Insurance Plans Comparison
Niva Bupa Health Companion Variant 2022 vs Aditya Birla Active Fit Preferred
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Health Companion Variant 2022
Niva Bupa Health Companion Variant 2022
What Makes It Special:
The Niva Bupa Health Companion Variant 2022 is a comprehensive health insurance plan with options for both Individual and Family Floater policies. There is no Room Rent Limit in this plan.The Safeguard+ add-on covers all non-payable expenses and protects your No Claim Bonus if claims are up to ₹1,00,000....
Best For:
High coverage for families
Those who want extra protection through optional add-ons
Customers who value regular health check-ups and ambulance services
Hospital Room Rent Freedom
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
You need coverage for home treatments.
You want free health check-ups from day one.
You want cover restored after every claim.
You prefer hassle-free cashless hospital treatment
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
Health Companion Variant 2022 Health Insurance Plan VS VS |
Active Fit Preferred Health Insurance Plan |
| Room Rent |
|---|
Health Companion Variant 2022 The shared room category is covered in your base policy. If you choose an upgraded room, 20% co-payment is applicable. |
VS VS |
Active Fit Preferred Any room for sum insured 5 lakh and above. |
| ICU Charges |
|---|
Health Companion Variant 2022 No restriction on ICU room rent |
VS VS |
Active Fit Preferred No capping, covered up to sum insured. |
| Disease-wise sublimits |
|---|
Health Companion Variant 2022 No |
VS VS |
Active Fit Preferred No broad disease sublimit identified; subject to policy terms. |
| Co-payment |
|---|
Health Companion Variant 2022 Not Available |
VS VS |
Active Fit Preferred No. |
| Cashless Healthcare Providers |
|---|
Health Companion Variant 2022 11000+ Healthcare Providers |
VS VS |
Active Fit Preferred 16,500 + current insurer network |
| Restoration Benefit |
|---|
Health Companion Variant 2022 Yes, your sum insured restores to 100% unlimited times after your second claim, for both related and unrelated illnesses |
VS VS |
Active Fit Preferred Binge refill - 100% sum insured, unlimited times |
| Cumulative Bonus |
|---|
Health Companion Variant 2022 Your sum insured increases by 20% for every claim-free year, up to 100% |
VS VS |
Active Fit Preferred 10% per year, up to 100% |
| Daycare Treatment |
|---|
Health Companion Variant 2022 Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
VS VS |
Active Fit Preferred All day care treatments covered up to sum insured. |
| AYUSH Treatment |
|---|
Health Companion Variant 2022 Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
VS VS |
Active Fit Preferred Covered up to sum insured |
| Consumable Cover |
|---|
Health Companion Variant 2022 No. However, available as an add-on |
VS VS |
Active Fit Preferred Optional/subject to applicable cover |
| Initial Waiting Period |
|---|
Health Companion Variant 2022 30 days. |
VS VS |
Active Fit Preferred 30 days |
| Specific Waiting Period |
|---|
Health Companion Variant 2022 2 years |
VS VS |
Active Fit Preferred 24 months |
| PED Waiting Period |
|---|
Health Companion Variant 2022 3 years |
VS VS |
Active Fit Preferred 48 months |
| Modern Treatment |
|---|
Health Companion Variant 2022 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 |
|---|
Health Companion Variant 2022 Health check-up is available once every policy year, from day 1 of the policy |
VS VS |
Active Fit Preferred Once every policy year |
| Pre-Hospitalisation |
|---|
Health Companion Variant 2022 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 |
|---|
Health Companion Variant 2022 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) |
|---|
Health Companion Variant 2022 OPD expense is not included |
VS VS |
Active Fit Preferred Optional cover |
| Deductible Option |
|---|
Health Companion Variant 2022 Available |
VS VS |
Active Fit Preferred Not established as a standard inbuilt benefit |
| Coverage Options |
|---|
Health Companion Variant 2022 Available coverage options: ₹3L, ₹4 L, ₹5L, ₹7.5L, ₹10L, ₹12.5L, ₹15L, ₹20L, ₹30L, ₹50L, ₹1Cr |
VS VS |
Active Fit Preferred Individual, multi-individual, family floater structure as applicable. |
| Claim Settlement Ratio |
|---|
Health Companion Variant 2022 92.02% |
VS VS |
Active Fit Preferred 97% |
| Maternity Cover |
|---|
Health Companion Variant 2022 Not Available |
VS VS |
Active Fit Preferred Yes, 40,000 normal/60,000 C-section. |
Insurance Plans Comparison
Still Confused? Get Expert Advice
Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.
Why Choose Our Expert Consultation?
End-to-End Support
From choosing the right policy to managing claims, every step is handled for you
Zero Spam. Zero Hassle
Pure advice, no unwanted calls, no unnecessary push
Free Expert Consultation
Talk to experienced advisors at no cost, and make confident decisions
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
Expert-Led Policy Review
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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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
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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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