Insurance Plans Comparison
Aditya Birla Active Fit Preferred vs HDFC ERGO Energy Gold Without Copay
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreActive Fit Preferred
Get maternity cover over and above the sum insured, up to ₹40,000 for a normal delivery and ₹60,000 for a C-section, plus unlimited refills of the sum insured for any illness or injury.
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
Energy Gold Without Copay
Cover diabetes and hypertension from day one with no co-pay, including cashless wellness tests at network centres, a one-time 100% restore and a 10% yearly bonus even after claims, up to 100% of the sum insured.
What Makes It Special:
Energy is written specifically for people already diagnosed with Type I or Type II diabetes, pre-diabetes or hypertension, and covers hospitalisation arising out of those conditions from the first day of the policy rather than after a pre-existing disease waiting period; this configuration pairs that with no co-payment on admissible...
Best For:
People who will actively use the wellness programme and reward points to bring down renewal premium
Buyers who want the cost of regular HbA1c and metabolic monitoring built into the policy rather than paid out of pocket
People with hypertension or pre-diabetes seeking hospitalisation cover for that condition without waiting two or more years
Buyers who want their admissible claims paid without contributing a 20% share of each one
Individuals already diagnosed with Type I or Type II diabetes who would otherwise face a long pre-existing disease waiting period on a standard health plan
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.
This is an individual-only policy with no floater option, so if a spouse or parent also needs cover, budget for separate policies rather than adding them to this one.
Use network centres for the wellness tests: at an approved non-network centre reimbursement is capped at ₹2,000, and at a non-approved centre nothing is reimbursed and no reward points are earned.
Gold costs more than Silver because it includes the wellness test cost, so compare that premium difference against what the two tests would cost you privately each year.
The day-one cover applies to hospitalisation arising out of diabetes and hypertension only, so any other pre-existing condition still waits 24 months and should be declared at proposal.
This configuration costs more than the 20% co-payment version, so compare the extra premium against what a 20% share of a realistic claim at your sum insured would actually cost you.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Active Fit Preferred Health Insurance Plan VS VS |
![]() Energy Gold Without Copay Health Insurance Plan |
| Room Rent |
|---|
Active Fit Preferred Any room for sum insured 5 lakh and above. |
VS VS |
Energy Gold Without Copay
|
| ICU Charges |
|---|
Active Fit Preferred No capping, covered up to sum insured. |
VS VS |
Energy Gold Without Copay Not specified |
| Advanced Treatments |
|---|
Active Fit Preferred Information Unavailable |
VS VS |
Energy Gold Without Copay
|
| Co-payment |
|---|
Active Fit Preferred No. |
VS VS |
Energy Gold Without Copay No copayment |
| Disease-wise sublimits |
|---|
Active Fit Preferred No broad disease sublimit identified; subject to policy terms. |
VS VS |
Energy Gold Without Copay Information Unavailable |
| Cashless Healthcare Providers |
|---|
Active Fit Preferred 16,500 + current insurer network |
VS VS |
Energy Gold Without Copay 16,000 cashless healthcare providers. |
| Restoration Benefit |
|---|
Active Fit Preferred Binge refill - 100% sum insured, unlimited times |
VS VS |
Energy Gold Without Copay Restore Benefit stated as available; the restoration amount, number of restorations and conditions are Not specified in the available literature |
| Cumulative Bonus |
|---|
Active Fit Preferred 10% per year, up to 100% |
VS VS |
Energy Gold Without Copay Stated as available; the bonus percentage, cap and conditions are Not specified. |
| Daycare Treatment |
|---|
Active Fit Preferred All day care treatments covered up to sum insured. |
VS VS |
Energy Gold Without Copay Covered under the policy. |
| Consumable Cover |
|---|
Active Fit Preferred Optional/subject to applicable cover |
VS VS |
Energy Gold Without Copay Information Unavailable |
| AYUSH Treatment |
|---|
Active Fit Preferred Covered up to sum insured |
VS VS |
Energy Gold Without Copay Covered under this policy |
| Initial Waiting Period |
|---|
Active Fit Preferred 30 days |
VS VS |
Energy Gold Without Copay Not specified. No waiting period applies to hospitalisation arising out of diabetes or hypertension |
| Specific Waiting Period |
|---|
Active Fit Preferred 24 months |
VS VS |
Energy Gold Without Copay 24 months for specified diseases including cataract, hernia, joint replacement surgeries and surgery of hydrocele |
| PED Waiting Period |
|---|
Active Fit Preferred 48 months |
VS VS |
Energy Gold Without Copay 24 months for pre-existing conditions other than diabetes or hypertension; diabetes and hypertension covered from day one. Waiting periods reduce by 1 year on each continuous renewal |
| Modern Treatment |
|---|
Active Fit Preferred Covered up to sum insured. |
VS VS |
Energy Gold Without Copay Not specified |
| Annual Health Checkup |
|---|
Active Fit Preferred Once every policy year |
VS VS |
Energy Gold Without Copay Two wellness tests per policy year, cost included under the Gold plan — cashless at network centres, up to ₹2,000 reimbursed at an approved non-network centre, nil at a non-approved centre |
| Pre-Hospitalisation |
|---|
Active Fit Preferred 90 days |
VS VS |
Energy Gold Without Copay 30 days |
| Post-Hospitalisation |
|---|
Active Fit Preferred 180 days |
VS VS |
Energy Gold Without Copay 60 days |
| Outpatient Department Cover (OPD Expense) |
|---|
Active Fit Preferred Optional cover |
VS VS |
Energy Gold Without Copay Not covered as a benefit. Reward points can instead reimburse up to 25% of renewal premium towards medical expenses such as consultations, medicines, diagnostics and dental expenses not covered under any medical insurance |
| Deductible Option |
|---|
Active Fit Preferred Not established as a standard inbuilt benefit |
VS VS |
Energy Gold Without Copay Not specified |
| Coverage Options |
|---|
Active Fit Preferred Individual, multi-individual, family floater structure as applicable. |
VS VS |
Energy Gold Without Copay Individual only — no family floater option |
| Claim Settlement Ratio |
|---|
Active Fit Preferred 97% |
VS VS |
Energy Gold Without Copay 97.45% |
| Maternity Cover |
|---|
Active Fit Preferred Yes, 40,000 normal/60,000 C-section. |
VS VS |
Energy Gold Without Copay Not covered — pregnancy is excluded |
Insurance Plans Comparison
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Insurance Plans Comparison
Explore Insurance Category
Senior Citizen Health Plan
Secure against age-related medical costs
Tailored for seniors healthcare needs
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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
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