |
|---|
Medi Classic Covered for 30 days. |
VS VS |
Active Fit Preferred 90 days |
| Post-Hospitalisation |
|---|
Medi Classic Covered for 60 days, subject to the applicable limits and conditions. |
VS VS |
Active Fit Preferred 180 days |
| Outpatient Department Cover (OPD Expense) |
|---|
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. |
VS VS |
Active Fit Preferred Optional cover |
| Deductible Option |
|---|
Medi Classic Not specified in the retrieved source. |
VS VS |
Active Fit Preferred Not established as a standard inbuilt benefit |
| Coverage Options |
|---|
Medi Classic Sum Insured options of ₹5 Lakh, ₹7.5 Lakh, ₹10 Lakh and ₹15 Lakh. |
VS VS |
Active Fit Preferred Individual, multi-individual, family floater structure as applicable. |
| Claim Settlement Ratio |
|---|
Medi Classic Not specified in the retrieved source. |
VS VS |
Active Fit Preferred 97% |
| Maternity Cover |
|---|
Medi Classic Not specified in the retrieved source. |
VS VS |
Active Fit Preferred Yes, 40,000 normal/60,000 C-section. |
Insurance Plans Comparison
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Insurance Plans Comparison
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One policy covers the entire family
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Maternity Health Plan
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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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