Insurance Plans Comparison
Aditya Birla Active Fit Preferred vs HDFC ERGO Optima Secure Global
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
Optima Secure Global
Optima Secure Global
What Makes It Special:
Optima Secure focuses on providing essential health coverage at an affordable premium. It's designed for budget-conscious individuals who want reliable coverage.
Best For:
- Not available
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.
Not available
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Active Fit Preferred Health Insurance Plan VS VS |
Optima Secure Global Health Insurance Plan |
| Room Rent |
|---|
Active Fit Preferred Any room for sum insured 5 lakh and above. |
VS VS |
Optima Secure Global Covered at Actuals |
| ICU Charges |
|---|
Active Fit Preferred No capping, covered up to sum insured. |
VS VS |
Optima Secure Global Information Unavailable |
| Advanced Treatments |
|---|
Active Fit Preferred Information Unavailable |
VS VS |
Optima Secure Global Global Health Cover Available |
| Co-payment |
|---|
Active Fit Preferred No. |
VS VS |
Optima Secure Global No Geography-Based Co-payment |
| Disease-wise sublimits |
|---|
Active Fit Preferred No broad disease sublimit identified; subject to policy terms. |
VS VS |
Optima Secure Global Information Unavailable |
| Waiting Period |
|---|
Active Fit Preferred Information Unavailable |
VS VS |
Optima Secure Global 30 Days 24 Months 36 Months |
| Cashless Healthcare Providers |
|---|
Active Fit Preferred 16,500 + current insurer network |
VS VS |
Optima Secure Global 16,000+ Network Hospitals & Healthcare Providers |
| Restoration Benefit |
|---|
Active Fit Preferred Binge refill - 100% sum insured, unlimited times |
VS VS |
Optima Secure Global Information Unavailable |
| Cumulative Bonus |
|---|
Active Fit Preferred 10% per year, up to 100% |
VS VS |
Optima Secure Global Information Unavailable |
| Daycare Treatment |
|---|
Active Fit Preferred All day care treatments covered up to sum insured. |
VS VS |
Optima Secure Global Covered |
| Consumable Cover |
|---|
Active Fit Preferred Optional/subject to applicable cover |
VS VS |
Optima Secure Global Information Unavailable |
| AYUSH Treatment |
|---|
Active Fit Preferred Covered up to sum insured |
VS VS |
Optima Secure Global Covered up till sun assured |
| Initial Waiting Period |
|---|
Active Fit Preferred 30 days |
VS VS |
Optima Secure Global Information Unavailable |
| Specific Waiting Period |
|---|
Active Fit Preferred 24 months |
VS VS |
Optima Secure Global Information Unavailable |
| PED Waiting Period |
|---|
Active Fit Preferred 48 months |
VS VS |
Optima Secure Global Information Unavailable |
| Modern Treatment |
|---|
Active Fit Preferred Covered up to sum insured. |
VS VS |
Optima Secure Global Information Unavailable |
| Annual Health Checkup |
|---|
Active Fit Preferred Once every policy year |
VS VS |
Optima Secure Global Information Unavailable |
| Pre-Hospitalisation |
|---|
Active Fit Preferred 90 days |
VS VS |
Optima Secure Global Information Unavailable |
| Post-Hospitalisation |
|---|
Active Fit Preferred 180 days |
VS VS |
Optima Secure Global Information Unavailable |
| Outpatient Department Cover (OPD Expense) |
|---|
Active Fit Preferred Optional cover |
VS VS |
Optima Secure Global Information Unavailable |
| Deductible Option |
|---|
Active Fit Preferred Not established as a standard inbuilt benefit |
VS VS |
Optima Secure Global Information Unavailable |
| Coverage Options |
|---|
Active Fit Preferred Individual, multi-individual, family floater structure as applicable. |
VS VS |
Optima Secure Global Information Unavailable |
| Claim Settlement Ratio |
|---|
Active Fit Preferred 97% |
VS VS |
Optima Secure Global Information Unavailable |
| Maternity Cover |
|---|
Active Fit Preferred Yes, 40,000 normal/60,000 C-section. |
VS VS |
Optima Secure Global Information Unavailable |
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
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Every suggestion is backed by expert analysis of your life stage, goals, and budget
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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
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.
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