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Aditya Birla Activ Health Platinum (Premier) vs Star Health Assure
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Aditya Birla Activ Health Platinum (Premier) vs Star Health Assure
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Aditya Birla Activ Health Platinum (Premier) with similar Health Insurances
Star Health Assure with similar Health Insurances
Compare Aditya Birla Activ Health Platinum (Premier) and Star Health Assure
Claims Track Record:
Aditya Birla Activ Health Platinum (Premier)
Aditya Birla Health Insurance Company Limited has a claim settlement ratio of 90.24% and claims incurred ratio of 72.71%. It has also settled 98.61% of claims in less than 30 days. They have received a higher number of claim complaints compared to other insurers.
Star Health Assure
Star Health and Allied Insurance Company Limited has a claim settlement ratio of 61.98% and claims incurred ratio of 65.41%. It has settled 95.22% of claims in less than 30 days. The company has received higher complaints related to claims as compared to other insurers.
Service Experience:
Aditya Birla Activ Health Platinum (Premier)
Aditya Birla Health Insurance Company Limited facilitates customer service via their toll-free number and Twitter channel. As per our research their Twitter response rate is quick and their toll-free response rate is average. You might get quicker help through Twitter if you have any questions or concerns.
Star Health Assure
Star Health and Allied Insurance Company Limited offers customer service via its toll-free number and Twitter account. Based on our research, the Twitter response rate is slow, and the toll-free response rate is average, making it the better choice.
Product Benefits:
Aditya Birla Activ Health Platinum (Premier)
The Aditya Birla Activ Health Platinum – Premier Plan provides coverage for hospitalisation expenses as well as pre and post hospitalisation expenses. Pre-hospitalisation expenses are covered for 60 days before hospitalisation and post-hospitalisation expenses are covered for 180 days after discharge, both up to the sum insured. The insurer also covers 586 day care treatments, domiciliary treatments (except 9 illnesses), organ donor expenses related to harvesting the organ, and modern treatments up to the sum insured. The plan also covers the cost of consumables up to the sum insured – if opted for as an add-on. Aditya Birla Activ Health Platinum – Premier Plan lets you choose any room type without imposing any limit. And, there is no ICU rent limit and copayment or deductible limit. Moreover, the insurer doesn’t place a cap on common treatments/surgeries like cataract treatment, joint replacement surgery, etc. Please note that Aditya Birla Activ Health Platinum – Premier Plan has a waiting period of 36 months for pre-existing diseases and a waiting period of 24 months for specific diseases and 48 months for genetic disorders.
Star Health Assure
As part of the Star Health Assure Plan, hospitalisation expenses as well as pre and post-hospitalisation expenses are covered. Pre-hospitalisation expenses are covered for 60 days before hospitalisation and post-hospitalisation expenses are covered for 180 days after discharge, both up to the sum insured. Additionally, the plan covers all day care treatments, domiciliary treatments (except for 14 illnesses), inpatient organ donor expenses, and modern treatments up to the sum insured. Furthermore, consumables are covered up to the sum insured as well. The Star Health Assure Plan comes with a room rent limit; you can choose any room except suites and above. But the good news is that it doesn’t levy any ICU rent limits. Common treatments/surgeries like cataract treatments, joint replacement surgeries, etc. don’t come with any sub-limits and are covered up to the sum insured. The Star Health Assure Plan also imposes a copay of 10% if your age at the time of entry is 61 years or above and comes with optional deductibles of Rs 50,000/Rs 1,00,000. The plan has a waiting period of 36 months for pre-existing diseases and a waiting period of 24 months for specific diseases.