Insurance Plans Comparison
HDFC ERGO Optima Secure Plus vs Aditya Birla Active Fit Preferred
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreWhat Makes It Special:
HDFC ERGO Optima Secure+ is a comprehensive health insurance plan offering coverage from ₹10 lakh to ₹2 crore for individuals and families. It provides a Secure Benefit that doubles your coverage from day one, an Infinite Benefit that adds 100% of your base sum insured every year with no upper...
Best For:
Restoration-enabled Secure Health Policy
Coverage with Automatic Sum Boost
Multi-Benefit Medical Protection Plan
Comprehensive Family Health Insurance
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
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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
Long-term loyalty rewards and discounts
Annual health check-ups and preventive care
No room-rent or ICU restrictions
Automatic sum insured restoration after claims
Coverage growth with Secure and Infinite Benefits
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
 Optima Secure Plus Health Insurance Plan VS VS |
Active Fit Preferred Health Insurance Plan |
| Room Rent |
|---|
Optima Secure Plus Normal: Room Rent at Actuals ICU: Covered at Actuals |
VS VS |
Active Fit Preferred Any room for sum insured 5 lakh and above. |
| ICU Charges |
|---|
Optima Secure Plus No restriction on ICU room rent. |
VS VS |
Active Fit Preferred No capping, covered up to sum insured. |
| Advanced Treatments |
|---|
Optima Secure Plus Covered all Advanced/Modern treatments |
VS VS |
Active Fit Preferred Information Unavailable |
| Disease-wise sublimits |
|---|
Optima Secure Plus No |
VS VS |
Active Fit Preferred No broad disease sublimit identified; subject to policy terms. |
| Co-payment |
|---|
Optima Secure Plus No Mandatory Co-payment |
VS VS |
Active Fit Preferred No. |
| Restoration Benefit |
|---|
Optima Secure Plus Yes — Automatic Restore Benefit: 100% of the Base Sum Insured is restored every time it is claimed (partially or fully), unlimited times in a policy year, for both related and unrelated illnesses. |
VS VS |
Active Fit Preferred Binge refill - 100% sum insured, unlimited times |
| Cashless Healthcare Providers |
|---|
Optima Secure Plus 16000+ Healthcare Providers |
VS VS |
Active Fit Preferred 16,500 + current insurer network |
| Cumulative Bonus |
|---|
Optima Secure Plus Yes — Infinite Benefit: 100% of the Base Sum Insured is added at no extra cost after every policy year, irrespective of claims made, with no maximum cap (continues infinitely). |
VS VS |
Active Fit Preferred 10% per year, up to 100% |
| Daycare Treatment |
|---|
Optima Secure Plus Covered up to Sum Insured |
VS VS |
Active Fit Preferred All day care treatments covered up to sum insured. |
| AYUSH Treatment |
|---|
Optima Secure Plus Covered up to SI under hospitalisation benefit. |
VS VS |
Active Fit Preferred Covered up to sum insured |
| Consumable Cover |
|---|
Optima Secure Plus Yes — Protect Benefit covers listed non-medical expenses during hospitalisation with zero deductions. |
VS VS |
Active Fit Preferred Optional/subject to applicable cover |
| Initial Waiting Period |
|---|
Optima Secure Plus 30 Days |
VS VS |
Active Fit Preferred 30 days |
| Specific Waiting Period |
|---|
Optima Secure Plus 2 years |
VS VS |
Active Fit Preferred 24 months |
| PED Waiting Period |
|---|
Optima Secure Plus 3 years |
VS VS |
Active Fit Preferred 48 months |
| Modern Treatment |
|---|
Optima Secure Plus Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period. |
VS VS |
Active Fit Preferred Covered up to sum insured. |
| Annual Health Checkup |
|---|
Optima Secure Plus Health check-up is available after the first policy year |
VS VS |
Active Fit Preferred Once every policy year |
| Pre-Hospitalisation |
|---|
Optima Secure Plus You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved. |
VS VS |
Active Fit Preferred 90 days |
| Post-Hospitalisation |
|---|
Optima Secure Plus You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it. |
VS VS |
Active Fit Preferred 180 days |
| Outpatient Department Cover (OPD Expense) |
|---|
Optima Secure Plus Not included as part of base cover. Available via the Optima Wellbeing Add-on, which covers various outpatient benefits. |
VS VS |
Active Fit Preferred Optional cover |
| Deductible Option |
|---|
Optima Secure Plus Available as an option. |
VS VS |
Active Fit Preferred Not established as a standard inbuilt benefit |
| Coverage Options |
|---|
Optima Secure Plus Available Base Sum Insured options: ₹10L / ₹15L / ₹20L / ₹25L / ₹50L / ₹1 Cr / ₹2 Cr |
VS VS |
Active Fit Preferred Individual, multi-individual, family floater structure as applicable. |
| Claim Settlement Ratio |
|---|
Optima Secure Plus Information Unavailable |
VS VS |
Active Fit Preferred 97% |
| Maternity Cover |
|---|
Optima Secure Plus No. However, available as an add-on |
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
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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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