Insurance Plans Comparison
Aditya Birla Active Fit Plus vs Care Enhance Super Top-up Two
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreActive 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
Enhance Super Top-up Two
High-value super top-up health cover with flexible deductibles for major hospitalisation expenses.
What Makes It Special:
Enhance 2 is a high-deductible health insurance option from Care Health Insurance Limited, designed to provide additional cover once eligible medical expenses cross the selected policy deductible. It offers sum insured choices from ₹30 lakh to ₹55 lakh and deductible options of ₹5 lakh, ₹10 lakh, ₹15 lakh and ₹20...
Best For:
Individuals looking for high sum insured options of ₹30 lakh to ₹55 lakh.
Buyers who can comfortably manage the selected deductible through savings or another insurance policy.
Families seeking a higher overall level of hospitalisation cover without buying an equivalent amount of base health insurance.
Buyers who understand the plan's waiting periods, room category, co-payment and exclusions before choosing it.
People who already have employer-provided or personal health insurance and want additional protection against large hospital bills.
Insurance Plans Comparison
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Quick Decision Guide
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.
Check the base policy: Confirm that your existing policy or available funds can meet the deductible and that the policies' terms work together for claims.
Compare room eligibility: The brochure describes a single private AC room with upgrading to the next level; check the exact room entitlement and any linked deductions in the issued wording.
Review waiting periods: Account for the 30-day initial waiting period, 24-month named-ailment waiting period and 36-month pre-existing disease waiting period specified in the supplied Customer Information Sheet.
Confirm the exact policy version: Benefits and exclusions can change. Verify the policy wording, Customer Information Sheet, deductible and sum insured combination offered at purchase.
Choose the deductible carefully: Ensure that you can fund the selected ₹5 lakh to ₹20 lakh deductible when a claim arises.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Active Fit Plus Health Insurance Plan VS VS |
Enhance Super Top-up Two Health Insurance Plan |
| Room Rent |
|---|
Active Fit Plus Any room for some in short 5 lakh and above. |
VS VS |
Enhance Super Top-up Two Single private AC room, with upgrading to the next room category permitted . |
| ICU Charges |
|---|
Active Fit Plus No sublimit or caps. |
VS VS |
Enhance Super Top-up Two ICU charges are covered without a separate monetary limit stated in the brochure, subject to the policy's sum insured, deductible and terms. |
| Co-payment |
|---|
Active Fit Plus No mandatory co-payment identified. |
VS VS |
Enhance Super Top-up Two A 20% co-payment applies to each admissible claim for first-time entrants aged 61 years or above and their subsequent renewals, as described in the Customer Information Sheet. |
| Disease-wise sublimits |
|---|
Active Fit Plus Subject to policy terms. |
VS VS |
Enhance Super Top-up Two No separate disease-wise sub-limit |
| Cashless Healthcare Providers |
|---|
Active Fit Plus Current insurer network is 16,500+. |
VS VS |
Enhance Super Top-up Two Cashless treatment is available at the insurer's network hospitals, subject to hospital participation and pre-authorisation. Use the current Care Health Insurance hospital locator for the live network count. |
| Restoration Benefit |
|---|
Active Fit Plus Binge refill - 100% sum insured, unlimited times |
VS VS |
Enhance Super Top-up Two No standard restoration benefit. |
| Cumulative Bonus |
|---|
Active Fit Plus 10% of SI per year, maximum 100% |
VS VS |
Enhance Super Top-up Two No standard cumulative bonus. |
| Daycare Treatment |
|---|
Active Fit Plus All daycare treatments up to sum insured |
VS VS |
Enhance Super Top-up Two Specified daycare treatments requiring less than 24 hours of hospitalisation are covered, subject to the policy wording. |
| Consumable Cover |
|---|
Active Fit Plus Optional/subject to applicable cover |
VS VS |
Enhance Super Top-up Two No separate standard consumables benefit. |
| AYUSH Treatment |
|---|
Active Fit Plus Covered up to sum insured |
VS VS |
Enhance Super Top-up Two Covered benefit up to the sum insured, subject to applicable policy terms and exclusions. |
| Initial Waiting Period |
|---|
Active Fit Plus 30 days |
VS VS |
Enhance Super Top-up Two 30 days for illnesses, except accidents; the waiting period does not apply to continuous renewals as described in the Customer Information Sheet. |
| Specific Waiting Period |
|---|
Active Fit Plus Information Unavailable |
VS VS |
Enhance Super Top-up Two 24 months of continuous coverage for listed named ailments and procedures, subject to the policy wording. |
| PED Waiting Period |
|---|
Active Fit Plus 36 months |
VS VS |
Enhance Super Top-up Two 36 months for pre-existing diseases. |
| Modern Treatment |
|---|
Active Fit Plus Covered up to sum insured |
VS VS |
Enhance Super Top-up Two Covers eligible inpatient and specified daycare treatment under the policy. Advanced technology methods are subject to the treatments expressly covered in the applicable policy wording. |
| Annual Health Checkup |
|---|
Active Fit Plus Once every policy year for eligible insured persons |
VS VS |
Enhance Super Top-up Two Available for covered adult members, irrespective of claim history, subject to policy terms. |
| Pre-Hospitalisation |
|---|
Active Fit Plus 90 days |
VS VS |
Enhance Super Top-up Two Eligible medical expenses for up to 30 days before hospitalisation. |
| Post-Hospitalisation |
|---|
Active Fit Plus 180 days |
VS VS |
Enhance Super Top-up Two Eligible medical expenses for up to 60 days after hospital discharge. |
| Outpatient Department Cover (OPD Expense) |
|---|
Active Fit Plus Not part of standard hospitalisation cover; optional OPD available. |
VS VS |
Enhance Super Top-up Two Routine outpatient treatment is excluded under the supplied policy wording. Do not list standard OPD treatment as an included benefit. |
| Deductible Option |
|---|
Active Fit Plus Not established as a standard inbuilt benefit |
VS VS |
Enhance Super Top-up Two ₹5 lakh, ₹10 lakh, ₹15 lakh or ₹20 lakh per policy year, subject to available combinations. Eligible expenses are payable under the policy only after the applicable deductible is met. |
| Coverage Options |
|---|
Active Fit Plus Individual, multi-individual, and family floater available. |
VS VS |
Enhance Super Top-up Two Sum insured options of ₹30 lakh, ₹35 lakh, ₹40 lakh, ₹45 lakh, ₹50 lakh and ₹55 lakh, subject to available deductible combinations. |
| Claim Settlement Ratio |
|---|
Active Fit Plus 97% |
VS VS |
Enhance Super Top-up Two 96.99% |
| Maternity Cover |
|---|
Active Fit Plus Not available. |
VS VS |
Enhance Super Top-up Two Maternity and childbirth-related hospitalisation expenses are excluded under the supplied brochure, except for the stated ectopic-pregnancy exception. |
Insurance Plans Comparison
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