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Insurance Plans Comparison

Aditya Birla Active Fit Preferred vs Niva Bupa Reassure 2.0 Platinum+

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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Aditya Birla

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

What Makes It Special:

Niva Bupa ReAssure 2.0 Platinum is a top-tier health insurance plan offering sum insured options from ₹5 lakh up to ₹1 crore, with no room rent caps or co-payment. It provides unlimited reinstatement of cover from the first claim (ReAssure Forever) and Booster+, which lets unused cover accumulate up to 5–10× base sum insured. The...

Best For:

  • Comprehensive Premium Health Coverage

  • High-Limit Family Floater Plan

  • Unlimited Restoration Insurance Policy

  • Advanced Treatment Global Care Plan

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.

  • You need very high medical coverage limit up to ₹1 crore

  • You prefer unlimited sum insured restoration after every claim

  • You want no room rent or ICU restrictions

  • You value modern treatment and maternity benefits included

  • You enjoy annual health check-ups and wellness perks from day one

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Active Fit Preferred
Active Fit Preferred

Health Insurance Plan

VS
Reassure 2.0 Platinum+
Reassure 2.0 Platinum+

Health Insurance Plan

Room Rent

Active Fit Preferred

Any room for sum insured 5 lakh and above.

VS

Reassure 2.0 Platinum+

All room categories are covered

ICU Charges

Active Fit Preferred

No capping, covered up to sum insured.

VS

Reassure 2.0 Platinum+

No restriction on ICU room rent

Co-payment

Active Fit Preferred

No.

VS

Reassure 2.0 Platinum+

Not available

Disease-wise sublimits

Active Fit Preferred

No broad disease sublimit identified; subject to policy terms.

VS

Reassure 2.0 Platinum+

No

Cashless Healthcare Providers

Active Fit Preferred

16,500 + current insurer network

VS

Reassure 2.0 Platinum+

10,000+ Healthcare Providers

Restoration Benefit

Active Fit Preferred

Binge refill - 100% sum insured, unlimited times

VS

Reassure 2.0 Platinum+

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

Cumulative Bonus

Active Fit Preferred

10% per year, up to 100%

VS

Reassure 2.0 Platinum+

Your sum insured increases by 100% every year, maximum up to 500%

Daycare Treatment

Active Fit Preferred

All day care treatments covered up to sum insured.

VS

Reassure 2.0 Platinum+

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

Consumable Cover

Active Fit Preferred

Optional/subject to applicable cover

VS

Reassure 2.0 Platinum+

No. However, available as an add-on

AYUSH Treatment

Active Fit Preferred

Covered up to sum insured

VS

Reassure 2.0 Platinum+

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

Initial Waiting Period

Active Fit Preferred

30 days

VS

Reassure 2.0 Platinum+

30 days

Specific Waiting Period

Active Fit Preferred

24 months

VS

Reassure 2.0 Platinum+

2 years

PED Waiting Period

Active Fit Preferred

48 months

VS

Reassure 2.0 Platinum+

3 years

Modern Treatment

Active Fit Preferred

Covered up to sum insured.

VS

Reassure 2.0 Platinum+

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Annual Health Checkup

Active Fit Preferred

Once every policy year

VS

Reassure 2.0 Platinum+

Health check-up is available once every policy year, from day 1 of the policy

Pre-Hospitalisation

Active Fit Preferred

90 days

VS

Reassure 2.0 Platinum+

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

180 days

VS

Reassure 2.0 Platinum+

You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it

Outpatient Department Cover (OPD Expense)

Active Fit Preferred

Optional cover

VS

Reassure 2.0 Platinum+

OPD expense is not included

Deductible Option

Active Fit Preferred

Not established as a standard inbuilt benefit

VS

Reassure 2.0 Platinum+

Available as an option

Coverage Options

Active Fit Preferred

Individual, multi-individual, family floater structure as applicable.

VS

Reassure 2.0 Platinum+

Available coverage options: ₹5L, ₹7.5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L and ₹1 Cr

Claim Settlement Ratio

Active Fit Preferred

97%

VS

Reassure 2.0 Platinum+

92.02%

Maternity Cover

Active Fit Preferred

Yes, 40,000 normal/60,000 C-section.

VS

Reassure 2.0 Platinum+

Not available

Insurance Plans Comparison

Still Confused? Get Expert Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Why Choose Our Expert Consultation?

End-to-End Support

End-to-End Support

From choosing the right policy to managing claims, every step is handled for you

Zero Spam. Zero Hassle

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

Talk to experienced advisors at no cost, and make confident decisions

24/7 Claim Assistance

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

Expert-Led Policy Review

  • 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

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

Family Health Plan

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

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.

1-5 of 10 FAQs

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Active Fit Preferred Vs Reassure 2.0 Platinum+

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