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Insurance Plans Comparison

Aditya Birla Active Care Premier vs Niva Bupa Reassure

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

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Aditya Birla

Active Care Premier

Aditya Birla Activ Care Premiere

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

VS
Niva Bupa

Reassure

Niva Bupa ReAssure Plan No room rent cap, cover that refills from your first paid claim, and Loyalty Additions that can double your Base Sum Insured.

What Makes It Special:

Niva Bupa's ReAssure health insurance plan offers unlimited in-year reinstatement from the first paid claim, Loyalty Additions up to 100% of Base Sum Insured and no room rent capping.

Best For:

  • Customers who value preventive health benefits: Annual health check-ups are available from day one, alongside the Live Healthy renewal discount programme.

  • Long-term policyholders: Loyalty Additions can increase Base Sum Insured by up to 100%.

  • People who prefer room flexibility: The plan has no room rent capping, subject to the policy terms.

  • Buyers seeking flexible cover amounts: Sum Insured options range from ₹3 lakh to ₹1 crore.

  • Families looking for recurring cover: The ReAssure benefit reinstates cover from the first paid claim and can be used for subsequent claims throughout the policy year.

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Quick Decision Guide

  • 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

  • Road ambulance expenses are limited to ₹2,000 per hospitalisation.

  • Maternity expenses and OPD treatment are excluded.

  • Most robotic surgeries have a ₹1 lakh limit unless Modern Treatment+ is selected.

  • Listed conditions and procedures have a 24-month specific waiting period.

  • The pre-existing disease waiting period is 36 months.

  • Annual health check-ups are available from day one, with a potential renewal discount through Live Healthy.

  • Sum Insured options range from ₹3 lakh to ₹1 crore.

  • Loyalty Additions add 50% of Base SI each year, up to 100%.

  • Unlimited in-year reinstatement starts from the first paid claim.

  • No room rent capping, with ICU expenses covered up to Sum Insured.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Active Care Premier
Active Care Premier

Health Insurance Plan

VS
Reassure
Reassure

Health Insurance Plan

Room Rent

Active Care Premier

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

VS

Reassure

No room rent capping. Eligible inpatient room categories are covered subject to policy terms.

ICU Charges

Active Care Premier

Covered up to the Sum Insured.

VS

Reassure

Covered up to Sum Insured under inpatient care, with no separate ICU cap.

Co-payment

Active Care Premier

20% co-payment applies on admissible claims.

VS

Reassure

No co-payment under the base plan. The optional Tiered Network add-on offers a 15% premium discount and applies a 20% co-payment when treatment is taken at a non-tiered network hospital.

Disease-wise sublimits

Active Care Premier

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

VS

Reassure

No general disease-wise sublimits. Most robotic surgeries have a ₹1 lakh limit, with listed exceptions. Road ambulance is limited to ₹2,000 per hospitalisation, and air ambulance reimbursement is capped at ₹2.5 lakh.

Cashless Healthcare Providers

Active Care Premier

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

VS

Reassure

Cashless treatment is available at Niva Bupa network providers, subject to network participation and pre-authorisation. Niva Bupa has reported a company-wide network of 10,000+ hospitals.

Restoration Benefit

Active Care Premier

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

VS

Reassure

The ReAssure benefit provides unlimited reinstatement within the policy year, triggered from the first paid claim. It is available for subsequent claims for any illness and any insured member. Each claim under the benefit is limited to Base Sum Insured

Cumulative Bonus

Active Care Premier

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

VS

Reassure

Loyalty Additions add 50% of the previous year's Base Sum Insured at each policy anniversary, up to 100% of Base SI

Daycare Treatment

Active Care Premier

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

VS

Reassure

Eligible day-care treatment is covered up to Sum Insured. The policy wording specifies admission exceeding 2 hours and includes procedures such as angiography, dialysis, radiotherapy and chemotherapy for cancer.

Consumable Cover

Active Care Premier

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

VS

Reassure

Not covered in the base plan. Optional Safeguard covers List I non-payable items, while Safeguard+ covers Lists I to IV.

AYUSH Treatment

Active Care Premier

Covered for listed AYUSH treatments, subject to policy terms.

VS

Reassure

Eligible inpatient treatment under Ayurveda, Unani, Siddha and Homeopathy at an AYUSH hospital is covered up to Sum Insured. Yoga is not covered.

Initial Waiting Period

Active Care Premier

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

VS

Reassure

30 days for illnesses. Accidents are covered from day one.

Specific Waiting Period

Active Care Premier

2 years for listed specific illnesses and procedures.

VS

Reassure

24 months for listed conditions and procedures, subject to policy terms. This waiting period does not apply to accidents. Cancer is covered after the applicable 30-day initial waiting period.

PED Waiting Period

Active Care Premier

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

VS

Reassure

36 months of continuous coverage for declared pre-existing diseases, subject to policy terms.

Modern Treatment

Active Care Premier

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

VS

Reassure

Covered up to Sum Insured. Most robotic surgeries have a ₹1 lakh limit, except robotic radical prostatectomy, cardiac, partial nephrectomy and cancer surgeries. The optional Modern Treatment+ add-on removes the ₹1 lakh limit.

Annual Health Checkup

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.

VS

Reassure

Available from day one, once per policy year. Benefit value is ₹500 per ₹1 lakh of Sum Insured, up to ₹5,000 per insured individual or ₹10,000 per Family Floater policy. Cashless only.

Pre-Hospitalisation

Active Care Premier

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

VS

Reassure

Covered for up to 60 days, up to Sum Insured, on a reimbursement basis.

Post-Hospitalisation

Active Care Premier

Post-hospitalisation medical expenses covered for60 days following discharge.

VS

Reassure

Covered for up to 180 days, up to Sum Insured, on a reimbursement basis.

Outpatient Department Cover (OPD Expense)

Active Care Premier

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

VS

Reassure

OPD treatment is not covered under the base plan.

Deductible Option

Active Care Premier

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

VS

Reassure

No deductible option is listed in the base product benefit table.

Coverage Options

Active Care Premier

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

VS

Reassure

Base Sum Insured options are ₹3 lakh, ₹4 lakh, ₹5 lakh, ₹7.5 lakh, ₹10 lakh, ₹12.5 lakh, ₹15 lakh, ₹20 lakh, ₹25 lakh, ₹50 lakh, ₹75 lakh and ₹1 crore. Available on Individual or Family Floater basis, covering up to 2 adults and 4 children.

Claim Settlement Ratio

Active Care Premier

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

VS

Reassure

96.8% of claims settled by number in FY 2025-26 for the ReAssure product line, which includes ReAssure, ReAssure 2.0 and ReAssure 3.0 UINs in the insurer's disclosure. Company-level figure reported in the annual report: 94.4%.

Maternity Cover

Active Care Premier

Not available in this plan.

VS

Reassure

Maternity expenses are excluded under the base 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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