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Insurance Plans Comparison

Aditya Birla Active Fit Preferred vs Star Cardiac Care Platinum

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 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

VS
Star

Cardiac Care Platinum

Health cover for heart patients with cardiac cover from day 31, plus non-cardiac, OPD and health check-up benefits.

What Makes It Special:

A specialised health plan for people who have already had heart treatment, including cardiac surgery or a procedure. It covers heart-related hospitalisation after 30 days, as well as non-cardiac illness and accident cover, OPD expenses and an annual health check-up.

Best For:

  • Patients who may need cardiac devices such as pacemakers or AICD.

  • People who want heart and non-heart hospitalisation in one plan.

  • People wanting cardiac cover after a 30-day waiting period.

  • Heart patients who find it hard to get a regular health policy.

  • People aged 7 to 70 who have had cardiac surgery or a procedure, such as angioplasty or bypass.

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

  • 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.

  • Things to Consider: Maternity is not covered, and the premium is higher than a standard health plan.

  • Things to Consider: Sublimits apply to cataract, cardiac devices, angiogram, rehabilitation and modern treatments.

  • Things to Consider: Restoration does not apply to cardiac claims or modern treatments.

  • Things to Consider: Sum Insured is capped at ₹15 lakh.

  • Things to Consider: Non-cardiac pre-existing diseases have a 36-month waiting period.

  • Reasons to Consider: Cardiac devices up to 50% of SI, heart transplantation and coronary angiogram are specifically covered.

  • Reasons to Consider: OPD expenses and an annual health check-up are paid in addition to the Sum Insured.

  • Reasons to Consider: Hospitalisation includes a single private AC room.

  • Reasons to Consider: No pre-policy medical tests are required, but past medical records must be submitted.

  • Reasons to Consider: Cardiac ailments, including pre-existing heart conditions, are covered after only 30 days.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Active Fit Preferred
Active Fit Preferred

Health Insurance Plan

VS
Cardiac Care Platinum
Cardiac Care Platinum

Health Insurance Plan

Brochure

Room Rent

Active Fit Preferred

Any room for sum insured 5 lakh and above.

VS

Cardiac Care Platinum

Single Private A/C Room; proportionate deduction applies for a higher room category, except where the hospital does not use differential billing.

ICU Charges

Active Fit Preferred

No capping, covered up to sum insured.

VS

Cardiac Care Platinum

Covered as part of hospitalisation expenses up to Sum Insured in Sections 1 and 2; no separate ICU cap stated.

Co-payment

Active Fit Preferred

No.

VS

Cardiac Care Platinum

No co-payment clause found in the policy documents.

Disease-wise sublimits

Active Fit Preferred

No broad disease sublimit identified; subject to policy terms.

VS

Cardiac Care Platinum

Cataract: ₹30,000 per eye (maximum ₹40,000 per year) for SI ₹5L; ₹40,000 per eye (maximum ₹60,000 per year) for higher SI. Cardiac devices up to 50% of SI; conventional coronary angiogram ₹20,000 for SI up to ₹7.5L or ₹25,000 above; rehabilitation and pain management up to 10% of SI; modern treatment sublimits apply; coronary stents are subject to DPCO/NPPA caps.

Cashless Healthcare Providers

Active Fit Preferred

16,500 + current insurer network

VS

Cardiac Care Platinum

Cashless treatment is available at Star Health network hospitals for Sections 1 and 2. Reimbursement is available at non-network hospitals; network hospital count requires verification.

Restoration Benefit

Active Fit Preferred

Binge refill - 100% sum insured, unlimited times

VS

Cardiac Care Platinum

Automatic restoration of 100% of Basic Sum Insured once per policy period under Section 1 only, for unrelated illness; not available for cardiac ailments or modern treatments.

Cumulative Bonus

Active Fit Preferred

10% per year, up to 100%

VS

Cardiac Care Platinum

10% of the Basic Sum Insured for each claim-free year, up to 100%; not applicable to Section 3 OPD.

Daycare Treatment

Active Fit Preferred

All day care treatments covered up to sum insured.

VS

Cardiac Care Platinum

All Day care procedures are covered.

Consumable Cover

Active Fit Preferred

Optional/subject to applicable cover

VS

Cardiac Care Platinum

Not mentioned as a separate benefit in the policy documents.

AYUSH Treatment

Active Fit Preferred

Covered up to sum insured

VS

Cardiac Care Platinum

In-patient AYUSH treatment is covered up to the Sum Insured under Sections 1 and 2. Yoga and Naturopathy require prior approval.

Initial Waiting Period

Active Fit Preferred

30 days

VS

Cardiac Care Platinum

30 days for illness under Section 1; accidents are covered from day 1. Section 2 cardiac cover also has a 30-day waiting period.

Specific Waiting Period

Active Fit Preferred

24 months

VS

Cardiac Care Platinum

24 months for listed diseases and procedures in Section 1; 24 months for heart transplantation.

PED Waiting Period

Active Fit Preferred

48 months

VS

Cardiac Care Platinum

36 months for non-cardiac pre-existing diseases in Section 1; 30 days for cardiac pre-existing diseases in Section 2.

Modern Treatment

Active Fit Preferred

Covered up to sum insured.

VS

Cardiac Care Platinum

Covered under Sections 1 and 2, subject to treatment-wise sublimits by Sum Insured. Examples: robotic surgery ₹2.5L–₹4L; oral chemotherapy ₹1.25L–₹2.5L; immunotherapy ₹2.5L–₹5L. Bronchial thermoplasty, prostate vaporisation and IONM are covered up to the Sum Insured. These benefits are part of the Sum Insured.

Annual Health Checkup

Active Fit Preferred

Once every policy year

VS

Cardiac Care Platinum

Covered every policy year irrespective of claims at network facilities: ₹2,000 for SI ₹5L and ₹7.5L, ₹3,000 for ₹10L, and ₹4,000 for ₹15L; in addition to the Sum Insured.

Pre-Hospitalisation

Active Fit Preferred

90 days

VS

Cardiac Care Platinum

Up to 30 days before admission.

Post-Hospitalisation

Active Fit Preferred

180 days

VS

Cardiac Care Platinum

Up to 60 days after discharge.

Outpatient Department Cover (OPD Expense)

Active Fit Preferred

Optional cover

VS

Cardiac Care Platinum

Covered at network facilities, including vaccination, on a reimbursement basis: ₹2,500 / ₹3,000 / ₹3,500 / ₹5,000 per policy period for SI ₹5L / ₹7.5L / ₹10L / ₹15L. In addition to the Sum Insured. Cardiac treatment is payable under Section 2, not under OPD.

Deductible Option

Active Fit Preferred

Not established as a standard inbuilt benefit

VS

Cardiac Care Platinum

Not available or mentioned in the policy documents.

Coverage Options

Active Fit Preferred

Individual, multi-individual, family floater structure as applicable.

VS

Cardiac Care Platinum

Sum Insured ₹5L, ₹7.5L, ₹10L, or ₹15L. Entry age 7–70 years with a past cardiac ailment treated by surgical intervention or procedure. Policy term 1, 2, or 3 years; lifelong renewal.

Claim Settlement Ratio

Active Fit Preferred

97%

VS

Cardiac Care Platinum

92.16% of claims settled by number in FY 2025–26.

Maternity Cover

Active Fit Preferred

Yes, 40,000 normal/60,000 C-section.

VS

Cardiac Care Platinum

Not covered; maternity is excluded under Code Excl 18.

Insurance Plans Comparison

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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

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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

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Active Fit Preferred Vs Cardiac Care Platinum

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