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Insurance Plans Comparison

Care Supreme (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

Supreme (Direct)

Buy Care Supreme Direct Online with an Online Platform Discount, Unlimited Recharge and Comprehensive Health Cover

What Makes It Special:

Online-purchase variant of Care Supreme with an online platform discount. Includes unlimited recharge, no separate room-rent or ICU limit, AYUSH and domiciliary hospitalisation up to SI, and cumulative bonus benefits.

Best For:

  • Online buyers who want to access the available online platform discount while retaining Care Supreme's core benefits.

  • Applicants looking for a policy with no separate room-rent or ICU-charge limit.

  • People who want unlimited recharge for eligible same or different illnesses.

  • Individuals and families seeking comprehensive hospitalisation coverage.

  • Customers who prefer purchasing health insurance online.

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 Supreme (Direct)

  • Review optional benefits: Deductibles, co-payment, Smart Select, Cumulative Bonus Super, annual health check-ups and wellness benefits may change the premium or how claims are paid.

  • Check waiting periods: The standard brochure lists 30 days for illnesses, 24 months for named ailments and 48 months for pre-existing diseases.

  • Understand the bonus structure: The base Cumulative Bonus can reach 100% of SI. Optional Cumulative Bonus Super can increase the additional bonus further, subject to its conditions.

  • Choose the right Sum Insured: Compare the available individual and floater options against your expected healthcare expenses.

  • Consider online purchase: Care Supreme Direct is intended for online purchase and offers an online platform discount. Confirm the final premium and discount displayed during purchase.

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

Supreme (Direct)
Supreme (Direct)

Health Insurance Plan

Brochure

Policy Wording

VS
Active Fit Preferred
Active Fit Preferred

Health Insurance Plan

Room Rent

Supreme (Direct)

Full coverage for ICU and normal room charges up to SI.

VS

Active Fit Preferred

Any room for sum insured 5 lakh and above.

ICU Charges

Supreme (Direct)

Full coverage for ICU expenses and normal room charges up to sum insured.

VS

Active Fit Preferred

No capping, covered up to sum insured.

Co-payment

Supreme (Direct)

No mandatory co-payment; optional voluntary co-payment available.

VS

Active Fit Preferred

No.

Disease-wise sublimits

Supreme (Direct)

No disease-wise sub-limits.

VS

Active Fit Preferred

No broad disease sublimit identified; subject to policy terms.

Cashless Healthcare Providers

Supreme (Direct)

5,000+ network hospitals across India.

VS

Active Fit Preferred

16,500 + current insurer network

Restoration Benefit

Supreme (Direct)

Unlimited restoration benefit available.

VS

Active Fit Preferred

Binge refill - 100% sum insured, unlimited times

Cumulative Bonus

Supreme (Direct)

Provided annually on no-claim basis (specific % varies by year).

VS

Active Fit Preferred

10% per year, up to 100%

Daycare Treatment

Supreme (Direct)

Covers 200+ medical procedures: dialysis, chemotherapy, cataract surgery, etc.

VS

Active Fit Preferred

All day care treatments covered up to sum insured.

Consumable Cover

Supreme (Direct)

Included as part of hospitalisation expenses.

VS

Active Fit Preferred

Optional/subject to applicable cover

AYUSH Treatment

Supreme (Direct)

Covered on cashless basis at network facilities.

VS

Active Fit Preferred

Covered up to sum insured

Initial Waiting Period

Supreme (Direct)

30 days (except accidents).

VS

Active Fit Preferred

30 days

Specific Waiting Period

Supreme (Direct)

2 years for specified ailments.

VS

Active Fit Preferred

24 months

PED Waiting Period

Supreme (Direct)

3 years for pre-existing diseases.

VS

Active Fit Preferred

48 months

Modern Treatment

Supreme (Direct)

Covers cutting-edge procedures: robotic surgery, stem cell therapy, organ transplants, and other advanced treatments.

VS

Active Fit Preferred

Covered up to sum insured.

Annual Health Checkup

Supreme (Direct)

Available on cashless basis.

VS

Active Fit Preferred

Once every policy year

Pre-Hospitalisation

Supreme (Direct)

Pre-existing diseases covered after 3 years waiting period.

VS

Active Fit Preferred

90 days

Post-Hospitalisation

Supreme (Direct)

Covered as part of related hospitalisation medical expenses.

VS

Active Fit Preferred

180 days

Outpatient Department Cover (OPD Expense)

Supreme (Direct)

Not available in base plan, present as an add on.

VS

Active Fit Preferred

Optional cover

Deductible Option

Supreme (Direct)

Optional feature available.

VS

Active Fit Preferred

Not established as a standard inbuilt benefit

Coverage Options

Supreme (Direct)

Multiple SI options available (varies by plan).

VS

Active Fit Preferred

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

Claim Settlement Ratio

Supreme (Direct)

80%

VS

Active Fit Preferred

97%

Maternity Cover

Supreme (Direct)

Availability to be confirmed from policy document.

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?

End-to-End Support

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From choosing the right policy to managing claims, every step is handled for you

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Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

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

24/7 Claim Assistance

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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