Insurance Plans Comparison
Niva Bupa Reassure 3.0 Classic 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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Reassure 3.0 Classic
Health insurance with general-room eligibility, configurable cost-sharing options, and additional benefits subject to policy terms.
What Makes It Special:
Niva Bupa ReAssure 3.0 Classic is the Classic variant of the ReAssure 3.0 health insurance product. The supplied brochure lists hospitalisation coverage, modern treatments, AYUSH treatment, pre- and post-hospitalisation expenses, and other benefits subject to the policy terms. Its defining room-related feature is coverage for a general room, rather than...
Best For:
Buyers who value supplementary benefits such as claim-free-year cashback, subject to the applicable terms and eligibility.
Individuals interested in optional OPD and wellness services through Wellconsult+.
Buyers who want to choose a co-payment percentage or annual aggregate deductible, where available.
Individuals seeking an unlimited sum-insured option, subject to the policy's applicable terms.
Buyers looking for health insurance with a defined general-room category rather than the broader room eligibility listed for Black.
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
Optional benefits: Check the price, availability, limits, exclusions, and claim conditions for Wellconsult+, Claim Safeguard+, and other optional benefits.
Sum insured and claim limits: Verify the available sum-insured options and any treatment-specific limits, including the modern treatment limit shown in the supplied brochure.
Co-payment and deductible: Compare the available options and understand how each affects your out-of-pocket costs during a claim.
Waiting periods: Review the initial waiting period, pre-existing disease waiting period, and specific-disease waiting periods. Confirm whether optional modifications are available and accepted.
Room eligibility: Confirm that general-room coverage meets your needs. Check the consequences of choosing a room outside the permitted category.
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
Reassure 3.0 Classic Health Insurance Plan VS VS |
Active Fit Preferred Health Insurance Plan |
| Room Rent |
|---|
Reassure 3.0 Classic Classic covers General Room; higher room selection triggers co-payment. |
VS VS |
Active Fit Preferred Any room for sum insured 5 lakh and above. |
| ICU Charges |
|---|
Reassure 3.0 Classic Covered under hospitalisation expenses up to applicable SI |
VS VS |
Active Fit Preferred No capping, covered up to sum insured. |
| Co-payment |
|---|
Reassure 3.0 Classic Selectable: 0%, 10%, 20%, 30%, 40%, 50% options available. |
VS VS |
Active Fit Preferred No. |
| Disease-wise sublimits |
|---|
Reassure 3.0 Classic ₹1L sublimit per claim for specified modern treatments. |
VS VS |
Active Fit Preferred No broad disease sublimit identified; subject to policy terms. |
| Cashless Healthcare Providers |
|---|
Reassure 3.0 Classic Available through Niva Bupa network hospitals. |
VS VS |
Active Fit Preferred 16,500 + current insurer network |
| Restoration Benefit |
|---|
Reassure 3.0 Classic ReAssure Forever: Base SI restored after first claim, unlimited times |
VS VS |
Active Fit Preferred Binge refill - 100% sum insured, unlimited times |
| Cumulative Bonus |
|---|
Reassure 3.0 Classic Booster+ add on: Carry forward unused SI accumulating up to 10X base SI |
VS VS |
Active Fit Preferred 10% per year, up to 100% |
| Daycare Treatment |
|---|
Reassure 3.0 Classic Covered for hospitalisations ≥2 hours (AYUSH ≥24 hours). |
VS VS |
Active Fit Preferred All day care treatments covered up to sum insured. |
| Consumable Cover |
|---|
Reassure 3.0 Classic Claim Safeguard+ available as optional benefit for non-payable items. |
VS VS |
Active Fit Preferred Optional/subject to applicable cover |
| AYUSH Treatment |
|---|
Reassure 3.0 Classic Covered under hospitalisation when ≥24 hours AYUSH stay required. |
VS VS |
Active Fit Preferred Covered up to sum insured |
| Initial Waiting Period |
|---|
Reassure 3.0 Classic 30 days from first commencement (except accidents). |
VS VS |
Active Fit Preferred 30 days |
| Specific Waiting Period |
|---|
Reassure 3.0 Classic 24 months standard; modifiable to 12 or 36 months. |
VS VS |
Active Fit Preferred 24 months |
| PED Waiting Period |
|---|
Reassure 3.0 Classic 36 months standard; modifiable to 12 or 24 months. |
VS VS |
Active Fit Preferred 48 months |
| Modern Treatment |
|---|
Reassure 3.0 Classic Modern treatments covered up to ₹1L per complete claim amount |
VS VS |
Active Fit Preferred Covered up to sum insured. |
| Annual Health Checkup |
|---|
Reassure 3.0 Classic Available from Day 1 on cashless basis per defined Classic package. |
VS VS |
Active Fit Preferred Once every policy year |
| Pre-Hospitalisation |
|---|
Reassure 3.0 Classic Up to 60 days before hospitalisation when related to accepted claim |
VS VS |
Active Fit Preferred 90 days |
| Post-Hospitalisation |
|---|
Reassure 3.0 Classic Covered for 180 days after discharge for admitted medical expenses |
VS VS |
Active Fit Preferred 180 days |
| Outpatient Department Cover (OPD Expense) |
|---|
Reassure 3.0 Classic Not in base; Wellconsult+ add on selectable up to 5X total premium. |
VS VS |
Active Fit Preferred Optional cover |
| Deductible Option |
|---|
Reassure 3.0 Classic Annual Aggregate Deductible: ₹10K to ₹5L range. |
VS VS |
Active Fit Preferred Not established as a standard inbuilt benefit |
| Coverage Options |
|---|
Reassure 3.0 Classic ₹5L, ₹10L, Unlimited SI. |
VS VS |
Active Fit Preferred Individual, multi-individual, family floater structure as applicable. |
| Claim Settlement Ratio |
|---|
Reassure 3.0 Classic 80% |
VS VS |
Active Fit Preferred 97% |
| Maternity Cover |
|---|
Reassure 3.0 Classic Not included in Classic variant base benefits. |
VS VS |
Active Fit Preferred Yes, 40,000 normal/60,000 C-section. |
Insurance Plans Comparison
Still Confused? Get Expert Advice
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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
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Smart, Tech-Enabled Experience
From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free
Insurance Plans Comparison
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