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Star Health Assure vs Aditya Birla Activ Health Platinum (Enhanced)
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Star Health Assure with similar Health Insurances
Aditya Birla Activ Health Platinum (Enhanced) with similar Health Insurances
Compare Star Health Assure and Aditya Birla Activ Health Platinum (Enhanced)
Claims Track Record:
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.
Aditya Birla Activ Health Platinum (Enhanced)
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've received higher complaints related to claims compared to other insurers.
Service Experience:
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.
Aditya Birla Activ Health Platinum (Enhanced)
Aditya Birla Health Insurance Company Limited offers customer service via their toll-free number and Twitter account. Based on our research, their Twitter response rate is quick and their toll-free response rate is average. So, we recommend contacting the company's Twitter handle for assistance in times of need.
Product Benefits:
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.
Aditya Birla Activ Health Platinum (Enhanced)
As part of the Aditya Birla Activ Health Platinum - Enhanced Plan, hospitalisation expenses and 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 - up to the sum insured. Additionally, the plan 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. Expenses associated with the consumables are covered up to the sum insured – if you opt for an add-on. The Aditya Birla Activ Health Platinum – Enhanced Plan gives you the freedom to choose any room as per your preference without imposing any limits if you opt for an add-on. Further, it has no ICU rent limit, copayment limit, deductible limit, or sub-limits on common treatments/surgeries like cataract treatment, joint replacement surgery, etc. The Aditya Birla Activ Health Platinum – Enhanced Plan has a waiting period of 36 months for pre-existing diseases, a waiting period of 24 months for specific diseases, and a waiting period of 48 months for genetic disorders.