Insurance Plans Comparison
Aditya Birla Active Fit Plus vs TATA AIG Medicare Select
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
Medicare Select
Comprehensive Health Insurance with Flexible Coverage Options, Unlimited Restoration and Customisable Benefits
What Makes It Special:
TATA AIG MediCare Select is a customisable health insurance plan offering individual and family floater coverage. It combines core hospitalisation benefits with optional features that allow policyholders to adjust their cover to their needs and budget.
Best For:
Flexible sum insured options
Critical illness and daycare treatments
Pre- and post-hospitalization expenses covered
Comprehensive individual and family 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.
Covers daycare treatments without overnight stay.
Pre- and post-hospitalization expenses included.
Safeguards against critical illness and emergencies.
Comprehensive coverage for hospitalization and treatment.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Active Fit Plus Health Insurance Plan VS VS |
Medicare Select Health Insurance Plan |
| Room Rent |
|---|
Active Fit Plus Any room for some in short 5 lakh and above. |
VS VS |
Medicare Select Single private AC room is included as part of base cover. However, you can opt for add-on to downgrade the room category |
| ICU Charges |
|---|
Active Fit Plus No sublimit or caps. |
VS VS |
Medicare Select No restriction on ICU room rent |
| Co-payment |
|---|
Active Fit Plus No mandatory co-payment identified. |
VS VS |
Medicare Select Not available |
| Disease-wise sublimits |
|---|
Active Fit Plus Subject to policy terms. |
VS VS |
Medicare Select No |
| Cashless Healthcare Providers |
|---|
Active Fit Plus Current insurer network is 16,500+. |
VS VS |
Medicare Select 12,000+ Healthcare Providers |
| Restoration Benefit |
|---|
Active Fit Plus Binge refill - 100% sum insured, unlimited times |
VS VS |
Medicare Select es, your sum insured restores to 100% unlimited times after your first claim, for both related and unrelated illnesses |
| Cumulative Bonus |
|---|
Active Fit Plus 10% of SI per year, maximum 100% |
VS VS |
Medicare Select Your sum insured increases by 50% for every claim-free year, upto 100%. If a claim is made during the policy year, the cumulative bonus is reduced by 50% in the next policy year |
| Daycare Treatment |
|---|
Active Fit Plus All daycare treatments up to sum insured |
VS VS |
Medicare Select 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 |
Medicare Select No. However, available as an add-on |
| AYUSH Treatment |
|---|
Active Fit Plus Covered up to sum insured |
VS VS |
Medicare Select Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Initial Waiting Period |
|---|
Active Fit Plus 30 days |
VS VS |
Medicare Select 30 days |
| Specific Waiting Period |
|---|
Active Fit Plus Information Unavailable |
VS VS |
Medicare Select 2 years |
| PED Waiting Period |
|---|
Active Fit Plus 36 months |
VS VS |
Medicare Select 3 years |
| Modern Treatment |
|---|
Active Fit Plus Covered up to sum insured |
VS VS |
Medicare Select 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 |
Medicare Select Health checkup is not included as part of base cover. However, available as an add-on |
| Pre-Hospitalisation |
|---|
Active Fit Plus 90 days |
VS VS |
Medicare Select You get cover for medical tests and doctor visits up to 90 days before hospitalisation, if your main claim is approved |
| Post-Hospitalisation |
|---|
Active Fit Plus 180 days |
VS VS |
Medicare Select You get cover for medical bills up to 90 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 |
Medicare Select OPD expense is not included as part of base cover. However, available as an add-on |
| Deductible Option |
|---|
Active Fit Plus Not established as a standard inbuilt benefit |
VS VS |
Medicare Select Available as an option |
| Coverage Options |
|---|
Active Fit Plus Individual, multi-individual, and family floater available. |
VS VS |
Medicare Select Available coverage options: ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr, ₹2 Cr, ₹3 Cr |
| Claim Settlement Ratio |
|---|
Active Fit Plus 97% |
VS VS |
Medicare Select 95.43% |
| Maternity Cover |
|---|
Active Fit Plus Not available. |
VS VS |
Medicare Select 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?
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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.
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