Insurance Plans Comparison
Aditya Birla Activ One SAVR vs Star Health Gain
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
Health Gain
Flexible Health Insurance with Hospitalisation and OPD Benefits
What Makes It Special:
Inpatient Hospitalisation and Outpatient Medical Expenses
Best For:
Customers looking for daycare and eligible AYUSH treatment coverage.
Customers who use outpatient services at networked facilities.
Customers seeking flexible Sum Insured options.
Families looking for Individual or Family Floater coverage.
Individuals seeking inpatient and outpatient health insurance benefits.
Insurance Plans Comparison
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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 treatment-specific sublimits.
Review the pre- and post-hospitalisation benefit periods.
Check the selected OPD benefit limit.
Understand the waiting periods for pre-existing diseases and specified treatments.
Review the co-payment applicable to entry age 61 and above.
Check the room rent limit.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Activ One SAVR Health Insurance Plan VS VS |
![]() Health Gain Health Insurance Plan |
| Room Rent |
|---|
Activ One SAVR Covered up to base sum insured |
VS VS |
Health Gain
|
| ICU Charges |
|---|
Activ One SAVR Covered up to base sum insured. |
VS VS |
Health Gain Covered as part of eligible hospitalisation expenses. |
| Co-payment |
|---|
Activ One SAVR No zone-wise co-payment. |
VS VS |
Health Gain 20% for insured persons whose age at entry is 61 years and above. |
| Disease-wise sublimits |
|---|
Activ One SAVR No cap on major treatments. |
VS VS |
Health Gain Sublimits apply to specified treatments, including cataract and listed modern treatments. |
| Cashless Healthcare Providers |
|---|
Activ One SAVR 16,500 + current insurer network |
VS VS |
Health Gain Cashless treatment is available at eligible network hospitals, subject to pre-authorisation. |
| 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 |
Health Gain Not specified. |
| Cumulative Bonus |
|---|
Activ One SAVR Super credit structure is present. |
VS VS |
Health Gain Not specified. |
| Daycare Treatment |
|---|
Activ One SAVR Covered |
VS VS |
Health Gain Eligible daycare procedures are covered, subject to policy terms. |
| Consumable Cover |
|---|
Activ One SAVR Claim protect is present. |
VS VS |
Health Gain 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 |
Health Gain Eligible inpatient Ayurveda, Unani, Siddha and Homeopathy treatment is covered, subject to policy terms. |
| Initial Waiting Period |
|---|
Activ One SAVR 30 days |
VS VS |
Health Gain 30 days, except for covered accident-related claims. |
| Specific Waiting Period |
|---|
Activ One SAVR 24 months |
VS VS |
Health Gain 24 months for specified diseases and procedures. |
| PED Waiting Period |
|---|
Activ One SAVR 36 months |
VS VS |
Health Gain 36 months for pre-existing diseases. |
| Modern Treatment |
|---|
Activ One SAVR Covered up to base sum insured. |
VS VS |
Health Gain Specified modern treatments are covered, subject to policy limits. |
| Annual Health Checkup |
|---|
Activ One SAVR Once every policy year |
VS VS |
Health Gain Not specified. |
| Pre-Hospitalisation |
|---|
Activ One SAVR 90 days |
VS VS |
Health Gain Covered for up to 30 days before hospital admission. |
| Post-Hospitalisation |
|---|
Activ One SAVR 180 days |
VS VS |
Health Gain Covered for up to 60 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 |
Health Gain Available at networked facilities in India, up to the selected benefit limit. |
| Deductible Option |
|---|
Activ One SAVR Available |
VS VS |
Health Gain Not specified. |
| Coverage Options |
|---|
Activ One SAVR Available as individual and floater |
VS VS |
Health Gain Individual and Family Floater. |
| Claim Settlement Ratio |
|---|
Activ One SAVR 97% insurer level FY 2025-26 |
VS VS |
Health Gain Insurer-level metric, not a policy benefit. |
| Maternity Cover |
|---|
Activ One SAVR Not covered under standard policy structure. |
VS VS |
Health Gain Maternity expenses are excluded, except for the specified ectopic pregnancy exception. |
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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