Insurance Plans Comparison
HDFC ERGO Optima Secure Plus vs Aditya Birla Active Fit Preferred
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreWhat Makes It Special:
HDFC ERGO Optima Secure+ is a comprehensive health insurance plan offering coverage from ₹10 lakh to ₹2 crore for individuals and families. It provides a Secure Benefit that doubles your coverage from day one, an Infinite Benefit that adds 100% of your base sum insured every year with no upper...
Best For:
Restoration-enabled Secure Health Policy
Coverage with Automatic Sum Boost
Multi-Benefit Medical Protection Plan
Comprehensive Family Health Insurance
VS
Active Fit Preferred
Activ Fit Preferred
What Makes It Special:
Active Fit focuses on providing essential health coverage at an affordable premium. It's designed for budget-conscious individuals who want reliable coverage.
Best For:
- Not available
Insurance Plans Comparison
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Quick Decision Guide
Long-term loyalty rewards and discounts
Annual health check-ups and preventive care
No room-rent or ICU restrictions
Automatic sum insured restoration after claims
Coverage growth with Secure and Infinite Benefits
Not available
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
 Optima Secure Plus Health Insurance Plan VS VS |
Active Fit Preferred Health Insurance Plan |
| Room Rent |
|---|
Optima Secure Plus Normal: Room Rent at Actuals ICU: Covered at Actuals |
VS VS |
Active Fit Preferred Normal: For a Sum Insured of ₹5 Lacs & above, Any Room category is covered. ICU: Covered at actuals. |
| Advanced Treatments |
|---|
Optima Secure Plus Covered all Advanced/Modern treatments |
VS VS |
Active Fit Preferred Covers modern medical treatments such as robotic surgeries, stem cell therapy, and balloon sinuplasty up to the full Sum Insured. |
| Co-payment |
|---|
Optima Secure Plus No Mandatory Co-payment |
VS VS |
Active Fit Preferred No co-payment. The insurer covers 100% of the admissible claim up to the sum insured. |
| Waiting Period |
|---|
Optima Secure Plus Initial Waiting Period: 30 Days Pre-existing Disease Waiting Period: 36 Months |
VS VS |
Active Fit Preferred Initial Waiting Period: 30 days for all illnesses (except accidents). Pre-existing Disease Waiting Period: 36 months (3 years). |
| Cashless Healthcare Providers |
|---|
Optima Secure Plus ~16,000 Cashless Healthcare Providers |
VS VS |
Active Fit Preferred 10,000+ partner hospitals |
| Daycare Treatment |
|---|
Optima Secure Plus Covered up to Sum Insured |
VS VS |
Active Fit Preferred All day care treatments are covered up to the full Sum Insured. |
| AYUSH Treatment |
|---|
Optima Secure Plus Covered up to Sum Insured |
VS VS |
Active Fit Preferred Alternative treatments (Ayurveda, Yoga, Unani, Siddha, Homeopathy) are covered up to the Sum Insured. |
Insurance Plans Comparison
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Insurance Plans Comparison
Explore Insurance Category
Senior Citizen Health Plan
Secure against age-related medical costs
Tailored for seniors healthcare needs
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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
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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
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