Insurance Plans Comparison
Aditya Birla Active Fit Preferred vs Niva Bupa Health Assurance
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
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Active Fit Preferred
Get maternity cover over and above the sum insured, up to ₹40,000 for a normal delivery and ₹60,000 for a C-section, plus unlimited refills of the sum insured for any illness or injury.
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 Assurance
Choose a listed critical-illness lump sum, accident cover and daily hospital cash as fixed benefits you can combine, with hospital cash paid for each day in hospital up to 45 days a year.
What Makes It Special:
Health Assurance is a Niva Bupa family plan made up of three separate covers. CritiCare pays a lump sum for listed critical illnesses. HospiCash pays a fixed daily cash amount during hospitalisation. AccidentCare pays for accidental death, permanent disability and temporary disability.
Best For:
Buyers who want lifelong renewal on all three covers
Parents who want child education benefits paid on an accidental death or permanent disability of the proposer
Working adults who want accident death, disability and income-loss cover
Buyers who want daily cash to cover incidental costs during a hospital stay
Families who want a lump sum if a listed critical illness is diagnosed
Insurance Plans Comparison
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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.
The sum insured for AccidentCare and TTD is linked to annual income, so check the limits against your income.
Only 2 adults can be covered under a CritiCare family option, so check this before buying for a larger family.
AccidentCare has no waiting period, but it is available only to Risk Class 1 and 2 occupations, with a 50% loading for Risk Class 2.
HospiCash pays a fixed daily amount for up to 45 days a year, so it does not reimburse hospital bills.
CritiCare does not start for 90 days, and a 36-month PED wait applies, so buy early if you have a condition.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Active Fit Preferred Health Insurance Plan VS VS |
Health Assurance Health Insurance Plan |
| Room Rent |
|---|
Active Fit Preferred Any room for sum insured 5 lakh and above. |
VS VS |
Health Assurance Normal: Covered up to Sum Insured ICU: Covered up to Sum Insured |
| ICU Charges |
|---|
Active Fit Preferred No capping, covered up to sum insured. |
VS VS |
Health Assurance Under HospiCash, the ICU cash benefit is double the daily cash benefit for ICU stays, up to 7 days a year. |
| Advanced Treatments |
|---|
Active Fit Preferred Information Unavailable |
VS VS |
Health Assurance Modern Treatments covered up to Sum Insured |
| Co-payment |
|---|
Active Fit Preferred No. |
VS VS |
Health Assurance Optional co-payment available |
| Disease-wise sublimits |
|---|
Active Fit Preferred No broad disease sublimit identified; subject to policy terms. |
VS VS |
Health Assurance Information Unavailable |
| Cashless Healthcare Providers |
|---|
Active Fit Preferred 16,500 + current insurer network |
VS VS |
Health Assurance 10,000+ Network Hospitals |
| Restoration Benefit |
|---|
Active Fit Preferred Binge refill - 100% sum insured, unlimited times |
VS VS |
Health Assurance Information Unavailable |
| Cumulative Bonus |
|---|
Active Fit Preferred 10% per year, up to 100% |
VS VS |
Health Assurance AccidentCare renewal benefit: the sum insured rises by 5% for each claim-free year, up to a total of 25%. Applies to all AccidentCare benefits except TTD and accident hospitalisation. |
| Daycare Treatment |
|---|
Active Fit Preferred All day care treatments covered up to sum insured. |
VS VS |
Health Assurance Covered |
| Consumable Cover |
|---|
Active Fit Preferred Optional/subject to applicable cover |
VS VS |
Health Assurance Please refer to the policy wording. |
| AYUSH Treatment |
|---|
Active Fit Preferred Covered up to sum insured |
VS VS |
Health Assurance Covered up to Sum Insured |
| Initial Waiting Period |
|---|
Active Fit Preferred 30 days |
VS VS |
Health Assurance CritiCare: 90 days. HospiCash: 30 days, except accidents. AccidentCare: none. |
| Specific Waiting Period |
|---|
Active Fit Preferred 24 months |
VS VS |
Health Assurance HospiCash only: 24 months for 17 listed conditions and procedures |
| PED Waiting Period |
|---|
Active Fit Preferred 48 months |
VS VS |
Health Assurance 36 months for CritiCare and HospiCash |
| Modern Treatment |
|---|
Active Fit Preferred Covered up to sum insured. |
VS VS |
Health Assurance Not covered as a separate benefit. AccidentCare Hospitalisation covers surgery, room rent and related costs for accidental injury up to 2% of the AccidentCare sum insured. |
| Annual Health Checkup |
|---|
Active Fit Preferred Once every policy year |
VS VS |
Health Assurance Kindly refer to the policy wording. |
| Pre-Hospitalisation |
|---|
Active Fit Preferred 90 days |
VS VS |
Health Assurance Information Unavailable |
| Post-Hospitalisation |
|---|
Active Fit Preferred 180 days |
VS VS |
Health Assurance Kindly refer to policy wording. |
| Outpatient Department Cover (OPD Expense) |
|---|
Active Fit Preferred Optional cover |
VS VS |
Health Assurance Not covered. |
| Deductible Option |
|---|
Active Fit Preferred Not established as a standard inbuilt benefit |
VS VS |
Health Assurance Kindly refer to the policy wording. |
| Coverage Options |
|---|
Active Fit Preferred Individual, multi-individual, family floater structure as applicable. |
VS VS |
Health Assurance AccidentCare (individual or family, with optional TTD and accident hospitalisation), CritiCare (individual or family floater, Option 1 lump sum or Option 2 lump sum with staggered payout), HospiCash (individual or family, daily cash). |
| Claim Settlement Ratio |
|---|
Active Fit Preferred 97% |
VS VS |
Health Assurance Claim Settlement Ratio (CSR) of 93.3% as a three-year IRDAI weighted average, and 95.6% in recent quarterly company disclosures (Q1 FY 2026-27). |
| Maternity Cover |
|---|
Active Fit Preferred Yes, 40,000 normal/60,000 C-section. |
VS VS |
Health Assurance Information Unavailable |
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
Insurance Plans Comparison
Frequently Asked Questions (FAQs)
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