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Aditya Birla Activ One (NXT) vs Star Health Comprehensive
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Aditya Birla Activ One (NXT) with similar Health Insurances
Star Health Comprehensive with similar Health Insurances
Compare Aditya Birla Activ One (NXT) and Star Health Comprehensive
Claims Track Record:
Aditya Birla Activ One (NXT)
Aditya Birla Health Insurance Company Limited has a claim settlement ratio of 90.24% and claims incurred ratio of 72.71%. They have settled 98.61% of claims in less than 30 days. Further, 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 One (NXT)
Aditya Birla Health Insurance Company Limited offers customer service through their toll-free number and via Twitter. However, their Twitter response rate is quicker than their response rate over a toll-free number. So, if you have any questions or concerns, or require assistance, you might receive prompt assistance through Twitter.
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 One (NXT)
The Aditya Birla Activ One (NXT) covers hospitalisation expenses as well as pre and post hospitalisation expenses. Pre-hospitalisation expenses incurred for 90 days before hospitalisation and post-hospitalisation expenses incurred for 180 days after discharge are covered up to the sum insured. It also covers all day care treatments, domiciliary treatments and modern treatments up to the sum insured. Inpatient costs of the organ donor in case of organ transplantation are covered up to the sum insured as well. Do note that the donor’s pre and post-hospitalisation expenses will not be covered. The plan also covers non-medical expenses with no cap or limit when you opt for it as an add on.
Under Aditya Birla Activ One (NXT), there is no room rent limit or ICU rent limit. It also does not have any copayment or deductible limit. Further, there is no limit on common treatments/surgeries like cataract treatment, joint replacement surgery, etc. These are covered up to the sum insured. There is a waiting period of 48 months applicable for pre-existing diseases and a waiting period of 24 months for specific diseases.
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.