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Insurance Plans Comparison

HDFC ERGO Optima Secure vs Aditya Birla Active Fit Plus

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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HDFC ERGO

What Makes It Special:

HDFC ERGO Optima Secure is a comprehensive health insurance plan offering coverage from ₹5 lakh to ₹2 crore for individuals and families. It provides a Secure Benefit that doubles your coverage from day one, Plus Benefit that grows it further on renewal, and Restore Benefit that reinstates the base sum after a...

Best For:

  • Comprehensive Family Health Insurance

  • Multi-Benefit Medical Protection Plan

  • Coverage with Automatic Sum Boost

  • Restoration-enabled Secure Health Policy

VS
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

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

HDFC ERGO Optima Secure

  • Coverage growth with Secure and Plus Benefits

  • Automatic sum insured restoration after claims

  • No room-rent or ICU restrictions

  • Annual health check-ups and preventive care

  • Long-term loyalty rewards and discounts

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.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Optima Secure
Optima Secure

Health Insurance Plan

Brochure

Policy Wording

VS
Active Fit Plus
Active Fit Plus

Health Insurance Plan

Room Rent

Optima Secure

All room categories are covered

VS

Active Fit Plus

Any room for some in short 5 lakh and above.

ICU Charges

Optima Secure

No restriction on ICU room rent

VS

Active Fit Plus

No sublimit or caps.

Co-payment

Optima Secure

Not available

VS

Active Fit Plus

No mandatory co-payment identified.

Disease-wise sublimits

Optima Secure

No

VS

Active Fit Plus

Subject to policy terms.

Restoration Benefit

Optima Secure

Yes, your sum insured restores to 100% once every policy year

VS

Active Fit Plus

Binge refill - 100% sum insured, unlimited times

Cashless Healthcare Providers

Optima Secure

16000+ Healthcare Providers

VS

Active Fit Plus

Current insurer network is 16,500+.

Daycare Treatment

Optima Secure

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

VS

Active Fit Plus

All daycare treatments up to sum insured

Cumulative Bonus

Optima Secure

Your sum insured increases by 50% every year, maximum up to 300%

VS

Active Fit Plus

10% of SI per year, maximum 100%

AYUSH Treatment

Optima Secure

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

VS

Active Fit Plus

Covered up to sum insured

Consumable Cover

Optima Secure

Yes

VS

Active Fit Plus

Optional/subject to applicable cover

Initial Waiting Period

Optima Secure

30 days

VS

Active Fit Plus

30 days

Specific Waiting Period

Optima Secure

2 years

VS

Active Fit Plus

Information Unavailable

PED Waiting Period

Optima Secure

3 years

VS

Active Fit Plus

36 months

Modern Treatment

Optima Secure

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

VS

Active Fit Plus

Covered up to sum insured

Annual Health Checkup

Optima Secure

Health check-up is available after the first policy year

VS

Active Fit Plus

Once every policy year for eligible insured persons

Pre-Hospitalisation

Optima Secure

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

VS

Active Fit Plus

90 days

Post-Hospitalisation

Optima Secure

You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it

VS

Active Fit Plus

180 days

Outpatient Department Cover (OPD Expense)

Optima Secure

OPD expense is not included

VS

Active Fit Plus

Not part of standard hospitalisation cover; optional OPD available.

Deductible Option

Optima Secure

Available as an option

VS

Active Fit Plus

Not established as a standard inbuilt benefit

Coverage Options

Optima Secure

Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹1 Cr and ₹2 Cr

VS

Active Fit Plus

Individual, multi-individual, and family floater available.

Claim Settlement Ratio

Optima Secure

98%

VS

Active Fit Plus

97%

Maternity Cover

Optima Secure

Not in base plan; available as paid add-on.


VS

Active Fit Plus

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

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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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