Partner with us

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 more
Aditya Birla

Active 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
HDFC ERGO

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
Active Fit Preferred

Health Insurance Plan

VS
Critical Illness Silver Plan
Critical Illness Silver Plan

Health Insurance Plan

Room Rent

Active Fit Preferred

Any room for sum insured 5 lakh and above.

VS

Critical Illness Silver Plan

Not applicable.

ICU Charges

Active Fit Preferred

No capping, covered up to sum insured.

VS

Critical Illness Silver Plan

Not applicable — hospitalisation expenses are not indemnified under this policy

Co-payment

Active Fit Preferred

No.

VS

Critical Illness Silver Plan

Not applicable

Disease-wise sublimits

Active Fit Preferred

No broad disease sublimit identified; subject to policy terms.

VS

Critical Illness Silver Plan

Not applicable.

Cashless Healthcare Providers

Active Fit Preferred

16,500 + current insurer network

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

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

Critical Illness Silver Plan

Not specified

Daycare Treatment

Active Fit Preferred

All day care treatments covered up to sum insured.

VS

Critical Illness Silver Plan

Not applicable

Consumable Cover

Active Fit Preferred

Optional/subject to applicable cover

VS

Critical Illness Silver Plan

Not applicable.

AYUSH Treatment

Active Fit Preferred

Covered up to sum insured

VS

Critical Illness Silver Plan

Not applicable

Initial Waiting Period

Active Fit Preferred

30 days

VS

Critical Illness Silver Plan

90 days

Specific Waiting Period

Active Fit Preferred

24 months

VS

Critical Illness Silver Plan

Not specified.

PED Waiting Period

Active Fit Preferred

48 months

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

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

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

Critical Illness Silver Plan

Not applicable

Post-Hospitalisation

Active Fit Preferred

180 days

VS

Critical Illness Silver Plan

Not applicable

Outpatient Department Cover (OPD Expense)

Active Fit Preferred

Optional cover

VS

Critical Illness Silver Plan

Not applicable

Deductible Option

Active Fit Preferred

Not established as a standard inbuilt benefit

VS

Critical Illness Silver Plan

Not applicable

Coverage Options

Active Fit Preferred

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

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

Critical Illness Silver Plan

97% approximately

Maternity Cover

Active Fit Preferred

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

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?

End-to-End Support

End-to-End Support

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

Zero Spam. Zero Hassle

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

Compare With Other Health Insurance Plans

Oneassure

Health Insurance

Compare Health Insurance Plans

Active Fit Preferred Vs Critical Illness Silver Plan

Policy Pal

Chat with PolicyPal

Get a free policy review

No pressure. No product push. Just honest advice.