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Insurance Plans Comparison

Aditya Birla Active Fit Preferred vs Niva Bupa Health Companion Variant 2

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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Aditya Birla

Active Fit Preferred

Get maternity cover over and above the sum insured, up to ₹40,000 for a normal delivery and ₹60,000 for a C-section, plus unlimited refills of the sum insured for any illness or injury.

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

VS
Niva Bupa

Health Companion Variant 2

Add 20% of the base sum insured each claim-free year up to 100%, refill the base sum insured once for a different illness, and get animal-bite vaccination up to ₹5,000 with an annual health check-up.

What Makes It Special:

Health Companion Variant 2 is a Niva Bupa floater covering hospitalisation, day care, AYUSH and domiciliary treatment, with a refill benefit, no-claim bonus and 2- or 3-year term discounts. Variant-specific terms are not separated in the prospectus.

Best For:

  • Buyers who do not need maternity or OPD cover

  • Buyers who need hospitalisation, day care and AYUSH cover

  • Buyers who plan to pay for two or three years to get term discounts

  • Buyers who want a no-claim bonus that builds to 100%

  • Families who want a floater with a refill benefit

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

  • 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.

  • The refill applies only once a policy year.

  • The 20% co-payment for higher room categories applies on Variant 2023.

  • Maternity is not covered, so plan separately if needed.

  • Term discounts do not apply if premium is paid monthly, half-yearly or quarterly.

  • The 36-month PED wait applies, so buy early if you have an existing condition.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Active Fit Preferred
Active Fit Preferred

Health Insurance Plan

VS
Health Companion Variant 2
Health Companion Variant 2

Health Insurance Plan

Brochure

Room Rent

Active Fit Preferred

Any room for sum insured 5 lakh and above.

VS

Health Companion Variant 2

  1. Normal Room: No limit (any single private room covered)
  2. ICU Charges: Fully covered (as per actual hospitalization expenses)
ICU Charges

Active Fit Preferred

No capping, covered up to sum insured.

VS

Health Companion Variant 2

Covered up to the sum insured as part of in-patient care

Advanced Treatments

Active Fit Preferred

Information Unavailable

VS

Health Companion Variant 2

  1. Robotic Surgery Therapy
  2. Bariatric Surgery 
  3. Oral Chemotherapy 
  4. Proton Beam Therapy 
  5. Deep Brain Stimulation 
  6. Implantable Devices 
Co-payment

Active Fit Preferred

No.

VS

Health Companion Variant 2

No mandatory co-payment for most policyholders. However, for individuals aged 65 years and above at the time of entry, a co-payment of 20% applies to each claim.

Disease-wise sublimits

Active Fit Preferred

No broad disease sublimit identified; subject to policy terms.

VS

Health Companion Variant 2

No disease sublimit schedule in the prospectus

Cashless Healthcare Providers

Active Fit Preferred

16,500 + current insurer network

VS

Health Companion Variant 2

10,000+ network hospitals.

Restoration Benefit

Active Fit Preferred

Binge refill - 100% sum insured, unlimited times

VS

Health Companion Variant 2

Information Unavailable

Cumulative Bonus

Active Fit Preferred

10% per year, up to 100%

VS

Health Companion Variant 2

20% of the expiring base sum insured per claim-free year, up to 100%

Daycare Treatment

Active Fit Preferred

All day care treatments covered up to sum insured.

VS

Health Companion Variant 2

Covered under the policy. 

Consumable Cover

Active Fit Preferred

Optional/subject to applicable cover

VS

Health Companion Variant 2

Prescribed medicines and consumables during treatment are covered. Annexure II items are not.

AYUSH Treatment

Active Fit Preferred

Covered up to sum insured

VS

Health Companion Variant 2

Covered under this policy

Initial Waiting Period

Active Fit Preferred

30 days

VS

Health Companion Variant 2

30 days, except accidents

Specific Waiting Period

Active Fit Preferred

24 months

VS

Health Companion Variant 2

24 months for listed conditions

PED Waiting Period

Active Fit Preferred

48 months

VS

Health Companion Variant 2

36 months

Modern Treatment

Active Fit Preferred

Covered up to sum insured.

VS

Health Companion Variant 2

Covered up to the sum insured

Annual Health Checkup

Active Fit Preferred

Once every policy year

VS

Health Companion Variant 2

Annual from day one, for defined tests. Up to ₹500 per ₹1 lakh of base sum insured. Cashless only.

Pre-Hospitalisation

Active Fit Preferred

90 days

VS

Health Companion Variant 2

60 days before admission

Post-Hospitalisation

Active Fit Preferred

180 days

VS

Health Companion Variant 2

180 days after discharge

Outpatient Department Cover (OPD Expense)

Active Fit Preferred

Optional cover

VS

Health Companion Variant 2

Not covered

Deductible Option

Active Fit Preferred

Not established as a standard inbuilt benefit

VS

Health Companion Variant 2

Annual aggregate deductible from ₹10,000 to ₹10 lakh

Coverage Options

Active Fit Preferred

Individual, multi-individual, family floater structure as applicable.

VS

Health Companion Variant 2

Individual or floater, with optional hospital cash, personal accident and deductible

Claim Settlement Ratio

Active Fit Preferred

97%

VS

Health Companion Variant 2

Claim Settlement Ratio (CSR) of 93.3% as a three-year IRDAI weighted average, and 95.6% in recent quarterly company disclosures (Q1 FY 2026-27).

Maternity Cover

Active Fit Preferred

Yes, 40,000 normal/60,000 C-section.

VS

Health Companion Variant 2

Not covered

Insurance Plans Comparison

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Why Choose Our Expert Consultation?

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Free Expert Consultation

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Talk to experienced advisors at no cost, and make confident decisions

24/7 Claim Assistance

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

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Senior Citizen Health Plan

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  • Tailored for seniors healthcare needs

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Family Health Plan

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

Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

Insurance Plans Comparison

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Active Fit Preferred Vs Health Companion Variant 2

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