Insurance Plans Comparison
HDFC ERGO myHealth Koti Suraksha 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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myHealth Koti Suraksha
myHealth Koti Suraksha
What Makes It Special:
myHealth Koti Suraksha is designed for those who want comprehensive coverage without restrictions. It offers extensive coverage for modern treatments and innovative features.
Best For:
- Not available
VS
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
Not available
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
myHealth Koti Suraksha Health Insurance Plan VS VS |
Active Fit Preferred Health Insurance Plan |
| Room Rent |
|---|
myHealth Koti Suraksha Single Standard AC Room Covered as part of hospitalization expenses |
VS VS |
Active Fit Preferred Any room for sum insured 5 lakh and above. |
| Advanced Treatments |
|---|
myHealth Koti Suraksha Advanced Technology Methods Covered |
VS VS |
Active Fit Preferred Information Unavailable |
| ICU Charges |
|---|
myHealth Koti Suraksha Information Unavailable |
VS VS |
Active Fit Preferred No capping, covered up to sum insured. |
| Co-payment |
|---|
myHealth Koti Suraksha 20% Co-payment |
VS VS |
Active Fit Preferred No. |
| Disease-wise sublimits |
|---|
myHealth Koti Suraksha Information Unavailable |
VS VS |
Active Fit Preferred No broad disease sublimit identified; subject to policy terms. |
| Waiting Period |
|---|
myHealth Koti Suraksha Initial Waiting Period: 30 Days Pre-existing Disease Waiting Period: 36 Months |
VS VS |
Active Fit Preferred Information Unavailable |
| Cashless Healthcare Providers |
|---|
myHealth Koti Suraksha Available through network hospitals |
VS VS |
Active Fit Preferred 16,500 + current insurer network |
| Restoration Benefit |
|---|
myHealth Koti Suraksha Information Unavailable |
VS VS |
Active Fit Preferred Binge refill - 100% sum insured, unlimited times |
| Daycare Treatment |
|---|
myHealth Koti Suraksha Covered |
VS VS |
Active Fit Preferred All day care treatments covered up to sum insured. |
| Cumulative Bonus |
|---|
myHealth Koti Suraksha Information Unavailable |
VS VS |
Active Fit Preferred 10% per year, up to 100% |
| AYUSH Treatment |
|---|
myHealth Koti Suraksha Covered |
VS VS |
Active Fit Preferred Covered up to sum insured |
| Consumable Cover |
|---|
myHealth Koti Suraksha Information Unavailable |
VS VS |
Active Fit Preferred Optional/subject to applicable cover |
| Initial Waiting Period |
|---|
myHealth Koti Suraksha Information Unavailable |
VS VS |
Active Fit Preferred 30 days |
| Specific Waiting Period |
|---|
myHealth Koti Suraksha Information Unavailable |
VS VS |
Active Fit Preferred 24 months |
| PED Waiting Period |
|---|
myHealth Koti Suraksha Information Unavailable |
VS VS |
Active Fit Preferred 48 months |
| Modern Treatment |
|---|
myHealth Koti Suraksha Information Unavailable |
VS VS |
Active Fit Preferred Covered up to sum insured. |
| Annual Health Checkup |
|---|
myHealth Koti Suraksha Information Unavailable |
VS VS |
Active Fit Preferred Once every policy year |
| Pre-Hospitalisation |
|---|
myHealth Koti Suraksha Information Unavailable |
VS VS |
Active Fit Preferred 90 days |
| Post-Hospitalisation |
|---|
myHealth Koti Suraksha Information Unavailable |
VS VS |
Active Fit Preferred 180 days |
| Outpatient Department Cover (OPD Expense) |
|---|
myHealth Koti Suraksha Information Unavailable |
VS VS |
Active Fit Preferred Optional cover |
| Deductible Option |
|---|
myHealth Koti Suraksha Information Unavailable |
VS VS |
Active Fit Preferred Not established as a standard inbuilt benefit |
| Coverage Options |
|---|
myHealth Koti Suraksha Information Unavailable |
VS VS |
Active Fit Preferred Individual, multi-individual, family floater structure as applicable. |
| Claim Settlement Ratio |
|---|
myHealth Koti Suraksha Information Unavailable |
VS VS |
Active Fit Preferred 97% |
| Maternity Cover |
|---|
myHealth Koti Suraksha Information Unavailable |
VS VS |
Active Fit Preferred Yes, 40,000 normal/60,000 C-section. |
Insurance Plans Comparison
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Talk to experienced advisors at no cost, and make confident decisions
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
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
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.
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