Insurance Plans Comparison
Aditya Birla Active Fit Plus vs TATA AIG Medicare Senior
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 Senior
Medicare Senior
What Makes It Special:
Comprehensive health insurance coverage with hospitalization, day care, pre and post-hospitalization, AYUSH, restoration and additional health benefits.
Best For:
Customers looking for additional protection through benefits such as global cover, consumables and second medical opinion
Individuals seeking additional benefits such as restoration, Cumulative Bonus and preventive health check-ups
Customers looking for AYUSH treatment and domiciliary hospitalization coverage
Individuals seeking inpatient and Day Care Treatment coverage
Senior citizens looking for comprehensive health insurance 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.
Consider Before Buying: Choosing a room category higher than the eligible category mentioned in the policy schedule results in the policyholder bearing 10% of the admissible claim amount.
Consider Before Buying: A 36-month waiting period applies to pre-existing diseases and a 24-month waiting period applies to specified diseases and procedures, subject to the policy terms.
Reasons to Consider: A 50% Cumulative Bonus is added after every claim-free policy year, up to a maximum of 100% of the Sum Insured.
Reasons to Consider: The policy provides automatic restoration of the Basic Sum Insured once during the policy period, subject to applicable conditions.
Reasons to Consider: The policy covers inpatient treatment, Day Care Treatment, pre and post-hospitalization expenses, AYUSH treatment and domiciliary hospitalization.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Active Fit Plus Health Insurance Plan VS VS |
Medicare Senior Health Insurance Plan |
| Room Rent |
|---|
Active Fit Plus Any room for some in short 5 lakh and above. |
VS VS |
Medicare Senior Covered according to the room category specified in the Policy Schedule. |
| ICU Charges |
|---|
Active Fit Plus No sublimit or caps. |
VS VS |
Medicare Senior Covered as part of eligible inpatient hospitalisation expenses, subject to the Sum Insured and policy terms. |
| Co-payment |
|---|
Active Fit Plus No mandatory co-payment identified. |
VS VS |
Medicare Senior 10% of the admissible claim amount applies when the insured chooses a room category higher than the eligible room category. |
| Disease-wise sublimits |
|---|
Active Fit Plus Subject to policy terms. |
VS VS |
Medicare Senior Applicable limits may apply to specific benefits and treatments as specified in the policy. |
| Cashless Healthcare Providers |
|---|
Active Fit Plus Current insurer network is 16,500+. |
VS VS |
Medicare Senior Cashless treatment available at network providers, subject to pre-authorisation and applicable policy conditions. |
| Restoration Benefit |
|---|
Active Fit Plus Binge refill - 100% sum insured, unlimited times |
VS VS |
Medicare Senior Basic Sum Insured is automatically restored once during the policy period after exhaustion of the Sum Insured and accrued Cumulative Bonus, subject to applicable conditions. |
| Cumulative Bonus |
|---|
Active Fit Plus 10% of SI per year, maximum 100% |
VS VS |
Medicare Senior 50% of Sum Insured for every claim-free year, up to a maximum of 100% of Sum Insured. |
| Daycare Treatment |
|---|
Active Fit Plus All daycare treatments up to sum insured |
VS VS |
Medicare Senior Listed Day Care Procedures are covered as specified under the policy. |
| Consumable Cover |
|---|
Active Fit Plus Optional/subject to applicable cover |
VS VS |
Medicare Senior Covered for specified consumables as per the policy terms. |
| AYUSH Treatment |
|---|
Active Fit Plus Covered up to sum insured |
VS VS |
Medicare Senior Covered for eligible inpatient treatment in an AYUSH Hospital. |
| Initial Waiting Period |
|---|
Active Fit Plus 30 days |
VS VS |
Medicare Senior 30 days, except for claims arising from accidents |
| Specific Waiting Period |
|---|
Active Fit Plus Information Unavailable |
VS VS |
Medicare Senior 24 months for specified diseases and procedures, subject to applicable policy terms. |
| PED Waiting Period |
|---|
Active Fit Plus 36 months |
VS VS |
Medicare Senior 36 months of continuous coverage. |
| Modern Treatment |
|---|
Active Fit Plus Covered up to sum insured |
VS VS |
Medicare Senior Covered as per applicable policy terms and conditions. |
| Annual Health Checkup |
|---|
Active Fit Plus Once every policy year for eligible insured persons |
VS VS |
Medicare Senior Available once after every two continuous claim-free policy years, subject to the applicable limit and policy conditions. |
| Pre-Hospitalisation |
|---|
Active Fit Plus 90 days |
VS VS |
Medicare Senior Covered for up to 60 days before hospitalisation. |
| Post-Hospitalisation |
|---|
Active Fit Plus 180 days |
VS VS |
Medicare Senior Covered for up to 90 days after discharge. |
| Outpatient Department Cover (OPD Expense) |
|---|
Active Fit Plus Not part of standard hospitalisation cover; optional OPD available. |
VS VS |
Medicare Senior Not covered as a general base OPD benefit. |
| Deductible Option |
|---|
Active Fit Plus Not established as a standard inbuilt benefit |
VS VS |
Medicare Senior Not specified as a standard deductible option. |
| Coverage Options |
|---|
Active Fit Plus Individual, multi-individual, and family floater available. |
VS VS |
Medicare Senior Individual and Family Floater options, subject to the Sum Insured options available under the policy. |
| Claim Settlement Ratio |
|---|
Active Fit Plus 97% |
VS VS |
Medicare Senior Not specified in the supplied policy document. |
| Maternity Cover |
|---|
Active Fit Plus Not available. |
VS VS |
Medicare Senior Not covered under the base policy. |
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
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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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