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Insurance Plans Comparison

Aditya Birla Activ One Vytl vs Star Diabetes Safe Plan A

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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Aditya Birla

Activ One Vytl

Health Insurance with Day 1 Chronic Disease Cover and Chronic Management Program

What Makes It Special:

Aditya Birla Activ One VYTL is a tailored health insurance plan designed for Vitality customers seeking all-round protection and wellness rewards. It offers extensive hospitalization cover, day care treatments, health returns, and chronic management benefits. With features like wellness coaching, annual health check-ups, and optional covers such as maternity and...

Best For:

  • Wellness-Focused Health Insurance

  • Chronic Care Management Plan

  • Rewards for Healthy Lifestyle

  • Customizable with Optional Covers

VS
Star

Diabetes Safe Plan A

Health Insurance Designed for People with Type I or Type II Diabetes

What Makes It Special:

Diabetes-Focused Health Insurance

Best For:

  • Eligible couples considering individual or floater coverage.

  • Customers who want outpatient benefits at network hospitals and diagnostic centres.

  • Individuals looking for hospitalisation cover for other illnesses and accidental injuries.

  • Customers seeking cover for eligible diabetes complications.

  • Individuals aged 18 to 65 years with Type I or Type II Diabetes Mellitus.

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

Aditya Birla Activ One Vytl

  • Seeking health cover with wellness rewards

  • Want chronic illness management support

  • Prefer personalized health coaching benefits

  • Looking to earn HealthReturns regularly

  • Need flexibility with optional add-ons

Star Diabetes Safe Plan A

  • Understand the restoration benefit and its individual-policy restriction.

  • Review the room category and pre- and post-hospitalisation limits.

  • Check cataract and modern treatment sublimits.

  • Review the Sum Insured and outpatient benefit limits.

  • Check the waiting period for diabetes complications under Plan B.

  • Understand the medical screening requirement under Plan A.

  • Compare Plan A and Plan B.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Activ One Vytl
Activ One Vytl

Health Insurance Plan

Brochure

Policy Wording

VS
Diabetes Safe Plan A
Diabetes Safe Plan A

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Activ One Vytl

All room categories are covered

VS

Diabetes Safe Plan A

  1. Single standard air-conditioned room, subject to policy terms and applicable limits.
ICU Charges

Activ One Vytl

No restriction on ICU room rent

VS

Diabetes Safe Plan A

Covered as part of eligible hospitalisation expenses, subject to policy terms.

Disease-wise sublimits

Activ One Vytl

No

VS

Diabetes Safe Plan A

Sublimits apply to specified treatments, including cataract and certain modern treatments. Plan B also has limits for specified cardiovascular complications.

Co-payment

Activ One Vytl

Available as an option

VS

Diabetes Safe Plan A

Not specified.

Restoration Benefit

Activ One Vytl

Yes, your sum insured restores to 100% unlimited times after your second claim, for both related and unrelated illnesses

VS

Diabetes Safe Plan A

100% of the basic Sum Insured is restored once during the policy period for eligible Section 2 claims on individual policies. This benefit is not available on floater policies.

Cashless Healthcare Providers

Activ One Vytl

11000+ Healthcare Providers

VS

Diabetes Safe Plan A

Cashless treatment is available at eligible network hospitals, subject to authorisation and policy conditions.

Daycare Treatment

Activ One Vytl

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

VS

Diabetes Safe Plan A

Eligible daycare procedures are covered, subject to policy terms.

Cumulative Bonus

Activ One Vytl

Your sum insured increases by 50% every year up to 100%, maximum 3cr

VS

Diabetes Safe Plan A

Not specified.

Consumable Cover

Activ One Vytl

Yes 

VS

Diabetes Safe Plan A

Not specified.

AYUSH Treatment

Activ One Vytl

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

VS

Diabetes Safe Plan A

Eligible inpatient Ayurveda, Unani, Siddha and Homeopathy treatment is covered up to the Sum Insured, subject to policy terms. Yoga and Naturopathy require prior approval.

Initial Waiting Period

Activ One Vytl

30 days

VS

Diabetes Safe Plan A

  1. 30 days for applicable illnesses, except covered accidents. The waiting period applies according to the selected plan and policy section.
Specific Waiting Period

Activ One Vytl

2 years

VS

Diabetes Safe Plan A

24 months for specified diseases and procedures under applicable sections. A 12-month waiting period applies to specified diabetes complications under Plan B.

PED Waiting Period

Activ One Vytl

3 years

VS

Diabetes Safe Plan A

36 months for pre-existing diseases under applicable sections.

Modern Treatment

Activ One Vytl

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

VS

Diabetes Safe Plan A

  1. Specified modern treatments are covered, subject to treatment-specific limits.
Annual Health Checkup

Activ One Vytl

Health check-up is available from the first policy year

VS

Diabetes Safe Plan A

Not specified.

Pre-Hospitalisation

Activ One Vytl

You get cover for medical tests and doctor visits up to 90 days before hospitalisation, if your main claim is approved

VS

Diabetes Safe Plan A

Up to 30 days before hospital admission.

Post-Hospitalisation

Activ One Vytl

You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it

VS

Diabetes Safe Plan A

Up to 60 days after discharge, limited to 7% of eligible hospitalisation expenses and a maximum of ₹5,000 per hospitalisation.

Outpatient Department Cover (OPD Expense)

Activ One Vytl

OPD expense is not included

VS

Diabetes Safe Plan A

Covered at network hospitals and diagnostic centres. Limits vary by plan, Sum Insured and individual or floater basis.

Deductible Option

Activ One Vytl

Available as an option

VS

Diabetes Safe Plan A

Not specified.

Coverage Options

Activ One Vytl

Available coverage options: ₹5L, ₹7L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr and ₹2 Cr

VS

Diabetes Safe Plan A

Individual and Family Floater for self and spouse.

Claim Settlement Ratio

Activ One Vytl

96%

VS

Diabetes Safe Plan A

Insurer-level metric, not a policy benefit.

Maternity Cover

Activ One Vytl

Not available

VS

Diabetes Safe Plan A

Not covered, except ectopic pregnancy as specified in the policy.

Insurance Plans Comparison

Still Confused? Get Expert Advice

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Why Choose Our Expert Consultation?

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From choosing the right policy to managing claims, every step is handled for you

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Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

Talk to experienced advisors at no cost, and make confident decisions

24/7 Claim Assistance

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

Expert-Led Policy Review

  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

Smart, Tech-Enabled Experience

  • From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free

Insurance Plans Comparison

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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

Frequently Asked Questions (FAQs)

Having questions? We've got answers. Explore our FAQs to find the information you need.

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