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Last updated on: May 20, 2025
The key pain points associated with choosing 1 crore health insurance in India for 2025 include justifying the high sum insured, understanding the layered policy structure, and ensuring inclusion of global and specialized treatment benefits. The featured 1 Crore Health Insurance in India effectively addresses these issues by offering all-inclusive coverage for high-cost treatments, international medical care, critical illnesses, and long-term hospitalization. It is ideal for HNIs, business owners, and families seeking top-tier medical protection without financial limits. The platform enhances user clarity with transparent breakdowns, AI-driven customization based on lifestyle and risk exposure, and expert guidance to ensure maximum return on investment and seamless claims experience.
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Read BioHealth insurance is a necessity of every Indian family, as medical expenses are increasing and health risks are unpredictable. There is a wide variety of companies to choose, but Aditya Birla Health Insurance and Star Health Insurance are two of the most trusted companies that Indians tend to compare. By 2025, there is greater awareness and also more confusion as to which insurer is more valuable, has a broader coverage and better benefits.
This comprehensive comparison will enable you to learn about the difference, similarities, the unique features, advantages and disadvantages of Aditya Birla Health Insurance and Star Health Insurance. You will get genuine information, professional advice, real-life examples and comparisons to make a wise decision.
Aditya Birla Health Insurance (ABHICL) is a rapidly growing health insurance provider in India, known for its wellness-focused features and wide network hospitals. It is a part of the Aditya Birla Group, and it has gained popularity because of its individual and family plans, top-up covers, chronic illness management, and wellness rewards.
Health and Allied Insurance Company Ltd is a standalone health insurer, one of the few in India specialising in health insurance. Health is renowned because of its extensive range of insurance plans, customer centric claim service, and an extensive network of hospitals that make it possible to provide cashless treatment in the entire country.
The comparison is applicable to any potential policyholder in 2025, as both companies provide policies to individuals, families, seniors, critical illness, and specialized needs.
| Aditya Birla Health Insurance | Star Health Insurance |
|---|---|
| Founded 2015 | Founded 2006 |
| Network Hospitals: 10,500+ | Network Hospitals: 14,000+ |
| Claim Settlement: 97.54% FY2024-25 | Claim Settlement: 99.06% FY2024-25 |
| Waiting Period (PED): 3 years | Waiting Period (PED): 3 years |
| Wellness Programs: Yes (HealthReturns) | Limited |
| Chronic Care Plans: Yes | Yes |
| No-Claim Bonus: Up to 50% per year | Up to 100% per year |
| Maternity Cover: Yes (select policies) | Yes (select policies) |
| Paperless Claims: Yes | Yes |
Aditya Birla Health Insurance provides policies covering hospitalization, critical illnesses, daycare, AYUSH (Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homeopathy), and wellness benefits. Its most popular plans such as Activ Health Platinum Enhanced 2025 include:
The greater network of hospitals and high claim settlement ratio is led by the Health Insurance. The Star Health Family Health Optima Plan is a highly popular one in 2025, due to:
Customer feedback: Customers in metro and non-metro cities have lauded Star Health Insurance because of its fast claim processing time, which can be less than two hours in case of cashless claims.
Aditya Birla is more favoured in wellness and fitness tracking and Star Health is more trusted in hassle-free claims and wide network.
Most online marketplaces now enable you to compare Aditya Birla and Star Health policies on a side-by-side basis in terms of premium, benefits, waiting periods and more, so you can make a transparent decision quickly, right at your phone or laptop.
| Metric | Aditya Birla Health Insurance | Star Health Insurance |
|---|---|---|
| Network Hospitals (2025) | 10,500+ | 14,000+ |
| Cashless Approvals (avg. time, 2025) | 2-4 hours | 1-2 hours |
| Claim Settlement (FY2024-25) | 97.54% | 99.06% |
| Wellness Programs based on Apps | Yes | No |
| Chronic Disease Day 1 Cover | Yes (select plans) | No |
| No-Claim Bonus (up to, 2025) | 50% | 100% |
| Digital Claims, Paperless | Yes | Yes |
| Coverage of Mental Illness | Yes | No |
Aditya Birla is a unique example of providing contemporary, technology-driven wellness amenities. It is perfect to young professionals, families who are interested in active lifestyles, and those who are interested in being rewarded by staying healthy. It is also popular among urban households due to chronic management and instant virtual care.
Health Insurance is usually the preferred option among seniors, families of large size, and those who need a huge network of hospitals and an easier process of paperwork. It also offers competitive base premiums and fast claim settlement guarantee.
Star Health Insurance has the greatest network presence, which makes it more accessible in smaller cities and semi-urban areas.
In late 2024, Rohan, a 35-year old IT manager in Pune, compared the two options. He has utilised an online comparison marketplace to compare premium, coverage, and rewards. Being on a fitness regime, he was impressed the most by the HealthReturns program of Aditya Birla Health Insurance.
He selected the Activ Health Enhanced plan by Aditya Birla, and he counted his steps using the app, which gave him credits monthly. He had a minor surgery in February 2025, and he made a paperless claim, which was settled in three days.
Meanwhile, his cousin Preeti (age 60) was already covered by Star Health Senior Citizens Red Carpet Plan. She liked the direct, agent-free settlement following a visit to the hospital, which occurred within one working day, even in a small Nagpur hospital.
Tech-savvy urban customers can find additional convenience in using an integrated wellness and claims app by Aditya Birla. Older people and individuals who are not fond of digital monitoring might find it easier to use Star Health with its old-school approach.
Which is the better provider of add-on covers to chronic diseases in 2025?
Aditya Birla is better recognized with chronic illness and mental health add-ons, but Star Health has good disease-specific policies.
| Company | Annual Premium (Rs) | Pre-existing Waiting Period | OPD Benefits |
|---|---|---|---|
| Aditya Birla | 14,200 | 3 years | Via HealthReturns |
| Health | 13,700 | 3 years | Not included |
Premiums are illustrative and may differ by city, age, and plan.
It has been found that 67 percent of health insurance purchasers in 2025 in metro cities would want plans that offer access to telemedicine and online wellness tracking.
Are there any special policies regarding women and children in 2025?
Both firms include maternity and newborn cover in their health plans, but they differ in waiting periods and sub-limits.
What is the claim settlement ratio of Aditya Birla and Star Health in 2025?
The claim settlement ratio of Aditya Birla is 97.54 percent and that of Star Health is approximately 99.06 percent in FY2024-25.
Is it easy to ‘port my health policy’?
Customers can transfer their existing health insurance between Aditya Birla and Star Health or vice versa as per the guidelines of IRDAI before the renewal of the policy.
Which insurer can I choose to have maximum coverage in India hospitals?
You should use Health Insurance because it has a broader network of hospitals, which is important to you.
Are both insurers pre-existing condition coverage?
Both have waiting periods and subsequently cover declared pre-existing illnesses.
How can I compare the two insurers in 2025?
Online financial comparison websites can be used to get current, impartial premium and benefits information across insurers.
How could we improve this article?
Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.
The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.
This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.
Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).
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