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Insurance Plans Comparison

Aditya Birla Active Fit Plus vs Aditya Birla Activ One VIP

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

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Aditya Birla

Active Fit Plus

Wellness-driven health protection with Binge Refill and HealthReturns

What Makes It Special:

Activ Fit Plus is designed around health insurance and wellness rewards, with Binge Refill, health assessment, HealthReturns and fitness-linked benefits.

Best For:

  • People looking for broad hospitalisation and daycare coverage

  • Buyers wanting unlimited sum insured refill

  • Customers interested in wellness rewards

  • Younger adults and families

VS
Aditya Birla

Activ One VIP

Activ One VIP Plan

What Makes It Special:

Activ One VIP is the global-cover-oriented Activ One variant, combining domestic health insurance with emergency international coverage and specified major-illness and maternity benefits outside India.

Best For:

  • Advanced treatment and wellness plan

  • Unlimited sum insured restoration

  • Family floater with extensive benefits

  • Ultra-high coverage health insurance

Insurance Plans Comparison

Get Personalized Advice

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 Active Fit Plus

  • Waiting periods should be reviewed before purchase.

  • Maternity is not part of the Plus variant.

  • Binge Refill can provide additional protection after some insured is exhausted.

  • Suitable if wellness linked rewards are important.

Aditya Birla Activ One VIP

  • You enjoy wellness rewards and annual health check-ups from day one

  • You value maternity and modern medical treatments

  • You want freedom with no room rent or co-payment limits

  • You prefer unlimited sum insured refills (Super Reload)

  • You want very high medical coverage up to ₹6 crore

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Active Fit Plus
Active Fit Plus

Health Insurance Plan

VS
Activ One VIP
Activ One VIP

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Active Fit Plus

Any room for some in short 5 lakh and above.

VS

Activ One VIP

All room categories are covered

ICU Charges

Active Fit Plus

No sublimit or caps.

VS

Activ One VIP

No restriction on ICU room rent

Co-payment

Active Fit Plus

No mandatory co-payment identified.

VS

Activ One VIP

Yes


Disease-wise sublimits

Active Fit Plus

Subject to policy terms.

VS

Activ One VIP

No

Cashless Healthcare Providers

Active Fit Plus

Current insurer network is 16,500+.

VS

Activ One VIP

11000+ Healthcare Providers

Restoration Benefit

Active Fit Plus

Binge refill - 100% sum insured, unlimited times

VS

Activ One VIP

Not available

Cumulative Bonus

Active Fit Plus

10% of SI per year, maximum 100%

VS

Activ One VIP

Your sum insured increases by 50% every year, maximum up to 100%

Daycare Treatment

Active Fit Plus

All daycare treatments up to sum insured

VS

Activ One VIP

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

Consumable Cover

Active Fit Plus

Optional/subject to applicable cover

VS

Activ One VIP

Yes

AYUSH Treatment

Active Fit Plus

Covered up to sum insured

VS

Activ One VIP

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

Initial Waiting Period

Active Fit Plus

30 days

VS

Activ One VIP

30 days

Specific Waiting Period

Active Fit Plus

Information Unavailable

VS

Activ One VIP

2 years

PED Waiting Period

Active Fit Plus

36 months

VS

Activ One VIP

3 years

Modern Treatment

Active Fit Plus

Covered up to sum insured

VS

Activ One VIP

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Annual Health Checkup

Active Fit Plus

Once every policy year for eligible insured persons

VS

Activ One VIP

Not available

Pre-Hospitalisation

Active Fit Plus

90 days

VS

Activ One VIP

You get cover for medical tests and doctor visits up to 90 days before hospitalisation, if your main claim is approved

Post-Hospitalisation

Active Fit Plus

180 days

VS

Activ One VIP

You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it

Outpatient Department Cover (OPD Expense)

Active Fit Plus

Not part of standard hospitalisation cover; optional OPD available.

VS

Activ One VIP

OPD expenses are covered

Deductible Option

Active Fit Plus

Not established as a standard inbuilt benefit

VS

Activ One VIP

Not available

Coverage Options

Active Fit Plus

Individual, multi-individual, and family floater available.

VS

Activ One VIP

Available coverage options: ₹50 Lacs, ₹75 Lacs, ₹1 Cr, ₹2 Cr, ₹3 Cr, ₹4 Cr, ₹5 Cr, ₹6 Cr

Claim Settlement Ratio

Active Fit Plus

97%

VS

Activ One VIP

96%

Maternity Cover

Active Fit Plus

Not available.

VS

Activ One VIP

Available

Insurance Plans Comparison

Still Confused? Get Expert Advice

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

Why Choose Our Expert Consultation?

End-to-End Support

End-to-End Support

From choosing the right policy to managing claims, every step is handled for you

Zero Spam. Zero Hassle

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

Talk to experienced advisors at no cost, and make confident decisions

24/7 Claim Assistance

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

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)

Having questions? We've got answers. Explore our FAQs to find the information you need.

1-5 of 10 FAQs

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