Insurance Plans Comparison
Aditya Birla Active Fit Preferred vs Star Special Care Gold
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
Special Care Gold
Special Care Gold
What Makes It Special:
Special Care Gold is designed for persons with disabilities and individuals with HIV/AIDS. The product provides individual indemnity and benefit coverage, with defined eligibility requirements, hospitalisation cover, daycare treatment, AYUSH treatment, modern treatment coverage and a 20% co-payment that can be waived through an optional benefit.
Best For:
Customers who need defined coverage with optional co-payment waiver
Customers looking for AYUSH hospitalisation coverage
Families seeking specialised health insurance for eligible members
Eligible individuals living with HIV/AIDS
Eligible persons with disabilities
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.
No pre-policy medical test is required, subject to submission requirements.
A co-payment waiver is available for additional premium.
AYUSH inpatient treatment is covered up to 100% of Sum Insured.
Sum Insured options of ₹4 Lakh and ₹5 Lakh are available.
The product is specifically structured for disability and HIV/AIDS-related eligibility.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Active Fit Preferred Health Insurance Plan VS VS |
![]() Special Care Gold Health Insurance Plan |
| Room Rent |
|---|
Active Fit Preferred Any room for sum insured 5 lakh and above. |
VS VS |
Special Care Gold Up to 1% of Sum Insured per day |
| ICU Charges |
|---|
Active Fit Preferred No capping, covered up to sum insured. |
VS VS |
Special Care Gold Up to 2% of Sum Insured per day |
| Co-payment |
|---|
Active Fit Preferred No. |
VS VS |
Special Care Gold 20% on all claims; waiver available for additional premium |
| Disease-wise sublimits |
|---|
Active Fit Preferred No broad disease sublimit identified; subject to policy terms. |
VS VS |
Special Care Gold Specified treatment limits apply |
| Cashless Healthcare Providers |
|---|
Active Fit Preferred 16,500 + current insurer network |
VS VS |
Special Care Gold Cashless treatment available at network hospitals |
| Restoration Benefit |
|---|
Active Fit Preferred Binge refill - 100% sum insured, unlimited times |
VS VS |
Special Care Gold Not specified |
| Cumulative Bonus |
|---|
Active Fit Preferred 10% per year, up to 100% |
VS VS |
Special Care Gold Not specified |
| Daycare Treatment |
|---|
Active Fit Preferred All day care treatments covered up to sum insured. |
VS VS |
Special Care Gold All daycare procedures covered |
| Consumable Cover |
|---|
Active Fit Preferred Optional/subject to applicable cover |
VS VS |
Special Care Gold Not specified |
| AYUSH Treatment |
|---|
Active Fit Preferred Covered up to sum insured |
VS VS |
Special Care Gold Covered up to 100% of Sum Insured |
| Initial Waiting Period |
|---|
Active Fit Preferred 30 days |
VS VS |
Special Care Gold 30 Days for indemnity basis; 90 Days for HIV/AIDS benefit basis |
| Specific Waiting Period |
|---|
Active Fit Preferred 24 months |
VS VS |
Special Care Gold 24 Months |
| PED Waiting Period |
|---|
Active Fit Preferred 48 months |
VS VS |
Special Care Gold 36 Months for PEDs other than specified disability and HIV/AIDS; 24 Months for pre-existing disability |
| Modern Treatment |
|---|
Active Fit Preferred Covered up to sum insured. |
VS VS |
Special Care Gold Covered up to 50% of Sum Insured for listed modern treatments |
| Annual Health Checkup |
|---|
Active Fit Preferred Once every policy year |
VS VS |
Special Care Gold Not specified |
| Pre-Hospitalisation |
|---|
Active Fit Preferred 90 days |
VS VS |
Special Care Gold Up to 30 Days |
| Post-Hospitalisation |
|---|
Active Fit Preferred 180 days |
VS VS |
Special Care Gold Up to 60 Days |
| Outpatient Department Cover (OPD Expense) |
|---|
Active Fit Preferred Optional cover |
VS VS |
Special Care Gold Not a standard OPD benefit |
| Deductible Option |
|---|
Active Fit Preferred Not established as a standard inbuilt benefit |
VS VS |
Special Care Gold Not specified |
| Coverage Options |
|---|
Active Fit Preferred Individual, multi-individual, family floater structure as applicable. |
VS VS |
Special Care Gold ₹4 Lakh and ₹5 Lakh, individual basis |
| Claim Settlement Ratio |
|---|
Active Fit Preferred 97% |
VS VS |
Special Care Gold Not specified |
| Maternity Cover |
|---|
Active Fit Preferred Yes, 40,000 normal/60,000 C-section. |
VS VS |
Special Care Gold Not specified as a standard maternity benefit |
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?
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
Secure against age-related medical costs
Tailored for seniors healthcare needs
Most Popular
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)
Having questions? We've got answers. Explore our FAQs to find the information you need.
Explore Our Most Popular Plans
Compare With Other Health Insurance Plans
Active Fit Preferred vs Optima Secure
Active Fit Preferred vs Super Mediclaim
Active Fit Preferred vs Health Recharge
Active Fit Preferred vs Cancer Cover Activ Cancer Secure Plan
Active Fit Preferred vs Optima Secure Plus
Active Fit Preferred vs Women Care
Active Fit Preferred vs Aspire Diamond+
Active Fit Preferred vs Activate Booster Plan A
Active Fit Preferred vs Active Care Premier
Active Fit Preferred vs ProHealth Accumulate
Active Fit Preferred vs Health Super Saver Standard
Active Fit Preferred vs Supreme Shine
Active Fit Preferred vs Optima Secure Global Plus
Active Fit Preferred vs Health Cardiac Care Silver & Gold Plan
Active Fit Preferred vs myHealth Suraksha Gold
Active Fit Preferred vs LifeTime Health Global
Active Fit Preferred vs Active Fit Plus
Active Fit Preferred vs OneHealth Premium
Active Fit Preferred vs Activ Health Platinum Essential
Active Fit Preferred vs Medicare Plus
Active Fit Preferred vs Medicare Senior
Active Fit Preferred vs Enhance Super Top-up Two
Active Fit Preferred vs Medicare Protect
Active Fit Preferred vs Activ One SAVR
Active Fit Preferred vs Active Assure Diamond
Active Fit Preferred vs Activ One VIP
Active Fit Preferred vs Health Pulse Classic
Active Fit Preferred vs Advantage
Active Fit Preferred vs Special Care Gold
Active Fit Preferred vs Activ One Max
Active Fit Preferred vs Classic
Active Fit Preferred vs Activ One Vytl
Active Fit Preferred vs Supreme
Active Fit Preferred vs Freedom
Active Fit Preferred vs Sarvah Pratham
Active Fit Preferred vs Joy Today
Active Fit Preferred vs Medi Classic
Active Fit Preferred vs Activate Booster Plan B
Active Fit Preferred vs Aspire Gold+
Active Fit Preferred vs Aspire Platinum+
Active Fit Preferred vs Plus Complete
Active Fit Preferred vs Reassure 2.0 Platinum+
Active Fit Preferred vs Elder Care
Active Fit Preferred vs Reassure 3.0 Elite
Active Fit Preferred vs EquiCover
Active Fit Preferred vs Young Star Gold
Active Fit Preferred vs Enhance Super Top-up One
Active Fit Preferred vs Joy Tomorrow
Active Fit Preferred vs Activ One VIP+
Active Fit Preferred vs Reassure 3.0 Select
Active Fit Preferred vs Red Carpet Senior Citizens
Active Fit Preferred vs Medicare Premier
Active Fit Preferred vs Family Health Optima
Active Fit Preferred vs Health Companion Variant 2022
Active Fit Preferred vs Health Companion Variant 3
Active Fit Preferred vs Plus Youth
Active Fit Preferred vs Assure
Active Fit Preferred vs Health Premia Gold
Active Fit Preferred vs Health Premia Platinum
Active Fit Preferred vs Cancer Care Platinum
Active Fit Preferred vs Optima Lite
Active Fit Preferred vs ProHealth Prime Protect
Active Fit Preferred vs Comprehensive
Active Fit Preferred vs HeartBeat Enhanced
Active Fit Preferred vs Reassure
Active Fit Preferred vs Supreme Senior Premium
Active Fit Preferred vs Health Recharge Super Top Up Plan
Active Fit Preferred vs Reassure 3.0
Active Fit Preferred vs myHealth Suraksha Platinum
Active Fit Preferred vs Supreme Value for Money
Active Fit Preferred vs Supreme Senior Super
Active Fit Preferred vs Supreme Enhance
Active Fit Preferred vs Reassure 2.0 Gold
Active Fit Preferred vs Medicare
Active Fit Preferred vs Ultimate (Direct)
Active Fit Preferred vs Young Star
Active Fit Preferred vs Sarvah Param
Active Fit Preferred vs Optima Insurance
Active Fit Preferred vs Smart Super Health Assure
Active Fit Preferred vs Reassure 3.0 Black
Active Fit Preferred vs Health Guard Platinum
Active Fit Preferred vs Health Guard Gold
Active Fit Preferred vs Elevate (Direct)
Active Fit Preferred vs Extra Care Plus Super Top-up
Active Fit Preferred vs Health Care Supreme Smart
Active Fit Preferred vs Smart Health Pro
Active Fit Preferred vs Medi Classic Gold
Active Fit Preferred vs Optima Super Secure
Active Fit Preferred vs Special Care
Active Fit Preferred vs Medicare LITE
Active Fit Preferred vs Health Shield 360
Active Fit Preferred vs SecureHealth
Active Fit Preferred vs Supreme (Direct)
Active Fit Preferred vs Plus
Active Fit Preferred vs Mediclaim Insurance Policy
Active Fit Preferred vs Medicare Select
Active Fit Preferred vs Health Gain
Active Fit Preferred vs myHealth Koti Suraksha
Active Fit Preferred vs Senior
Active Fit Preferred vs myHealth Suraksha Silver
Active Fit Preferred vs Cardiac Care Platinum
Active Fit Preferred vs Royal Sundaram Lifeline Elite
Active Fit Preferred vs Super Surplus Gold
Active Fit Preferred vs Supreme Enhance One
Active Fit Preferred vs Supreme Enhance Two
Active Fit Preferred vs HeartBeat Platinum
Active Fit Preferred vs HeartBeat Gold
Active Fit Preferred vs Health SuperCharge
Active Fit Preferred vs Aspire Titanium+
Active Fit Preferred vs iHealth Plus
Active Fit Preferred vs ProHealth Prime Advantage
Active Fit Preferred vs Reassure 3.0 Classic
Active Fit Preferred vs Senior Health Advantage
Active Fit Preferred vs Health Wallet
Active Fit Preferred vs Elevate
Active Fit Preferred vs Heart
Active Fit Preferred vs LifeTime Health
Active Fit Preferred vs Reassure 2.0 Titanium+
Active Fit Preferred vs ProHealth Prime Active
Active Fit Preferred vs ProHealth Prime Senior Elite
Active Fit Preferred vs Advanced Top Up
Active Fit Preferred vs Multiplier Health
Active Fit Preferred vs Diabetes Safe Plan A
Active Fit Preferred vs Reassure 2.0 Bronze+
Active Fit Preferred vs Enhance Super Top-up
Active Fit Preferred vs Young Star Silver
Active Fit Preferred vs Star Women Care Policy
Active Fit Preferred vs Joy
Active Fit Preferred vs Supreme Senior Health AdvantEdge
Active Fit Preferred vs Family Plus
Active Fit Preferred vs Criti Shield Plus
Active Fit Preferred vs Health Care Supreme Ultimo
Active Fit Preferred vs Health Shield 360 Retail
Active Fit Preferred vs Super Star
Active Fit Preferred vs Supreme Super Saver
Active Fit Preferred vs Senior First Platinum
Active Fit Preferred vs Optima Secure Global
Active Fit Preferred vs NextGen
Active Fit Preferred vs Health Insurance Platinum
Active Fit Preferred vs Energy Silver With Copay
Special Care Gold vs Optima Secure
Special Care Gold vs Super Mediclaim
Special Care Gold vs Health Recharge
Special Care Gold vs Cancer Cover Activ Cancer Secure Plan
Special Care Gold vs Optima Secure Plus
Special Care Gold vs Women Care
Special Care Gold vs Aspire Diamond+
Special Care Gold vs Activate Booster Plan A
Special Care Gold vs Active Care Premier
Special Care Gold vs ProHealth Accumulate
Special Care Gold vs Health Super Saver Standard
Special Care Gold vs Supreme Shine
Special Care Gold vs Optima Secure Global Plus
Special Care Gold vs Health Cardiac Care Silver & Gold Plan
Special Care Gold vs myHealth Suraksha Gold
Special Care Gold vs LifeTime Health Global
Special Care Gold vs Active Fit Plus
Special Care Gold vs OneHealth Premium
Special Care Gold vs Activ Health Platinum Essential
Special Care Gold vs Medicare Plus
Special Care Gold vs Medicare Senior
Special Care Gold vs Enhance Super Top-up Two
Special Care Gold vs Medicare Protect
Special Care Gold vs Activ One SAVR
Special Care Gold vs Active Assure Diamond
Special Care Gold vs Activ One VIP
Special Care Gold vs Health Pulse Classic
Special Care Gold vs Advantage
Special Care Gold vs Activ One Max
Special Care Gold vs Classic
Special Care Gold vs Activ One Vytl
Special Care Gold vs Supreme
Special Care Gold vs Freedom
Special Care Gold vs Sarvah Pratham
Special Care Gold vs Joy Today
Special Care Gold vs Medi Classic
Special Care Gold vs Activate Booster Plan B
Special Care Gold vs Aspire Gold+
Special Care Gold vs Aspire Platinum+
Special Care Gold vs Plus Complete
Special Care Gold vs Reassure 2.0 Platinum+
Special Care Gold vs Elder Care
Special Care Gold vs Reassure 3.0 Elite
Special Care Gold vs EquiCover
Special Care Gold vs Young Star Gold
Special Care Gold vs Enhance Super Top-up One
Special Care Gold vs Joy Tomorrow
Special Care Gold vs Activ One VIP+
Special Care Gold vs Reassure 3.0 Select
Special Care Gold vs Red Carpet Senior Citizens
Special Care Gold vs Medicare Premier
Special Care Gold vs Family Health Optima
Special Care Gold vs Health Companion Variant 2022
Special Care Gold vs Health Companion Variant 3
Special Care Gold vs Plus Youth
Special Care Gold vs Assure
Special Care Gold vs Health Premia Gold
Special Care Gold vs Health Premia Platinum
Special Care Gold vs Cancer Care Platinum
Special Care Gold vs Optima Lite
Special Care Gold vs ProHealth Prime Protect
Special Care Gold vs Comprehensive
Special Care Gold vs HeartBeat Enhanced
Special Care Gold vs Reassure
Special Care Gold vs Supreme Senior Premium
Special Care Gold vs Health Recharge Super Top Up Plan
Special Care Gold vs Reassure 3.0
Special Care Gold vs myHealth Suraksha Platinum
Special Care Gold vs Supreme Value for Money
Special Care Gold vs Supreme Senior Super
Special Care Gold vs Supreme Enhance
Special Care Gold vs Reassure 2.0 Gold
Special Care Gold vs Medicare
Special Care Gold vs Ultimate (Direct)
Special Care Gold vs Young Star
Special Care Gold vs Sarvah Param
Special Care Gold vs Optima Insurance
Special Care Gold vs Smart Super Health Assure
Special Care Gold vs Reassure 3.0 Black
Special Care Gold vs Health Guard Platinum
Special Care Gold vs Health Guard Gold
Special Care Gold vs Elevate (Direct)
Special Care Gold vs Extra Care Plus Super Top-up
Special Care Gold vs Health Care Supreme Smart
Special Care Gold vs Smart Health Pro
Special Care Gold vs Medi Classic Gold
Special Care Gold vs Optima Super Secure
Special Care Gold vs Special Care
Special Care Gold vs Medicare LITE
Special Care Gold vs Health Shield 360
Special Care Gold vs SecureHealth
Special Care Gold vs Supreme (Direct)
Special Care Gold vs Plus
Special Care Gold vs Mediclaim Insurance Policy
Special Care Gold vs Medicare Select
Special Care Gold vs Health Gain
Special Care Gold vs myHealth Koti Suraksha
Special Care Gold vs Senior
Special Care Gold vs myHealth Suraksha Silver
Special Care Gold vs Cardiac Care Platinum
Special Care Gold vs Royal Sundaram Lifeline Elite
Special Care Gold vs Super Surplus Gold
Special Care Gold vs Supreme Enhance One
Special Care Gold vs Supreme Enhance Two
Special Care Gold vs HeartBeat Platinum
Special Care Gold vs HeartBeat Gold
Special Care Gold vs Health SuperCharge
Special Care Gold vs Aspire Titanium+
Special Care Gold vs iHealth Plus
Special Care Gold vs ProHealth Prime Advantage
Special Care Gold vs Active Fit Preferred
Special Care Gold vs Reassure 3.0 Classic
Special Care Gold vs Senior Health Advantage
Special Care Gold vs Health Wallet
Special Care Gold vs Elevate
Special Care Gold vs Heart
Special Care Gold vs LifeTime Health
Special Care Gold vs Reassure 2.0 Titanium+
Special Care Gold vs ProHealth Prime Active
Special Care Gold vs ProHealth Prime Senior Elite
Special Care Gold vs Advanced Top Up
Special Care Gold vs Multiplier Health
Special Care Gold vs Diabetes Safe Plan A
Special Care Gold vs Reassure 2.0 Bronze+
Special Care Gold vs Enhance Super Top-up
Special Care Gold vs Young Star Silver
Special Care Gold vs Star Women Care Policy
Special Care Gold vs Joy
Special Care Gold vs Supreme Senior Health AdvantEdge
Special Care Gold vs Family Plus
Special Care Gold vs Criti Shield Plus
Special Care Gold vs Health Care Supreme Ultimo
Special Care Gold vs Health Shield 360 Retail
Special Care Gold vs Super Star
Special Care Gold vs Supreme Super Saver
Special Care Gold vs Senior First Platinum
Special Care Gold vs Optima Secure Global
Special Care Gold vs NextGen
Special Care Gold vs Health Insurance Platinum
Special Care Gold vs Energy Silver With Copay
Chat with PolicyPal
Get a free policy review
No pressure. No product push. Just honest advice.






.png)

