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Insurance Plans Comparison

Aditya Birla Active Fit Plus vs Niva Bupa Health Recharge

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
Niva Bupa

Health Recharge

Super top-up health insurance for additional financial protection against hospitalisation expenses.

What Makes It Special:

Niva Bupa Health Recharge is a super top-up plan designed to provide additional health insurance protection after the selected annual aggregate deductible is exhausted. It offers inpatient hospitalisation cover, pre- and post-hospitalisation expenses, daycare treatment, loyalty additions on eligible base cover, and optional personal accident and critical illness benefits.

Best For:

  • Buyers who want a super top-up plan with loyalty additions on eligible Base Sum Insured.

  • People looking for optional personal accident or critical illness cover.

  • Buyers who want to supplement an existing base health insurance policy.

  • Families seeking a higher total health cover with a chosen deductible.

  • People who already have employer-provided or individual health insurance and want additional cover.

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.

Niva Bupa Health Recharge

  • Compare the additional premium and coverage limits for optional personal accident and critical illness benefits.

  • Review the waiting periods and exclusions in the complete policy wording before purchasing.

  • Confirm the applicable Base Sum Insured, room-rent conditions and any benefit sub-limits.

  • Check whether your existing health insurance cover and the selected deductible work well together.

  • Choose a deductible you can comfortably pay before the plan begins contributing.

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
Health Recharge
Health Recharge

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Active Fit Plus

Any room for some in short 5 lakh and above.

VS

Health Recharge

Below ₹5L SI: 1% of SI per day limit; ₹5L+ SI: no monetary cap, single private room eligible.

ICU Charges

Active Fit Plus

No sublimit or caps.

VS

Health Recharge

Covered up to sum insured with no specific restrictions.

Co-payment

Active Fit Plus

No mandatory co-payment identified.

VS

Health Recharge

Not applicable; annual aggregate deductible is the cost-sharing mechanism.

Disease-wise sublimits

Active Fit Plus

Subject to policy terms.

VS

Health Recharge

Yes, modern treatments have specific sublimits; mental disorder treatment: 10% SI (max ₹50K)

Cashless Healthcare Providers

Active Fit Plus

Current insurer network is 16,500+.

VS

Health Recharge

10,000+ Niva Bupa empanelled network hospitals.

Restoration Benefit

Active Fit Plus

Binge refill - 100% sum insured, unlimited times

VS

Health Recharge

Not available under Health Recharge plan.

Cumulative Bonus

Active Fit Plus

10% of SI per year, maximum 100%

VS

Health Recharge

Loyalty Additions: 5% annual increase of base SI up to 50% maximum (only for SI up to ₹25L).

Daycare Treatment

Active Fit Plus

All daycare treatments up to sum insured

VS

Health Recharge

All eligible day-care treatments covered up to sum insured.

Consumable Cover

Active Fit Plus

Optional/subject to applicable cover

VS

Health Recharge

Yes, medicines, drugs and consumables as prescribed by treating practitioner.

AYUSH Treatment

Active Fit Plus

Covered up to sum insured

VS

Health Recharge

Covers Ayurveda, Yoga, Unani, Siddha, Homoeopathy as in-patient treatment up to base SI.

Initial Waiting Period

Active Fit Plus

30 days

VS

Health Recharge

30 days from first policy commencement (no exception for accidents).

Specific Waiting Period

Active Fit Plus

Information Unavailable

VS

Health Recharge

24 months for specified diseases and procedures listed in policy.

PED Waiting Period

Active Fit Plus

36 months

VS

Health Recharge

36 months continuous coverage from policy inception.

Modern Treatment

Active Fit Plus

Covered up to sum insured

VS

Health Recharge

Covers oral chemotherapy, robotic surgeries, intra-vitreal injections, deep brain stimulation with per-treatment sub-limits.

Annual Health Checkup

Active Fit Plus

Once every policy year for eligible insured persons

VS

Health Recharge

Not listed as base benefit; health assessment available separately.

Pre-Hospitalisation

Active Fit Plus

90 days

VS

Health Recharge

Up to 60 days before hospitalisation when related claim is admissible.

Post-Hospitalisation

Active Fit Plus

180 days

VS

Health Recharge

Up to 90 days after discharge for eligible medical expenses.

Outpatient Department Cover (OPD Expense)

Active Fit Plus

Not part of standard hospitalisation cover; optional OPD available.

VS

Health Recharge

Not available; plan provides unlimited e-consultation and pharmacy/diagnostic access.

Deductible Option

Active Fit Plus

Not established as a standard inbuilt benefit

VS

Health Recharge

Mandatory annual aggregate deductible: ₹10K, ₹25K, ₹50K options available.

Coverage Options

Active Fit Plus

Individual, multi-individual, and family floater available.

VS

Health Recharge

₹2L, ₹3L, ₹4L, ₹5L, ₹7.5L, ₹10L, ₹15L, ₹25L, ₹40L, ₹45L, ₹65L, ₹70L, ₹90L, ₹95L.

Claim Settlement Ratio

Active Fit Plus

97%

VS

Health Recharge

80%

Maternity Cover

Active Fit Plus

Not available.

VS

Health Recharge

Excluded under this policy.

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

Zero Spam. Zero Hassle

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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