Insurance Plans Comparison
Aditya Birla Activ Health Platinum Essential vs Aditya Birla Active Fit Preferred
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
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Activ Health Platinum Essential
Activ Health Platinum Essential
What Makes It Special:
Activ Health Platinum Essential combines hospitalization protection with wellness and chronic-care features, including Day 1 coverage for specified chronic conditions under the applicable product terms.
Best For:
Customers wanting health assessment support
Buyers looking for wellness benefits
People with listed lifestyle conditions
Customers looking for an affordable, comprehensive plan
VS
Active Fit Preferred
Activ Fit Preferred
What Makes It Special:
Activ Fit Preferred combines hospitalization coverage with fitness rewards and maternity protection. It includes unlimited Binge Refill, HealthReturns and a maternity benefit over and above the base Sum Insured.
Best For:
Buyers wanting unlimited refill protection
Customers interested in fitness-linked rewards
Buyers planning for maternity
Younger families
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
Customers wanting health assessment support
Buyers looking for wellness benefits
People with listed lifestyle conditions
Customers looking for an affordable comprehensive plan
OPD consultation requires the relevant optional cover.
Health returns depend on wellness activity and applicable policy conditions.
The maternity waiting period should be considered before purchase.
Maternity benefits are a key differentiator of this variant.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Activ Health Platinum Essential Health Insurance Plan VS VS |
Active Fit Preferred Health Insurance Plan |
| Room Rent |
|---|
Activ Health Platinum Essential Any room. |
VS VS |
Active Fit Preferred Any room for sum insured 5 lakh and above. |
| ICU Charges |
|---|
Activ Health Platinum Essential Covered |
VS VS |
Active Fit Preferred No capping, covered up to sum insured. |
| Co-payment |
|---|
Activ Health Platinum Essential 20% mandatory unless applicable waiver is selected. |
VS VS |
Active Fit Preferred No. |
| Disease-wise sublimits |
|---|
Activ Health Platinum Essential Applicable. |
VS VS |
Active Fit Preferred No broad disease sublimit identified; subject to policy terms. |
| Cashless Healthcare Providers |
|---|
Activ Health Platinum Essential 16,500 + current insurer network |
VS VS |
Active Fit Preferred 16,500 + current insurer network |
| Restoration Benefit |
|---|
Activ Health Platinum Essential Available as add-on. |
VS VS |
Active Fit Preferred Binge refill - 100% sum insured, unlimited times |
| Cumulative Bonus |
|---|
Activ Health Platinum Essential 10% per year, up to 100% |
VS VS |
Active Fit Preferred 10% per year, up to 100% |
| Daycare Treatment |
|---|
Activ Health Platinum Essential Covered. |
VS VS |
Active Fit Preferred All day care treatments covered up to sum insured. |
| Consumable Cover |
|---|
Activ Health Platinum Essential Optional/subject to policy. |
VS VS |
Active Fit Preferred Optional/subject to applicable cover |
| AYUSH Treatment |
|---|
Activ Health Platinum Essential Covered. |
VS VS |
Active Fit Preferred Covered up to sum insured |
| Initial Waiting Period |
|---|
Activ Health Platinum Essential 30 days |
VS VS |
Active Fit Preferred 30 days |
| Specific Waiting Period |
|---|
Activ Health Platinum Essential 24 months |
VS VS |
Active Fit Preferred 24 months |
| PED Waiting Period |
|---|
Activ Health Platinum Essential 36 months |
VS VS |
Active Fit Preferred 48 months |
| Modern Treatment |
|---|
Activ Health Platinum Essential Covered. |
VS VS |
Active Fit Preferred Covered up to sum insured. |
| Annual Health Checkup |
|---|
Activ Health Platinum Essential Once every policy year |
VS VS |
Active Fit Preferred Once every policy year |
| Pre-Hospitalisation |
|---|
Activ Health Platinum Essential 30 days |
VS VS |
Active Fit Preferred 90 days |
| Post-Hospitalisation |
|---|
Activ Health Platinum Essential 60 days |
VS VS |
Active Fit Preferred 180 days |
| Outpatient Department Cover (OPD Expense) |
|---|
Activ Health Platinum Essential Not standard base limit |
VS VS |
Active Fit Preferred Optional cover |
| Deductible Option |
|---|
Activ Health Platinum Essential Subject to applicable optional benefit |
VS VS |
Active Fit Preferred Not established as a standard inbuilt benefit |
| Coverage Options |
|---|
Activ Health Platinum Essential Individual / Family Floater |
VS VS |
Active Fit Preferred Individual, multi-individual, family floater structure as applicable. |
| Claim Settlement Ratio |
|---|
Activ Health Platinum Essential 97% |
VS VS |
Active Fit Preferred 97% |
| Maternity Cover |
|---|
Activ Health Platinum Essential Available as an add-on |
VS VS |
Active Fit Preferred Yes, 40,000 normal/60,000 C-section. |
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.
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From choosing the right policy to managing claims, every step is handled for you
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Pure advice, no unwanted calls, no unnecessary push
Free Expert Consultation
Talk to experienced advisors at no cost, and make confident decisions
24/7 Claim Assistance
Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support
What Our Experts Help You With
Personalised Recommendations
Every suggestion is backed by expert analysis of your life stage, goals, and budget
Expert-Led Policy Review
We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later
Smart, Tech-Enabled Experience
From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free
Insurance Plans Comparison
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One policy covers the entire family
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Multiple coverage options based on your family needs
Maternity Health Plan
Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs
Insurance Plans Comparison
Frequently Asked Questions (FAQs)
Having questions? We've got answers. Explore our FAQs to find the information you need.
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