Insurance Plans Comparison
Aditya Birla Active Fit Preferred vs Star Super Surplus Gold
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
Super Surplus Gold
Star Health Super Surplus Gold Plan
What Makes It Special:
Star Super Surplus is a floater top-up policy intended to provide additional health protection after eligible hospitalisation expenses cross the selected deductible or defined limit. The Gold Plan offers high Sum Insured choices, single private A/C room eligibility, maternity benefits, organ donor expenses, AYUSH treatment and a recharge benefit.
Best For:
Policyholders wanting additional protection beyond a base health plan
Customers seeking a Gold Plan maternity benefit
Families looking for a floater top-up plan
Customers wanting high Sum Insured with a defined limit
Families seeking additional top-up protection
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.
The policy offers lifelong renewals.
Gold Plan provides a defined maternity benefit after the waiting period.
Recharge Benefit can provide additional indemnity after exhaustion or excess of Sum Insured.
The policy is available on a family floater basis.
Gold Plan Sum Insured options extend up to ₹1 Crore.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Active Fit Preferred Health Insurance Plan VS VS |
Super Surplus Gold Health Insurance Plan |
| Room Rent |
|---|
Active Fit Preferred Any room for sum insured 5 lakh and above. |
VS VS |
Super Surplus Gold Single Private A/C Room |
| ICU Charges |
|---|
Active Fit Preferred No capping, covered up to sum insured. |
VS VS |
Super Surplus Gold Covered as part of hospitalisation |
| Co-payment |
|---|
Active Fit Preferred No. |
VS VS |
Super Surplus Gold Not specified as a standard co-payment |
| Disease-wise sublimits |
|---|
Active Fit Preferred No broad disease sublimit identified; subject to policy terms. |
VS VS |
Super Surplus Gold Specific limits and defined limits apply |
| Cashless Healthcare Providers |
|---|
Active Fit Preferred 16,500 + current insurer network |
VS VS |
Super Surplus Gold Cashless treatment through network hospitals |
| Restoration Benefit |
|---|
Active Fit Preferred Binge refill - 100% sum insured, unlimited times |
VS VS |
Super Surplus Gold Recharge Benefit available once for the remaining policy period |
| Cumulative Bonus |
|---|
Active Fit Preferred 10% per year, up to 100% |
VS VS |
Super Surplus Gold Not specified |
| Daycare Treatment |
|---|
Active Fit Preferred All day care treatments covered up to sum insured. |
VS VS |
Super Surplus Gold All daycare procedures covered |
| Consumable Cover |
|---|
Active Fit Preferred Optional/subject to applicable cover |
VS VS |
Super Surplus Gold Not specified |
| AYUSH Treatment |
|---|
Active Fit Preferred Covered up to sum insured |
VS VS |
Super Surplus Gold Covered up to Sum Insured |
| Initial Waiting Period |
|---|
Active Fit Preferred 30 days |
VS VS |
Super Surplus Gold 30 Days, subject to policy terms |
| Specific Waiting Period |
|---|
Active Fit Preferred 24 months |
VS VS |
Super Surplus Gold 12 Months for Gold Plan specified diseases and procedures |
| PED Waiting Period |
|---|
Active Fit Preferred 48 months |
VS VS |
Super Surplus Gold 12 Months for Gold Plan PEDs |
| Modern Treatment |
|---|
Active Fit Preferred Covered up to sum insured. |
VS VS |
Super Surplus Gold Covered subject to applicable limits |
| Annual Health Checkup |
|---|
Active Fit Preferred Once every policy year |
VS VS |
Super Surplus Gold Not specified |
| Pre-Hospitalisation |
|---|
Active Fit Preferred 90 days |
VS VS |
Super Surplus Gold Up to 60 Days |
| Post-Hospitalisation |
|---|
Active Fit Preferred 180 days |
VS VS |
Super Surplus Gold Up to 90 Days |
| Outpatient Department Cover (OPD Expense) |
|---|
Active Fit Preferred Optional cover |
VS VS |
Super Surplus Gold Not a standard OPD benefit |
| Deductible Option |
|---|
Active Fit Preferred Not established as a standard inbuilt benefit |
VS VS |
Super Surplus Gold Defined Limit applies to aggregate eligible hospitalisation expenses |
| Coverage Options |
|---|
Active Fit Preferred Individual, multi-individual, family floater structure as applicable. |
VS VS |
Super Surplus Gold ₹5 Lakh to ₹1 Crore for Gold Plan |
| Claim Settlement Ratio |
|---|
Active Fit Preferred 97% |
VS VS |
Super Surplus Gold Not specified |
| Maternity Cover |
|---|
Active Fit Preferred Yes, 40,000 normal/60,000 C-section. |
VS VS |
Super Surplus Gold Delivery expenses up to ₹50,000 per policy period, maximum two deliveries, subject to 12-month wait and conditions |
Insurance Plans Comparison
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Every suggestion is backed by expert analysis of your life stage, goals, and budget
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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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