Insurance Plans Comparison
Aditya Birla Active Fit Preferred vs Star Health Gain
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
Health Gain
Flexible Health Insurance with Hospitalisation and OPD Benefits
What Makes It Special:
Inpatient Hospitalisation and Outpatient Medical Expenses
Best For:
Customers looking for daycare and eligible AYUSH treatment coverage.
Customers who use outpatient services at networked facilities.
Customers seeking flexible Sum Insured options.
Families looking for Individual or Family Floater coverage.
Individuals seeking inpatient and outpatient health insurance benefits.
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.
Check the treatment-specific sublimits.
Review the pre- and post-hospitalisation benefit periods.
Check the selected OPD benefit limit.
Understand the waiting periods for pre-existing diseases and specified treatments.
Review the co-payment applicable to entry age 61 and above.
Check the room rent limit.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Active Fit Preferred Health Insurance Plan VS VS |
Health Gain Health Insurance Plan |
| Room Rent |
|---|
Active Fit Preferred Any room for sum insured 5 lakh and above. |
VS VS |
Health Gain
|
| ICU Charges |
|---|
Active Fit Preferred No capping, covered up to sum insured. |
VS VS |
Health Gain Covered as part of eligible hospitalisation expenses. |
| Co-payment |
|---|
Active Fit Preferred No. |
VS VS |
Health Gain 20% for insured persons whose age at entry is 61 years and above. |
| Disease-wise sublimits |
|---|
Active Fit Preferred No broad disease sublimit identified; subject to policy terms. |
VS VS |
Health Gain Sublimits apply to specified treatments, including cataract and listed modern treatments. |
| Cashless Healthcare Providers |
|---|
Active Fit Preferred 16,500 + current insurer network |
VS VS |
Health Gain Cashless treatment is available at eligible network hospitals, subject to pre-authorisation. |
| Restoration Benefit |
|---|
Active Fit Preferred Binge refill - 100% sum insured, unlimited times |
VS VS |
Health Gain Not specified. |
| Cumulative Bonus |
|---|
Active Fit Preferred 10% per year, up to 100% |
VS VS |
Health Gain Not specified. |
| Daycare Treatment |
|---|
Active Fit Preferred All day care treatments covered up to sum insured. |
VS VS |
Health Gain Eligible daycare procedures are covered, subject to policy terms. |
| Consumable Cover |
|---|
Active Fit Preferred Optional/subject to applicable cover |
VS VS |
Health Gain Not specified. |
| AYUSH Treatment |
|---|
Active Fit Preferred Covered up to sum insured |
VS VS |
Health Gain Eligible inpatient Ayurveda, Unani, Siddha and Homeopathy treatment is covered, subject to policy terms. |
| Initial Waiting Period |
|---|
Active Fit Preferred 30 days |
VS VS |
Health Gain 30 days, except for covered accident-related claims. |
| Specific Waiting Period |
|---|
Active Fit Preferred 24 months |
VS VS |
Health Gain 24 months for specified diseases and procedures. |
| PED Waiting Period |
|---|
Active Fit Preferred 48 months |
VS VS |
Health Gain 36 months for pre-existing diseases. |
| Modern Treatment |
|---|
Active Fit Preferred Covered up to sum insured. |
VS VS |
Health Gain Specified modern treatments are covered, subject to policy limits. |
| Annual Health Checkup |
|---|
Active Fit Preferred Once every policy year |
VS VS |
Health Gain Not specified. |
| Pre-Hospitalisation |
|---|
Active Fit Preferred 90 days |
VS VS |
Health Gain Covered for up to 30 days before hospital admission. |
| Post-Hospitalisation |
|---|
Active Fit Preferred 180 days |
VS VS |
Health Gain Covered for up to 60 days after discharge. |
| Outpatient Department Cover (OPD Expense) |
|---|
Active Fit Preferred Optional cover |
VS VS |
Health Gain Available at networked facilities in India, up to the selected benefit limit. |
| Deductible Option |
|---|
Active Fit Preferred Not established as a standard inbuilt benefit |
VS VS |
Health Gain Not specified. |
| Coverage Options |
|---|
Active Fit Preferred Individual, multi-individual, family floater structure as applicable. |
VS VS |
Health Gain Individual and Family Floater. |
| Claim Settlement Ratio |
|---|
Active Fit Preferred 97% |
VS VS |
Health Gain Insurer-level metric, not a policy benefit. |
| Maternity Cover |
|---|
Active Fit Preferred Yes, 40,000 normal/60,000 C-section. |
VS VS |
Health Gain Maternity expenses are excluded, except for the specified ectopic pregnancy exception. |
Insurance Plans Comparison
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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
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
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.
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