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Insurance Plans Comparison

Niva Bupa Health Companion Family First Plan vs Aditya Birla Active Care Premier

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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Niva Bupa

Health Companion Family First Plan

Cover an extended family with a separate sum insured per person and a shared floater after that sum insured is used, and add 20% of each person's base sum insured each claim-free year up to 100%.

What Makes It Special:

Family First is a Health Companion variant. The prospectus describes an individual or family floater with a refill benefit, no-claim bonus, a 60-day pre and 180-day post-hospitalisation cover, and optional hospital cash and personal accident cover.

Best For:

  • Buyers who do not need maternity or OPD cover

  • Buyers who need hospitalisation, day care and AYUSH cover

  • Families with a parent covered alongside the insured

  • Buyers who want a no-claim bonus that builds to 100%

  • Families who want a floater with a refill benefit

VS
Aditya Birla

Active Care Premier

Get cover from age 55 in a single private room, with a 10% co-pay, a once-a-year reload of the full sum insured, and home treatment covered up to ₹50,000.

What Makes It Special:

Activ Care Premier is a senior citizen-focused health plan from Aditya Birla that upgrades classic senior cover with a Single Private Room, consumables coverage,and home care support, all with a shorter 2-year PED waiting period.

Best For:

  • Those looking for wellness-linked premium rewards

  • Buyers who prefer treatment at home through home care and domiciliary options

  • Those wanting a private room during hospitalisation

  • People managing chronic conditions like diabetes or hypertension

  • Senior citizens aged 46 to75 years

Insurance Plans Comparison

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Quick Decision Guide

  • Children are split off to their own policy after 26.

  • The 20% co-payment applies to higher room categories on Variant 2023, so choose your room carefully.

  • Refill applies once a year, so it is not unlimited cover.

  • Maternity is excluded, so choose another plan if you plan a pregnancy.

  • The 36-month PED wait applies, so buy early if anyone has an existing condition.

  • Check the 20% co-payment and disease-wise sub-limits carefully before purchase

  • May not suit buyers wanting in-built OPD coverage

  • Suitable for buyers who value home nursing and domiciliary care options

  • Useful for people who want consumables coverage in the base plan

  • Good option if you're a senior wanting private-room comfort with a 2-year PED waiting period

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Health Companion Family First Plan
Health Companion Family First Plan

Health Insurance Plan

Brochure

VS
Active Care Premier
Active Care Premier

Health Insurance Plan

Room Rent

Health Companion Family First Plan

  1. Normal: Covered up to sum insured
  2. ICU: Covered up to sum insured.
VS

Active Care Premier

Single Private Room. ICU charges covered up to the Sum Insured.

Advanced Treatments

Health Companion Family First Plan

  1. Robotic surgeries
  2. Stem cell therapy
  3. Oral chemotherapy
  4. Deep brain stimulation
  5. Bronchial thermoplasty
  6. Intraoperative neuro monitoring (IONM).
VS

Active Care Premier

Information Unavailable

ICU Charges

Health Companion Family First Plan

Covered up to the sum insured as part of in-patient care

VS

Active Care Premier

Covered up to the Sum Insured.

Co-payment

Health Companion Family First Plan

The policy does not mandate a co-payment, meaning the insurer covers the full admissible claim amount without requiring the insured to pay a portion.

VS

Active Care Premier

20% co-payment applies on admissible claims.

Disease-wise sublimits

Health Companion Family First Plan

No disease sublimit schedule in the prospectus. Sum insured limits apply to all covered treatment.

VS

Active Care Premier

Certain treatments carry sub-limits — including domiciliary hospitalisationcapped at10% of Sum Insured,and organ donor expenses up to50% of Sum Insured.

Cashless Healthcare Providers

Health Companion Family First Plan

Access to over 10,000 network hospitals and clinics for cashless treatments, ensuring convenient and hassle-free medical care.

VS

Active Care Premier

Cashless treatment available at 11,000+ network hospitals across India.

Restoration Benefit

Health Companion Family First Plan

Refill: restores up to the base sum insured once per policy year, for the same or a different illness, after the first paid claim

VS

Active Care Premier

100% of the Sum Insured is restored for subsequent hospitalisations due to a different illnessin the same policy year.

Daycare Treatment

Health Companion Family First Plan

Covers medical procedures that require less than 24-hour hospitalization, such as cataract surgery and chemotherapy, accommodating treatments that don't necessitate extended hospital stays.

VS

Active Care Premier

586 daycare procedures covered, even when hospitalisationis less than24 hours.

Cumulative Bonus

Health Companion Family First Plan

No claim bonus of 20% of the expiring base sum insured for each claim-free year, up to 100% of the base sum insured. A claim does not reduce the bonus.

VS

Active Care Premier

Earn 10% of Base Sum Insured per claim-free year, accumulating up to a maximum of 50%.

AYUSH Treatment

Health Companion Family First Plan

Expenses for alternative treatments, including Ayurveda, Yoga, Unani, Siddha, and Homeopathy, are covered when availed at government-recognized institutions, promoting holistic healthcare options.

VS

Active Care Premier

Covered for listed AYUSH treatments, subject to policy terms.

Consumable Cover

Health Companion Family First Plan

Medicines and consumables prescribed during treatment are covered. Items in Annexure II, such as toiletries, gloves and diapers, are not.

VS

Active Care Premier

Covered in the base plan, including non-medical consumables used during hospitalisation.

Initial Waiting Period

Health Companion Family First Plan

30 days, except accidents

VS

Active Care Premier

30 days from policy inception for general illnesses. Accidental hospitalisationis covered from day 1.

Specific Waiting Period

Health Companion Family First Plan

24 months for listed conditions

VS

Active Care Premier

2 years for listed specific illnesses and procedures.

PED Waiting Period

Health Companion Family First Plan

36 months.

VS

Active Care Premier

2 years for pre-existing diseases — a shorter-than-usual waiting period, helpful for seniors managing chronic conditions.

Modern Treatment

Health Companion Family First Plan

Covered up to the sum insured. Includes robotic surgery, stereotactic radiosurgery, deep brain stimulation, oral chemotherapy and other listed treatments.

VS

Active Care Premier

Covered for listed modern treatment methods, subject to the policy's list of covered procedures.

Annual Health Checkup

Health Companion Family First Plan

Once every policy year from day one, for defined tests. Up to ₹500 per ₹1 lakh of base sum insured. Individual: ₹5,000 maximum per insured. Floater: ₹10,000 per policy. Booked through the app, cashless only.

VS

Active Care Premier

Available as an add-on — the Advanced Health Check-up covers additional tests like mammography, PAP smear, thyroid function test, TMT, chest X-ray,and abdominal sonography on a cashless basis.

Pre-Hospitalisation

Health Companion Family First Plan

60 days before admission, up to the sum insured

VS

Active Care Premier

Pre-hospitalisation medical expenses covered for30 days prior to hospitalisation.

Post-Hospitalisation

Health Companion Family First Plan

180 days after discharge, up to the sum insured

VS

Active Care Premier

Post-hospitalisation medical expenses covered for60 days following discharge.

Outpatient Department Cover (OPD Expense)

Health Companion Family First Plan

Not covered. OPD treatment is an excluded expense.

VS

Active Care Premier

Not covered in the base plan. Tele-OPD e-consultationsare available as an add-on.

Deductible Option

Health Companion Family First Plan

Annual aggregate deductible of ₹10,000, ₹20,000, ₹30,000, ₹50,000, ₹1 lakh, ₹2 lakh, ₹3 lakh, ₹4 lakh, ₹5 lakh or ₹10 lakh. Does not apply to health checks, animal bite or hospital cash.

VS

Active Care Premier

Not a core feature of this variant — verify availability from the policy wordings.

Coverage Options

Health Companion Family First Plan

Individual or floater, with optional hospital cash, personal accident and deductible

VS

Active Care Premier

Sum Insured options from ₹3 lakh up to ₹10 lakh, designed for senior citizens.

Claim Settlement Ratio

Health Companion Family First Plan

Claim Settlement Ratio (CSR) of 93.3% as a three-year IRDAI weighted average, and 95.6% in recent quarterly company disclosures (Q1 FY 2026-27).

VS

Active Care Premier

Aditya Birla Health Insurance reports a 96% claim settlement ratio(3-year average.

Maternity Cover

Health Companion Family First Plan

Not covered. Maternity expenses are an excluded expense.

VS

Active Care Premier

Not available in this plan.

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Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

Family Health Plan

Family Health Plan

  • One policy covers the entire family

  • High sum insured with cashless care

  • Multiple coverage options based on your family needs

Maternity Health Plan

Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

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