Insurance Plans Comparison
Niva Bupa HeartBeat Gold vs Aditya Birla Active Fit Preferred
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
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HeartBeat Gold
Niva Bupa Heartbeat Gold Plan
What Makes It Special:
Niva Bupa Heart Beat Gold is a comprehensive health insurance plan designed for families. It provides coverage options from ₹5 lakh to ₹1 crore, offering benefits like maternity cover, newborn protection, annual health check-ups, cashless treatment at 10,000+ hospitals, AYUSH and modern treatments, and no limits on ICU charges. You...
Best For:
Health-conscious individuals who value yearly check-ups
Customers who prefer comfort of a private room during hospitalization
Those planning for maternity and child care in future
Families looking for complete medical protection
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 like yearly sum insured bonuses
You want maternity and newborn benefits after 2 years
You prefer a private AC room without extra charges
You want flexible coverage up to ₹1 crore
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
HeartBeat Gold Health Insurance Plan VS VS |
Active Fit Preferred Health Insurance Plan |
| Room Rent | |
|---|---|
HeartBeat Gold
| |
VS VS | |
Active Fit Preferred Any room for sum insured 5 lakh and above. |
| ICU Charges |
|---|
HeartBeat Gold No restriction on ICU room rent |
VS VS |
Active Fit Preferred No capping, covered up to sum insured. |
| Advanced Treatments |
|---|
HeartBeat Gold Covered up to Sum Insured |
VS VS |
Active Fit Preferred Information Unavailable |
| Disease-wise sublimits |
|---|
HeartBeat Gold Yes |
VS VS |
Active Fit Preferred No broad disease sublimit identified; subject to policy terms. |
| Co-payment |
|---|
HeartBeat Gold Optional |
VS VS |
Active Fit Preferred No. |
| Restoration Benefit |
|---|
HeartBeat Gold 100% of base sum insured restored once every policy year for future claims |
VS VS |
Active Fit Preferred Binge refill - 100% sum insured, unlimited times |
| Cashless Healthcare Providers |
|---|
HeartBeat Gold 10000+ Healthcare Providers |
VS VS |
Active Fit Preferred 16,500 + current insurer network |
| Cumulative Bonus |
|---|
HeartBeat Gold Your sum insured increases by 10% every year, maximum up to 100% |
VS VS |
Active Fit Preferred 10% per year, up to 100% |
| Daycare Treatment |
|---|
HeartBeat Gold 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. |
| Consumable Cover |
|---|
HeartBeat Gold Yes |
VS VS |
Active Fit Preferred Optional/subject to applicable cover |
| AYUSH Treatment |
|---|
HeartBeat Gold Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
VS VS |
Active Fit Preferred Covered up to sum insured |
| Initial Waiting Period |
|---|
HeartBeat Gold 90 days. |
VS VS |
Active Fit Preferred 30 days |
| Specific Waiting Period |
|---|
HeartBeat Gold 2 years |
VS VS |
Active Fit Preferred 24 months |
| PED Waiting Period |
|---|
HeartBeat Gold 3 years |
VS VS |
Active Fit Preferred 48 months |
| Modern Treatment |
|---|
HeartBeat Gold 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 |
|---|
HeartBeat Gold 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 |
|---|
HeartBeat Gold 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 |
|---|
HeartBeat Gold You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it |
VS VS |
Active Fit Preferred 180 days |
| Outpatient Department Cover (OPD Expense) |
|---|
HeartBeat Gold OPD expenses are not available |
VS VS |
Active Fit Preferred Optional cover |
| Deductible Option |
|---|
HeartBeat Gold Available as an option |
VS VS |
Active Fit Preferred Not established as a standard inbuilt benefit |
| Coverage Options |
|---|
HeartBeat Gold Available coverage options: ₹5L, ₹7.5L, ₹10L, ₹15L, ₹20L, ₹30L, ₹1Cr |
VS VS |
Active Fit Preferred Individual, multi-individual, family floater structure as applicable. |
| Claim Settlement Ratio |
|---|
HeartBeat Gold 92.02% |
VS VS |
Active Fit Preferred 97% |
| Maternity Cover |
|---|
HeartBeat Gold Available with capping based on base sum insured. |
VS VS |
Active Fit Preferred Yes, 40,000 normal/60,000 C-section. |
Insurance Plans Comparison
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Personalised Recommendations
Every suggestion is backed by expert analysis of your life stage, goals, and budget
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Insurance Plans Comparison
Explore Insurance Category
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Maternity Health Plan
Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs
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Family Health Plan
One policy covers the entire family
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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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