Insurance Plans Comparison
HDFC ERGO Optima Lite 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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Optima Lite
Optima Lite
What Makes It Special:
Optima Lite 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
Optima Lite Health Insurance Plan VS VS |
Active Fit Preferred Health Insurance Plan |
| Room Rent |
|---|
Optima Lite Normal: Up to 1% of Base Sum Insured per day ICU: Up to 2% of Base Sum Insured per day |
VS VS |
Active Fit Preferred Any room for sum insured 5 lakh and above. |
| Advanced Treatments |
|---|
Optima Lite Robotic Surgeries Oral Chemotherapy Deep Brain Stimulation Balloon Sinuplasty Bronchial Thermoplasty Stereotactic Radio Surgeries Intra Vitreal Injections Immunotherapy Vaporisation of Prostate IONM (Intra Operative Neuro Monitoring) Stem Cell Therapy |
VS VS |
Active Fit Preferred Information Unavailable |
| ICU Charges |
|---|
Optima Lite Information Unavailable |
VS VS |
Active Fit Preferred No capping, covered up to sum insured. |
| Co-payment |
|---|
Optima Lite Not mentioned |
VS VS |
Active Fit Preferred No. |
| Disease-wise sublimits |
|---|
Optima Lite Information Unavailable |
VS VS |
Active Fit Preferred No broad disease sublimit identified; subject to policy terms. |
| Waiting Period |
|---|
Optima Lite Initial Waiting Period: 30 Days Pre-existing Disease Waiting Period: 3 Years Specific Disease/Procedure Waiting Period: 2 Years |
VS VS |
Active Fit Preferred Information Unavailable |
| Cashless Healthcare Providers |
|---|
Optima Lite 16,000+ Cashless Healthcare Providers |
VS VS |
Active Fit Preferred 16,500 + current insurer network |
| Restoration Benefit |
|---|
Optima Lite Information Unavailable |
VS VS |
Active Fit Preferred Binge refill - 100% sum insured, unlimited times |
| Daycare Treatment |
|---|
Optima Lite Covered up to Sum Insured |
VS VS |
Active Fit Preferred All day care treatments covered up to sum insured. |
| Cumulative Bonus |
|---|
Optima Lite Information Unavailable |
VS VS |
Active Fit Preferred 10% per year, up to 100% |
| AYUSH Treatment |
|---|
Optima Lite Covered up to Sum Insured |
VS VS |
Active Fit Preferred Covered up to sum insured |
| Consumable Cover |
|---|
Optima Lite Information Unavailable |
VS VS |
Active Fit Preferred Optional/subject to applicable cover |
| Initial Waiting Period |
|---|
Optima Lite Information Unavailable |
VS VS |
Active Fit Preferred 30 days |
| Specific Waiting Period |
|---|
Optima Lite Information Unavailable |
VS VS |
Active Fit Preferred 24 months |
| PED Waiting Period |
|---|
Optima Lite Information Unavailable |
VS VS |
Active Fit Preferred 48 months |
| Modern Treatment |
|---|
Optima Lite Information Unavailable |
VS VS |
Active Fit Preferred Covered up to sum insured. |
| Annual Health Checkup |
|---|
Optima Lite Information Unavailable |
VS VS |
Active Fit Preferred Once every policy year |
| Pre-Hospitalisation |
|---|
Optima Lite Information Unavailable |
VS VS |
Active Fit Preferred 90 days |
| Post-Hospitalisation |
|---|
Optima Lite Information Unavailable |
VS VS |
Active Fit Preferred 180 days |
| Outpatient Department Cover (OPD Expense) |
|---|
Optima Lite Information Unavailable |
VS VS |
Active Fit Preferred Optional cover |
| Deductible Option |
|---|
Optima Lite Information Unavailable |
VS VS |
Active Fit Preferred Not established as a standard inbuilt benefit |
| Coverage Options |
|---|
Optima Lite Information Unavailable |
VS VS |
Active Fit Preferred Individual, multi-individual, family floater structure as applicable. |
| Claim Settlement Ratio |
|---|
Optima Lite Information Unavailable |
VS VS |
Active Fit Preferred 97% |
| Maternity Cover |
|---|
Optima Lite Information Unavailable |
VS VS |
Active Fit Preferred Yes, 40,000 normal/60,000 C-section. |
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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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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