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Activ Health Platinum Enhanced vs Star Health Assure Insurance Policy

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Specifications side by side

Spec
Activ Health Platinum Enhanced
Star Health Assure Insurance Policy
Cover
Plan type
Individual and family floater
Individual and family floater
Sum insured options
2 lakh, 3 lakh, 4 lakh, 5 lakh, 6 lakh, 7 lakh, 8 lakh, 9 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 30 lakh, 40 lakh, 50 lakh, 1 crore, 150 lakh, 2 crore
5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 50 lakh, 75 lakh, 1 crore, 2 crore
Highest sum insured
200 lakh
200 lakh
Entry age
From 18 years (adult); 91 days (dependent child, floater); 5 years (individual policy) (no maximum stated)
91 days (individual); 18 years adults / 16 days dependent children (floater) to 75 years
Room rent
SI Rs 4 lakh and above: options Shared Room / Single Private A/C Room / Any Room; SI up to Rs 3 lakh: Shared Room / Single Private A/C Room
SI Rs 5/7.5 lakh: up to 1% of SI per day; SI Rs 10-25 lakh: any room (except suite or above category); SI Rs 50 lakh and above: any room
Co-payment
Zone co-payment (10%-25%) for treatment in a higher zone only for SI Rs 3 lakh and below; not applicable for Rs 4 lakh and above
10% of each and every claim for Insured Persons whose age at entry is 61 years and above
Waiting periods
Initial waiting period
30 days
30 days
Pre-existing disease waiting
36 months
36 months
Specific illness waiting
24 months
24 months
Benefits
Pre-hospitalisation
60 days
60 days
Post-hospitalisation
180 days
180 days
Day-care treatment
Yes
Yes
AYUSH treatment
Yes
Yes
Restore benefit
Reload of Sum Insured up to 100% of Sum Insured for an unrelated illness in the same policy year
Sum Insured restored unlimited number of times, up to 100% each time, for a subsequent hospitalization
No-claim bonus
Cumulative Bonus 50% increase per claim-free year, max up to 100% (up to maximum of Rs 1 Cr)
Cumulative bonus 25% of Sum Insured for each claim free year, maximum up to 100% of the Sum Insured
Maternity
Optional cover only
Covered after 24 months waiting period, up to 10% of Sum Insured (max 2 deliveries in lifetime; self and spouse both covered)
OPD
Rs 1,000 OPD cover for SI Rs 15 lakh and above; Chronic Management Program (OPD) for listed chronic illnesses
Not covered (unlimited tele-consultation only)
Premium
Sample annual premium
—
₹10,396
Sample premium is for
—
Individual, age band 18-35, Sum Insured Rs 10,00,000, 1-year policy, Zone A, excluding GST
Insurer
Health incurred claim ratio (insurer)
71.5%
70.3%
Claims figures for
FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
Network hospitals (insurer)
—
16,000+
IRDAI UIN
ADIHLIP24102V052324
SHAHLIP26048V032526

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Pros and cons

Activ Health Platinum Enhanced

  • Pro: No room-rent cap

Star Health Assure Insurance Policy

  • Pro: No room-rent cap
  • Con: Co-payment: 10% of each and every claim for Insured Persons whose age at entry is 61 years and above
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