Insurance Plans Comparison
Aditya Birla Active Fit Preferred vs Niva Bupa Health Recharge
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
Health Recharge
Super top-up health insurance for additional financial protection against hospitalisation expenses.
What Makes It Special:
Niva Bupa Health Recharge is a super top-up plan designed to provide additional health insurance protection after the selected annual aggregate deductible is exhausted. It offers inpatient hospitalisation cover, pre- and post-hospitalisation expenses, daycare treatment, loyalty additions on eligible base cover, and optional personal accident and critical illness benefits.
Best For:
Buyers who want a super top-up plan with loyalty additions on eligible Base Sum Insured.
People looking for optional personal accident or critical illness cover.
Buyers who want to supplement an existing base health insurance policy.
Families seeking a higher total health cover with a chosen deductible.
People who already have employer-provided or individual health insurance and want additional cover.
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 the additional premium and coverage limits for optional personal accident and critical illness benefits.
Review the waiting periods and exclusions in the complete policy wording before purchasing.
Confirm the applicable Base Sum Insured, room-rent conditions and any benefit sub-limits.
Check whether your existing health insurance cover and the selected deductible work well together.
Choose a deductible you can comfortably pay before the plan begins contributing.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Active Fit Preferred Health Insurance Plan VS VS |
Health Recharge Health Insurance Plan |
| Room Rent |
|---|
Active Fit Preferred Any room for sum insured 5 lakh and above. |
VS VS |
Health Recharge Below ₹5L SI: 1% of SI per day limit; ₹5L+ SI: no monetary cap, single private room eligible. |
| ICU Charges |
|---|
Active Fit Preferred No capping, covered up to sum insured. |
VS VS |
Health Recharge Covered up to sum insured with no specific restrictions. |
| Co-payment |
|---|
Active Fit Preferred No. |
VS VS |
Health Recharge Not applicable; annual aggregate deductible is the cost-sharing mechanism. |
| Disease-wise sublimits |
|---|
Active Fit Preferred No broad disease sublimit identified; subject to policy terms. |
VS VS |
Health Recharge Yes, modern treatments have specific sublimits; mental disorder treatment: 10% SI (max ₹50K) |
| Cashless Healthcare Providers |
|---|
Active Fit Preferred 16,500 + current insurer network |
VS VS |
Health Recharge 10,000+ Niva Bupa empanelled network hospitals. |
| Restoration Benefit |
|---|
Active Fit Preferred Binge refill - 100% sum insured, unlimited times |
VS VS |
Health Recharge Not available under Health Recharge plan. |
| Cumulative Bonus |
|---|
Active Fit Preferred 10% per year, up to 100% |
VS VS |
Health Recharge Loyalty Additions: 5% annual increase of base SI up to 50% maximum (only for SI up to ₹25L). |
| Daycare Treatment |
|---|
Active Fit Preferred All day care treatments covered up to sum insured. |
VS VS |
Health Recharge All eligible day-care treatments covered up to sum insured. |
| Consumable Cover |
|---|
Active Fit Preferred Optional/subject to applicable cover |
VS VS |
Health Recharge Yes, medicines, drugs and consumables as prescribed by treating practitioner. |
| AYUSH Treatment |
|---|
Active Fit Preferred Covered up to sum insured |
VS VS |
Health Recharge Covers Ayurveda, Yoga, Unani, Siddha, Homoeopathy as in-patient treatment up to base SI. |
| Initial Waiting Period |
|---|
Active Fit Preferred 30 days |
VS VS |
Health Recharge 30 days from first policy commencement (no exception for accidents). |
| Specific Waiting Period |
|---|
Active Fit Preferred 24 months |
VS VS |
Health Recharge 24 months for specified diseases and procedures listed in policy. |
| PED Waiting Period |
|---|
Active Fit Preferred 48 months |
VS VS |
Health Recharge 36 months continuous coverage from policy inception. |
| Modern Treatment |
|---|
Active Fit Preferred Covered up to sum insured. |
VS VS |
Health Recharge Covers oral chemotherapy, robotic surgeries, intra-vitreal injections, deep brain stimulation with per-treatment sub-limits. |
| Annual Health Checkup |
|---|
Active Fit Preferred Once every policy year |
VS VS |
Health Recharge Not listed as base benefit; health assessment available separately. |
| Pre-Hospitalisation |
|---|
Active Fit Preferred 90 days |
VS VS |
Health Recharge Up to 60 days before hospitalisation when related claim is admissible. |
| Post-Hospitalisation |
|---|
Active Fit Preferred 180 days |
VS VS |
Health Recharge Up to 90 days after discharge for eligible medical expenses. |
| Outpatient Department Cover (OPD Expense) |
|---|
Active Fit Preferred Optional cover |
VS VS |
Health Recharge Not available; plan provides unlimited e-consultation and pharmacy/diagnostic access. |
| Deductible Option |
|---|
Active Fit Preferred Not established as a standard inbuilt benefit |
VS VS |
Health Recharge Mandatory annual aggregate deductible: ₹10K, ₹25K, ₹50K options available. |
| Coverage Options |
|---|
Active Fit Preferred Individual, multi-individual, family floater structure as applicable. |
VS VS |
Health Recharge ₹2L, ₹3L, ₹4L, ₹5L, ₹7.5L, ₹10L, ₹15L, ₹25L, ₹40L, ₹45L, ₹65L, ₹70L, ₹90L, ₹95L. |
| Claim Settlement Ratio |
|---|
Active Fit Preferred 97% |
VS VS |
Health Recharge 80% |
| Maternity Cover |
|---|
Active Fit Preferred Yes, 40,000 normal/60,000 C-section. |
VS VS |
Health Recharge Excluded under this policy. |
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
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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