Insurance Plans Comparison
Aditya Birla Active Fit Preferred vs Niva Bupa Health Pulse Classic
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreActive 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
Health Pulse Classic
Niva Bupa Health Pulse Classic
What Makes It Special:
A value-focused health plan with Loyalty Additions, a Re-fill benefit and optional add-ons, with a 20% co-payment applying only in specified cities.
Best For:
Customers comfortable with room rent limits on lower Sum Insured options.
Adults aged 18 to 65 years buying a new policy, subject to eligibility.
People who want the option to add Personal Accident or Critical Illness cover.
Buyers who want their cover to grow through annual Loyalty Additions.
First-time buyers looking for straightforward hospitalisation coverage.
Families outside Delhi NCR, Mumbai, Kolkata and Gujarat who want to avoid the plan's city-specific co-payment.
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.
The available Sum Insured options for Classic above ₹10 Lakh need confirmation because the prospectus and sales sheet differ.
There is no deductible option.
Maternity and general OPD treatment are not covered.
Pre-existing diseases have a 36-month waiting period.
Listed specified conditions have a 24-month waiting period.
Pre-hospitalisation cover is limited to 30 days and post-hospitalisation cover to 60 days.
For ₹3 Lakh and ₹4 Lakh cover, room rent is limited to 1% of the Base Sum Insured per day and ICU charges to 2% per day.
A 20% co-payment applies to treatment in Delhi NCR, Mumbai including Navi Mumbai and Thane, Kolkata and Gujarat.
Optional Personal Accident, Critical Illness, Hospital Cash and unlimited e-Consultation benefits are available at additional premiums.
Mental illness, HIV/AIDS, domiciliary treatment and modern treatments are covered, with specified sublimits and waiting periods.
A single private room is covered for Sum Insured of ₹5 Lakh and above.
Re-fill of up to 100% of the Base Sum Insured is available for a different illness or injury. Optional Enhanced Re-fill increases it to 150%.
Loyalty Additions add 10% of the Base Sum Insured every policy year, up to 100%.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Active Fit Preferred Health Insurance Plan VS VS |
Health Pulse Classic Health Insurance Plan |
| Room Rent |
|---|
Active Fit Preferred Any room for sum insured 5 lakh and above. |
VS VS |
Health Pulse Classic
|
| ICU Charges |
|---|
Active Fit Preferred No capping, covered up to sum insured. |
VS VS |
Health Pulse Classic Information Unavailable |
| Advanced Treatments |
|---|
Active Fit Preferred Information Unavailable |
VS VS |
Health Pulse Classic Including robotic surgeries, stem cell therapy (for specific conditions), and modern procedures like laser treatments and bariatric surgery. |
| Co-payment |
|---|
Active Fit Preferred No. |
VS VS |
Health Pulse Classic A 20% co-payment applies for treatments in Zone 2. Additionally, policyholders can opt for a 10% or 20% co-payment, which does not reduce the sum insured. |
| Disease-wise sublimits |
|---|
Active Fit Preferred No broad disease sublimit identified; subject to policy terms. |
VS VS |
Health Pulse Classic Information Unavailable |
| Waiting Period |
|---|
Active Fit Preferred Information Unavailable |
VS VS |
Health Pulse Classic
|
| Cashless Healthcare Providers |
|---|
Active Fit Preferred 16,500 + current insurer network |
VS VS |
Health Pulse Classic 10675+ network hospitals in India. |
| Restoration Benefit |
|---|
Active Fit Preferred Binge refill - 100% sum insured, unlimited times |
VS VS |
Health Pulse Classic Information Unavailable |
| Cumulative Bonus |
|---|
Active Fit Preferred 10% per year, up to 100% |
VS VS |
Health Pulse Classic Information Unavailable |
| Daycare Treatment |
|---|
Active Fit Preferred All day care treatments covered up to sum insured. |
VS VS |
Health Pulse Classic Covered by the policy. |
| Consumable Cover |
|---|
Active Fit Preferred Optional/subject to applicable cover |
VS VS |
Health Pulse Classic Information Unavailable |
| AYUSH Treatment |
|---|
Active Fit Preferred Covered up to sum insured |
VS VS |
Health Pulse Classic Covered by the policy. |
| Initial Waiting Period |
|---|
Active Fit Preferred 30 days |
VS VS |
Health Pulse Classic Information Unavailable |
| Specific Waiting Period |
|---|
Active Fit Preferred 24 months |
VS VS |
Health Pulse Classic Information Unavailable |
| PED Waiting Period |
|---|
Active Fit Preferred 48 months |
VS VS |
Health Pulse Classic Information Unavailable |
| Modern Treatment |
|---|
Active Fit Preferred Covered up to sum insured. |
VS VS |
Health Pulse Classic Information Unavailable |
| Annual Health Checkup |
|---|
Active Fit Preferred Once every policy year |
VS VS |
Health Pulse Classic Information Unavailable |
| Pre-Hospitalisation |
|---|
Active Fit Preferred 90 days |
VS VS |
Health Pulse Classic Information Unavailable |
| Post-Hospitalisation |
|---|
Active Fit Preferred 180 days |
VS VS |
Health Pulse Classic Information Unavailable |
| Outpatient Department Cover (OPD Expense) |
|---|
Active Fit Preferred Optional cover |
VS VS |
Health Pulse Classic Information Unavailable |
| Deductible Option |
|---|
Active Fit Preferred Not established as a standard inbuilt benefit |
VS VS |
Health Pulse Classic Information Unavailable |
| Coverage Options |
|---|
Active Fit Preferred Individual, multi-individual, family floater structure as applicable. |
VS VS |
Health Pulse Classic Information Unavailable |
| Claim Settlement Ratio |
|---|
Active Fit Preferred 97% |
VS VS |
Health Pulse Classic Information Unavailable |
| Maternity Cover |
|---|
Active Fit Preferred Yes, 40,000 normal/60,000 C-section. |
VS VS |
Health Pulse Classic Information Unavailable |
Insurance Plans Comparison
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Insurance Plans Comparison
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Insurance Plans Comparison
Frequently Asked Questions (FAQs)
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