Insurance Plans Comparison
Aditya Birla Active Fit Plus vs Niva Bupa Health Assurance
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
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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
Health Assurance
Choose a listed critical-illness lump sum, accident cover and daily hospital cash as fixed benefits you can combine, with hospital cash paid for each day in hospital up to 45 days a year.
What Makes It Special:
Health Assurance is a Niva Bupa family plan made up of three separate covers. CritiCare pays a lump sum for listed critical illnesses. HospiCash pays a fixed daily cash amount during hospitalisation. AccidentCare pays for accidental death, permanent disability and temporary disability.
Best For:
Buyers who want lifelong renewal on all three covers
Parents who want child education benefits paid on an accidental death or permanent disability of the proposer
Working adults who want accident death, disability and income-loss cover
Buyers who want daily cash to cover incidental costs during a hospital stay
Families who want a lump sum if a listed critical illness is diagnosed
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.
The sum insured for AccidentCare and TTD is linked to annual income, so check the limits against your income.
Only 2 adults can be covered under a CritiCare family option, so check this before buying for a larger family.
AccidentCare has no waiting period, but it is available only to Risk Class 1 and 2 occupations, with a 50% loading for Risk Class 2.
HospiCash pays a fixed daily amount for up to 45 days a year, so it does not reimburse hospital bills.
CritiCare does not start for 90 days, and a 36-month PED wait applies, so buy early if you have a condition.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Active Fit Plus Health Insurance Plan VS VS |
Health Assurance Health Insurance Plan |
| Room Rent |
|---|
Active Fit Plus Any room for some in short 5 lakh and above. |
VS VS |
Health Assurance Normal: Covered up to Sum Insured ICU: Covered up to Sum Insured |
| ICU Charges |
|---|
Active Fit Plus No sublimit or caps. |
VS VS |
Health Assurance Under HospiCash, the ICU cash benefit is double the daily cash benefit for ICU stays, up to 7 days a year. |
| Advanced Treatments |
|---|
Active Fit Plus Information Unavailable |
VS VS |
Health Assurance Modern Treatments covered up to Sum Insured |
| Co-payment |
|---|
Active Fit Plus No mandatory co-payment identified. |
VS VS |
Health Assurance Optional co-payment available |
| Disease-wise sublimits |
|---|
Active Fit Plus Subject to policy terms. |
VS VS |
Health Assurance Information Unavailable |
| Cashless Healthcare Providers |
|---|
Active Fit Plus Current insurer network is 16,500+. |
VS VS |
Health Assurance 10,000+ Network Hospitals |
| Restoration Benefit |
|---|
Active Fit Plus Binge refill - 100% sum insured, unlimited times |
VS VS |
Health Assurance Information Unavailable |
| Cumulative Bonus |
|---|
Active Fit Plus 10% of SI per year, maximum 100% |
VS VS |
Health Assurance AccidentCare renewal benefit: the sum insured rises by 5% for each claim-free year, up to a total of 25%. Applies to all AccidentCare benefits except TTD and accident hospitalisation. |
| Daycare Treatment |
|---|
Active Fit Plus All daycare treatments up to sum insured |
VS VS |
Health Assurance Covered |
| Consumable Cover |
|---|
Active Fit Plus Optional/subject to applicable cover |
VS VS |
Health Assurance Please refer to the policy wording. |
| AYUSH Treatment |
|---|
Active Fit Plus Covered up to sum insured |
VS VS |
Health Assurance Covered up to Sum Insured |
| Initial Waiting Period |
|---|
Active Fit Plus 30 days |
VS VS |
Health Assurance CritiCare: 90 days. HospiCash: 30 days, except accidents. AccidentCare: none. |
| Specific Waiting Period |
|---|
Active Fit Plus Information Unavailable |
VS VS |
Health Assurance HospiCash only: 24 months for 17 listed conditions and procedures |
| PED Waiting Period |
|---|
Active Fit Plus 36 months |
VS VS |
Health Assurance 36 months for CritiCare and HospiCash |
| Modern Treatment |
|---|
Active Fit Plus Covered up to sum insured |
VS VS |
Health Assurance Not covered as a separate benefit. AccidentCare Hospitalisation covers surgery, room rent and related costs for accidental injury up to 2% of the AccidentCare sum insured. |
| Annual Health Checkup |
|---|
Active Fit Plus Once every policy year for eligible insured persons |
VS VS |
Health Assurance Kindly refer to the policy wording. |
| Pre-Hospitalisation |
|---|
Active Fit Plus 90 days |
VS VS |
Health Assurance Information Unavailable |
| Post-Hospitalisation |
|---|
Active Fit Plus 180 days |
VS VS |
Health Assurance Kindly refer to policy wording. |
| Outpatient Department Cover (OPD Expense) |
|---|
Active Fit Plus Not part of standard hospitalisation cover; optional OPD available. |
VS VS |
Health Assurance Not covered. |
| Deductible Option |
|---|
Active Fit Plus Not established as a standard inbuilt benefit |
VS VS |
Health Assurance Kindly refer to the policy wording. |
| Coverage Options |
|---|
Active Fit Plus Individual, multi-individual, and family floater available. |
VS VS |
Health Assurance AccidentCare (individual or family, with optional TTD and accident hospitalisation), CritiCare (individual or family floater, Option 1 lump sum or Option 2 lump sum with staggered payout), HospiCash (individual or family, daily cash). |
| Claim Settlement Ratio |
|---|
Active Fit Plus 97% |
VS VS |
Health Assurance Claim Settlement Ratio (CSR) of 93.3% as a three-year IRDAI weighted average, and 95.6% in recent quarterly company disclosures (Q1 FY 2026-27). |
| Maternity Cover |
|---|
Active Fit Plus Not available. |
VS VS |
Health Assurance Information Unavailable |
Insurance Plans Comparison
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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
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Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs
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Frequently Asked Questions (FAQs)
Having questions? We've got answers. Explore our FAQs to find the information you need.
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