Insurance Plans Comparison
Aditya Birla Active Fit Preferred vs ICICI Lombard Smart Super Health Assure
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreActive 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
Smart Super Health Assure
Pay a lump sum on diagnosis of one of six specified critical illnesses, including cancer, heart attack, stroke, bypass surgery, kidney failure and a major organ transplant, or take instalments over 5 years.
What Makes It Special:
Smart Super Health 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
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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 |
![]() Smart Super Health Assure Health Insurance Plan |
| Room Rent |
|---|
Active Fit Preferred Any room for sum insured 5 lakh and above. |
VS VS |
Smart Super Health Assure Normal: Not applicable — this is a critical illness benefit plan ICU: Not applicable — this is a lump sum critical illness payout plan |
| ICU Charges |
|---|
Active Fit Preferred No capping, covered up to sum insured. |
VS VS |
Smart Super Health Assure Information Unavailable |
| Advanced Treatments |
|---|
Active Fit Preferred Information Unavailable |
VS VS |
Smart Super Health Assure Major Organ Transplant (Recipient) Coronary Artery Bypass Graft Surgery Stroke Cancer Heart Attack Kidney Failure |
| Co-payment |
|---|
Active Fit Preferred No. |
VS VS |
Smart Super Health Assure Not mentioned |
| Disease-wise sublimits |
|---|
Active Fit Preferred No broad disease sublimit identified; subject to policy terms. |
VS VS |
Smart Super Health Assure Information Unavailable |
| Waiting Period |
|---|
Active Fit Preferred Information Unavailable |
VS VS |
Smart Super Health Assure Initial Waiting Period: 6 months Specific Disease/Procedure Waiting Period: Critical illness diagnosis between 6 months to 1 year receives reduced payout |
| Cashless Healthcare Providers |
|---|
Active Fit Preferred 16,500 + current insurer network |
VS VS |
Smart Super Health Assure 6,500 network hospitals |
| Restoration Benefit |
|---|
Active Fit Preferred Binge refill - 100% sum insured, unlimited times |
VS VS |
Smart Super Health Assure Information Unavailable |
| Cumulative Bonus |
|---|
Active Fit Preferred 10% per year, up to 100% |
VS VS |
Smart Super Health Assure Information Unavailable |
| Daycare Treatment |
|---|
Active Fit Preferred All day care treatments covered up to sum insured. |
VS VS |
Smart Super Health Assure Not Applicable |
| Consumable Cover |
|---|
Active Fit Preferred Optional/subject to applicable cover |
VS VS |
Smart Super Health Assure Information Unavailable |
| AYUSH Treatment |
|---|
Active Fit Preferred Covered up to sum insured |
VS VS |
Smart Super Health Assure Not Mentioned |
| Initial Waiting Period |
|---|
Active Fit Preferred 30 days |
VS VS |
Smart Super Health Assure Information Unavailable |
| Specific Waiting Period |
|---|
Active Fit Preferred 24 months |
VS VS |
Smart Super Health Assure Information Unavailable |
| PED Waiting Period |
|---|
Active Fit Preferred 48 months |
VS VS |
Smart Super Health Assure Information Unavailable |
| Modern Treatment |
|---|
Active Fit Preferred Covered up to sum insured. |
VS VS |
Smart Super Health Assure Information Unavailable |
| Annual Health Checkup |
|---|
Active Fit Preferred Once every policy year |
VS VS |
Smart Super Health Assure Information Unavailable |
| Pre-Hospitalisation |
|---|
Active Fit Preferred 90 days |
VS VS |
Smart Super Health Assure Information Unavailable |
| Post-Hospitalisation |
|---|
Active Fit Preferred 180 days |
VS VS |
Smart Super Health Assure Information Unavailable |
| Outpatient Department Cover (OPD Expense) |
|---|
Active Fit Preferred Optional cover |
VS VS |
Smart Super Health Assure Information Unavailable |
| Deductible Option |
|---|
Active Fit Preferred Not established as a standard inbuilt benefit |
VS VS |
Smart Super Health Assure Information Unavailable |
| Coverage Options |
|---|
Active Fit Preferred Individual, multi-individual, family floater structure as applicable. |
VS VS |
Smart Super Health Assure Information Unavailable |
| Claim Settlement Ratio |
|---|
Active Fit Preferred 97% |
VS VS |
Smart Super Health Assure Information Unavailable |
| Maternity Cover |
|---|
Active Fit Preferred Yes, 40,000 normal/60,000 C-section. |
VS VS |
Smart Super Health Assure Information Unavailable |
Insurance Plans Comparison
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