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Insurance Plans Comparison

Niva Bupa GoActive 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

GoActive

Cover doctor visits and hospital stays together, refill the base sum insured, and get 90 days of pre-hospitalisation cover plus 180 days after discharge.

What Makes It Special:

GoActive combines in-patient cover with OPD consultations, a personal health coach and an annual health check-up. It has a refill benefit, an optional sum insured escalator, and a renewal discount for buyers who start young.

Best For:

  • Buyers who do not need maternity cover

  • Buyers who want the sum insured to grow over time through I-Protect

  • Buyers who want a health coach and an annual check-up

  • Families who visit doctors often and want OPD reimbursement

  • Younger, active buyers who want the 10% early-age discount and a renewal discount for healthy habits

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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Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Quick Decision Guide

  • Zone 2 adds a 20% co-payment in four cities, so choose Zone 1 unless you know you will not be treated there.

  • The 1% room rent cap applies to the lower sum insured options, so pick ₹5 lakh or above if you want room choice.

  • The 36-month PED waiting period is long, so buy early if anyone has an existing condition.

  • Maternity is excluded, so choose another plan if you plan to start a family.

  • Check the OPD limit for your sum insured and number of adults, since the limit is shared across the family.

  • 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

GoActive
GoActive

Health Insurance Plan

VS
Active Care Premier
Active Care Premier

Health Insurance Plan

Room Rent

GoActive

Normal:

For Sum Insured below ₹5 Lakhs: 1% of Base Sum Insured per day

For Sum Insured ₹5 Lakhs and above: No room rent restriction (except Suite Room and above)

ICU:

For Sum Insured below ₹5 Lakhs: 2% of Base Sum Insured per day

For Sum Insured ₹5 Lakhs and above: Covered up to Sum Insured

VS

Active Care Premier

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

Advanced Treatments

GoActive

Covered up to Sum Insured

VS

Active Care Premier

Information Unavailable

ICU Charges

GoActive

Up to 2% of base sum insured per day for the ₹1 lakh to ₹4 lakh options. Covered up to the sum insured for ₹5 lakh and above. Confirm the split on the policy schedule.

VS

Active Care Premier

Covered up to the Sum Insured.

Co-payment

GoActive

No mandatory age-based co-payment mentioned

VS

Active Care Premier

20% co-payment applies on admissible claims.

Disease-wise sublimits

GoActive

No general disease sublimit in the prospectus. Robotic surgery has a ₹1 lakh sub-limit, and OPD, diagnostics and some optional covers have their own limits.

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

GoActive

4,200+ Network Hospitals

VS

Active Care Premier

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

Restoration Benefit

GoActive

Refill benefit: up to 100% of base sum insured in a policy year, for a different illness from one already claimed. It is available on a floater basis and does not carry forward. Maximum liability per claim after refill is the base sum insured plus any I-Protect amount.

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

GoActive

Covered up to Sum Insured

VS

Active Care Premier

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

Cumulative Bonus

GoActive

Not offered. The optional I-Protect adds 10% of base sum insured every renewal year.

VS

Active Care Premier

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

AYUSH Treatment

GoActive

Covered up to Sum Insured

VS

Active Care Premier

Covered for listed AYUSH treatments, subject to policy terms.

Consumable Cover

GoActive

Medicines, drugs, consumables, IV fluids, blood, injection charges and OT charges are covered within in-patient care. Items in Annexure A (for example baby food, belts, gloves, diapers and Vasofix) are not payable.

VS

Active Care Premier

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

Initial Waiting Period

GoActive

30 days from policy start. Waived after 12 months of continuous coverage. Accidents are covered from day 1.

VS

Active Care Premier

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

Specific Waiting Period

GoActive

24 months for listed conditions and procedures. Cancer is covered after 30 days.

VS

Active Care Premier

2 years for listed specific illnesses and procedures.

PED Waiting Period

GoActive

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

GoActive

Covered up to the sum insured, covering uterine artery embolisation, HIFU, deep brain stimulation, oral chemotherapy, immunotherapy, intravitreal injections, robotic surgery, stereotactic radiosurgery, and other listed treatments. Robotic surgeries have a ₹1 lakh sub-limit, except robotic prostatectomy for cancer, robotic cardiac surgery, robotic partial nephrectomy, and robotic surgery for malignancies.

VS

Active Care Premier

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

Annual Health Checkup

GoActive

Covered for insured persons aged 18 and over, booked through the Niva Bupa app or website. Not available on the ₹1 lakh and ₹2 lakh options. Unused check-ups do not carry forward.

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

GoActive

Up to 90 days before admission, within the sum insured

VS

Active Care Premier

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

Post-Hospitalisation

GoActive

Up to 180 days after discharge, within the sum insured

VS

Active Care Premier

Post-hospitalisation medical expenses covered for60 days following discharge.

Outpatient Department Cover (OPD Expense)

GoActive

Covered. Number of consultations per policy year depends on the sum insured and the number of adults. Reimbursement is up to ₹600 per consultation in Zone 1 and ₹500 in Zone 2. The limit is shared by all members.

VS

Active Care Premier

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

Deductible Option

GoActive

Optional annual aggregate deductible of ₹25,000, ₹50,000, ₹1 lakh, ₹2 lakh, ₹3 lakh, ₹5 lakh or ₹10 lakh. It does not apply to health check-ups, second opinions, OPD, behavioural assistance or personal accident.

VS

Active Care Premier

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

Coverage Options

GoActive

Information Unavailable

VS

Active Care Premier

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

Claim Settlement Ratio

GoActive

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

GoActive

Not offered. Maternity and related childbirth expenses are excluded.

VS

Active Care Premier

Not available in this plan.

Insurance Plans Comparison

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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

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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

Insurance Plans Comparison

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