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Insurance Plans Comparison

Aditya Birla Activ One VIP+ vs Niva Bupa GoActive

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

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Aditya Birla

Activ One VIP+

Cover planned treatment abroad and worldwide emergencies up to the base sum insured, add 50% super credit each year, up to 100% and capped at ₹4 crore, even after a claim, and cover listed non-medical hospital expenses.

What Makes It Special:

Activ One VIP+ is the global-cover-focused variant providing international protection for both planned and emergency treatment, alongside comprehensive domestic health insurance.

Best For:

  • Buyers wanting maternity and overseas protection

  • Customers wanting high sum insured

  • Frequent international travellers

  • Customer seeking international plan treatment

VS
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

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

Aditya Birla Activ One VIP+

  • International benefits should be checked against the policy schedule.

  • The plan is designed for higher sum insured levels.

  • Travel duration limits apply.

  • Overseas treatment is subject to geographical, eligibility and policy conditions.

Niva Bupa GoActive

  • 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.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Activ One VIP+
Activ One VIP+

Health Insurance Plan

Brochure

Policy Wording

VS
GoActive
GoActive

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Activ One VIP+

Normal: Actuals up to Sum Insured.

ICU: Actuals up to Sum Insured.

VS

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

Advanced Treatments

Activ One VIP+

List all covered advanced/modern treatments mentioned: Uterine Artery Embolization and HIFU (High intensity focused ultrasound), Immunotherapy- Monoclonal Antibody, Vaporisation of the Prostrate (Green laser treatment or holmium laser treatment), Stem Cell Therapy (Hematopoietic Stem Cells for Bone Marrow Transplant for Haematological Conditions), Balloon Sinuplasty, Oral Chemotherapy, Robotic Surgeries, Stereotactic Radio Surgeries, Deep Brain Stimulation, Intra Vitreal Injections, Bronchial Thermoplasty, and IONM (Intra Operative Neuro Monitoring).

VS

GoActive

Covered up to Sum Insured

ICU Charges

Activ One VIP+

Information Unavailable

VS

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.

Co-payment

Activ One VIP+

Not mentioned

VS

GoActive

No mandatory age-based co-payment mentioned

Disease-wise sublimits

Activ One VIP+

Information Unavailable

VS

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.

Waiting Period

Activ One VIP+

Initial Waiting Period: 30 Days.

Pre-existing Disease Waiting Period: 3 years.

Specific Disease/Procedure Waiting Period: 2 years.

VS

GoActive

Information Unavailable

Cashless Healthcare Providers

Activ One VIP+

10,000+ Network hospitals.

VS

GoActive

4,200+ Network Hospitals

Restoration Benefit

Activ One VIP+

Information Unavailable

VS

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.

Daycare Treatment

Activ One VIP+

Actuals up to Sum Insured

VS

GoActive

Covered up to Sum Insured

Cumulative Bonus

Activ One VIP+

Information Unavailable

VS

GoActive

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

AYUSH Treatment

Activ One VIP+

Actuals up to Sum Insured

VS

GoActive

Covered up to Sum Insured

Consumable Cover

Activ One VIP+

Information Unavailable

VS

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.

Initial Waiting Period

Activ One VIP+

Information Unavailable

VS

GoActive

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

Specific Waiting Period

Activ One VIP+

Information Unavailable

VS

GoActive

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

PED Waiting Period

Activ One VIP+

Information Unavailable

VS

GoActive

36 months

Modern Treatment

Activ One VIP+

Information Unavailable

VS

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.

Annual Health Checkup

Activ One VIP+

Information Unavailable

VS

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.

Pre-Hospitalisation

Activ One VIP+

Information Unavailable

VS

GoActive

Up to 90 days before admission, within the sum insured

Post-Hospitalisation

Activ One VIP+

Information Unavailable

VS

GoActive

Up to 180 days after discharge, within the sum insured

Outpatient Department Cover (OPD Expense)

Activ One VIP+

Information Unavailable

VS

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.

Deductible Option

Activ One VIP+

Information Unavailable

VS

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.

Claim Settlement Ratio

Activ One VIP+

Information Unavailable

VS

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).

Maternity Cover

Activ One VIP+

Information Unavailable

VS

GoActive

Not offered. Maternity and related childbirth expenses are excluded.

Insurance Plans Comparison

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What Our Experts Help You With

Personalised Recommendations

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  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

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Insurance Plans Comparison

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

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

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