Insurance Plans Comparison
HDFC ERGO myHealth Suraksha Silver vs Aditya Birla Active Fit Preferred
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
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myHealth Suraksha Silver
myHealth Suraksha Silver
What Makes It Special:
myHealth Suraksha 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
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
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
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.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
myHealth Suraksha Silver Health Insurance Plan VS VS |
Active Fit Preferred Health Insurance Plan |
| Room Rent |
|---|
myHealth Suraksha Silver 1% of Sum Insured per day, subject to a maximum of ₹5,000 per day (if Room Rent Restriction Option is selected) 2% of Sum Insured per day, subject to a maximum of ₹10,000 per day (if Room Rent Restriction Option is selected) |
VS VS |
Active Fit Preferred Any room for sum insured 5 lakh and above. |
| Advanced Treatments |
|---|
myHealth Suraksha Silver All Advance Treatment are Covered |
VS VS |
Active Fit Preferred Information Unavailable |
| ICU Charges |
|---|
myHealth Suraksha Silver Information Unavailable |
VS VS |
Active Fit Preferred No capping, covered up to sum insured. |
| Co-payment |
|---|
myHealth Suraksha Silver Optional Co-payment available |
VS VS |
Active Fit Preferred No. |
| Disease-wise sublimits |
|---|
myHealth Suraksha Silver Information Unavailable |
VS VS |
Active Fit Preferred No broad disease sublimit identified; subject to policy terms. |
| Waiting Period |
|---|
myHealth Suraksha Silver Initial Waiting Period: 30 Days Pre-existing Disease Waiting Period: 48 Months |
VS VS |
Active Fit Preferred Information Unavailable |
| Cashless Healthcare Providers |
|---|
myHealth Suraksha Silver Available through network hospitals |
VS VS |
Active Fit Preferred 16,500 + current insurer network |
| Restoration Benefit |
|---|
myHealth Suraksha Silver Information Unavailable |
VS VS |
Active Fit Preferred Binge refill - 100% sum insured, unlimited times |
| Daycare Treatment |
|---|
myHealth Suraksha Silver Covered |
VS VS |
Active Fit Preferred All day care treatments covered up to sum insured. |
| Cumulative Bonus |
|---|
myHealth Suraksha Silver Information Unavailable |
VS VS |
Active Fit Preferred 10% per year, up to 100% |
| AYUSH Treatment |
|---|
myHealth Suraksha Silver Covered |
VS VS |
Active Fit Preferred Covered up to sum insured |
| Consumable Cover |
|---|
myHealth Suraksha Silver Information Unavailable |
VS VS |
Active Fit Preferred Optional/subject to applicable cover |
| Initial Waiting Period |
|---|
myHealth Suraksha Silver Information Unavailable |
VS VS |
Active Fit Preferred 30 days |
| Specific Waiting Period |
|---|
myHealth Suraksha Silver Information Unavailable |
VS VS |
Active Fit Preferred 24 months |
| PED Waiting Period |
|---|
myHealth Suraksha Silver Information Unavailable |
VS VS |
Active Fit Preferred 48 months |
| Modern Treatment |
|---|
myHealth Suraksha Silver Information Unavailable |
VS VS |
Active Fit Preferred Covered up to sum insured. |
| Annual Health Checkup |
|---|
myHealth Suraksha Silver Information Unavailable |
VS VS |
Active Fit Preferred Once every policy year |
| Pre-Hospitalisation |
|---|
myHealth Suraksha Silver Information Unavailable |
VS VS |
Active Fit Preferred 90 days |
| Post-Hospitalisation |
|---|
myHealth Suraksha Silver Information Unavailable |
VS VS |
Active Fit Preferred 180 days |
| Outpatient Department Cover (OPD Expense) |
|---|
myHealth Suraksha Silver Information Unavailable |
VS VS |
Active Fit Preferred Optional cover |
| Deductible Option |
|---|
myHealth Suraksha Silver Information Unavailable |
VS VS |
Active Fit Preferred Not established as a standard inbuilt benefit |
| Coverage Options |
|---|
myHealth Suraksha Silver Information Unavailable |
VS VS |
Active Fit Preferred Individual, multi-individual, family floater structure as applicable. |
| Claim Settlement Ratio |
|---|
myHealth Suraksha Silver Information Unavailable |
VS VS |
Active Fit Preferred 97% |
| Maternity Cover |
|---|
myHealth Suraksha Silver Information Unavailable |
VS VS |
Active Fit Preferred Yes, 40,000 normal/60,000 C-section. |
Insurance Plans Comparison
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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
Smart, Tech-Enabled Experience
From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free
Insurance Plans Comparison
Explore Insurance Category
Senior Citizen Health Plan
Secure against age-related medical costs
Tailored for seniors healthcare needs
Most Popular
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
Senior Citizen Health Plan
Secure against age-related medical costs
Tailored for seniors healthcare needs
Most Popular
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
Frequently Asked Questions (FAQs)
Having questions? We've got answers. Explore our FAQs to find the information you need.
Explore Our Most Popular Plans
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