Insurance Plans Comparison
Aditya Birla Active Fit Preferred vs Care Ultimate
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreActive Fit Preferred
Get maternity cover over and above the sum insured, up to ₹40,000 for a normal delivery and ₹60,000 for a C-section, plus unlimited refills of the sum insured for any illness or injury.
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
Ultimate
Health insurance with unlimited restoration, moneyback rewards and long-term loyalty benefits.
What Makes It Special:
Comprehensive Health Insurance
Best For:
Health-conscious customers seeking wellness rewards and renewal discounts.
Individuals interested in unlimited restoration of their sum insured.
Customers who value rewards for remaining claim-free.
People looking for coverage options up to ₹1 crore.
Individuals and families seeking comprehensive hospitalisation coverage.
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.
Review waiting periods: The standard waiting periods are 30 days for initial illnesses, 24 months for named ailments and 36 months for pre-existing diseases.
Evaluate wellness rewards: The optional Wellness Benefit offers renewal discounts based on qualifying healthy days and applicable conditions.
Look at Infinity Bonus: This optional benefit provides an additional 100% of base sum insured per year, irrespective of claims, with continuous renewal.
Consider the moneyback benefit: The optional Premium Payback benefit refunds the first policy year's base premium after five consecutive claim-free policy years, subject to renewal conditions.
Choose for comprehensive coverage: The brochure lists inpatient care, day-care procedures, advanced technology treatments, AYUSH and other hospitalisation benefits, subject to policy terms.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Active Fit Preferred Health Insurance Plan VS VS |
Ultimate Health Insurance Plan |
| Room Rent |
|---|
Active Fit Preferred Any room for sum insured 5 lakh and above. |
VS VS |
Ultimate All room categories are covered |
| ICU Charges |
|---|
Active Fit Preferred No capping, covered up to sum insured. |
VS VS |
Ultimate No restriction on ICU room rent |
| Co-payment |
|---|
Active Fit Preferred No. |
VS VS |
Ultimate Not available |
| Disease-wise sublimits |
|---|
Active Fit Preferred No broad disease sublimit identified; subject to policy terms. |
VS VS |
Ultimate No |
| Cashless Healthcare Providers |
|---|
Active Fit Preferred 16,500 + current insurer network |
VS VS |
Ultimate 21700+ Healthcare Providers |
| Restoration Benefit |
|---|
Active Fit Preferred Binge refill - 100% sum insured, unlimited times |
VS VS |
Ultimate Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses |
| Cumulative Bonus |
|---|
Active Fit Preferred 10% per year, up to 100% |
VS VS |
Ultimate Your sum insured increases by 50% every year maximum upto 100%. However, you can pay an additional premium to increase sum insured up to 100%, every year. |
| Daycare Treatment |
|---|
Active Fit Preferred All day care treatments covered up to sum insured. |
VS VS |
Ultimate Covers medical expenses for treatments not requiring 24-hour hospitalization, up to annual sum insured |
| Consumable Cover |
|---|
Active Fit Preferred Optional/subject to applicable cover |
VS VS |
Ultimate No. However, available as an add-on |
| AYUSH Treatment |
|---|
Active Fit Preferred Covered up to sum insured |
VS VS |
Ultimate Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Initial Waiting Period |
|---|
Active Fit Preferred 30 days |
VS VS |
Ultimate 30 days |
| Specific Waiting Period |
|---|
Active Fit Preferred 24 months |
VS VS |
Ultimate 2 years |
| PED Waiting Period |
|---|
Active Fit Preferred 48 months |
VS VS |
Ultimate 3 years |
| Modern Treatment |
|---|
Active Fit Preferred Covered up to sum insured. |
VS VS |
Ultimate Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
| Annual Health Checkup |
|---|
Active Fit Preferred Once every policy year |
VS VS |
Ultimate Health checkup is not included as part of base cover. However, available as an add-on |
| Pre-Hospitalisation |
|---|
Active Fit Preferred 90 days |
VS VS |
Ultimate You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved |
| Post-Hospitalisation |
|---|
Active Fit Preferred 180 days |
VS VS |
Ultimate You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it |
| Outpatient Department Cover (OPD Expense) |
|---|
Active Fit Preferred Optional cover |
VS VS |
Ultimate OPD expense is not included as part of base cover. However, available as an add-on |
| Deductible Option |
|---|
Active Fit Preferred Not established as a standard inbuilt benefit |
VS VS |
Ultimate Not available |
| Coverage Options |
|---|
Active Fit Preferred Individual, multi-individual, family floater structure as applicable. |
VS VS |
Ultimate Available coverage options: ₹5L, 7L, 10L, 15L, 20L, 25L, 50L, 1 Cr |
| Claim Settlement Ratio |
|---|
Active Fit Preferred 97% |
VS VS |
Ultimate 96% |
| Maternity Cover |
|---|
Active Fit Preferred Yes, 40,000 normal/60,000 C-section. |
VS VS |
Ultimate Not available |
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 Supreme Senior Premium
Active Fit Preferred vs Ultimate
Active Fit Preferred vs Optima Secure
Active Fit Preferred vs Super Mediclaim
Active Fit Preferred vs Critical Illness Platinum Plan
Active Fit Preferred vs Health Recharge
Active Fit Preferred vs Optima Secure Plus
Active Fit Preferred vs Cancer Cover Activ Cancer Secure Plan
Active Fit Preferred vs Optima Secure Global Plus
Active Fit Preferred vs LifeTime Health Global
Active Fit Preferred vs Women Care
Active Fit Preferred vs Aspire Diamond+
Active Fit Preferred vs Activate Booster Plan A
Active Fit Preferred vs Health Super Saver Standard
Active Fit Preferred vs Active Care Premier
Active Fit Preferred vs ProHealth Accumulate
Active Fit Preferred vs Supreme Shine
Active Fit Preferred vs Health Cardiac Care Silver & Gold Plan
Active Fit Preferred vs myHealth Suraksha Gold
Active Fit Preferred vs Elder Care
Active Fit Preferred vs Young Star Gold
Active Fit Preferred vs Assure
Active Fit Preferred vs Active Fit Plus
Active Fit Preferred vs Cancer Care Platinum
Active Fit Preferred vs OneHealth Premium
Active Fit Preferred vs Optima Lite
Active Fit Preferred vs ProHealth Prime Protect
Active Fit Preferred vs Medicare Plus
Active Fit Preferred vs Activ Health Platinum Essential
Active Fit Preferred vs Medicare Senior
Active Fit Preferred vs Enhance Super Top-up Two
Active Fit Preferred vs Reassure 3.0
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 Mediclaim Insurance Policy
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 Health Gain
Active Fit Preferred vs Aspire Platinum+
Active Fit Preferred vs Plus Complete
Active Fit Preferred vs Reassure 2.0 Platinum+
Active Fit Preferred vs Reassure 3.0 Elite
Active Fit Preferred vs EquiCover
Active Fit Preferred vs Enhance Super Top-up One
Active Fit Preferred vs Joy Tomorrow
Active Fit Preferred vs Reassure 3.0 Select
Active Fit Preferred vs Activ One VIP+
Active Fit Preferred vs Red Carpet Senior Citizens
Active Fit Preferred vs Super Surplus Gold
Active Fit Preferred vs Health SuperCharge
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 ProHealth Prime Advantage
Active Fit Preferred vs Critical Illness Silver Plan
Active Fit Preferred vs Health Premia Gold
Active Fit Preferred vs Health Premia Platinum
Active Fit Preferred vs Comprehensive
Active Fit Preferred vs HeartBeat Enhanced
Active Fit Preferred vs Reassure
Active Fit Preferred vs Health Recharge Super Top Up Plan
Active Fit Preferred vs myHealth Suraksha Platinum
Active Fit Preferred vs Supreme Value for Money
Active Fit Preferred vs Supreme Enhance Two
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 LifeTime Health
Active Fit Preferred vs Medicare
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 Ultimate (Direct)
Active Fit Preferred vs Young Star
Active Fit Preferred vs Star Women Care Policy
Active Fit Preferred vs Family Plus
Active Fit Preferred vs Sarvah Param
Active Fit Preferred vs Optima Insurance
Active Fit Preferred vs Smart Super Health Assure
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 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 Senior First Platinum
Active Fit Preferred vs Extra Care Plus Super Top-up
Active Fit Preferred vs Health Care Supreme Smart
Active Fit Preferred vs Medi Classic Gold
Active Fit Preferred vs Smart Health Pro
Active Fit Preferred vs Optima Super Secure
Active Fit Preferred vs Special Care
Active Fit Preferred vs Optima Secure Global
Active Fit Preferred vs Medicare LITE
Active Fit Preferred vs Health Shield 360
Active Fit Preferred vs NextGen
Active Fit Preferred vs SecureHealth
Active Fit Preferred vs Energy Silver With Copay
Active Fit Preferred vs Supreme (Direct)
Active Fit Preferred vs Plus
Active Fit Preferred vs Medicare Select
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 HeartBeat Platinum
Active Fit Preferred vs Supreme Enhance One
Active Fit Preferred vs HeartBeat Gold
Active Fit Preferred vs Aspire Titanium+
Active Fit Preferred vs iHealth Plus
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 Reassure 2.0 Titanium+
Active Fit Preferred vs Diabetes Safe Plan A
Active Fit Preferred vs Reassure 2.0 Bronze+
Active Fit Preferred vs Young Star Silver
Active Fit Preferred vs Enhance Super Top-up
Active Fit Preferred vs Joy
Active Fit Preferred vs Supreme Senior Health AdvantEdge
Active Fit Preferred vs Supreme Super Saver
Active Fit Preferred vs Health Insurance Platinum
Ultimate vs Supreme Senior Premium
Ultimate vs Optima Secure
Ultimate vs Super Mediclaim
Ultimate vs Critical Illness Platinum Plan
Ultimate vs Health Recharge
Ultimate vs Optima Secure Plus
Ultimate vs Cancer Cover Activ Cancer Secure Plan
Ultimate vs Optima Secure Global Plus
Ultimate vs LifeTime Health Global
Ultimate vs Women Care
Ultimate vs Aspire Diamond+
Ultimate vs Activate Booster Plan A
Ultimate vs Health Super Saver Standard
Ultimate vs Active Care Premier
Ultimate vs ProHealth Accumulate
Ultimate vs Supreme Shine
Ultimate vs Health Cardiac Care Silver & Gold Plan
Ultimate vs myHealth Suraksha Gold
Ultimate vs Elder Care
Ultimate vs Young Star Gold
Ultimate vs Assure
Ultimate vs Active Fit Plus
Ultimate vs Cancer Care Platinum
Ultimate vs OneHealth Premium
Ultimate vs Optima Lite
Ultimate vs ProHealth Prime Protect
Ultimate vs Medicare Plus
Ultimate vs Activ Health Platinum Essential
Ultimate vs Medicare Senior
Ultimate vs Enhance Super Top-up Two
Ultimate vs Reassure 3.0
Ultimate vs Medicare Protect
Ultimate vs Activ One SAVR
Ultimate vs Active Assure Diamond
Ultimate vs Activ One VIP
Ultimate vs Health Pulse Classic
Ultimate vs Advantage
Ultimate vs Mediclaim Insurance Policy
Ultimate vs Special Care Gold
Ultimate vs Activ One Max
Ultimate vs Classic
Ultimate vs Activ One Vytl
Ultimate vs Supreme
Ultimate vs Freedom
Ultimate vs Sarvah Pratham
Ultimate vs Joy Today
Ultimate vs Medi Classic
Ultimate vs Activate Booster Plan B
Ultimate vs Aspire Gold+
Ultimate vs Health Gain
Ultimate vs Aspire Platinum+
Ultimate vs Plus Complete
Ultimate vs Reassure 2.0 Platinum+
Ultimate vs Reassure 3.0 Elite
Ultimate vs EquiCover
Ultimate vs Enhance Super Top-up One
Ultimate vs Joy Tomorrow
Ultimate vs Reassure 3.0 Select
Ultimate vs Activ One VIP+
Ultimate vs Red Carpet Senior Citizens
Ultimate vs Super Surplus Gold
Ultimate vs Health SuperCharge
Ultimate vs Medicare Premier
Ultimate vs Family Health Optima
Ultimate vs Health Companion Variant 2022
Ultimate vs Health Companion Variant 3
Ultimate vs Plus Youth
Ultimate vs ProHealth Prime Advantage
Ultimate vs Critical Illness Silver Plan
Ultimate vs Health Premia Gold
Ultimate vs Health Premia Platinum
Ultimate vs Comprehensive
Ultimate vs HeartBeat Enhanced
Ultimate vs Reassure
Ultimate vs Health Recharge Super Top Up Plan
Ultimate vs myHealth Suraksha Platinum
Ultimate vs Supreme Value for Money
Ultimate vs Supreme Enhance Two
Ultimate vs Supreme Senior Super
Ultimate vs Supreme Enhance
Ultimate vs Reassure 2.0 Gold
Ultimate vs Active Fit Preferred
Ultimate vs LifeTime Health
Ultimate vs Medicare
Ultimate vs ProHealth Prime Active
Ultimate vs ProHealth Prime Senior Elite
Ultimate vs Advanced Top Up
Ultimate vs Multiplier Health
Ultimate vs Ultimate (Direct)
Ultimate vs Young Star
Ultimate vs Star Women Care Policy
Ultimate vs Family Plus
Ultimate vs Sarvah Param
Ultimate vs Optima Insurance
Ultimate vs Smart Super Health Assure
Ultimate vs Criti Shield Plus
Ultimate vs Health Care Supreme Ultimo
Ultimate vs Health Shield 360 Retail
Ultimate vs Super Star
Ultimate vs Reassure 3.0 Black
Ultimate vs Health Guard Platinum
Ultimate vs Health Guard Gold
Ultimate vs Elevate (Direct)
Ultimate vs Senior First Platinum
Ultimate vs Extra Care Plus Super Top-up
Ultimate vs Health Care Supreme Smart
Ultimate vs Medi Classic Gold
Ultimate vs Smart Health Pro
Ultimate vs Optima Super Secure
Ultimate vs Special Care
Ultimate vs Optima Secure Global
Ultimate vs Medicare LITE
Ultimate vs Health Shield 360
Ultimate vs NextGen
Ultimate vs SecureHealth
Ultimate vs Energy Silver With Copay
Ultimate vs Supreme (Direct)
Ultimate vs Plus
Ultimate vs Medicare Select
Ultimate vs myHealth Koti Suraksha
Ultimate vs Senior
Ultimate vs myHealth Suraksha Silver
Ultimate vs Cardiac Care Platinum
Ultimate vs Royal Sundaram Lifeline Elite
Ultimate vs HeartBeat Platinum
Ultimate vs Supreme Enhance One
Ultimate vs HeartBeat Gold
Ultimate vs Aspire Titanium+
Ultimate vs iHealth Plus
Ultimate vs Reassure 3.0 Classic
Ultimate vs Senior Health Advantage
Ultimate vs Health Wallet
Ultimate vs Elevate
Ultimate vs Heart
Ultimate vs Reassure 2.0 Titanium+
Ultimate vs Diabetes Safe Plan A
Ultimate vs Reassure 2.0 Bronze+
Ultimate vs Young Star Silver
Ultimate vs Enhance Super Top-up
Ultimate vs Joy
Ultimate vs Supreme Senior Health AdvantEdge
Ultimate vs Supreme Super Saver
Ultimate vs Health Insurance Platinum
Chat with PolicyPal
Get a free policy review
No pressure. No product push. Just honest advice.






.png)

