Insurance Plans Comparison
Aditya Birla Active Fit Plus vs HDFC ERGO Energy Silver With Copay
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read more
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
Energy Silver With Copay
HDFC ERGO Energy Silver Plan
What Makes It Special:
Energy Silver focuses on providing essential health coverage at an affordable premium. It's designed for budget-conscious individuals who want reliable coverage.
Best For:
Day-one coverage, no waiting period
Reward-based health insurance plan
Comprehensive wellness-focused protection
Dedicated diabetes and hypertension coverage
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
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.
You need pre and post-hospitalization costs covered
You appreciate restore and cumulative bonus on sum insured
You want reward points for maintaining health
You need day-one hospitalization, no waiting period
You want health cover for diabetes or hypertension
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Active Fit Plus Health Insurance Plan VS VS |
Energy Silver With Copay Health Insurance Plan |
| Room Rent |
|---|
Active Fit Plus Any room for some in short 5 lakh and above. |
VS VS |
Energy Silver With Copay All room categories are covered |
| ICU Charges |
|---|
Active Fit Plus No sublimit or caps. |
VS VS |
Energy Silver With Copay No restriction on ICU room rent |
| Co-payment |
|---|
Active Fit Plus No mandatory co-payment identified. |
VS VS |
Energy Silver With Copay Available as an option |
| Disease-wise sublimits |
|---|
Active Fit Plus Subject to policy terms. |
VS VS |
Energy Silver With Copay No |
| Cashless Healthcare Providers |
|---|
Active Fit Plus Current insurer network is 16,500+. |
VS VS |
Energy Silver With Copay 15,000+ Healthcare Providers |
| Restoration Benefit |
|---|
Active Fit Plus Binge refill - 100% sum insured, unlimited times |
VS VS |
Energy Silver With Copay Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses |
| Cumulative Bonus |
|---|
Active Fit Plus 10% of SI per year, maximum 100% |
VS VS |
Energy Silver With Copay Your sum insured increases by 10% every year, maximum up to 100% |
| Daycare Treatment |
|---|
Active Fit Plus All daycare treatments up to sum insured |
VS VS |
Energy Silver With Copay 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 VS |
Energy Silver With Copay Yes |
| AYUSH Treatment |
|---|
Active Fit Plus Covered up to sum insured |
VS VS |
Energy Silver With Copay Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Initial Waiting Period |
|---|
Active Fit Plus 30 days |
VS VS |
Energy Silver With Copay 30 days |
| Specific Waiting Period |
|---|
Active Fit Plus Information Unavailable |
VS VS |
Energy Silver With Copay 2 years |
| PED Waiting Period |
|---|
Active Fit Plus 36 months |
VS VS |
Energy Silver With Copay 2 years |
| Modern Treatment |
|---|
Active Fit Plus Covered up to sum insured |
VS VS |
Energy Silver With Copay 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 VS |
Energy Silver With Copay Health check-up is available twice every policy year, from day 1 of the policy |
| Pre-Hospitalisation |
|---|
Active Fit Plus 90 days |
VS VS |
Energy Silver With Copay 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 VS |
Energy Silver With Copay 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 VS |
Energy Silver With Copay OPD expense is not included |
| Deductible Option |
|---|
Active Fit Plus Not established as a standard inbuilt benefit |
VS VS |
Energy Silver With Copay Not available |
| Coverage Options |
|---|
Active Fit Plus Individual, multi-individual, and family floater available. |
VS VS |
Energy Silver With Copay Available coverage options: ₹2L, 3L, 5L, 10L, 20L, 25L, 50L |
| Claim Settlement Ratio |
|---|
Active Fit Plus 97% |
VS VS |
Energy Silver With Copay 95% |
| Maternity Cover |
|---|
Active Fit Plus Not available. |
VS VS |
Energy Silver With Copay 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
From choosing the right policy to managing claims, every step is handled for you
Zero Spam. Zero Hassle
Pure advice, no unwanted calls, no unnecessary push
Free Expert Consultation
Talk to experienced advisors at no cost, and make confident decisions
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
Secure against age-related medical costs
Tailored for seniors healthcare needs
Most Popular
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
Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs
Senior Citizen Health Plan
Secure against age-related medical costs
Tailored for seniors healthcare needs
Most Popular
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
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.
Explore Our Most Popular Plans
Compare With Other Health Insurance Plans
Active Fit Plus vs Optima Secure
Active Fit Plus vs Optima Secure Plus
Active Fit Plus vs Cancer Cover Activ Cancer Secure Plan
Active Fit Plus vs Women Care
Active Fit Plus vs Activate Booster Plan A
Active Fit Plus vs Active Care Premier
Active Fit Plus vs ProHealth Accumulate
Active Fit Plus vs Supreme Shine
Active Fit Plus vs Optima Secure Global Plus
Active Fit Plus vs myHealth Suraksha Gold
Active Fit Plus vs LifeTime Health Global
Active Fit Plus vs Activ Health Platinum Essential
Active Fit Plus vs Medicare Plus
Active Fit Plus vs Medicare Senior
Active Fit Plus vs Medicare Protect
Active Fit Plus vs Activ One SAVR
Active Fit Plus vs Active Assure Diamond
Active Fit Plus vs Activ One VIP
Active Fit Plus vs Advantage
Active Fit Plus vs Assure
Active Fit Plus vs Activ One Max
Active Fit Plus vs Classic
Active Fit Plus vs Activ One Vytl
Active Fit Plus vs Supreme
Active Fit Plus vs Freedom
Active Fit Plus vs Joy Today
Active Fit Plus vs Medi Classic
Active Fit Plus vs Activate Booster Plan B
Active Fit Plus vs Health Recharge Super Top Up Plan
Active Fit Plus vs Plus Complete
Active Fit Plus vs EquiCover
Active Fit Plus vs Activ One VIP+
Active Fit Plus vs Reassure 3.0 Select
Active Fit Plus vs Medicare Premier
Active Fit Plus vs Plus Youth
Active Fit Plus vs Optima Lite
Active Fit Plus vs ProHealth Prime Protect
Active Fit Plus vs Supreme Senior Premium
Active Fit Plus vs myHealth Suraksha Platinum
Active Fit Plus vs Supreme Senior Super
Active Fit Plus vs Medicare
Active Fit Plus vs Ultimate (Direct)
Active Fit Plus vs Sarvah Param
Active Fit Plus vs Optima Insurance
Active Fit Plus vs Smart Super Health Assure
Active Fit Plus vs Health Guard Platinum
Active Fit Plus vs Health Guard Gold
Active Fit Plus vs Extra Care Plus Super Top-up
Active Fit Plus vs Health Care Supreme Smart
Active Fit Plus vs Medi Classic Gold
Active Fit Plus vs Smart Health Pro
Active Fit Plus vs Optima Super Secure
Active Fit Plus vs Special Care
Active Fit Plus vs Medicare LITE
Active Fit Plus vs Health Shield 360
Active Fit Plus vs SecureHealth
Active Fit Plus vs Supreme (Direct)
Active Fit Plus vs Mediclaim Insurance Policy
Active Fit Plus vs Young Star Gold
Active Fit Plus vs Senior
Active Fit Plus vs myHealth Koti Suraksha
Active Fit Plus vs myHealth Suraksha Silver
Active Fit Plus vs Cancer Care Platinum
Active Fit Plus vs Royal Sundaram Lifeline Elite
Active Fit Plus vs Supreme Enhance One
Active Fit Plus vs Supreme Enhance Two
Active Fit Plus vs Health Companion Variant 2022
Active Fit Plus vs Elder Care
Active Fit Plus vs HeartBeat Gold
Active Fit Plus vs Health SuperCharge
Active Fit Plus vs iHealth Plus
Active Fit Plus vs HeartBeat Enhanced
Active Fit Plus vs ProHealth Prime Advantage
Active Fit Plus vs Active Fit Preferred
Active Fit Plus vs Senior Health Advantage
Active Fit Plus vs Reassure 3.0 Elite
Active Fit Plus vs Reassure 2.0 Platinum+
Active Fit Plus vs Health Wallet
Active Fit Plus vs Heart
Active Fit Plus vs Elevate
Active Fit Plus vs Reassure 2.0 Titanium+
Active Fit Plus vs LifeTime Health
Active Fit Plus vs ProHealth Prime Active
Active Fit Plus vs ProHealth Prime Senior Elite
Active Fit Plus vs Advanced Top Up
Active Fit Plus vs Multiplier Health
Active Fit Plus vs Joy Tomorrow
Active Fit Plus vs Reassure 2.0 Bronze+
Active Fit Plus vs Star Women Care Policy
Active Fit Plus vs Young Star Silver
Active Fit Plus vs Reassure 3.0
Active Fit Plus vs Joy
Active Fit Plus vs Supreme Senior Health AdvantEdge
Active Fit Plus vs Family Plus
Active Fit Plus vs Criti Shield Plus
Active Fit Plus vs Health Care Supreme Ultimo
Active Fit Plus vs Health Shield 360 Retail
Active Fit Plus vs Supreme Super Saver
Active Fit Plus vs Super Star
Active Fit Plus vs Senior First Platinum
Active Fit Plus vs Optima Secure Global
Active Fit Plus vs NextGen
Active Fit Plus vs Health Insurance Platinum
Active Fit Plus vs Energy Silver With Copay
Energy Silver With Copay vs Optima Secure
Energy Silver With Copay vs Optima Secure Plus
Energy Silver With Copay vs Cancer Cover Activ Cancer Secure Plan
Energy Silver With Copay vs Women Care
Energy Silver With Copay vs Activate Booster Plan A
Energy Silver With Copay vs Active Care Premier
Energy Silver With Copay vs ProHealth Accumulate
Energy Silver With Copay vs Supreme Shine
Energy Silver With Copay vs Optima Secure Global Plus
Energy Silver With Copay vs myHealth Suraksha Gold
Energy Silver With Copay vs LifeTime Health Global
Energy Silver With Copay vs Active Fit Plus
Energy Silver With Copay vs Activ Health Platinum Essential
Energy Silver With Copay vs Medicare Plus
Energy Silver With Copay vs Medicare Senior
Energy Silver With Copay vs Medicare Protect
Energy Silver With Copay vs Activ One SAVR
Energy Silver With Copay vs Active Assure Diamond
Energy Silver With Copay vs Activ One VIP
Energy Silver With Copay vs Advantage
Energy Silver With Copay vs Assure
Energy Silver With Copay vs Activ One Max
Energy Silver With Copay vs Classic
Energy Silver With Copay vs Activ One Vytl
Energy Silver With Copay vs Supreme
Energy Silver With Copay vs Freedom
Energy Silver With Copay vs Joy Today
Energy Silver With Copay vs Medi Classic
Energy Silver With Copay vs Activate Booster Plan B
Energy Silver With Copay vs Health Recharge Super Top Up Plan
Energy Silver With Copay vs Plus Complete
Energy Silver With Copay vs EquiCover
Energy Silver With Copay vs Activ One VIP+
Energy Silver With Copay vs Reassure 3.0 Select
Energy Silver With Copay vs Medicare Premier
Energy Silver With Copay vs Plus Youth
Energy Silver With Copay vs Optima Lite
Energy Silver With Copay vs ProHealth Prime Protect
Energy Silver With Copay vs Supreme Senior Premium
Energy Silver With Copay vs myHealth Suraksha Platinum
Energy Silver With Copay vs Supreme Senior Super
Energy Silver With Copay vs Medicare
Energy Silver With Copay vs Ultimate (Direct)
Energy Silver With Copay vs Sarvah Param
Energy Silver With Copay vs Optima Insurance
Energy Silver With Copay vs Smart Super Health Assure
Energy Silver With Copay vs Health Guard Platinum
Energy Silver With Copay vs Health Guard Gold
Energy Silver With Copay vs Extra Care Plus Super Top-up
Energy Silver With Copay vs Health Care Supreme Smart
Energy Silver With Copay vs Medi Classic Gold
Energy Silver With Copay vs Smart Health Pro
Energy Silver With Copay vs Optima Super Secure
Energy Silver With Copay vs Special Care
Energy Silver With Copay vs Medicare LITE
Energy Silver With Copay vs Health Shield 360
Energy Silver With Copay vs SecureHealth
Energy Silver With Copay vs Supreme (Direct)
Energy Silver With Copay vs Mediclaim Insurance Policy
Energy Silver With Copay vs Young Star Gold
Energy Silver With Copay vs Senior
Energy Silver With Copay vs myHealth Koti Suraksha
Energy Silver With Copay vs myHealth Suraksha Silver
Energy Silver With Copay vs Cancer Care Platinum
Energy Silver With Copay vs Royal Sundaram Lifeline Elite
Energy Silver With Copay vs Supreme Enhance One
Energy Silver With Copay vs Supreme Enhance Two
Energy Silver With Copay vs Health Companion Variant 2022
Energy Silver With Copay vs Elder Care
Energy Silver With Copay vs HeartBeat Gold
Energy Silver With Copay vs Health SuperCharge
Energy Silver With Copay vs iHealth Plus
Energy Silver With Copay vs HeartBeat Enhanced
Energy Silver With Copay vs ProHealth Prime Advantage
Energy Silver With Copay vs Active Fit Preferred
Energy Silver With Copay vs Senior Health Advantage
Energy Silver With Copay vs Reassure 3.0 Elite
Energy Silver With Copay vs Reassure 2.0 Platinum+
Energy Silver With Copay vs Health Wallet
Energy Silver With Copay vs Heart
Energy Silver With Copay vs Elevate
Energy Silver With Copay vs Reassure 2.0 Titanium+
Energy Silver With Copay vs LifeTime Health
Energy Silver With Copay vs ProHealth Prime Active
Energy Silver With Copay vs ProHealth Prime Senior Elite
Energy Silver With Copay vs Advanced Top Up
Energy Silver With Copay vs Multiplier Health
Energy Silver With Copay vs Joy Tomorrow
Energy Silver With Copay vs Reassure 2.0 Bronze+
Energy Silver With Copay vs Star Women Care Policy
Energy Silver With Copay vs Young Star Silver
Energy Silver With Copay vs Reassure 3.0
Energy Silver With Copay vs Joy
Energy Silver With Copay vs Supreme Senior Health AdvantEdge
Energy Silver With Copay vs Family Plus
Energy Silver With Copay vs Criti Shield Plus
Energy Silver With Copay vs Health Care Supreme Ultimo
Energy Silver With Copay vs Health Shield 360 Retail
Energy Silver With Copay vs Supreme Super Saver
Energy Silver With Copay vs Super Star
Energy Silver With Copay vs Senior First Platinum
Energy Silver With Copay vs Optima Secure Global
Energy Silver With Copay vs NextGen
Energy Silver With Copay vs Health Insurance Platinum
Related Blogs
Making Health Insurance Affordable: Is EMI Really the Best Way?
February 4, 2026 | OneAssure Team
Read MoreInsurance in 2026: Great for Your Wallet, But What’s Still Missing?
February 1, 2026 | OneAssure Team
Read MoreHow India’s Budget 2026 Could Shape the Future of Insurance - A Young Earner’s Guide.
February 1, 2026 | OneAssure Team
Read More.png)
Pre-Existing Disease in Health Insurance: All You Need to Know Before Buying
November 17, 2025 | Mahak Chauhan
Read More
ICICI Elevate vs Care Supreme: Which Health Plan Offers Better Coverage in 2025?
September 25, 2025 | OneAssure Team
Read More
Chat with PolicyPal
Get a free policy review
No pressure. No product push. Just honest advice.