Insurance Plans Comparison
Aditya Birla Active Fit Plus vs HDFC ERGO Energy Silver Without Copay
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
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Active Fit Plus
Wellness-driven health protection with Binge Refill and HealthReturns
What Makes It Special:
Activ Fit Plus is designed around health insurance and wellness rewards, with Binge Refill, health assessment, HealthReturns and fitness-linked benefits.
Best For:
People looking for broad hospitalisation and daycare coverage
Buyers wanting unlimited sum insured refill
Customers interested in wellness rewards
Younger adults and families
VS
Energy Silver Without Copay
Cover diabetes and hypertension from day one with no co-pay, pay for your own wellness tests, and get a one-time 100% restore plus a 10% yearly bonus even after claims, up to 100% of the sum insured.
What Makes It Special:
Energy is written specifically for people already diagnosed with Type I or Type II diabetes, pre-diabetes or hypertension, and covers hospitalisation arising out of those conditions from the first day of the policy rather than after a pre-existing disease waiting period; this configuration keeps claims free of co-payment while holding...
Best For:
Buyers who intend to participate in the wellness programme for the renewal discount even though they pay for the tests themselves
People who expect a sizeable hospitalisation, where a 20% co-payment would be costly in absolute terms
Buyers who prioritise full claim settlement over bundled wellness benefits when choosing between the four configurations
Buyers who already get HbA1c and lipid monitoring through an employer scheme or pay for it themselves and do not need the test cost bundled in
Individuals diagnosed with diabetes or hypertension who want day-one cover for that condition without contributing a share of each claim
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
Waiting periods should be reviewed before purchase.
Maternity is not part of the Plus variant.
Binge Refill can provide additional protection after some insured is exhausted.
Suitable if wellness linked rewards are important.
This is an individual-only policy with no floater option, so if a spouse or parent also needs cover, budget for separate policies rather than adding them to this one.
The day-one cover applies to hospitalisation arising out of diabetes and hypertension only, so any other pre-existing condition still waits 24 months and should be declared at proposal.
You still need to undergo the wellness tests to earn reward points and the renewal discount of up to 25%, so factor the test cost into your running cost of the policy.
Compare it against the Silver plan with co-payment by calculating 20% of a realistic claim at your sum insured, because that is the amount the extra premium here buys out.
Compare this against the Gold plan without co-payment by pricing the two wellness tests locally, since the only stated difference between the plans is who bears that cost.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Active Fit Plus Health Insurance Plan VS VS |
Energy Silver Without Copay Health Insurance Plan |
| Room Rent |
|---|
Active Fit Plus Any room for some in short 5 lakh and above. |
VS VS |
Energy Silver Without Copay
|
| ICU Charges |
|---|
Active Fit Plus No sublimit or caps. |
VS VS |
Energy Silver Without Copay Not specified. |
| Advanced Treatments |
|---|
Active Fit Plus Information Unavailable |
VS VS |
Energy Silver Without Copay Includes modern medical procedures like robotic surgery, organ transplants, and advanced cancer treatments for enhanced healthcare access. |
| Co-payment |
|---|
Active Fit Plus No mandatory co-payment identified. |
VS VS |
Energy Silver Without Copay No copayments. Mentioned in the name of the policy itself. |
| Disease-wise sublimits |
|---|
Active Fit Plus Subject to policy terms. |
VS VS |
Energy Silver Without Copay Not specified |
| Waiting Period |
|---|
Active Fit Plus Information Unavailable |
VS VS |
Energy Silver Without Copay
|
| Cashless Healthcare Providers |
|---|
Active Fit Plus Current insurer network is 16,500+. |
VS VS |
Energy Silver Without Copay 16,000 cashless healthcare providers. |
| Restoration Benefit |
|---|
Active Fit Plus Binge refill - 100% sum insured, unlimited times |
VS VS |
Energy Silver Without Copay Restore Benefit stated as available; the restoration amount, number of restorations and conditions are Not specified in the available literature |
| Cumulative Bonus |
|---|
Active Fit Plus 10% of SI per year, maximum 100% |
VS VS |
Energy Silver Without Copay Not covered — non-medical expenses are excluded |
| Daycare Treatment |
|---|
Active Fit Plus All daycare treatments up to sum insured |
VS VS |
Energy Silver Without Copay Covered under the policy. |
| Consumable Cover |
|---|
Active Fit Plus Optional/subject to applicable cover |
VS VS |
Energy Silver Without Copay Not covered — non-medical expenses are excluded |
| AYUSH Treatment |
|---|
Active Fit Plus Covered up to sum insured |
VS VS |
Energy Silver Without Copay Covered under this policy |
| Initial Waiting Period |
|---|
Active Fit Plus 30 days |
VS VS |
Energy Silver Without Copay Not specified. No waiting period applies to hospitalisation arising out of diabetes or hypertension |
| Specific Waiting Period |
|---|
Active Fit Plus Information Unavailable |
VS VS |
Energy Silver Without Copay 24 months for specified diseases including cataract, hernia, joint replacement surgeries and surgery of hydrocele |
| PED Waiting Period |
|---|
Active Fit Plus 36 months |
VS VS |
Energy Silver Without Copay 24 months for pre-existing conditions other than diabetes or hypertension; diabetes and hypertension covered from day one. Waiting periods reduce by 1 year on each continuous renewal |
| Modern Treatment |
|---|
Active Fit Plus Covered up to sum insured |
VS VS |
Energy Silver Without Copay Not specified. |
| Annual Health Checkup |
|---|
Active Fit Plus Once every policy year for eligible insured persons |
VS VS |
Energy Silver Without Copay Two wellness tests per policy year are available, but their cost is excluded under the Silver plan and borne by the insured |
| Pre-Hospitalisation |
|---|
Active Fit Plus 90 days |
VS VS |
Energy Silver Without Copay Information Unavailable |
| Post-Hospitalisation |
|---|
Active Fit Plus 180 days |
VS VS |
Energy Silver Without Copay 60 days |
| Outpatient Department Cover (OPD Expense) |
|---|
Active Fit Plus Not part of standard hospitalisation cover; optional OPD available. |
VS VS |
Energy Silver Without Copay Not covered as a benefit. Reward points can instead reimburse up to 25% of renewal premium towards medical expenses such as consultations, medicines, diagnostics and dental expenses not covered under any medical insurance |
| Deductible Option |
|---|
Active Fit Plus Not established as a standard inbuilt benefit |
VS VS |
Energy Silver Without Copay Not specified |
| Coverage Options |
|---|
Active Fit Plus Individual, multi-individual, and family floater available. |
VS VS |
Energy Silver Without Copay Individual only — no family floater option |
| Claim Settlement Ratio |
|---|
Active Fit Plus 97% |
VS VS |
Energy Silver Without Copay Information Unavailable |
| Maternity Cover |
|---|
Active Fit Plus Not available. |
VS VS |
Energy Silver Without Copay Not covered — pregnancy is excluded |
Insurance Plans Comparison
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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
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We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later
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From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free
Insurance Plans Comparison
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