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Aditya Birla Activ One (SAVR) + Key Add-ons vs Star Health Family Health Optima
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No room rent limit
The plan offers an option to cover listed chronic conditions from Day 1 and includes external medical aids like ventilators and wheelchairs. It covers live-in partners of any gender and also pays for non-medical hospital costs such as gloves and oxygen masks.
No restrictions on hospital room you can choose
Chronic conditions like asthma, BP, etc. covered from day 1
External medical aid expenses like ventilator, wheelchair etc. covered
ILM Ratings
Any room except Suite or above
This plan is affordable in comparison to other products available in the market. While it does cover various expenses such as those related to assisted reproductive treatments, newborn babies from day 16, it's important to note that it doesn't provide comprehensive coverage. Moreover, it imposes sub-limits on common treatments like cataracts, potentially leading to significant out-of-pocket expenses. On the positive side, it provides multiple options to get premium discounts, enhancing its cost-effectiveness. However, it does not offer the option for monthly premium payments. Additionally, based on our research, the insurer has received a higher number of claim settlement and policy purchase complaints. This implies that the insurer has a poor track record with respect to both purchase and claims service.
Non-medical costs covered - gloves, oxygen masks, etc.
Bonus added every year, even if you claim
Repatriation of mortal remains costs covered
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