Insurance Plans Comparison
Aditya Birla Active Fit Preferred vs Niva Bupa Health Recharge Super Top Up Plan
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:
Active Fit is designed for those who want comprehensive coverage without restrictions. It offers extensive coverage for modern treatments and innovative features.
Best For:
- Not available
VS
Health Recharge Super Top Up Plan
Niva Bupa Health Recharge Super Top Up Plan
What Makes It Special:
Health Recharge Super Top Up Plan focuses on providing essential health coverage at an affordable premium. It's designed for budget-conscious individuals who want reliable coverage.
Best For:
High coverage for seniors and their families
Easy cashless service across hospitals nationwide
Covers daycare and hospital treatments
Extra add-ons for enhanced protection
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
Not available
Prefer daily coverage for pharmacy & diagnostics
Want flexible deductible options for lower premiums
Need cashless treatment at large hospital network
Prefer 60-day pre & 90-day post-hospital care
You want coverage up to ₹95 lakhs
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 Super Top Up Plan Health Insurance Plan |
| Room Rent |
|---|
Active Fit Preferred Normal: For a Sum Insured of ₹5 Lacs & above, Any Room category is covered. ICU: Covered at actuals. |
VS VS |
Health Recharge Super Top Up Plan Accomodation up to 1% of Base Sum Insured per day is included as part of base cover. However, you can opt for Room Modifier Add-on to upgrade or downgrade the room category |
| Advanced Treatments |
|---|
Active Fit Preferred Covers modern medical treatments such as robotic surgeries, stem cell therapy, and balloon sinuplasty up to the full Sum Insured. |
VS VS |
Health Recharge Super Top Up Plan Not Available |
| ICU Charges |
|---|
Active Fit Preferred Not Available |
VS VS |
Health Recharge Super Top Up Plan No restriction on ICU room rent |
| Co-payment |
|---|
Active Fit Preferred No co-payment. The insurer covers 100% of the admissible claim up to the sum insured. |
VS VS |
Health Recharge Super Top Up Plan Not Available |
| Disease-wise sublimits |
|---|
Active Fit Preferred Not Available |
VS VS |
Health Recharge Super Top Up Plan No |
| Waiting Period |
|---|
Active Fit Preferred Initial Waiting Period: 30 days for all illnesses (except accidents). Pre-existing Disease Waiting Period: 36 months (3 years). |
VS VS |
Health Recharge Super Top Up Plan Not Available |
| Cashless Healthcare Providers |
|---|
Active Fit Preferred 10,000+ partner hospitals |
VS VS |
Health Recharge Super Top Up Plan Not Available |
| Restoration Benefit |
|---|
Active Fit Preferred Not Available |
VS VS |
Health Recharge Super Top Up Plan Not Available |
| Daycare Treatment |
|---|
Active Fit Preferred All day care treatments are covered up to the full Sum Insured. |
VS VS |
Health Recharge Super Top Up Plan Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
| Cumulative Bonus |
|---|
Active Fit Preferred Not Available |
VS VS |
Health Recharge Super Top Up Plan Your sum insured increases by 5% every year, maximum up to 50% |
| AYUSH Treatment |
|---|
Active Fit Preferred Alternative treatments (Ayurveda, Yoga, Unani, Siddha, Homeopathy) are covered up to the Sum Insured. |
VS VS |
Health Recharge Super Top Up Plan Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Consumable Cover |
|---|
Active Fit Preferred Not Available |
VS VS |
Health Recharge Super Top Up Plan Yes |
| Initial Waiting Period |
|---|
Active Fit Preferred Not Available |
VS VS |
Health Recharge Super Top Up Plan 30 days. |
| Specific Waiting Period |
|---|
Active Fit Preferred Not Available |
VS VS |
Health Recharge Super Top Up Plan 2 years |
| PED Waiting Period |
|---|
Active Fit Preferred Not Available |
VS VS |
Health Recharge Super Top Up Plan 3 years |
| Modern Treatment |
|---|
Active Fit Preferred Not Available |
VS VS |
Health Recharge Super Top Up Plan Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
| Annual Health Checkup |
|---|
Active Fit Preferred Not Available |
VS VS |
Health Recharge Super Top Up Plan Not Available |
| Pre-Hospitalisation |
|---|
Active Fit Preferred Not Available |
VS VS |
Health Recharge Super Top Up Plan 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 Not Available |
VS VS |
Health Recharge Super Top Up Plan You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it |
| Outpatient Department Cover (OPD Expense) |
|---|
Active Fit Preferred Not Available |
VS VS |
Health Recharge Super Top Up Plan OPD expenses are covered |
| Deductible Option |
|---|
Active Fit Preferred Not Available |
VS VS |
Health Recharge Super Top Up Plan Available |
| Coverage Options |
|---|
Active Fit Preferred Not Available |
VS VS |
Health Recharge Super Top Up Plan Available coverage options: ₹2L, 3L, 4L, 5L, 7.5L, 10L, 15L, 25L, 40L, 45L, 65L, 70L, 90L, 95L. |
| Claim Settlement Ratio |
|---|
Active Fit Preferred Not Available |
VS VS |
Health Recharge Super Top Up Plan 92.02% |
| Maternity Cover |
|---|
Active Fit Preferred Not Available |
VS VS |
Health Recharge Super Top Up Plan Not Available |
Insurance Plans Comparison
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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
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Frequently Asked Questions (FAQs)
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