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Insurance Plans Comparison

Care Ultimate (Direct) 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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Care

What Makes It Special:

Ultimate (Direct) is designed for those who want comprehensive coverage without restrictions. It offers extensive coverage for modern treatments and innovative features.

Best For:

  • Not available
VS
Aditya Birla

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

Care Ultimate (Direct)

Not available

Aditya Birla Active Fit Preferred

  • 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

Ultimate (Direct)
Ultimate (Direct)

Health Insurance Plan

Brochure

VS
Active Fit Preferred
Active Fit Preferred

Health Insurance Plan

Room Rent

Ultimate (Direct)

The cost of hospital room accommodation is covered under a health insurance policy, subject to specified limits.

No limit on room rent or ICU charges, allowing policyholders to choose any hospital room without financial constraints.

VS

Active Fit Preferred

Any room for sum insured 5 lakh and above.

Advanced Treatments

Ultimate (Direct)

Modern medical procedures like robotic surgery or stem cell therapy, often covered under specialized insurance plans.

Covers modern procedures like robotic surgery, stem cell therapy, oral chemotherapy, and deep brain stimulation for critical illnesses.

VS

Active Fit Preferred

Information Unavailable

ICU Charges

Ultimate (Direct)

Information Unavailable

VS

Active Fit Preferred

No capping, covered up to sum insured.

Co-payment

Ultimate (Direct)

A fixed percentage of the claim amount that the insured must pay out-of-pocket before the insurer covers the rest.

No mandatory co-payment for policyholders under 61; a 20% co-payment applies for those purchasing after turning 61.

VS

Active Fit Preferred

No.

Disease-wise sublimits

Ultimate (Direct)

Information Unavailable

VS

Active Fit Preferred

No broad disease sublimit identified; subject to policy terms.

Waiting Period

Ultimate (Direct)

The duration after policy issuance during which certain illnesses or conditions are not covered.

Coverage begins after 30 days for general illnesses, two years for specific conditions, and three years for pre-existing diseases.

VS

Active Fit Preferred

Information Unavailable

Cashless Healthcare Providers

Ultimate (Direct)

Hospitals and clinics within an insurer’s network where policyholders can receive treatment without upfront payments.

 

Access to over 24,800 network hospitals for cashless treatment, ensuring hassle-free hospitalization without upfront payments.

VS

Active Fit Preferred

16,500 + current insurer network

Restoration Benefit

Ultimate (Direct)

Information Unavailable

VS

Active Fit Preferred

Binge refill - 100% sum insured, unlimited times

Daycare Treatment

Ultimate (Direct)

Medical procedures requiring less than 24-hour hospitalization, such as cataract surgery or chemotherapy.

 

Covers treatments requiring hospitalization of less than 24 hours, such as cataract surgeries, chemotherapy, and other specialized procedures.

VS

Active Fit Preferred

All day care treatments covered up to sum insured.

Cumulative Bonus

Ultimate (Direct)

Information Unavailable

VS

Active Fit Preferred

10% per year, up to 100%

Consumable Cover

Ultimate (Direct)

Information Unavailable

VS

Active Fit Preferred

Optional/subject to applicable cover

AYUSH Treatment

Ultimate (Direct)

Information Unavailable

VS

Active Fit Preferred

Covered up to sum insured

Initial Waiting Period

Ultimate (Direct)

Information Unavailable

VS

Active Fit Preferred

30 days

Specific Waiting Period

Ultimate (Direct)

Information Unavailable

VS

Active Fit Preferred

24 months

PED Waiting Period

Ultimate (Direct)

Information Unavailable

VS

Active Fit Preferred

48 months

Modern Treatment

Ultimate (Direct)

Information Unavailable

VS

Active Fit Preferred

Covered up to sum insured.

Annual Health Checkup

Ultimate (Direct)

Information Unavailable

VS

Active Fit Preferred

Once every policy year

Pre-Hospitalisation

Ultimate (Direct)

Information Unavailable

VS

Active Fit Preferred

90 days

Post-Hospitalisation

Ultimate (Direct)

Information Unavailable

VS

Active Fit Preferred

180 days

Outpatient Department Cover (OPD Expense)

Ultimate (Direct)

Information Unavailable

VS

Active Fit Preferred

Optional cover

Deductible Option

Ultimate (Direct)

Information Unavailable

VS

Active Fit Preferred

Not established as a standard inbuilt benefit

Coverage Options

Ultimate (Direct)

Information Unavailable

VS

Active Fit Preferred

Individual, multi-individual, family floater structure as applicable.

Claim Settlement Ratio

Ultimate (Direct)

Information Unavailable

VS

Active Fit Preferred

97%

Maternity Cover

Ultimate (Direct)

Information Unavailable

VS

Active Fit Preferred

Yes, 40,000 normal/60,000 C-section.

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?

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Free Expert Consultation

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Talk to experienced advisors at no cost, and make confident decisions

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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

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

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

Family Health Plan

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

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.

1-5 of 10 FAQs

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