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Aditya Birla Activ Health Platinum (Premier) vs Star Health Comprehensive
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Aditya Birla Activ Health Platinum (Premier) with similar Health Insurances
Star Health Comprehensive with similar Health Insurances
Compare Aditya Birla Activ Health Platinum (Premier) and Star Health Comprehensive
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 Comprehensive
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 Comprehensive
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 Comprehensive
As part of the Star Health Comprehensive 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 90 days after discharge, both up to the sum insured. Additionally, the plan covers all day care treatments, domiciliary treatments (except for 13 illnesses), and inpatient organ donor expenses up to the sum insured. Furthermore, modern treatments and consumables are covered up to the sum insured, if you opt for add-ons. The Star Health Comprehensive Plan comes with a room rent limit; you can choose any room except suites and above if you opt for an add-on. 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 the plan doesn’t impose any copay. The Star Health Comprehensive Plan comes with optional deductibles of Rs 25,000/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.