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Insurance Plans Comparison

Aditya Birla Active Fit Plus vs Care Senior

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

Senior

Health Insurance for Senior Citizens 60+ with Lifelong Renewability

What Makes It Special:

Care Senior is tailored specifically for the healthcare requirements of senior citizens aged 60 and above.

Best For:

  • Customers wanting automatic recharge protection

  • Families covering elderly parents

  • Elderly individuals seeking senior-specific health screening benefits

  • Buyers looking for health insurance with no upper entry age cap

  • Senior citizens aged 60 and above

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 Senior

  • Senior health screening included

  • Inbuilt 1-time automatic sum insured recharge

  • Includes a mandatory 20% co-payment per claim

  • Pre-existing disease waiting period is 48 months (or 24 months based on option)

  • Entry starts from age 60 with no maximum entry age limit

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
Senior
Senior

Health Insurance Plan

Brochure

Room Rent

Active Fit Plus

Any room for some in short 5 lakh and above.

VS

Senior

Room rent is covered up to the sum insured, subject to the applicable room-category terms of the plan.

ICU Charges

Active Fit Plus

No sublimit or caps.

VS

Senior

ICU charges are covered up to your sum insured during the policy period.

Co-payment

Active Fit Plus

No mandatory co-payment identified.

VS

Senior

20% co-payment is applicable on all claims. An additional 20% co-payment applies for treatment taken outside Smart Select network hospitals.

Disease-wise sublimits

Active Fit Plus

Subject to policy terms.

VS

Senior

Yes, sublimits apply to specified diseases and treatments as per the policy terms.

Cashless Healthcare Providers

Active Fit Plus

Current insurer network is 16,500+.

VS

Senior

22,100+ cashless healthcare providers.

Restoration Benefit

Active Fit Plus

Binge refill - 100% sum insured, unlimited times

VS

Senior

Yes, your sum insured is automatically recharged by an amount equal to the opted sum insured, unlimited times during the policy year, for related or unrelated illnesses.

Cumulative Bonus

Active Fit Plus

10% of SI per year, maximum 100%

VS

Senior

Your sum insured increases by 10% for every claim-free year, up to a maximum of 50% of the sum insured.

Daycare Treatment

Active Fit Plus

All daycare treatments up to sum insured

VS

Senior

Covers all eligible Day Care Procedures, including treatments such as cataract, chemotherapy, dialysis and stone removal, up to your sum insured.

Consumable Cover

Active Fit Plus

Optional/subject to applicable cover

VS

Senior

Consumable expenses are not covered under the plan.

AYUSH Treatment

Active Fit Plus

Covered up to sum insured

VS

Senior

Covers AYUSH treatment expenses up to your sum insured, subject to the policy terms and treatment being taken at an AYUSH-certified facility.

Initial Waiting Period

Active Fit Plus

30 days

VS

Senior

30 days for illnesses, except injuries caused by an accident.

Specific Waiting Period

Active Fit Plus

Information Unavailable

VS

Senior

2 years for specified named ailments.

PED Waiting Period

Active Fit Plus

36 months

VS

Senior

3 years for pre-existing diseases.

Modern Treatment

Active Fit Plus

Covered up to sum insured

VS

Senior

Modern treatment methods are not covered under the plan.

Annual Health Checkup

Active Fit Plus

Once every policy year for eligible insured persons

VS

Senior

Annual health check-up is available for all insured members.

Pre-Hospitalisation

Active Fit Plus

90 days

VS

Senior

You get cover for medical expenses up to 60 days before hospitalisation, subject to the main hospitalisation claim being admissible.

Post-Hospitalisation

Active Fit Plus

180 days

VS

Senior

You get cover for medical expenses up to 180 days after discharge from the hospital.

Outpatient Department Cover (OPD Expense)

Active Fit Plus

Not part of standard hospitalisation cover; optional OPD available.

VS

Senior

OPD expense is not included.

Deductible Option

Active Fit Plus

Not established as a standard inbuilt benefit

VS

Senior

Not available as a standard deductible option.

Coverage Options

Active Fit Plus

Individual, multi-individual, and family floater available.

VS

Senior

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

Claim Settlement Ratio

Active Fit Plus

97%

VS

Senior

96.74% for FY 2024-25.

Maternity Cover

Active Fit Plus

Not available.

VS

Senior

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?

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

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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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