Insurance Plans Comparison
Aditya Birla Active Fit Preferred vs HDFC ERGO Energy Silver With Copay
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreActive Fit Preferred
Activ Fit Preferred
What Makes It Special:
Active Fit is designed for those who want comprehensive coverage without restrictions. It offers extensive coverage for modern treatments and innovative features.
Best For:
- Not available
VS
Energy Silver With Copay
HDFC ERGO Energy Silver Plan
What Makes It Special:
Energy Silver focuses on providing essential health coverage at an affordable premium. It's designed for budget-conscious individuals who want reliable coverage.
Best For:
Day-one coverage, no waiting period
Reward-based health insurance plan
Comprehensive wellness-focused protection
Dedicated diabetes and hypertension 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
Not available
You need pre and post-hospitalization costs covered
You appreciate restore and cumulative bonus on sum insured
You want reward points for maintaining health
You need day-one hospitalization, no waiting period
You want health cover for diabetes or hypertension
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Active Fit Preferred Health Insurance Plan VS VS |
![]() Energy Silver With Copay Health Insurance Plan |
| Room Rent |
|---|
Active Fit Preferred Normal: For a Sum Insured of ₹5 Lacs & above, Any Room category is covered. ICU: Covered at actuals. |
VS VS |
Energy Silver With Copay All room categories are covered |
| Advanced Treatments |
|---|
Active Fit Preferred Covers modern medical treatments such as robotic surgeries, stem cell therapy, and balloon sinuplasty up to the full Sum Insured. |
VS VS |
Energy Silver With Copay Not Available |
| ICU Charges |
|---|
Active Fit Preferred Not Available |
VS VS |
Energy Silver With Copay No restriction on ICU room rent |
| Co-payment |
|---|
Active Fit Preferred No co-payment. The insurer covers 100% of the admissible claim up to the sum insured. |
VS VS |
Energy Silver With Copay Available as an option |
| Disease-wise sublimits |
|---|
Active Fit Preferred Not Available |
VS VS |
Energy Silver With Copay No |
| Waiting Period |
|---|
Active Fit Preferred Initial Waiting Period: 30 days for all illnesses (except accidents). Pre-existing Disease Waiting Period: 36 months (3 years). |
VS VS |
Energy Silver With Copay Not Available |
| Cashless Healthcare Providers |
|---|
Active Fit Preferred 10,000+ partner hospitals |
VS VS |
Energy Silver With Copay 15,000+ Healthcare Providers |
| Restoration Benefit |
|---|
Active Fit Preferred Not Available |
VS VS |
Energy Silver With Copay Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses |
| Daycare Treatment |
|---|
Active Fit Preferred All day care treatments are covered up to the full Sum Insured. |
VS VS |
Energy Silver With Copay Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
| Cumulative Bonus |
|---|
Active Fit Preferred Not Available |
VS VS |
Energy Silver With Copay Your sum insured increases by 10% every year, maximum up to 100% |
| AYUSH Treatment |
|---|
Active Fit Preferred Alternative treatments (Ayurveda, Yoga, Unani, Siddha, Homeopathy) are covered up to the Sum Insured. |
VS VS |
Energy Silver With Copay Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Consumable Cover |
|---|
Active Fit Preferred Not Available |
VS VS |
Energy Silver With Copay Yes |
| Initial Waiting Period |
|---|
Active Fit Preferred Not Available |
VS VS |
Energy Silver With Copay 30 days |
| Specific Waiting Period |
|---|
Active Fit Preferred Not Available |
VS VS |
Energy Silver With Copay 2 years |
| PED Waiting Period |
|---|
Active Fit Preferred Not Available |
VS VS |
Energy Silver With Copay 2 years |
| Modern Treatment |
|---|
Active Fit Preferred Not Available |
VS VS |
Energy Silver With Copay Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
| Annual Health Checkup |
|---|
Active Fit Preferred Not Available |
VS VS |
Energy Silver With Copay Health check-up is available twice every policy year, from day 1 of the policy |
| Pre-Hospitalisation |
|---|
Active Fit Preferred Not Available |
VS VS |
Energy Silver With Copay You get cover for medical tests and doctor visits up to 30 days before hospitalisation, if your main claim is approved |
| Post-Hospitalisation |
|---|
Active Fit Preferred Not Available |
VS VS |
Energy Silver With Copay You get cover for medical bills up to 60 days after discharge, including physiotherapy if your doctor prescribes it |
| Outpatient Department Cover (OPD Expense) |
|---|
Active Fit Preferred Not Available |
VS VS |
Energy Silver With Copay OPD expense is not included |
| Deductible Option |
|---|
Active Fit Preferred Not Available |
VS VS |
Energy Silver With Copay Not available |
| Coverage Options |
|---|
Active Fit Preferred Not Available |
VS VS |
Energy Silver With Copay Available coverage options: ₹2L, 3L, 5L, 10L, 20L, 25L, 50L |
| Claim Settlement Ratio |
|---|
Active Fit Preferred Not Available |
VS VS |
Energy Silver With Copay 95% |
| Maternity Cover |
|---|
Active Fit Preferred Not Available |
VS VS |
Energy Silver With Copay Not available |
Insurance Plans Comparison
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Why Choose Our Expert Consultation?
What Our Experts Help You With
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From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free
Insurance Plans Comparison
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Frequently Asked Questions (FAQs)
Having questions? We've got answers. Explore our FAQs to find the information you need.
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