Insurance Plans Comparison
Niva Bupa Aspire Titanium+ vs Aditya Birla Active Care Premier
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreAspire Titanium+
Flexible health insurance with enhanced accumulation benefits and age-linked premium protection.
What Makes It Special:
Niva Bupa Aspire Titanium+ combines substantial carry-forward coverage through Booster+ with Lock the Clock+, which keeps premiums linked to entry age until a claim is paid. It also provides hospitalisation coverage and access to optional benefits, subject to policy terms.
Best For:
Buyers who want optional OPD, consumables or international treatment benefits where available.
People planning ahead for eligible maternity-related expenses.
Families looking for comprehensive hospitalisation coverage.
Individuals who want premiums linked to their entry age until a claim is paid.
People seeking high carry-forward coverage over multiple policy years.
VS
Active Care Premier
Aditya Birla Activ Care Premiere
What Makes It Special:
Activ Care Premier is a senior citizen-focused health plan from Aditya Birla that upgrades classic senior cover with a Single Private Room, consumables coverage,and home care support, all with a shorter 2-year PED waiting period.
Best For:
Those looking for wellness-linked premium rewards
Buyers who prefer treatment at home through home care and domiciliary options
Those wanting a private room during hospitalisation
People managing chronic conditions like diabetes or hypertension
Senior citizens aged 46 to75 years
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
Review room eligibility, co-payment, deductible and optional add-ons before buying.
Compare the PED and specific-disease waiting periods applicable to your selected schedule.
Check the 9-month M-iracle waiting period and the benefit's limits before relying on maternity coverage.
Review the Lock the Clock+ conditions to understand when premiums may change.
Consider Titanium+ if maximising unused Sum Insured accumulation is a priority.
Check the 20% co-payment and disease-wise sub-limits carefully before purchase
May not suit buyers wanting in-built OPD coverage
Suitable for buyers who value home nursing and domiciliary care options
Useful for people who want consumables coverage in the base plan
Good option if you're a senior wanting private-room comfort with a 2-year PED waiting period
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Aspire Titanium+ Health Insurance Plan VS VS |
Active Care Premier Health Insurance Plan |
| Room Rent |
|---|
Aspire Titanium+ All room categories are covered |
VS VS |
Active Care Premier Single Private Room. ICU charges covered up to the Sum Insured. |
| ICU Charges |
|---|
Aspire Titanium+ No restriction on ICU room rent |
VS VS |
Active Care Premier Covered up to the Sum Insured. |
| Co-payment |
|---|
Aspire Titanium+ Available as an option |
VS VS |
Active Care Premier 20% co-payment applies on admissible claims. |
| Disease-wise sublimits |
|---|
Aspire Titanium+ No |
VS VS |
Active Care Premier Certain treatments carry sub-limits — including domiciliary hospitalisationcapped at10% of Sum Insured,and organ donor expenses up to50% of Sum Insured. |
| Cashless Healthcare Providers |
|---|
Aspire Titanium+ 10,000+ Healthcare Providers |
VS VS |
Active Care Premier Cashless treatment available at 11,000+ network hospitals across India. |
| Restoration Benefit |
|---|
Aspire Titanium+ Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses |
VS VS |
Active Care Premier 100% of the Sum Insured is restored for subsequent hospitalisations due to a different illnessin the same policy year. |
| Daycare Treatment |
|---|
Aspire Titanium+ Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
VS VS |
Active Care Premier 586 daycare procedures covered, even when hospitalisationis less than24 hours. |
| Cumulative Bonus |
|---|
Aspire Titanium+ Unutilised sum insured can be carried forward up to 10X (entry age 18–35 yrs), 5X (entry age 36–45 yrs), and 3X (entry age 46+ yrs) |
VS VS |
Active Care Premier Earn 10% of Base Sum Insured per claim-free year, accumulating up to a maximum of 50%. |
| Consumable Cover |
|---|
Aspire Titanium+ No. However, available as an add-on |
VS VS |
Active Care Premier Covered in the base plan, including non-medical consumables used during hospitalisation. |
| AYUSH Treatment |
|---|
Aspire Titanium+ Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
VS VS |
Active Care Premier Covered for listed AYUSH treatments, subject to policy terms. |
| Initial Waiting Period |
|---|
Aspire Titanium+ 30 days |
VS VS |
Active Care Premier 30 days from policy inception for general illnesses. Accidental hospitalisationis covered from day 1. |
| Specific Waiting Period |
|---|
Aspire Titanium+ 2 years |
VS VS |
Active Care Premier 2 years for listed specific illnesses and procedures. |
| PED Waiting Period |
|---|
Aspire Titanium+ 3 years |
VS VS |
Active Care Premier 2 years for pre-existing diseases — a shorter-than-usual waiting period, helpful for seniors managing chronic conditions. |
| Modern Treatment |
|---|
Aspire Titanium+ Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
VS VS |
Active Care Premier Covered for listed modern treatment methods, subject to the policy's list of covered procedures. |
| Annual Health Checkup |
|---|
Aspire Titanium+ Health check-up is available once every policy year, from day 1 of the policy |
VS VS |
Active Care Premier Available as an add-on — the Advanced Health Check-up covers additional tests like mammography, PAP smear, thyroid function test, TMT, chest X-ray,and abdominal sonography on a cashless basis. |
| Pre-Hospitalisation |
|---|
Aspire Titanium+ You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved |
VS VS |
Active Care Premier Pre-hospitalisation medical expenses covered for30 days prior to hospitalisation. |
| Post-Hospitalisation |
|---|
Aspire Titanium+ You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it |
VS VS |
Active Care Premier Post-hospitalisation medical expenses covered for60 days following discharge. |
| Outpatient Department Cover (OPD Expense) |
|---|
Aspire Titanium+ OPD expense is not included as part of base cover. However, you can opt for an add-on to avail this coverage |
VS VS |
Active Care Premier Not covered in the base plan. Tele-OPD e-consultationsare available as an add-on. |
| Deductible Option |
|---|
Aspire Titanium+ Available as an option |
VS VS |
Active Care Premier Not a core feature of this variant — verify availability from the policy wordings. |
| Coverage Options |
|---|
Aspire Titanium+ Available coverage options: 3L, 5L, 7.5L, 10L, 15L, 20L, 25L, 50L, 1cr |
VS VS |
Active Care Premier Sum Insured options from ₹3 lakh up to ₹10 lakh, designed for senior citizens. |
| Claim Settlement Ratio |
|---|
Aspire Titanium+ 92.02% |
VS VS |
Active Care Premier Aditya Birla Health Insurance reports a 96% claim settlement ratio(3-year average. |
| Maternity Cover |
|---|
Aspire Titanium+ Available |
VS VS |
Active Care Premier Not available in this plan. |
Insurance Plans Comparison
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Insurance Plans Comparison
Explore Insurance Category
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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
Insurance Plans Comparison
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