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Insurance Plans Comparison

Aditya Birla Active Fit Plus vs Care Heart

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

Heart

Specialised Cardiac Health Insurance with 2-Year Cardiac PED Waiting Period

What Makes It Special:

Care Heart Health Insurance is a specialized policy designed for people with existing heart conditions or cardiac risks. It provides comprehensive coverage for hospitalization, surgeries, and treatments related to heart ailments, including pre and post-hospitalization expenses. The plan also covers annual health check-ups, ambulance charges, and optional add-ons for enhanced...

Best For:

  • Focused Protection for Cardiac Patients

  • Covers Pre and Post Hospitalization

  • Annual Health Check-Up Included

  • Lifelong Policy Renewability Option

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.

Care Heart

  • You have a past history of heart disease

  • You need coverage for cardiac-related hospitalization expenses

  • You want insurance despite pre-existing heart conditions

  • You seek affordable premiums for heart-focused care

  • You prefer lifelong renewability with cardiac protection

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
Heart
Heart

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Active Fit Plus

Any room for some in short 5 lakh and above.

VS

Heart

Up to ₹3 L sum insured – 1% of Sum Insured per day

Above ₹3 L sum insured – Single Private Room

ICU Charges

Active Fit Plus

No sublimit or caps.

VS

Heart

Up to ₹3 L sum insured – 2% of Sum Insured per day

Above ₹3 L sum insured – No Limit

Co-payment

Active Fit Plus

No mandatory co-payment identified.

VS

Heart

In-built co-payment: 20% if entry age ≤ 70 years, 30% if entry age > 70 years.

Disease-wise sublimits

Active Fit Plus

Subject to policy terms.

VS

Heart

Yes

Cashless Healthcare Providers

Active Fit Plus

Current insurer network is 16,500+.

VS

Heart

21700+ Healthcare Providers

Restoration Benefit

Active Fit Plus

Binge refill - 100% sum insured, unlimited times

VS

Heart

Provides 1 restoration of the base cover upon exhaustion, applicable for unrelated illnesses only

Cumulative Bonus

Active Fit Plus

10% of SI per year, maximum 100%

VS

Heart

Your sum insured increases by 10% each policy year as a No-Claim Bonus, up to 50% of the sum insured. The bonus reduces by 10% for every claim paid

Daycare Treatment

Active Fit Plus

All daycare treatments up to sum insured

VS

Heart

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

Heart

No. However available as an add-on.

AYUSH Treatment

Active Fit Plus

Covered up to sum insured

VS

Heart

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

Initial Waiting Period

Active Fit Plus

30 days

VS

Heart

30 days

Specific Waiting Period

Active Fit Plus

Information Unavailable

VS

Heart

2 years

PED Waiting Period

Active Fit Plus

36 months

VS

Heart

2 years

Modern Treatment

Active Fit Plus

Covered up to sum insured

VS

Heart

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

Heart

Health check-up is available from the first policy year

Pre-Hospitalisation

Active Fit Plus

90 days

VS

Heart

You get cover for medical tests and doctor visits up to 30 days before hospitalisation, if your main claim is approved

Post-Hospitalisation

Active Fit Plus

180 days

VS

Heart

You get cover for medical bills up to 60 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

Heart

OPD expense is not included

Deductible Option

Active Fit Plus

Not established as a standard inbuilt benefit

VS

Heart

Not available

Coverage Options

Active Fit Plus

Individual, multi-individual, and family floater available.

VS

Heart

Available coverage options: ₹3L, ₹5L, ₹7L and ₹10L

Claim Settlement Ratio

Active Fit Plus

97%

VS

Heart

96%

Maternity Cover

Active Fit Plus

Not available.

VS

Heart

Not 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

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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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