Insurance Plans Comparison
Aditya Birla Active Fit Preferred vs Niva Bupa Aspire Platinum+
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
Aspire Platinum+
Health insurance with high cumulative cover, maternity benefits and premium protection linked to entry age.
What Makes It Special:
Niva Bupa Aspire Platinum+ combines comprehensive hospitalisation coverage with Booster+ accumulation of unused Base Sum Insured, ReAssure Forever and Lock the Clock. It also includes M-iracle maternity-related benefits with a 9-month waiting period, subject to eligibility, limits and policy conditions.
Best For:
Buyers seeking broad hospitalisation and eligible day-care coverage.
People who want their premium to remain linked to their entry age until a qualifying claim is paid.
Buyers who value additional cover after an eligible claim.
Individuals and families planning for eligible maternity-related expenses.
People looking to build up unused health cover over successive policy years.
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.
Compare premiums and waiting periods against other Aspire variants before choosing.
Check the policy schedule for room category, co-payment, deductible and any optional benefits.
Understand that ReAssure Forever is triggered by the first paid eligible claim and has a per-claim limit.
Review the 9-month M-iracle waiting period and the benefit’s eligibility conditions before relying on maternity cover.
Choose this variant if Booster+ accumulation is a priority and you understand its age-based limits.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Active Fit Preferred Health Insurance Plan VS VS |
Aspire Platinum+ Health Insurance Plan |
| Room Rent |
|---|
Active Fit Preferred Any room for sum insured 5 lakh and above. |
VS VS |
Aspire Platinum+ All room categories are covered |
| ICU Charges |
|---|
Active Fit Preferred No capping, covered up to sum insured. |
VS VS |
Aspire Platinum+ No restriction on ICU room rent |
| Co-payment |
|---|
Active Fit Preferred No. |
VS VS |
Aspire Platinum+ Available as an option |
| Disease-wise sublimits |
|---|
Active Fit Preferred No broad disease sublimit identified; subject to policy terms. |
VS VS |
Aspire Platinum+ No |
| Cashless Healthcare Providers |
|---|
Active Fit Preferred 16,500 + current insurer network |
VS VS |
Aspire Platinum+ 10,000+ Healthcare Providers |
| Restoration Benefit |
|---|
Active Fit Preferred Binge refill - 100% sum insured, unlimited times |
VS VS |
Aspire Platinum+ Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses |
| Cumulative Bonus |
|---|
Active Fit Preferred 10% per year, up to 100% |
VS VS |
Aspire Platinum+ Unutilised sum insured can be carried forward up to 10X (entry age 18–35 yrs), 5X (entry age 36–45 yrs), and 3X (entry age 46+ yrs) |
| Daycare Treatment |
|---|
Active Fit Preferred All day care treatments covered up to sum insured. |
VS VS |
Aspire Platinum+ Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
| Consumable Cover |
|---|
Active Fit Preferred Optional/subject to applicable cover |
VS VS |
Aspire Platinum+ No. However, available as an add-on |
| AYUSH Treatment |
|---|
Active Fit Preferred Covered up to sum insured |
VS VS |
Aspire Platinum+ Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Initial Waiting Period |
|---|
Active Fit Preferred 30 days |
VS VS |
Aspire Platinum+ 30 days |
| Specific Waiting Period |
|---|
Active Fit Preferred 24 months |
VS VS |
Aspire Platinum+ 2 years |
| PED Waiting Period |
|---|
Active Fit Preferred 48 months |
VS VS |
Aspire Platinum+ 3 years |
| Modern Treatment |
|---|
Active Fit Preferred Covered up to sum insured. |
VS VS |
Aspire Platinum+ Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
| Annual Health Checkup |
|---|
Active Fit Preferred Once every policy year |
VS VS |
Aspire Platinum+ Health check-up is available once every policy year, from day 1 of the policy |
| Pre-Hospitalisation |
|---|
Active Fit Preferred 90 days |
VS VS |
Aspire Platinum+ You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved |
| Post-Hospitalisation |
|---|
Active Fit Preferred 180 days |
VS VS |
Aspire Platinum+ You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it |
| Outpatient Department Cover (OPD Expense) |
|---|
Active Fit Preferred Optional cover |
VS VS |
Aspire Platinum+ OPD expense is not included as part of base cover. However, you can opt for an add-on to avail this coverage |
| Deductible Option |
|---|
Active Fit Preferred Not established as a standard inbuilt benefit |
VS VS |
Aspire Platinum+ Available as an option |
| Coverage Options |
|---|
Active Fit Preferred Individual, multi-individual, family floater structure as applicable. |
VS VS |
Aspire Platinum+ Available coverage options: 3L, 5L, 7.5L, 10L, 15L, 20L, 25L, 50L, 1cr |
| Claim Settlement Ratio |
|---|
Active Fit Preferred 97% |
VS VS |
Aspire Platinum+ 92.02% |
| Maternity Cover |
|---|
Active Fit Preferred Yes, 40,000 normal/60,000 C-section. |
VS VS |
Aspire Platinum+ Available |
Insurance Plans Comparison
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24/7 Claim Assistance
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
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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
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Family Health Plan
One policy covers the entire family
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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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