Insurance Plans Comparison
Aditya Birla Active Fit Preferred vs HDFC ERGO Critical Illness Silver Plan
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
Critical Illness Silver Plan
Affordable lump-sum cover for 8 major critical illnesses
What Makes It Special:
The Silver Plan pays the sum insured as a single lump sum on first diagnosis of any one of 8 listed critical illnesses after the chosen survival period of 15 or 30 days, and at every age band and sum insured its premium is lower than the Platinum Plan's, which...
Best For:
Buyers topping up an existing critical illness benefit from an employer or a life insurer with additional standalone cover
Younger applicants looking to start critical illness cover early, since entry is permitted from 5 years of age
Buyers who already hold a hospitalisation policy and want a separate lump sum for income loss and non-medical costs
Buyers whose main concern is the four most common critical illness categories — heart, cancer, stroke and kidney failure
Buyers who want critical illness cover at the lowest premium within this product and accept a shorter list of covered conditions
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.
Set the sum insured against the income and costs you would need to replace during treatment rather than against expected hospital bills, because the payout is a fixed benefit and not a reimbursement.
Pre-existing conditions carry a 48-month waiting period, so if you have a declared condition, weigh whether the Silver Plan's lower premium still meets your need over that delay.
The benefit is payable once, so treat this as a supplement to a hospitalisation policy and not a substitute for one.
The plan pays only on first diagnosis of a listed condition as defined in the policy, so read the severity thresholds on heart attack, cancer and stroke before assuming a diagnosis will qualify.
Compare the 8-illness list against the Platinum Plan's 15 before choosing, since the Silver Plan excludes Parkinson's disease, Alzheimer's disease, benign brain tumour, end-stage liver failure, surgery of aorta, primary pulmonary hypertension and heart valve replacement or repair.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Active Fit Preferred Health Insurance Plan VS VS |
![]() Critical Illness Silver Plan Health Insurance Plan |
| Room Rent |
|---|
Active Fit Preferred Any room for sum insured 5 lakh and above. |
VS VS |
Critical Illness Silver Plan Not applicable. |
| ICU Charges |
|---|
Active Fit Preferred No capping, covered up to sum insured. |
VS VS |
Critical Illness Silver Plan Not applicable — hospitalisation expenses are not indemnified under this policy |
| Co-payment |
|---|
Active Fit Preferred No. |
VS VS |
Critical Illness Silver Plan Not applicable |
| Disease-wise sublimits |
|---|
Active Fit Preferred No broad disease sublimit identified; subject to policy terms. |
VS VS |
Critical Illness Silver Plan Not applicable. |
| Cashless Healthcare Providers |
|---|
Active Fit Preferred 16,500 + current insurer network |
VS VS |
Critical Illness Silver Plan 16,000 cashless healthcare providers (insurer-level, as of August 2025). Cashless hospitalisation is not the mechanism of this policy, which pays a lump sum on diagnosis |
| Restoration Benefit |
|---|
Active Fit Preferred Binge refill - 100% sum insured, unlimited times |
VS VS |
Critical Illness Silver Plan Not applicable — the benefit is payable once, on first diagnosis |
| Cumulative Bonus |
|---|
Active Fit Preferred 10% per year, up to 100% |
VS VS |
Critical Illness Silver Plan Not specified |
| Daycare Treatment |
|---|
Active Fit Preferred All day care treatments covered up to sum insured. |
VS VS |
Critical Illness Silver Plan Not applicable |
| Consumable Cover |
|---|
Active Fit Preferred Optional/subject to applicable cover |
VS VS |
Critical Illness Silver Plan Not applicable. |
| AYUSH Treatment |
|---|
Active Fit Preferred Covered up to sum insured |
VS VS |
Critical Illness Silver Plan Not applicable |
| Initial Waiting Period |
|---|
Active Fit Preferred 30 days |
VS VS |
Critical Illness Silver Plan 90 days |
| Specific Waiting Period |
|---|
Active Fit Preferred 24 months |
VS VS |
Critical Illness Silver Plan Not specified. |
| PED Waiting Period |
|---|
Active Fit Preferred 48 months |
VS VS |
Critical Illness Silver Plan 48 months for all pre-existing conditions declared and/or accepted at application |
| Modern Treatment |
|---|
Active Fit Preferred Covered up to sum insured. |
VS VS |
Critical Illness Silver Plan Not applicable — this is a fixed-benefit policy paying a lump sum, not an indemnity cover for treatment costs |
| Annual Health Checkup |
|---|
Active Fit Preferred Once every policy year |
VS VS |
Critical Illness Silver Plan Not specified. A pre-policy medical check may be required based on age and sum insured; 50% of standard medical test charges is reimbursed if conducted at an empanelled diagnostic centre, subject to acceptance of the proposal and policy issuance |
| Pre-Hospitalisation |
|---|
Active Fit Preferred 90 days |
VS VS |
Critical Illness Silver Plan Not applicable |
| Post-Hospitalisation |
|---|
Active Fit Preferred 180 days |
VS VS |
Critical Illness Silver Plan Not applicable |
| Outpatient Department Cover (OPD Expense) |
|---|
Active Fit Preferred Optional cover |
VS VS |
Critical Illness Silver Plan Not applicable |
| Deductible Option |
|---|
Active Fit Preferred Not established as a standard inbuilt benefit |
VS VS |
Critical Illness Silver Plan Not applicable |
| Coverage Options |
|---|
Active Fit Preferred Individual, multi-individual, family floater structure as applicable. |
VS VS |
Critical Illness Silver Plan Not specified — cover is written per insured person; no individual/floater structure is stated |
| Claim Settlement Ratio |
|---|
Active Fit Preferred 97% |
VS VS |
Critical Illness Silver Plan 97% approximately |
| Maternity Cover |
|---|
Active Fit Preferred Yes, 40,000 normal/60,000 C-section. |
VS VS |
Critical Illness Silver Plan Not covered. |
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
Critical Illness Silver Plan vs Supreme Senior Premium
Critical Illness Silver Plan vs Ultimate
Critical Illness Silver Plan vs Optima Secure
Critical Illness Silver Plan vs Super Mediclaim
Critical Illness Silver Plan vs Critical Illness Platinum Plan
Critical Illness Silver Plan vs Health Recharge
Critical Illness Silver Plan vs Optima Secure Plus
Critical Illness Silver Plan vs Cancer Cover Activ Cancer Secure Plan
Critical Illness Silver Plan vs Optima Secure Global Plus
Critical Illness Silver Plan vs LifeTime Health Global
Critical Illness Silver Plan vs Women Care
Critical Illness Silver Plan vs Aspire Diamond+
Critical Illness Silver Plan vs Activate Booster Plan A
Critical Illness Silver Plan vs Health Super Saver Standard
Critical Illness Silver Plan vs Active Care Premier
Critical Illness Silver Plan vs ProHealth Accumulate
Critical Illness Silver Plan vs Supreme Shine
Critical Illness Silver Plan vs Health Cardiac Care Silver & Gold Plan
Critical Illness Silver Plan vs myHealth Suraksha Gold
Critical Illness Silver Plan vs Elder Care
Critical Illness Silver Plan vs Young Star Gold
Critical Illness Silver Plan vs Assure
Critical Illness Silver Plan vs Active Fit Plus
Critical Illness Silver Plan vs Cancer Care Platinum
Critical Illness Silver Plan vs OneHealth Premium
Critical Illness Silver Plan vs Optima Lite
Critical Illness Silver Plan vs ProHealth Prime Protect
Critical Illness Silver Plan vs Medicare Plus
Critical Illness Silver Plan vs Activ Health Platinum Essential
Critical Illness Silver Plan vs Medicare Senior
Critical Illness Silver Plan vs Enhance Super Top-up Two
Critical Illness Silver Plan vs Reassure 3.0
Critical Illness Silver Plan vs Medicare Protect
Critical Illness Silver Plan vs Activ One SAVR
Critical Illness Silver Plan vs Active Assure Diamond
Critical Illness Silver Plan vs Activ One VIP
Critical Illness Silver Plan vs Health Pulse Classic
Critical Illness Silver Plan vs Advantage
Critical Illness Silver Plan vs Mediclaim Insurance Policy
Critical Illness Silver Plan vs Special Care Gold
Critical Illness Silver Plan vs Activ One Max
Critical Illness Silver Plan vs Classic
Critical Illness Silver Plan vs Activ One Vytl
Critical Illness Silver Plan vs Supreme
Critical Illness Silver Plan vs Freedom
Critical Illness Silver Plan vs Sarvah Pratham
Critical Illness Silver Plan vs Joy Today
Critical Illness Silver Plan vs Medi Classic
Critical Illness Silver Plan vs Activate Booster Plan B
Critical Illness Silver Plan vs Aspire Gold+
Critical Illness Silver Plan vs Health Gain
Critical Illness Silver Plan vs Aspire Platinum+
Critical Illness Silver Plan vs Plus Complete
Critical Illness Silver Plan vs Reassure 2.0 Platinum+
Critical Illness Silver Plan vs Reassure 3.0 Elite
Critical Illness Silver Plan vs EquiCover
Critical Illness Silver Plan vs Enhance Super Top-up One
Critical Illness Silver Plan vs Joy Tomorrow
Critical Illness Silver Plan vs Reassure 3.0 Select
Critical Illness Silver Plan vs Activ One VIP+
Critical Illness Silver Plan vs Red Carpet Senior Citizens
Critical Illness Silver Plan vs Super Surplus Gold
Critical Illness Silver Plan vs Health SuperCharge
Critical Illness Silver Plan vs Medicare Premier
Critical Illness Silver Plan vs Family Health Optima
Critical Illness Silver Plan vs Health Companion Variant 2022
Critical Illness Silver Plan vs Health Companion Variant 3
Critical Illness Silver Plan vs Plus Youth
Critical Illness Silver Plan vs ProHealth Prime Advantage
Critical Illness Silver Plan vs Health Premia Gold
Critical Illness Silver Plan vs Health Premia Platinum
Critical Illness Silver Plan vs Comprehensive
Critical Illness Silver Plan vs HeartBeat Enhanced
Critical Illness Silver Plan vs Reassure
Critical Illness Silver Plan vs Health Recharge Super Top Up Plan
Critical Illness Silver Plan vs myHealth Suraksha Platinum
Critical Illness Silver Plan vs Supreme Value for Money
Critical Illness Silver Plan vs Supreme Enhance Two
Critical Illness Silver Plan vs Supreme Senior Super
Critical Illness Silver Plan vs Supreme Enhance
Critical Illness Silver Plan vs Reassure 2.0 Gold
Critical Illness Silver Plan vs Active Fit Preferred
Critical Illness Silver Plan vs LifeTime Health
Critical Illness Silver Plan vs Medicare
Critical Illness Silver Plan vs ProHealth Prime Active
Critical Illness Silver Plan vs ProHealth Prime Senior Elite
Critical Illness Silver Plan vs Advanced Top Up
Critical Illness Silver Plan vs Multiplier Health
Critical Illness Silver Plan vs Ultimate (Direct)
Critical Illness Silver Plan vs Young Star
Critical Illness Silver Plan vs Star Women Care Policy
Critical Illness Silver Plan vs Family Plus
Critical Illness Silver Plan vs Sarvah Param
Critical Illness Silver Plan vs Optima Insurance
Critical Illness Silver Plan vs Smart Super Health Assure
Critical Illness Silver Plan vs Criti Shield Plus
Critical Illness Silver Plan vs Health Care Supreme Ultimo
Critical Illness Silver Plan vs Health Shield 360 Retail
Critical Illness Silver Plan vs Super Star
Critical Illness Silver Plan vs Reassure 3.0 Black
Critical Illness Silver Plan vs Health Guard Platinum
Critical Illness Silver Plan vs Health Guard Gold
Critical Illness Silver Plan vs Elevate (Direct)
Critical Illness Silver Plan vs Senior First Platinum
Critical Illness Silver Plan vs Extra Care Plus Super Top-up
Critical Illness Silver Plan vs Health Care Supreme Smart
Critical Illness Silver Plan vs Medi Classic Gold
Critical Illness Silver Plan vs Smart Health Pro
Critical Illness Silver Plan vs Optima Super Secure
Critical Illness Silver Plan vs Special Care
Critical Illness Silver Plan vs Optima Secure Global
Critical Illness Silver Plan vs Medicare LITE
Critical Illness Silver Plan vs Health Shield 360
Critical Illness Silver Plan vs NextGen
Critical Illness Silver Plan vs SecureHealth
Critical Illness Silver Plan vs Energy Silver With Copay
Critical Illness Silver Plan vs Supreme (Direct)
Critical Illness Silver Plan vs Plus
Critical Illness Silver Plan vs Medicare Select
Critical Illness Silver Plan vs myHealth Koti Suraksha
Critical Illness Silver Plan vs Senior
Critical Illness Silver Plan vs myHealth Suraksha Silver
Critical Illness Silver Plan vs Cardiac Care Platinum
Critical Illness Silver Plan vs Royal Sundaram Lifeline Elite
Critical Illness Silver Plan vs HeartBeat Platinum
Critical Illness Silver Plan vs Supreme Enhance One
Critical Illness Silver Plan vs HeartBeat Gold
Critical Illness Silver Plan vs Aspire Titanium+
Critical Illness Silver Plan vs iHealth Plus
Critical Illness Silver Plan vs Reassure 3.0 Classic
Critical Illness Silver Plan vs Senior Health Advantage
Critical Illness Silver Plan vs Health Wallet
Critical Illness Silver Plan vs Elevate
Critical Illness Silver Plan vs Heart
Critical Illness Silver Plan vs Reassure 2.0 Titanium+
Critical Illness Silver Plan vs Diabetes Safe Plan A
Critical Illness Silver Plan vs Reassure 2.0 Bronze+
Critical Illness Silver Plan vs Young Star Silver
Critical Illness Silver Plan vs Enhance Super Top-up
Critical Illness Silver Plan vs Joy
Critical Illness Silver Plan vs Supreme Senior Health AdvantEdge
Critical Illness Silver Plan vs Supreme Super Saver
Critical Illness Silver Plan vs Health Insurance Platinum
Oneassure
Health Insurance
Compare Health Insurance Plans
Active Fit Preferred Vs Critical Illness Silver Plan
Chat with PolicyPal
Get a free policy review
No pressure. No product push. Just honest advice.






.png)

