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Insurance Plans Comparison

HDFC ERGO Optima Secure Plus 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 ₹10 lakh to ₹2 crore for individuals and families. It provides a Secure Benefit that doubles your coverage from day one, an Infinite Benefit that adds 100% of your base sum insured every year with no upper...

Best For:

  • Restoration-enabled Secure Health Policy

  • Coverage with Automatic Sum Boost

  • Multi-Benefit Medical Protection Plan

  • Comprehensive Family Health Insurance

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 Plus

  • Long-term loyalty rewards and discounts

  • Annual health check-ups and preventive care

  • No room-rent or ICU restrictions

  • Automatic sum insured restoration after claims

  • Coverage growth with Secure and Infinite Benefits

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 Plus
Optima Secure Plus

Health Insurance Plan

Brochure

Policy Wording

VS
Active Fit Plus
Active Fit Plus

Health Insurance Plan

Room Rent

Optima Secure Plus

Normal: Room Rent at Actuals

ICU: Covered at Actuals

VS

Active Fit Plus

Any room for some in short 5 lakh and above.

ICU Charges

Optima Secure Plus

No restriction on ICU room rent.

VS

Active Fit Plus

No sublimit or caps.

Advanced Treatments

Optima Secure Plus

Covered all Advanced/Modern treatments

VS

Active Fit Plus

Information Unavailable

Disease-wise sublimits

Optima Secure Plus

No

VS

Active Fit Plus

Subject to policy terms.

Co-payment

Optima Secure Plus

No Mandatory Co-payment

VS

Active Fit Plus

No mandatory co-payment identified.

Restoration Benefit

Optima Secure Plus

Yes — Automatic Restore Benefit: 100% of the Base Sum Insured is restored every time it is claimed (partially or fully), unlimited times in a policy year, for both related and unrelated illnesses.

VS

Active Fit Plus

Binge refill - 100% sum insured, unlimited times

Cashless Healthcare Providers

Optima Secure Plus

16000+ Healthcare Providers

VS

Active Fit Plus

Current insurer network is 16,500+.

Cumulative Bonus

Optima Secure Plus

Yes — Infinite Benefit: 100% of the Base Sum Insured is added at no extra cost after every policy year, irrespective of claims made, with no maximum cap (continues infinitely).

VS

Active Fit Plus

10% of SI per year, maximum 100%

Daycare Treatment

Optima Secure Plus

Covered up to Sum Insured

VS

Active Fit Plus

All daycare treatments up to sum insured

AYUSH Treatment

Optima Secure Plus

Covered up to SI under hospitalisation benefit.

VS

Active Fit Plus

Covered up to sum insured

Consumable Cover

Optima Secure Plus

Yes — Protect Benefit covers listed non-medical expenses during hospitalisation with zero deductions.

VS

Active Fit Plus

Optional/subject to applicable cover

Initial Waiting Period

Optima Secure Plus

30 Days


VS

Active Fit Plus

30 days

Specific Waiting Period

Optima Secure Plus

2 years

VS

Active Fit Plus

Information Unavailable

PED Waiting Period

Optima Secure Plus

3 years

VS

Active Fit Plus

36 months

Modern Treatment

Optima Secure Plus

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 Plus

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 Plus

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 Plus

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 Plus

Not included as part of base cover. Available via the Optima Wellbeing Add-on, which covers various outpatient benefits.

VS

Active Fit Plus

Not part of standard hospitalisation cover; optional OPD available.

Deductible Option

Optima Secure Plus

Available as an option.

VS

Active Fit Plus

Not established as a standard inbuilt benefit

Coverage Options

Optima Secure Plus

Available Base Sum Insured options: ₹10L / ₹15L / ₹20L / ₹25L / ₹50L / ₹1 Cr / ₹2 Cr

VS

Active Fit Plus

Individual, multi-individual, and family floater available.

Claim Settlement Ratio

Optima Secure Plus

Information Unavailable

VS

Active Fit Plus

97%

Maternity Cover

Optima Secure Plus

No. However, available as an 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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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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