Insurance Plans Comparison
Aditya Birla Active Fit Preferred vs Niva Bupa Reassure 3.0 Black
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
Reassure 3.0 Black
Premium health insurance coverage with unlimited sum-insured options, flexible co-payment and deductible choices, and additional benefits subject to policy terms.
What Makes It Special:
Niva Bupa ReAssure 3.0 Black is the Black variant of the ReAssure 3.0 health insurance product. The supplied brochure lists coverage for hospitalisation expenses, modern treatments, AYUSH treatment, pre- and post-hospitalisation expenses, and ambulance services. It also describes benefits such as Lock the Clock, Live Healthy, Cash-Bag+, and optional Wellconsult+,...
Best For:
Buyers who want to explore premium-related benefits such as Lock the Clock and claim-free-year cashback through Cash-Bag+, subject to the applicable terms.
Individuals interested in additional benefits such as OPD services through Wellconsult+ or non-payable-item coverage through Claim Safeguard+, where available.
Buyers who value any-room coverage, as listed for the Black variant in the brochure.
Individuals who prefer the flexibility to choose a co-payment percentage or annual aggregate deductible.
Buyers seeking a health insurance plan with unlimited sum-insured options, subject to availability and policy conditions.
Insurance Plans Comparison
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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.
Optional benefits and exclusions: Confirm the availability and cost of Wellconsult+, Claim Safeguard+, Borderless, and other optional benefits, along with their individual limits and exclusions.
Room eligibility and network: Verify the any-room benefit, room-category restrictions, network hospitals, and potential co-payment when specified conditions are not met.
Co-payment and deductibles: Compare the available percentages and deductible amounts. Understand how these affect the amount payable during a claim.
Waiting periods: Check the initial waiting period, specific-disease waiting periods, and pre-existing disease waiting period. Confirm whether any optional modification has been accepted.
Sum insured: Confirm the available sum-insured options, premium, and the precise meaning of unlimited coverage under the policy.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Active Fit Preferred Health Insurance Plan VS VS |
Reassure 3.0 Black Health Insurance Plan |
| Room Rent |
|---|
Active Fit Preferred Any room for sum insured 5 lakh and above. |
VS VS |
Reassure 3.0 Black Any room category covered up to SI with no room-type capping. |
| ICU Charges |
|---|
Active Fit Preferred No capping, covered up to sum insured. |
VS VS |
Reassure 3.0 Black Covered as part of hospitalisation expenses up to applicable SI |
| Co-payment |
|---|
Active Fit Preferred No. |
VS VS |
Reassure 3.0 Black Optional: 0%, 10%, 20%, 30%, 40%, 50% choices available. |
| Disease-wise sublimits |
|---|
Active Fit Preferred No broad disease sublimit identified; subject to policy terms. |
VS VS |
Reassure 3.0 Black No general disease-wise sublimit specified |
| Cashless Healthcare Providers |
|---|
Active Fit Preferred 16,500 + current insurer network |
VS VS |
Reassure 3.0 Black Available through Niva Bupa network hospitals. |
| Restoration Benefit |
|---|
Active Fit Preferred Binge refill - 100% sum insured, unlimited times |
VS VS |
Reassure 3.0 Black ReAssure Forever: Base SI restored after first claim, unlimited times for life. |
| Cumulative Bonus |
|---|
Active Fit Preferred 10% per year, up to 100% |
VS VS |
Reassure 3.0 Black Booster+ add on: Accumulates up to 10X base SI carried forward annually. |
| Daycare Treatment |
|---|
Active Fit Preferred All day care treatments covered up to sum insured. |
VS VS |
Reassure 3.0 Black Eligible Day Care Treatments covered under hospitalisation benefit. |
| Consumable Cover |
|---|
Active Fit Preferred Optional/subject to applicable cover |
VS VS |
Reassure 3.0 Black Yes, medicines, drugs and consumables included in hospitalisation expenses. |
| AYUSH Treatment |
|---|
Active Fit Preferred Covered up to sum insured |
VS VS |
Reassure 3.0 Black Covers AYUSH hospitalisation up to applicable SI |
| Initial Waiting Period |
|---|
Active Fit Preferred 30 days |
VS VS |
Reassure 3.0 Black 30 days (standard terms apply). |
| Specific Waiting Period |
|---|
Active Fit Preferred 24 months |
VS VS |
Reassure 3.0 Black Standard period with option to modify to 12 or 36 months. |
| PED Waiting Period |
|---|
Active Fit Preferred 48 months |
VS VS |
Reassure 3.0 Black Standard 36 months with option to modify to 12 or 24 months |
| Modern Treatment |
|---|
Active Fit Preferred Covered up to sum insured. |
VS VS |
Reassure 3.0 Black Covers robotic surgery, oral chemotherapy, stereotactic radiosurgery, deep brain stimulation, intravitreal injections up to applicable SI. |
| Annual Health Checkup |
|---|
Active Fit Preferred Once every policy year |
VS VS |
Reassure 3.0 Black Not in Black variant base; NivaBupaOne provides Executive Health Assessment separately. |
| Pre-Hospitalisation |
|---|
Active Fit Preferred 90 days |
VS VS |
Reassure 3.0 Black Up to 60 days before hospitalisation when related to approved claim. |
| Post-Hospitalisation |
|---|
Active Fit Preferred 180 days |
VS VS |
Reassure 3.0 Black Up to 180 days after discharge for related eligible medical expenses. |
| Outpatient Department Cover (OPD Expense) |
|---|
Active Fit Preferred Optional cover |
VS VS |
Reassure 3.0 Black Not in base; Wellconsult+ available as optional OPD benefit. |
| Deductible Option |
|---|
Active Fit Preferred Not established as a standard inbuilt benefit |
VS VS |
Reassure 3.0 Black Annual Aggregate Deductible available: ₹10K to ₹5L range. |
| Coverage Options |
|---|
Active Fit Preferred Individual, multi-individual, family floater structure as applicable. |
VS VS |
Reassure 3.0 Black ₹5L, ₹10L, Unlimited SI. |
| Claim Settlement Ratio |
|---|
Active Fit Preferred 97% |
VS VS |
Reassure 3.0 Black 80% |
| Maternity Cover |
|---|
Active Fit Preferred Yes, 40,000 normal/60,000 C-section. |
VS VS |
Reassure 3.0 Black Not in standard Black variant benefits. |
Insurance Plans Comparison
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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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Insurance Plans Comparison
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Frequently Asked Questions (FAQs)
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