Insurance Plans Comparison
Aditya Birla Active Fit Preferred vs Star Diabetes Safe Plan A
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreActive 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
Diabetes Safe Plan A
Health Insurance Designed for People with Type I or Type II Diabetes
What Makes It Special:
Diabetes-Focused Health Insurance
Best For:
Eligible couples considering individual or floater coverage.
Customers who want outpatient benefits at network hospitals and diagnostic centres.
Individuals looking for hospitalisation cover for other illnesses and accidental injuries.
Customers seeking cover for eligible diabetes complications.
Individuals aged 18 to 65 years with Type I or Type II Diabetes Mellitus.
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.
Understand the restoration benefit and its individual-policy restriction.
Review the room category and pre- and post-hospitalisation limits.
Check cataract and modern treatment sublimits.
Review the Sum Insured and outpatient benefit limits.
Check the waiting period for diabetes complications under Plan B.
Understand the medical screening requirement under Plan A.
Compare Plan A and Plan B.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Active Fit Preferred Health Insurance Plan VS VS |
![]() Diabetes Safe Plan A Health Insurance Plan |
| Room Rent |
|---|
Active Fit Preferred Any room for sum insured 5 lakh and above. |
VS VS |
Diabetes Safe Plan A
|
| ICU Charges |
|---|
Active Fit Preferred No capping, covered up to sum insured. |
VS VS |
Diabetes Safe Plan A Covered as part of eligible hospitalisation expenses, subject to policy terms. |
| Co-payment |
|---|
Active Fit Preferred No. |
VS VS |
Diabetes Safe Plan A Not specified. |
| Disease-wise sublimits |
|---|
Active Fit Preferred No broad disease sublimit identified; subject to policy terms. |
VS VS |
Diabetes Safe Plan A Sublimits apply to specified treatments, including cataract and certain modern treatments. Plan B also has limits for specified cardiovascular complications. |
| Cashless Healthcare Providers |
|---|
Active Fit Preferred 16,500 + current insurer network |
VS VS |
Diabetes Safe Plan A Cashless treatment is available at eligible network hospitals, subject to authorisation and policy conditions. |
| Restoration Benefit |
|---|
Active Fit Preferred Binge refill - 100% sum insured, unlimited times |
VS VS |
Diabetes Safe Plan A 100% of the basic Sum Insured is restored once during the policy period for eligible Section 2 claims on individual policies. This benefit is not available on floater policies. |
| Cumulative Bonus |
|---|
Active Fit Preferred 10% per year, up to 100% |
VS VS |
Diabetes Safe Plan A Not specified. |
| Daycare Treatment |
|---|
Active Fit Preferred All day care treatments covered up to sum insured. |
VS VS |
Diabetes Safe Plan A Eligible daycare procedures are covered, subject to policy terms. |
| Consumable Cover |
|---|
Active Fit Preferred Optional/subject to applicable cover |
VS VS |
Diabetes Safe Plan A Not specified. |
| AYUSH Treatment |
|---|
Active Fit Preferred Covered up to sum insured |
VS VS |
Diabetes Safe Plan A Eligible inpatient Ayurveda, Unani, Siddha and Homeopathy treatment is covered up to the Sum Insured, subject to policy terms. Yoga and Naturopathy require prior approval. |
| Initial Waiting Period |
|---|
Active Fit Preferred 30 days |
VS VS |
Diabetes Safe Plan A
|
| Specific Waiting Period |
|---|
Active Fit Preferred 24 months |
VS VS |
Diabetes Safe Plan A 24 months for specified diseases and procedures under applicable sections. A 12-month waiting period applies to specified diabetes complications under Plan B. |
| PED Waiting Period |
|---|
Active Fit Preferred 48 months |
VS VS |
Diabetes Safe Plan A 36 months for pre-existing diseases under applicable sections. |
| Modern Treatment |
|---|
Active Fit Preferred Covered up to sum insured. |
VS VS |
Diabetes Safe Plan A
|
| Annual Health Checkup |
|---|
Active Fit Preferred Once every policy year |
VS VS |
Diabetes Safe Plan A Not specified. |
| Pre-Hospitalisation |
|---|
Active Fit Preferred 90 days |
VS VS |
Diabetes Safe Plan A Up to 30 days before hospital admission. |
| Post-Hospitalisation |
|---|
Active Fit Preferred 180 days |
VS VS |
Diabetes Safe Plan A Up to 60 days after discharge, limited to 7% of eligible hospitalisation expenses and a maximum of ₹5,000 per hospitalisation. |
| Outpatient Department Cover (OPD Expense) |
|---|
Active Fit Preferred Optional cover |
VS VS |
Diabetes Safe Plan A Covered at network hospitals and diagnostic centres. Limits vary by plan, Sum Insured and individual or floater basis. |
| Deductible Option |
|---|
Active Fit Preferred Not established as a standard inbuilt benefit |
VS VS |
Diabetes Safe Plan A Not specified. |
| Coverage Options |
|---|
Active Fit Preferred Individual, multi-individual, family floater structure as applicable. |
VS VS |
Diabetes Safe Plan A Individual and Family Floater for self and spouse. |
| Claim Settlement Ratio |
|---|
Active Fit Preferred 97% |
VS VS |
Diabetes Safe Plan A Insurer-level metric, not a policy benefit. |
| Maternity Cover |
|---|
Active Fit Preferred Yes, 40,000 normal/60,000 C-section. |
VS VS |
Diabetes Safe Plan A Not covered, except ectopic pregnancy as specified in the policy. |
Insurance Plans Comparison
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Insurance Plans Comparison
Explore Insurance Category
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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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