Insurance Plans Comparison
Aditya Birla Active Fit Preferred vs Care Plus
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
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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
VS
Plus
Comprehensive Health Cover with Unlimited Recharge and Wellness Benefits
What Makes It Special:
Care Plus is a comprehensive health insurance plan from Care Health Insurance that combines hospitalisation cover with unlimited automatic recharge, inflation-linked sum insured increases, and a No Claim Bonus Protect benefit. It also offers annual health check-ups, OPD benefits and optional maternity and newborn cover. The available room category, co-payment...
Best For:
Eligible families considering optional maternity and newborn cover.
Customers interested in OPD and wellness-related benefits.
People seeking additional protection against rising medical costs.
Customers who value unlimited automatic recharge for repeated claims.
Individuals and families looking for comprehensive hospitalisation cover.
Insurance Plans Comparison
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Quick Decision Guide
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.
Check optional maternity cover, OPD limits, deductible choices and Smart Select co-payment conditions.
Compare the No Claim Bonus Protect and unlimited recharge conditions.
Review the 30-day initial, 24-month specific illness and 36-month PED waiting periods.
Check room eligibility carefully, particularly for sum insured below ₹5 lakh.
Choose a sum insured that reflects your family's potential hospitalisation expenses.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Active Fit Preferred Health Insurance Plan VS VS |
Plus Health Insurance Plan |
| Room Rent |
|---|
Active Fit Preferred Any room for sum insured 5 lakh and above. |
VS VS |
Plus
|
| ICU Charges |
|---|
Active Fit Preferred No capping, covered up to sum insured. |
VS VS |
Plus For sum insured below ₹5 lakh, ICU charges are limited to 2% of the sum insured per day under the referenced brochure. For sum insured of ₹5 lakh or more, ICU charges have no separate monetary limit, subject to policy terms. |
| Advanced Treatments |
|---|
Active Fit Preferred Information Unavailable |
VS VS |
Plus
|
| Co-payment |
|---|
Active Fit Preferred No. |
VS VS |
Plus Mandatory copayment limit of 20% for individuals above the age of 61. |
| Disease-wise sublimits |
|---|
Active Fit Preferred No broad disease sublimit identified; subject to policy terms. |
VS VS |
Plus Information Unavailable |
| Cashless Healthcare Providers |
|---|
Active Fit Preferred 16,500 + current insurer network |
VS VS |
Plus 24800 + network hospitals |
| Restoration Benefit |
|---|
Active Fit Preferred Binge refill - 100% sum insured, unlimited times |
VS VS |
Plus Unlimited automatic recharge of the sum insured is a key advertised benefit. The brochure states that it can be used for the same insured person and the same illness. Actual utilisation remains subject to the applicable recharge rules and policy conditions. |
| Cumulative Bonus |
|---|
Active Fit Preferred 10% per year, up to 100% |
VS VS |
Plus The No Claim Bonus Protect benefit increases the sum insured by 50% for each claim-free policy year, up to 200% of the base sum insured. The accrued bonus can reduce after a claim, subject to the policy's claim thresholds and bonus rules. |
| Daycare Treatment |
|---|
Active Fit Preferred All day care treatments covered up to sum insured. |
VS VS |
Plus 3 - 7 lacs sum insured for up to 24 hour hospitalization. |
| Consumable Cover |
|---|
Active Fit Preferred Optional/subject to applicable cover |
VS VS |
Plus Standard hospitalisation coverage should not be interpreted as coverage for every non-medical consumable. Consumables are covered only where included under the applicable policy terms or an eligible add-on. |
| AYUSH Treatment |
|---|
Active Fit Preferred Covered up to sum insured |
VS VS |
Plus 3 - 7 lacs sum insured for any non allopathic treatment covered by AYUSH. |
| Initial Waiting Period |
|---|
Active Fit Preferred 30 days |
VS VS |
Plus 30 days for illnesses from policy commencement. This waiting period does not apply to eligible accident-related treatment, subject to the policy terms. |
| Specific Waiting Period |
|---|
Active Fit Preferred 24 months |
VS VS |
Plus 24 months for specified illnesses and procedures listed in the policy. The applicable exclusions and conditions continue to apply. |
| PED Waiting Period |
|---|
Active Fit Preferred 48 months |
VS VS |
Plus 36 months for pre-existing diseases under the referenced policy version, subject to accurate disclosure, underwriting and applicable policy terms. |
| Modern Treatment |
|---|
Active Fit Preferred Covered up to sum insured. |
VS VS |
Plus Covers eligible advanced technology treatment methods listed under the policy, subject to medical necessity, admissibility conditions and the applicable sum insured. |
| Annual Health Checkup |
|---|
Active Fit Preferred Once every policy year |
VS VS |
Plus Available once in each policy year for each eligible insured member, subject to the insurer's prescribed arrangements and conditions. |
| Pre-Hospitalisation |
|---|
Active Fit Preferred 90 days |
VS VS |
Plus Covers eligible medical expenses for up to 60 days before hospitalisation, subject to the related hospitalisation claim being admissible. |
| Post-Hospitalisation |
|---|
Active Fit Preferred 180 days |
VS VS |
Plus |
| Outpatient Department Cover (OPD Expense) |
|---|
Active Fit Preferred Optional cover |
VS VS |
Plus OPD consultation and specified dental and ophthalmic treatment benefits are available within prescribed limits. The referenced brochure lists limits of ₹1,500 for sum insured of ₹5–7 lakh and ₹2,500 for sum insured of ₹10–25 lakh, with a maximum of ₹350 per consultation. Check the applicable variant terms for eligibility. |
| Deductible Option |
|---|
Active Fit Preferred Not established as a standard inbuilt benefit |
VS VS |
Plus Deductible options are available as optional choices, including ₹1 lakh, ₹2 lakh, ₹3 lakh and ₹5 lakh under the referenced prospectus. Availability and applicable terms depend on the selected policy option. |
| Coverage Options |
|---|
Active Fit Preferred Individual, multi-individual, family floater structure as applicable. |
VS VS |
Plus Deductible options are available as optional choices, including ₹1 lakh, ₹2 lakh, ₹3 lakh and ₹5 lakh under the referenced prospectus. Availability and applicable terms depend on the selected policy option. |
| Claim Settlement Ratio |
|---|
Active Fit Preferred 97% |
VS VS |
Plus Care Health Insurance's insurer-level claim settlement ratio is reported as 96.74% for FY 2024–25 in a secondary source referencing IRDAI data. This is an insurer-level metric, not a guarantee of approval for an individual Care Plus claim. |
| Maternity Cover |
|---|
Active Fit Preferred Yes, 40,000 normal/60,000 C-section. |
VS VS |
Plus Deductible options are available as optional choices, including ₹1 lakh, ₹2 lakh, ₹3 lakh and ₹5 lakh under the referenced prospectus. Availability and applicable terms depend on the selected policy option. |
Insurance Plans Comparison
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Insurance Plans Comparison
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