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Insurance Plans Comparison

Aditya Birla Active Fit Preferred vs HDFC ERGO Energy Silver Without Copay

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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Aditya Birla

Active 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
HDFC ERGO

Energy Silver Without Copay

Cover diabetes and hypertension from day one with no co-pay, pay for your own wellness tests, and get a one-time 100% restore plus 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 keeps claims free of co-payment while holding...

Best For:

  • Buyers who intend to participate in the wellness programme for the renewal discount even though they pay for the tests themselves

  • People who expect a sizeable hospitalisation, where a 20% co-payment would be costly in absolute terms

  • Buyers who prioritise full claim settlement over bundled wellness benefits when choosing between the four configurations

  • Buyers who already get HbA1c and lipid monitoring through an employer scheme or pay for it themselves and do not need the test cost bundled in

  • Individuals diagnosed with diabetes or hypertension who want day-one cover for that condition without contributing a share of each claim

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

  • 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.

  • 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.

  • You still need to undergo the wellness tests to earn reward points and the renewal discount of up to 25%, so factor the test cost into your running cost of the policy.

  • Compare it against the Silver plan with co-payment by calculating 20% of a realistic claim at your sum insured, because that is the amount the extra premium here buys out.

  • Compare this against the Gold plan without co-payment by pricing the two wellness tests locally, since the only stated difference between the plans is who bears that cost.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Active Fit Preferred
Active Fit Preferred

Health Insurance Plan

VS
Energy Silver Without Copay
Energy Silver Without Copay

Health Insurance Plan

Brochure

Room Rent

Active Fit Preferred

Any room for sum insured 5 lakh and above.

VS

Energy Silver Without Copay

  1. Normal:  coverage for hospital room rent without any sub-limits

     

  2. ICU: no limits
ICU Charges

Active Fit Preferred

No capping, covered up to sum insured.

VS

Energy Silver Without Copay

Not specified.

Advanced Treatments

Active Fit Preferred

Information Unavailable

VS

Energy Silver Without Copay

Includes modern medical procedures like robotic surgery, organ transplants, and advanced cancer treatments for enhanced healthcare access.

Co-payment

Active Fit Preferred

No.

VS

Energy Silver Without Copay

No copayments. Mentioned in the name of the policy itself.

Disease-wise sublimits

Active Fit Preferred

No broad disease sublimit identified; subject to policy terms.

VS

Energy Silver Without Copay

Not specified

Waiting Period

Active Fit Preferred

Information Unavailable

VS

Energy Silver Without Copay

  1.  Initial Waiting Period – 30 days from policy inception, except for accidental injuries.
  2. Pre-Existing Diseases (PED) – Covered after 2 years of continuous policy coverage.
  3. Specified Illnesses & Treatments – A waiting period of 2 years applies to certain listed conditions and procedures.
  4. Maternity Benefits (if applicable) – Typically covered after a 2 to 4-year waiting period, depending on policy terms.
  5. Lifestyle Diseases (Diabetes & Hypertension) – Covered after a specified waiting period as per policy terms.
Cashless Healthcare Providers

Active Fit Preferred

16,500 + current insurer network

VS

Energy Silver Without Copay

 16,000 cashless healthcare providers.

Restoration Benefit

Active Fit Preferred

Binge refill - 100% sum insured, unlimited times

VS

Energy Silver 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

Energy Silver Without Copay

Not covered — non-medical expenses are excluded

Daycare Treatment

Active Fit Preferred

All day care treatments covered up to sum insured.

VS

Energy Silver Without Copay

Covered under the policy. 

Consumable Cover

Active Fit Preferred

Optional/subject to applicable cover

VS

Energy Silver Without Copay

Not covered — non-medical expenses are excluded

AYUSH Treatment

Active Fit Preferred

Covered up to sum insured

VS

Energy Silver Without Copay

Covered under this policy

Initial Waiting Period

Active Fit Preferred

30 days

VS

Energy Silver 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

Energy Silver 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

Energy Silver 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

Energy Silver Without Copay

Not specified.

Annual Health Checkup

Active Fit Preferred

Once every policy year

VS

Energy Silver Without Copay

Two wellness tests per policy year are available, but their cost is excluded under the Silver plan and borne by the insured

Pre-Hospitalisation

Active Fit Preferred

90 days

VS

Energy Silver Without Copay

Information Unavailable

Post-Hospitalisation

Active Fit Preferred

180 days

VS

Energy Silver Without Copay

60 days

Outpatient Department Cover (OPD Expense)

Active Fit Preferred

Optional cover

VS

Energy Silver 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

Energy Silver Without Copay

Not specified

Coverage Options

Active Fit Preferred

Individual, multi-individual, family floater structure as applicable.

VS

Energy Silver Without Copay

Individual only — no family floater option

Claim Settlement Ratio

Active Fit Preferred

97%

VS

Energy Silver Without Copay

Information Unavailable

Maternity Cover

Active Fit Preferred

Yes, 40,000 normal/60,000 C-section.

VS

Energy Silver Without Copay

Not covered — pregnancy is excluded

Insurance Plans Comparison

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Why Choose Our Expert Consultation?

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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

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  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

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Insurance Plans Comparison

Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

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Family Health Plan

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

Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

Insurance Plans Comparison

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Active Fit Preferred Vs Energy Silver Without Copay

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