Activ Health - Platinum Essential vs Young Star Silver Health Insurance Plan
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Activ Health - Platinum Essential vs Young Star Silver Health Insurance Plan 2024

Activ Health - Platinum Essential Plan and Young Star Silver Plan both come with a plethora of insurance solutions and a vast product portfolio. Both companies are well known for their all-inclusive plans that cover individuals as well as their families. The network hospitals under the umbrella of Activ Health - Platinum Essential Plan are 14000+ Number Of Network Hospitals whereas Young Star Silver Plan has 20800+ Number Of Network Hospitals of them. The companies provide benefits such as hospitalization, accidental care, daycare procedures, critical illness and senior citizen coverage, along with affordable premiums and high sum insured new age insurance plans.

PLAN DETAILS  Aditya Birla Health Insurance Company Limited

Activ Health - Platinum Essential

 Star Health And Allied Insurance Company Limited

Young Star Silver

Premium Including GST
Sum Assured 5L, 6L, 7L, 8L, 9L, 10L, 15L, 20L, 25L, 30L, 40L, 50L, 1Cr, 1.5Cr & 2Cr 3L, 4L, 5L, 10L, 15L, 20L & 25L
Product Type Reimbursement Hospitalization and Cashless Reimbursement Hospitalization and Cashless
Key Features
(Key features of the plan)
Health Return upto 50%
Covers Mental illness
Obesity Treatment
Chronic Management
Covers PED and Slow Growing diseases just after 1 year
Offers Early Bird discount - If this policy is availed before the age of 36 years
Additional Basic Sum Insured for Road Traffic Accident - SI shall be increased by 25% subject to a maximum of INR 10 Lacs
Automatic Restoration upto 100% of SI
E-Medical Opinion
OPD Details
(In some policies, OPD (Out patient department) expenses are also covered.)
Available for chronic plans only Not Available
EMI Option no no
Pre-acceptance Medical Check Up
(Whether a pre-acceptance check up is required or not to buy the policy)
Required Not Applicable
Room Rent
(A limit of room rent cover during hospitalization if any)
Single Private Ac Room Single private A/c room
Domicillary Hospitalization
(It is the expenses incurred on treatment of the patient at home)
Covered up to 10L Not Available
Pre-hospitalization
(Expenses before the insured is hospitalized)
30 Days 60 Days
Post-hospitalization
(Expenses after discharge from the hospital)
60 Days 90 Days
Non-allopathic
(Expenses incurred on non-allopathic treatment)
Upto 10L Not Covered
Day Care Treatment Covered
(Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.)
Upto 10L All day care treatment covered
Hospital_network
(Number of Hospital Network in city)
Organ Donor Expenses
(Expenses incurred on organ donor in case of organ transplants)
Not Available Not Applicable
Hospital Daily Allowance
(Some plans offer daily allowance to take care of expenses like food, etc)
Optional (Rs. 500 to Rs. 5000 in multiples of Rs. 500) Not Available
Pre-existing Coverage
(If the insured is having some existing diseases, that would be covered after particular time period)
After 4 Years After 1 year
Cumulative Bonus
(The amount by which your sum assured gets increased, if there is no claim.)
Rs 1L per year upto Rs 10L Rs 2L of the Sum Insured upto Rs 10L
Restoration Details
(Increase of Sum Insured for non-related illness if the original sum insured is exhausted)
Not Applicable Upto Rs 10L on partial and full exhortation
Ambulance Charges
(Expenses incurred on ambulance charges)
No limits in network (Else up to Rs 3K/event) Upto 10L
Worldwide Emergency
(The emergency medical assistance and cover against medical expenses while the customer is abroad)
Not Available NA
Maternity Benefits
(All Hospitalization cost covered at the time of pregnancy.)
Not Applicable Not Covered
New Born Baby Covered
(Newborn babies can be covered under the insurance plan after a certain period)
No No
Health Checkup
(An added benefit of one time full health checkup of policy holder.)
Every year irrespective of claim Available every year irrespective of the claim
Non-allopathic Details
(Expenses incurred on non-allopathic treatment)
no no
Vaccination
(Cover againts any medical expenses occurred in Vaccinations for certain diseases)
Yes No
Animal Bite
(Cover againts any medical expenses occurred due to any Animal Bite)
Not Applicable Not Applicable
Sub Limit
(Sub-limit is a monetary capping that applies on specific diseases like cataract)
Not Applicable Not Applicable
Co-pay
(Mentioned %, if any is to be borne by Insured and rest will be borne by insurer)
You pay 20% of claim No Co-Pay

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Naval Goel

Reviewed By: Naval Goel

Naval Goel is the CEO & founder of PolicyX.com. Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of PolicyX.com Insurance Web Aggregator.