Insurance Plans Comparison
Aditya Birla Activ One SAVR vs Star Family Health Optima
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreActiv One SAVR
Activ One SAVR
What Makes It Special:
Activ One is designed for those who want comprehensive coverage without restrictions. It offers extensive coverage for modern treatments and innovative features.
Best For:
- Not available
VS
Family Health Optima
Family Floater Health Insurance with Hospitalisation Benefits
What Makes It Special:
Family Health Insurance
Best For:
Customers comparing restoration and loyalty bonus benefits.
Families wanting eligible AYUSH treatment and preventive health check-ups.
Customers seeking pre- and post-hospitalisation benefits.
Families looking for hospitalisation and daycare coverage.
Families seeking health insurance under a single floater Sum Insured.
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
Not available
Check the policy limits for specific treatments and benefits.
Review pre- and post-hospitalisation coverage.
Check the restoration and loyalty bonus conditions.
Understand the 24-month specific disease waiting period and 36-month pre-existing disease waiting period.
Review the 30-day initial waiting period.
Check the shared accommodation benefit and applicable limits.
Review the 20% co-payment applicable to insured persons aged 61 and above at entry.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Activ One SAVR Health Insurance Plan VS VS |
![]() Family Health Optima Health Insurance Plan |
| Room Rent |
|---|
Activ One SAVR Covered up to base sum insured |
VS VS |
Family Health Optima
|
| ICU Charges |
|---|
Activ One SAVR Covered up to base sum insured. |
VS VS |
Family Health Optima Covered as part of eligible hospitalisation expenses, subject to policy terms. |
| Co-payment |
|---|
Activ One SAVR No zone-wise co-payment. |
VS VS |
Family Health Optima 20% of each claim for insured persons whose age at entry is 61 years or above. |
| Disease-wise sublimits |
|---|
Activ One SAVR No cap on major treatments. |
VS VS |
Family Health Optima Sublimits apply to specified benefits and treatments, subject to policy terms. |
| Cashless Healthcare Providers |
|---|
Activ One SAVR 16,500 + current insurer network |
VS VS |
Family Health Optima Cashless treatment is available at eligible network hospitals, subject to authorisation and policy conditions. |
| Restoration Benefit |
|---|
Activ One SAVR 100% base sum insured is reinstated instantly upon exhaustion, usable unlimited times per policy year for both same or different illnesses under super reload. |
VS VS |
Family Health Optima 100% of the Sum Insured is restored up to three times in a policy year, subject to policy conditions. |
| Cumulative Bonus |
|---|
Activ One SAVR Super credit structure is present. |
VS VS |
Family Health Optima Loyalty Bonus is available for eligible Sum Insured options, subject to renewal conditions and policy limits. |
| Daycare Treatment |
|---|
Activ One SAVR Covered |
VS VS |
Family Health Optima Eligible daycare procedures are covered, subject to policy terms. |
| Consumable Cover |
|---|
Activ One SAVR Claim protect is present. |
VS VS |
Family Health Optima Not specified. |
| AYUSH Treatment |
|---|
Activ One SAVR Full coverage for inpatient hospital admissions in recognised Ayurveda, Yoga, Unani, Siddha, and Homoeopathy medical facilities up to sum insured |
VS VS |
Family Health Optima Eligible inpatient Ayurveda, Unani, Siddha and Homeopathy treatment is covered up to the Sum Insured, subject to policy terms. |
| Initial Waiting Period |
|---|
Activ One SAVR 30 days |
VS VS |
Family Health Optima
|
| Specific Waiting Period |
|---|
Activ One SAVR 24 months |
VS VS |
Family Health Optima 24 months for specified diseases and procedures. |
| PED Waiting Period |
|---|
Activ One SAVR 36 months |
VS VS |
Family Health Optima 36 months for pre-existing diseases. |
| Modern Treatment |
|---|
Activ One SAVR Covered up to base sum insured. |
VS VS |
Family Health Optima
|
| Annual Health Checkup |
|---|
Activ One SAVR Once every policy year |
VS VS |
Family Health Optima Preventive health check-up at network providers, according to the applicable Sum Insured and package. |
| Pre-Hospitalisation |
|---|
Activ One SAVR 90 days |
VS VS |
Family Health Optima Covered for up to 60 days before hospital admission. |
| Post-Hospitalisation |
|---|
Activ One SAVR 180 days |
VS VS |
Family Health Optima Covered for up to 90 days after discharge. |
| Outpatient Department Cover (OPD Expense) |
|---|
Activ One SAVR Chronic care programme is present as an optional add-on, where outpatient doctor consultation, e-consults, and diagnostic tests specifically for managed conditions are present |
VS VS |
Family Health Optima Not specified. |
| Deductible Option |
|---|
Activ One SAVR Available |
VS VS |
Family Health Optima Not specified. |
| Coverage Options |
|---|
Activ One SAVR Available as individual and floater |
VS VS |
Family Health Optima Family Floater. |
| Claim Settlement Ratio |
|---|
Activ One SAVR 97% insurer level FY 2025-26 |
VS VS |
Family Health Optima Insurer-level metric, not a policy benefit. |
| Maternity Cover |
|---|
Activ One SAVR Not covered under standard policy structure. |
VS VS |
Family Health Optima Not specified. |
Insurance Plans Comparison
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Why Choose Our Expert Consultation?
What Our Experts Help You With
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Insurance Plans Comparison
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Frequently Asked Questions (FAQs)
Having questions? We've got answers. Explore our FAQs to find the information you need.
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