Insurance Plans Comparison
Care Freedom vs Aditya Birla Active Fit Preferred
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read more
Freedom
Health Coverage for Diabetes, Hypertension, and High BMI with Short 2-Year PED Waiting Period
What Makes It Special:
Care Freedom provides health insurance coverage without pre-policy medical check-ups for individuals managing Diabetes, High Blood Pressure, or high BMI.
Best For:
Buyers wanting consumable daily allowance
Families looking for annual health check-ups.
Individuals seeking health insurance without undergoing pre-policy medical screening.
Customer is looking for a short two year PED waiting period
Buyers managing diabetes, hypertension, or elevated BMI.
VS
Active Fit Preferred
Activ Fit Preferred
What Makes It Special:
Activ Fit Preferred combines hospitalization coverage with fitness rewards and maternity protection. It includes unlimited Binge Refill, HealthReturns and a maternity benefit over and above the base Sum Insured.
Best For:
Buyers wanting unlimited refill protection
Customers interested in fitness-linked rewards
Buyers planning for maternity
Younger families
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
Co-payment provisions applied based on age
In-built, one time, automatic sum insured recharge
Includes annual health checkups for all covered adult member.
Requires no pre-policy medical checkup across all ages and sum insured choices.
Features are reduced 24 months waiting period for pre-existing diseases.
OPD consultation requires the relevant optional cover.
Health returns depend on wellness activity and applicable policy conditions.
The maternity waiting period should be considered before purchase.
Maternity benefits are a key differentiator of this variant.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Freedom Health Insurance Plan VS VS |
Active Fit Preferred Health Insurance Plan |
| Room Rent |
|---|
Freedom For ₹3 lakh and ₹5 lakh sum insured options, room rent is restricted to twin-sharing accommodation, subject to the applicable limit. For ₹7 lakh and ₹10 lakh options, single private room is covered. |
VS VS |
Active Fit Preferred Any room for sum insured 5 lakh and above. |
| ICU Charges |
|---|
Freedom ICU charges are covered up to 2% of the sum insured per day for ₹3 lakh sum insured, while there is no limit for ₹5 lakh, ₹7 lakh and ₹10 lakh sum insured options. |
VS VS |
Active Fit Preferred No capping, covered up to sum insured. |
| Co-payment |
|---|
Freedom 20% co-payment is applicable per claim. An additional 10% co-payment applies from the policy year following the insured person attaining 71 years of age, subject to the policy terms. |
VS VS |
Active Fit Preferred No. |
| Disease-wise sublimits |
|---|
Freedom Yes. Sublimits apply to specified treatments including cataract, total knee replacement, hernia, hysterectomy, BPH, renal stones, cardiovascular and cerebrovascular disorders, cancer, other renal complications and bone fractures. |
VS VS |
Active Fit Preferred No broad disease sublimit identified; subject to policy terms. |
| Cashless Healthcare Providers |
|---|
Freedom 11,600+ cashless network hospitals are available across India. |
VS VS |
Active Fit Preferred 16,500 + current insurer network |
| Restoration Benefit |
|---|
Freedom Yes, the base sum insured is automatically recharged by 100% upon exhaustion, subject to the policy terms. The recharged sum insured can be used for future claims. |
VS VS |
Active Fit Preferred Binge refill - 100% sum insured, unlimited times |
| Cumulative Bonus |
|---|
Freedom No cumulative bonus is available. |
VS VS |
Active Fit Preferred 10% per year, up to 100% |
| Daycare Treatment |
|---|
Freedom Covers all eligible Day Care Procedures up to the sum insured. |
VS VS |
Active Fit Preferred All day care treatments covered up to sum insured. |
| Consumable Cover |
|---|
Freedom Consumable allowance is available at ₹750 per day for ₹3 lakh and ₹5 lakh sum insured options, subject to a maximum of 7 days per hospitalisation after 3 days. |
VS VS |
Active Fit Preferred Optional/subject to applicable cover |
| AYUSH Treatment |
|---|
Freedom Covers AYUSH treatment expenses up to the sum insured during the policy period. |
VS VS |
Active Fit Preferred Covered up to sum insured |
| Initial Waiting Period |
|---|
Freedom 30 days for all illnesses, except accidental injuries. |
VS VS |
Active Fit Preferred 30 days |
| Specific Waiting Period |
|---|
Freedom 2 years for specified named ailments. |
VS VS |
Active Fit Preferred 24 months |
| PED Waiting Period |
|---|
Freedom 2 years for pre-existing diseases. |
VS VS |
Active Fit Preferred 48 months |
| Modern Treatment |
|---|
Freedom Coverage for treatment using specified advanced technology methods is not available under the plan. |
VS VS |
Active Fit Preferred Covered up to sum insured. |
| Annual Health Checkup |
|---|
Freedom Annual health checkup is available for all adult members insured under the policy. |
VS VS |
Active Fit Preferred Once every policy year |
| Pre-Hospitalisation |
|---|
Freedom Pre-hospitalisation expenses are covered subject to the applicable limit of 7.5% or 10% of payable hospitalisation expenses, depending on the plan option. |
VS VS |
Active Fit Preferred 90 days |
| Post-Hospitalisation |
|---|
Freedom |
VS VS |
Active Fit Preferred 180 days |
| Outpatient Department Cover (OPD Expense) |
|---|
Freedom OPD expense is not included in the base plan. |
VS VS |
Active Fit Preferred Optional cover |
| Deductible Option |
|---|
Freedom Not available as a standard deductible option. |
VS VS |
Active Fit Preferred Not established as a standard inbuilt benefit |
| Coverage Options |
|---|
Freedom Available coverage options: ₹3L, ₹5L, ₹7L and ₹10L. |
VS VS |
Active Fit Preferred Individual, multi-individual, family floater structure as applicable. |
| Claim Settlement Ratio |
|---|
Freedom 96.3% for the period April 2025 to December 2025. |
VS VS |
Active Fit Preferred 97% |
| Maternity Cover |
|---|
Freedom Not available. |
VS VS |
Active Fit Preferred Yes, 40,000 normal/60,000 C-section. |
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
From choosing the right policy to managing claims, every step is handled for you
Zero Spam. Zero Hassle
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.
Explore Our Most Popular Plans
Compare With Other Health Insurance Plans
Freedom vs Optima Secure
Freedom vs Optima Secure Plus
Freedom vs Cancer Cover Activ Cancer Secure Plan
Freedom vs Women Care
Freedom vs Activate Booster Plan A
Freedom vs Active Care Premier
Freedom vs ProHealth Accumulate
Freedom vs Supreme Shine
Freedom vs Optima Secure Global Plus
Freedom vs myHealth Suraksha Gold
Freedom vs LifeTime Health Global
Freedom vs Active Fit Plus
Freedom vs Activ Health Platinum Essential
Freedom vs Medicare Plus
Freedom vs Medicare Senior
Freedom vs Medicare Protect
Freedom vs Activ One SAVR
Freedom vs Active Assure Diamond
Freedom vs Activ One VIP
Freedom vs Advantage
Freedom vs Assure
Freedom vs Activ One Max
Freedom vs Classic
Freedom vs Activ One Vytl
Freedom vs Supreme
Freedom vs Joy Today
Freedom vs Medi Classic
Freedom vs Activate Booster Plan B
Freedom vs Health Recharge Super Top Up Plan
Freedom vs Plus Complete
Freedom vs EquiCover
Freedom vs Activ One VIP+
Freedom vs Reassure 3.0 Select
Freedom vs Medicare Premier
Freedom vs Plus Youth
Freedom vs Optima Lite
Freedom vs ProHealth Prime Protect
Freedom vs Supreme Senior Premium
Freedom vs myHealth Suraksha Platinum
Freedom vs Supreme Senior Super
Freedom vs Medicare
Freedom vs Ultimate (Direct)
Freedom vs Sarvah Param
Freedom vs Optima Insurance
Freedom vs Smart Super Health Assure
Freedom vs Health Guard Platinum
Freedom vs Health Guard Gold
Freedom vs Extra Care Plus Super Top-up
Freedom vs Health Care Supreme Smart
Freedom vs Medi Classic Gold
Freedom vs Smart Health Pro
Freedom vs Optima Super Secure
Freedom vs Special Care
Freedom vs Medicare LITE
Freedom vs Health Shield 360
Freedom vs SecureHealth
Freedom vs Supreme (Direct)
Freedom vs Mediclaim Insurance Policy
Freedom vs Young Star Gold
Freedom vs Senior
Freedom vs myHealth Koti Suraksha
Freedom vs myHealth Suraksha Silver
Freedom vs Cancer Care Platinum
Freedom vs Royal Sundaram Lifeline Elite
Freedom vs Supreme Enhance One
Freedom vs Supreme Enhance Two
Freedom vs Health Companion Variant 2022
Freedom vs Elder Care
Freedom vs HeartBeat Gold
Freedom vs Health SuperCharge
Freedom vs iHealth Plus
Freedom vs HeartBeat Enhanced
Freedom vs ProHealth Prime Advantage
Freedom vs Active Fit Preferred
Freedom vs Senior Health Advantage
Freedom vs Reassure 3.0 Elite
Freedom vs Reassure 2.0 Platinum+
Freedom vs Health Wallet
Freedom vs Heart
Freedom vs Elevate
Freedom vs Reassure 2.0 Titanium+
Freedom vs LifeTime Health
Freedom vs ProHealth Prime Active
Freedom vs ProHealth Prime Senior Elite
Freedom vs Advanced Top Up
Freedom vs Multiplier Health
Freedom vs Joy Tomorrow
Freedom vs Reassure 2.0 Bronze+
Freedom vs Star Women Care Policy
Freedom vs Young Star Silver
Freedom vs Reassure 3.0
Freedom vs Joy
Freedom vs Supreme Senior Health AdvantEdge
Freedom vs Family Plus
Freedom vs Criti Shield Plus
Freedom vs Health Care Supreme Ultimo
Freedom vs Health Shield 360 Retail
Freedom vs Supreme Super Saver
Freedom vs Super Star
Freedom vs Senior First Platinum
Freedom vs Optima Secure Global
Freedom vs NextGen
Freedom vs Health Insurance Platinum
Freedom vs Energy Silver With Copay
Active Fit Preferred vs Optima Secure
Active Fit Preferred vs Optima Secure Plus
Active Fit Preferred vs Cancer Cover Activ Cancer Secure Plan
Active Fit Preferred vs Women Care
Active Fit Preferred vs Activate Booster Plan A
Active Fit Preferred vs Active Care Premier
Active Fit Preferred vs ProHealth Accumulate
Active Fit Preferred vs Supreme Shine
Active Fit Preferred vs Optima Secure Global Plus
Active Fit Preferred vs myHealth Suraksha Gold
Active Fit Preferred vs LifeTime Health Global
Active Fit Preferred vs Active Fit Plus
Active Fit Preferred vs Activ Health Platinum Essential
Active Fit Preferred vs Medicare Plus
Active Fit Preferred vs Medicare Senior
Active Fit Preferred vs Medicare Protect
Active Fit Preferred vs Activ One SAVR
Active Fit Preferred vs Active Assure Diamond
Active Fit Preferred vs Activ One VIP
Active Fit Preferred vs Advantage
Active Fit Preferred vs Assure
Active Fit Preferred vs Activ One Max
Active Fit Preferred vs Classic
Active Fit Preferred vs Activ One Vytl
Active Fit Preferred vs Supreme
Active Fit Preferred vs Freedom
Active Fit Preferred vs Joy Today
Active Fit Preferred vs Medi Classic
Active Fit Preferred vs Activate Booster Plan B
Active Fit Preferred vs Health Recharge Super Top Up Plan
Active Fit Preferred vs Plus Complete
Active Fit Preferred vs EquiCover
Active Fit Preferred vs Activ One VIP+
Active Fit Preferred vs Reassure 3.0 Select
Active Fit Preferred vs Medicare Premier
Active Fit Preferred vs Plus Youth
Active Fit Preferred vs Optima Lite
Active Fit Preferred vs ProHealth Prime Protect
Active Fit Preferred vs Supreme Senior Premium
Active Fit Preferred vs myHealth Suraksha Platinum
Active Fit Preferred vs Supreme Senior Super
Active Fit Preferred vs Medicare
Active Fit Preferred vs Ultimate (Direct)
Active Fit Preferred vs Sarvah Param
Active Fit Preferred vs Optima Insurance
Active Fit Preferred vs Smart Super Health Assure
Active Fit Preferred vs Health Guard Platinum
Active Fit Preferred vs Health Guard Gold
Active Fit Preferred vs Extra Care Plus Super Top-up
Active Fit Preferred vs Health Care Supreme Smart
Active Fit Preferred vs Medi Classic Gold
Active Fit Preferred vs Smart Health Pro
Active Fit Preferred vs Optima Super Secure
Active Fit Preferred vs Special Care
Active Fit Preferred vs Medicare LITE
Active Fit Preferred vs Health Shield 360
Active Fit Preferred vs SecureHealth
Active Fit Preferred vs Supreme (Direct)
Active Fit Preferred vs Mediclaim Insurance Policy
Active Fit Preferred vs Young Star Gold
Active Fit Preferred vs Senior
Active Fit Preferred vs myHealth Koti Suraksha
Active Fit Preferred vs myHealth Suraksha Silver
Active Fit Preferred vs Cancer Care Platinum
Active Fit Preferred vs Royal Sundaram Lifeline Elite
Active Fit Preferred vs Supreme Enhance One
Active Fit Preferred vs Supreme Enhance Two
Active Fit Preferred vs Health Companion Variant 2022
Active Fit Preferred vs Elder Care
Active Fit Preferred vs HeartBeat Gold
Active Fit Preferred vs Health SuperCharge
Active Fit Preferred vs iHealth Plus
Active Fit Preferred vs HeartBeat Enhanced
Active Fit Preferred vs ProHealth Prime Advantage
Active Fit Preferred vs Senior Health Advantage
Active Fit Preferred vs Reassure 3.0 Elite
Active Fit Preferred vs Reassure 2.0 Platinum+
Active Fit Preferred vs Health Wallet
Active Fit Preferred vs Heart
Active Fit Preferred vs Elevate
Active Fit Preferred vs Reassure 2.0 Titanium+
Active Fit Preferred vs LifeTime Health
Active Fit Preferred vs ProHealth Prime Active
Active Fit Preferred vs ProHealth Prime Senior Elite
Active Fit Preferred vs Advanced Top Up
Active Fit Preferred vs Multiplier Health
Active Fit Preferred vs Joy Tomorrow
Active Fit Preferred vs Reassure 2.0 Bronze+
Active Fit Preferred vs Star Women Care Policy
Active Fit Preferred vs Young Star Silver
Active Fit Preferred vs Reassure 3.0
Active Fit Preferred vs Joy
Active Fit Preferred vs Supreme Senior Health AdvantEdge
Active Fit Preferred vs Family Plus
Active Fit Preferred vs Criti Shield Plus
Active Fit Preferred vs Health Care Supreme Ultimo
Active Fit Preferred vs Health Shield 360 Retail
Active Fit Preferred vs Supreme Super Saver
Active Fit Preferred vs Super Star
Active Fit Preferred vs Senior First Platinum
Active Fit Preferred vs Optima Secure Global
Active Fit Preferred vs NextGen
Active Fit Preferred vs Health Insurance Platinum
Active Fit Preferred vs Energy Silver With Copay
Related Blogs
Making Health Insurance Affordable: Is EMI Really the Best Way?
February 4, 2026 | OneAssure Team
Read MoreInsurance in 2026: Great for Your Wallet, But What’s Still Missing?
February 1, 2026 | OneAssure Team
Read MoreHow India’s Budget 2026 Could Shape the Future of Insurance - A Young Earner’s Guide.
February 1, 2026 | OneAssure Team
Read More.png)
Pre-Existing Disease in Health Insurance: All You Need to Know Before Buying
November 17, 2025 | Mahak Chauhan
Read More
ICICI Elevate vs Care Supreme: Which Health Plan Offers Better Coverage in 2025?
September 25, 2025 | OneAssure Team
Read More
Chat with PolicyPal
Get a free policy review
No pressure. No product push. Just honest advice.