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Insurance Plans Comparison

Aditya Birla Active Fit Plus vs Care Classic

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
Care

Classic

Comprehensive Family Health Insurance with Unlimited Recharge and Extensive Hospitalisation Coverage

What Makes It Special:

Care Classic is a family-focused health insurance plan offering comprehensive hospitalisation coverage, unlimited automatic recharge, 60-day pre-hospitalisation and 180-day post-hospitalisation coverage, AYUSH benefits, annual health check-ups, and a cumulative bonus of up to 150% of the Base Sum Insured, subject to policy terms.

Best For:

  • Customers looking for long-term coverage benefits – The plan offers a cumulative bonus that can increase up to 150% of the Base Sum Insured, subject to policy terms.

  • Those preferring higher room eligibility – Suitable for eligible Sum Insured options offering a Single Private A/C Room.

  • Customers seeking extensive hospitalisation coverage – Includes pre- and post-hospitalisation, daycare, AYUSH and other eligible medical expenses.

  • Families seeking comprehensive health coverage – Suitable for families wanting a single floater policy with broad hospitalisation benefits.

  • People wanting unlimited recharge – Useful for those who want the Sum Insured to be replenished multiple times during a policy year, subject to terms.

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 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.

Care Classic

  • Review the applicable room-rent, treatment sub-limits and waiting periods before purchasing, particularly the 36-month PED waiting period.

  • Check the plan carefully if maternity coverage is a priority, as maternity expenses are not covered.

  • Consider it if you want AYUSH treatment and annual health check-up benefits.

  • Choose it if 60-day pre- and 180-day post-hospitalisation coverage is important to you.

  • Choose Care Classic if you want family floater coverage with unlimited automatic recharge.

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
Classic
Classic

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Active Fit Plus

Any room for some in short 5 lakh and above.

VS

Classic

Single Private A/C Room for SI ≥ ₹5 lakh.

ICU Charges

Active Fit Plus

No sublimit or caps.

VS

Classic

No limit for SI ≥ ₹5 lakh.

Co-payment

Active Fit Plus

No mandatory co-payment identified.

VS

Classic

Optional

Disease-wise sublimits

Active Fit Plus

Subject to policy terms.

VS

Classic

Standard sublimits apply

Cashless Healthcare Providers

Active Fit Plus

Current insurer network is 16,500+.

VS

Classic

10000+ network hospitals.

Restoration Benefit

Active Fit Plus

Binge refill - 100% sum insured, unlimited times

VS

Classic

Standard No-Claim Bonus.

Cumulative Bonus

Active Fit Plus

10% of SI per year, maximum 100%

VS

Classic

25% of Base SI for each claim-free year, up to a maximum of 150% of Base SI.

Daycare Treatment

Active Fit Plus

All daycare treatments up to sum insured

VS

Classic

All Day Care Procedures are covered, subject to policy terms.

Consumable Cover

Active Fit Plus

Optional/subject to applicable cover

VS

Classic

Not Available

AYUSH Treatment

Active Fit Plus

Covered up to sum insured

VS

Classic

Covered

Initial Waiting Period

Active Fit Plus

30 days

VS

Classic

30 days

Specific Waiting Period

Active Fit Plus

Information Unavailable

VS

Classic

24 months

PED Waiting Period

Active Fit Plus

36 months

VS

Classic

36 months

Modern Treatment

Active Fit Plus

Covered up to sum insured

VS

Classic

Covered up to the Sum Insured, subject to applicable policy terms/sub-limits for specified advanced technology methods. Care specifically says advanced technology treatment is subject to the applicable sub-limit.

Annual Health Checkup

Active Fit Plus

Once every policy year for eligible insured persons

VS

Classic

Available as add-on

Pre-Hospitalisation

Active Fit Plus

90 days

VS

Classic

60 days

Post-Hospitalisation

Active Fit Plus

180 days

VS

Classic

180 days post-discharge

Outpatient Department Cover (OPD Expense)

Active Fit Plus

Not part of standard hospitalisation cover; optional OPD available.

VS

Classic

Optional Add-on

Deductible Option

Active Fit Plus

Not established as a standard inbuilt benefit

VS

Classic

Available

Coverage Options

Active Fit Plus

Individual, multi-individual, and family floater available.

VS

Classic

Individual or Family Floater

Claim Settlement Ratio

Active Fit Plus

97%

VS

Classic

95.45%

Maternity Cover

Active Fit Plus

Not available.

VS

Classic

Maternity/childbirth is excluded. The current Care Classic page specifically excludes expenses attributable to childbirth, including complicated deliveries and Caesarean sections, except ectopic pregnancy.

Insurance Plans Comparison

Still Confused? Get Expert Advice

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Why Choose Our Expert Consultation?

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Free Expert Consultation

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

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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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