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Insurance Plans Comparison

Aditya Birla Active Fit Plus vs TATA AIG Medicare

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
TATA AIG

Medicare

Tata AIG Medicare

What Makes It Special:

Tata AIG MediCare is a comprehensive health insurance plan that provides coverage for inpatient hospitalisation, Day Care Treatment, pre and post-hospitalisation expenses, domiciliary treatment and AYUSH treatment. The policy also includes benefits such as automatic restoration of the Sum Insured, Cumulative Bonus, preventive health check-ups, second medical opinion and additional...

Best For:

  • Customers who value additional healthcare services such as preventive health check-ups and second medical opinions.

  • Individuals looking for additional protection through restoration and Cumulative Bonus benefits.

  • Customers who want coverage for domiciliary treatment and AYUSH treatment.

  • Families looking for health insurance with Family Floater coverage.

  • Individuals looking for comprehensive hospitalisation and Day Care Treatment 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.

  • The policy also provides additional benefits such as preventive health check-ups, second medical opinion and other healthcare support, subject to the applicable limits and conditions.

  • Domiciliary Treatment is covered when the treatment exceeds three days and the applicable policy conditions are satisfied.

  • A 50% Cumulative Bonus is added after each claim-free policy year, up to a maximum of 100% of the Sum Insured, subject to policy conditions.

  • The policy provides automatic restoration of the Basic Sum Insured after the Sum Insured and accrued Cumulative Bonus are exhausted, subject to applicable conditions.

  • Consider Tata AIG MediCare if you want coverage for inpatient hospitalisation, Day Care Treatment, pre-hospitalisation and post-hospitalisation expenses.

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
Medicare
Medicare

Health Insurance Plan

Room Rent

Active Fit Plus

Any room for some in short 5 lakh and above.

VS

Medicare

  1. Normal: 2% of the sum insured per day
  2. ICU: 4% of the sum insured per day
ICU Charges

Active Fit Plus

No sublimit or caps.

VS

Medicare

4% of Sum Insured per day

Co-payment

Active Fit Plus

No mandatory co-payment identified.

VS

Medicare

No Specific Mandatory Co-payment Mentioned

Disease-wise sublimits

Active Fit Plus

Subject to policy terms.

VS

Medicare

Applicable to Specified Treatments

Waiting Period

Active Fit Plus

Information Unavailable

VS

Medicare

  1. Initial Waiting Periods: 30 Days
  2. Specific Diseases/procedures: 24 Months
  3. Pre-Existing Diseases: 36 Months
Cashless Healthcare Providers

Active Fit Plus

Current insurer network is 16,500+.

VS

Medicare

11,000+ Cashless Hospitals

Restoration Benefit

Active Fit Plus

Binge refill - 100% sum insured, unlimited times

VS

Medicare

Available Once for Road Traffic Accident

Cumulative Bonus

Active Fit Plus

10% of SI per year, maximum 100%

VS

Medicare

5% of Sum Insured per claim-free year

Daycare Treatment

Active Fit Plus

All daycare treatments up to sum insured

VS

Medicare

Cover expenses for listed Day Care Treatment due to disease/illness/injury during the policy period taken at a hospital or a Day Care Centre.

Consumable Cover

Active Fit Plus

Optional/subject to applicable cover

VS

Medicare

Not Covered as a Separate Benefit

AYUSH Treatment

Active Fit Plus

Covered up to sum insured

VS

Medicare

Cover for expenses incurred for treatment as in-patient in AYUSH Hospital.

Initial Waiting Period

Active Fit Plus

30 days

VS

Medicare

30 Days

Specific Waiting Period

Active Fit Plus

Information Unavailable

VS

Medicare

24 Months

PED Waiting Period

Active Fit Plus

36 months

VS

Medicare

36 Months

Modern Treatment

Active Fit Plus

Covered up to sum insured

VS

Medicare

Covered up to 25% of Sum Insured

Annual Health Checkup

Active Fit Plus

Once every policy year for eligible insured persons

VS

Medicare

Available as per Policy Terms

Pre-Hospitalisation

Active Fit Plus

90 days

VS

Medicare

Covered for Up to 30 Days

Post-Hospitalisation

Active Fit Plus

180 days

VS

Medicare

Covered for Up to 60 Days

Outpatient Department Cover (OPD Expense)

Active Fit Plus

Not part of standard hospitalisation cover; optional OPD available.

VS

Medicare

Not Covered under Base Policy

Deductible Option

Active Fit Plus

Not established as a standard inbuilt benefit

VS

Medicare

Not Specified

Coverage Options

Active Fit Plus

Individual, multi-individual, and family floater available.

VS

Medicare

₹1 Lakh to ₹10 Lakh

Claim Settlement Ratio

Active Fit Plus

97%

VS

Medicare

Not Specified

Maternity Cover

Active Fit Plus

Not available.

VS

Medicare

Not Covered

Insurance Plans Comparison

Still Confused? Get Expert Advice

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Why Choose Our Expert Consultation?

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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)

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