Insurance Plans Comparison
Niva Bupa Aspire Diamond+ 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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Aspire Diamond+
Comprehensive health insurance with growing coverage, maternity-related benefits and unlimited post-claim restoration.
What Makes It Special:
Niva Bupa Aspire Diamond+ is designed for people seeking comprehensive hospitalisation cover alongside benefits that can build over time. It includes Booster+, which carries forward unused Base Sum Insured subject to entry-age limits, and ReAssure Forever, which provides unlimited additional cover after the first paid eligible claim. The M-iracle benefit...
Best For:
Buyers who want the flexibility to add optional OPD, consumables or international treatment benefits.
Policyholders who value unlimited additional cover after the first eligible paid claim.
People planning for eligible maternity and parenthood-related expenses.
Younger buyers who want unused coverage to accumulate through Booster+.
Individuals and families looking for comprehensive hospitalisation coverage.
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
Compare optional benefits and premiums to decide whether WellConsult, Safeguard+, Borderless or other add-ons suit your needs.
Check room eligibility and any room-type modification before purchasing, especially if you prefer a higher-category room.
Review the co-payment options carefully, as choosing one affects how much of an admissible claim you pay yourself.
Consider the M-iracle benefit if maternity, IVF, adoption or surrogacy coverage is important to you; the brochure lists a 24-month waiting period.
Choose Diamond+ if you want higher Booster+ accumulation than Gold+ offers at the same entry-age bands.
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
Aspire Diamond+ Health Insurance Plan VS VS |
Active Fit Preferred Health Insurance Plan |
| Room Rent |
|---|
Aspire Diamond+ Single private AC room is included as part of base cover. However, you can opt for add-on to upgrade or downgrade the room category |
VS VS |
Active Fit Preferred Any room for sum insured 5 lakh and above. |
| ICU Charges |
|---|
Aspire Diamond+ No restriction on ICU room rent |
VS VS |
Active Fit Preferred No capping, covered up to sum insured. |
| Co-payment |
|---|
Aspire Diamond+ Available as an option |
VS VS |
Active Fit Preferred No. |
| Disease-wise sublimits |
|---|
Aspire Diamond+ No |
VS VS |
Active Fit Preferred No broad disease sublimit identified; subject to policy terms. |
| Cashless Healthcare Providers |
|---|
Aspire Diamond+ 10,000+ Healthcare Providers |
VS VS |
Active Fit Preferred 16,500 + current insurer network |
| Restoration Benefit |
|---|
Aspire Diamond+ Yes, your sum insured restores to 100% unlimited times after your first claim, for both related and unrelated illnesses |
VS VS |
Active Fit Preferred Binge refill - 100% sum insured, unlimited times |
| Daycare Treatment |
|---|
Aspire Diamond+ Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
VS VS |
Active Fit Preferred All day care treatments covered up to sum insured. |
| Cumulative Bonus |
|---|
Aspire Diamond+ 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 Fit Preferred 10% per year, up to 100% |
| AYUSH Treatment |
|---|
Aspire Diamond+ Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
VS VS |
Active Fit Preferred Covered up to sum insured |
| Consumable Cover |
|---|
Aspire Diamond+ Yes |
VS VS |
Active Fit Preferred Optional/subject to applicable cover |
| Initial Waiting Period |
|---|
Aspire Diamond+ 30 days |
VS VS |
Active Fit Preferred 30 days |
| Specific Waiting Period |
|---|
Aspire Diamond+ 2 years |
VS VS |
Active Fit Preferred 24 months |
| PED Waiting Period |
|---|
Aspire Diamond+ 3 years |
VS VS |
Active Fit Preferred 48 months |
| Modern Treatment |
|---|
Aspire Diamond+ Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
VS VS |
Active Fit Preferred Covered up to sum insured. |
| Annual Health Checkup |
|---|
Aspire Diamond+ Health check-up is available once every policy year, from day 1 of the policy |
VS VS |
Active Fit Preferred Once every policy year |
| Pre-Hospitalisation |
|---|
Aspire Diamond+ You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved |
VS VS |
Active Fit Preferred 90 days |
| Post-Hospitalisation |
|---|
Aspire Diamond+ You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it |
VS VS |
Active Fit Preferred 180 days |
| Outpatient Department Cover (OPD Expense) |
|---|
Aspire Diamond+ 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 Fit Preferred Optional cover |
| Deductible Option |
|---|
Aspire Diamond+ Available as an option |
VS VS |
Active Fit Preferred Not established as a standard inbuilt benefit |
| Coverage Options |
|---|
Aspire Diamond+ Available coverage options: 3L, 5L, 7.5L, 10L, 15L, 20L, 25L, 50L, 1cr |
VS VS |
Active Fit Preferred Individual, multi-individual, family floater structure as applicable. |
| Claim Settlement Ratio |
|---|
Aspire Diamond+ 92.02% |
VS VS |
Active Fit Preferred 97% |
| Maternity Cover |
|---|
Aspire Diamond+ Available |
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
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Every suggestion is backed by expert analysis of your life stage, goals, and budget
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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
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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
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
Frequently Asked Questions (FAQs)
Having questions? We've got answers. Explore our FAQs to find the information you need.
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