Insurance Plans Comparison
Aditya Birla Active Fit Preferred vs Care Super Mediclaim
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
Super Mediclaim
Care Super Mediclaim offers health insurance options focused on specified critical illnesses, cancer, heart conditions and surgical procedures, subject to the selected variant and policy terms.
What Makes It Special:
Care Super Mediclaim is a health insurance product with four specialised variants: Critical Mediclaim, Cancer Mediclaim, Heart Mediclaim and Operation Mediclaim. Each variant is designed around defined medical conditions or procedures and may include hospitalisation, daycare, pre- and post-hospitalisation and other eligible benefits.
Best For:
Customers comparing specialised health coverage options alongside their existing health insurance.
Individuals seeking insurance for defined surgical procedures.
People looking for cover for specified heart-related conditions.
Customers seeking financial protection for eligible cancer treatment.
Individuals looking for cover focused on specified critical illnesses.
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.
Assess your overall coverage: Consider whether specialised cover complements your existing health insurance and financial needs.
Compare limits and exclusions: Review room eligibility, co-payments, deductibles and variant-specific restrictions.
Understand waiting periods: Initial, specified-illness and pre-existing disease waiting periods can affect when benefits become available.
Review the covered conditions: Check whether the treatment or diagnosis you want protection for is included.
Choose the right variant: Each option covers a different set of illnesses, conditions or procedures.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Active Fit Preferred Health Insurance Plan VS VS |
Super Mediclaim Health Insurance Plan |
| Room Rent |
|---|
Active Fit Preferred Any room for sum insured 5 lakh and above. |
VS VS |
Super Mediclaim Room eligibility depends on the sum insured and applicable variant. The official overview lists a single private room for certain sum insured levels and all room categories for higher eligible sum insured levels. Check the current policy schedule for the precise entitlement. |
| ICU Charges |
|---|
Active Fit Preferred No capping, covered up to sum insured. |
VS VS |
Super Mediclaim ICU expenses are covered subject to the sum insured and applicable policy terms. The official product overview lists ICU charges without a separate limit for the displayed variants. |
| Co-payment |
|---|
Active Fit Preferred No. |
VS VS |
Super Mediclaim A co-payment option may be available, and the applicable percentage depends on the policy selected. Check the current policy schedule for any mandatory or optional co-payment. |
| Disease-wise sublimits |
|---|
Active Fit Preferred No broad disease sublimit identified; subject to policy terms. |
VS VS |
Super Mediclaim Variant-specific conditions, procedures and benefits may have limits. Critical Mediclaim covers specified critical illnesses, Cancer Mediclaim covers eligible cancer-related treatment, Heart Mediclaim covers specified heart conditions, and Operation Mediclaim covers defined surgical procedures. |
| Cashless Healthcare Providers |
|---|
Active Fit Preferred 16,500 + current insurer network |
VS VS |
Super Mediclaim Cashless treatment is available at eligible network hospitals, subject to network status, pre-authorisation and policy conditions. The network may change over time. |
| Restoration Benefit |
|---|
Active Fit Preferred Binge refill - 100% sum insured, unlimited times |
VS VS |
Super Mediclaim Automatic recharge may be available as an optional benefit under applicable product versions. It should not be described as a standard or unlimited benefit unless confirmed in the current policy schedule. |
| Cumulative Bonus |
|---|
Active Fit Preferred 10% per year, up to 100% |
VS VS |
Super Mediclaim No-claim bonus can increase the sum insured by up to 100% over three consecutive claim-free policy years, subject to the applicable variant’s bonus schedule and claim conditions. |
| Daycare Treatment |
|---|
Active Fit Preferred All day care treatments covered up to sum insured. |
VS VS |
Super Mediclaim Eligible daycare procedures are covered up to the applicable sum insured, subject to the variant’s covered-procedure list and policy terms. |
| Consumable Cover |
|---|
Active Fit Preferred Optional/subject to applicable cover |
VS VS |
Super Mediclaim Separate comprehensive coverage for non-medical consumables is not established as a standard benefit in the reviewed product overview. Eligible hospital expenses remain subject to policy terms. |
| AYUSH Treatment |
|---|
Active Fit Preferred Covered up to sum insured |
VS VS |
Super Mediclaim Eligible AYUSH treatment is covered under applicable variants and policy conditions. The historical brochure identifies variant-specific restrictions, including limits for certain treatments. |
| Initial Waiting Period |
|---|
Active Fit Preferred 30 days |
VS VS |
Super Mediclaim Generally 30 days for illnesses from policy inception, except eligible claims arising from accidents, subject to policy terms. |
| Specific Waiting Period |
|---|
Active Fit Preferred 24 months |
VS VS |
Super Mediclaim A 24-month waiting period applies to specified illnesses or procedures where listed in the applicable policy wording. The applicable list depends on the variant. |
| PED Waiting Period |
|---|
Active Fit Preferred 48 months |
VS VS |
Super Mediclaim The historical product information lists a 36-month waiting period for pre-existing diseases. Any available reduction option and the applicable current waiting period must be checked against the selected policy version. |
| Modern Treatment |
|---|
Active Fit Preferred Covered up to sum insured. |
VS VS |
Super Mediclaim Coverage depends on the selected variant and applicable policy terms. Refer to the current variant wording for the eligible advanced procedures and limits. |
| Annual Health Checkup |
|---|
Active Fit Preferred Once every policy year |
VS VS |
Super Mediclaim Annual health check-ups are available from the second policy year after continuous coverage, subject to the applicable policy conditions. |
| Pre-Hospitalisation |
|---|
Active Fit Preferred 90 days |
VS VS |
Super Mediclaim Eligible medical expenses incurred during the 30 days immediately before hospitalisation are covered, subject to policy terms. |
| Post-Hospitalisation |
|---|
Active Fit Preferred 180 days |
VS VS |
Super Mediclaim Eligible post-hospitalisation medical expenses are covered for up to 60 days after discharge, subject to the policy terms and claim admissibility. |
| Outpatient Department Cover (OPD Expense) |
|---|
Active Fit Preferred Optional cover |
VS VS |
Super Mediclaim OPD benefits may be available for eligible covered conditions under the applicable variant and policy limits. Under the historical product information, OPD expenses are linked to an admissible hospitalisation claim for the same illness. |
| Deductible Option |
|---|
Active Fit Preferred Not established as a standard inbuilt benefit |
VS VS |
Super Mediclaim A deductible option may be available to reduce the premium. Availability, deductible amount and application conditions depend on the selected variant and policy schedule. |
| Coverage Options |
|---|
Active Fit Preferred Individual, multi-individual, family floater structure as applicable. |
VS VS |
Super Mediclaim Available variants include Critical Mediclaim for specified critical illnesses, Cancer Mediclaim for cancer, Heart Mediclaim for specified heart-related conditions and Operation Mediclaim for defined surgical procedures. |
| Claim Settlement Ratio |
|---|
Active Fit Preferred 97% |
VS VS |
Super Mediclaim Use Care Health Insurance’s insurer-level claim settlement ratio for the relevant financial year. Do not represent it as a product-specific ratio or a guarantee of claim approval. |
| Maternity Cover |
|---|
Active Fit Preferred Yes, 40,000 normal/60,000 C-section. |
VS VS |
Super Mediclaim Maternity cover is not identified as a standard benefit in the reviewed Super Mediclaim product overview. |
Insurance Plans Comparison
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Insurance Plans Comparison
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Frequently Asked Questions (FAQs)
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