Oneassure

Partner with us

Insurance Plans Comparison

Aditya Birla Active Fit Plus vs Niva Bupa Health Pulse Classic

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

Read more
Aditya Birla

Active Fit Plus

Wellness-driven health protection with Binge Refill and HealthReturns

What Makes It Special:

Activ Fit Plus is designed around health insurance and wellness rewards, with Binge Refill, health assessment, HealthReturns and fitness-linked benefits.

Best For:

  • People looking for broad hospitalisation and daycare coverage

  • Buyers wanting unlimited sum insured refill

  • Customers interested in wellness rewards

  • Younger adults and families

VS
Niva Bupa

Health Pulse Classic

Niva Bupa Health Pulse Classic

What Makes It Special:

A value-focused health plan with Loyalty Additions, a Re-fill benefit and optional add-ons, with a 20% co-payment applying only in specified cities.

Best For:

  • Customers comfortable with room rent limits on lower Sum Insured options.

  • Adults aged 18 to 65 years buying a new policy, subject to eligibility.

  • People who want the option to add Personal Accident or Critical Illness cover.

  • Buyers who want their cover to grow through annual Loyalty Additions.

  • First-time buyers looking for straightforward hospitalisation coverage.

  • Families outside Delhi NCR, Mumbai, Kolkata and Gujarat who want to avoid the plan's city-specific co-payment.

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

Aditya Birla Active Fit Plus

  • Waiting periods should be reviewed before purchase.

  • Maternity is not part of the Plus variant.

  • Binge Refill can provide additional protection after some insured is exhausted.

  • Suitable if wellness linked rewards are important.

Niva Bupa Health Pulse Classic

  • The available Sum Insured options for Classic above ₹10 Lakh need confirmation because the prospectus and sales sheet differ.

  • There is no deductible option.

  • Maternity and general OPD treatment are not covered.

  • Pre-existing diseases have a 36-month waiting period.

  • Listed specified conditions have a 24-month waiting period.

  • Pre-hospitalisation cover is limited to 30 days and post-hospitalisation cover to 60 days.

  • For ₹3 Lakh and ₹4 Lakh cover, room rent is limited to 1% of the Base Sum Insured per day and ICU charges to 2% per day.

  • A 20% co-payment applies to treatment in Delhi NCR, Mumbai including Navi Mumbai and Thane, Kolkata and Gujarat.

  • Optional Personal Accident, Critical Illness, Hospital Cash and unlimited e-Consultation benefits are available at additional premiums.

  • Mental illness, HIV/AIDS, domiciliary treatment and modern treatments are covered, with specified sublimits and waiting periods.

  • A single private room is covered for Sum Insured of ₹5 Lakh and above.

  • Re-fill of up to 100% of the Base Sum Insured is available for a different illness or injury. Optional Enhanced Re-fill increases it to 150%.

  • Loyalty Additions add 10% of the Base Sum Insured every policy year, up to 100%.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Active Fit Plus
Active Fit Plus

Health Insurance Plan

VS
Health Pulse Classic
Health Pulse Classic

Health Insurance Plan

Room Rent

Active Fit Plus

Any room for some in short 5 lakh and above.

VS

Health Pulse Classic

  1.  Normal: single A/C private room
  2. ICU: no limit, expenses incurred would be covered by the policy.
ICU Charges

Active Fit Plus

No sublimit or caps.

VS

Health Pulse Classic

Information Unavailable

Advanced Treatments

Active Fit Plus

Information Unavailable

VS

Health Pulse Classic

Including robotic surgeries, stem cell therapy (for specific conditions), and modern procedures like laser treatments and bariatric surgery.

Co-payment

Active Fit Plus

No mandatory co-payment identified.

VS

Health Pulse Classic

A 20% co-payment applies for treatments in Zone 2. Additionally, policyholders can opt for a 10% or 20% co-payment, which does not reduce the sum insured.

Disease-wise sublimits

Active Fit Plus

Subject to policy terms.

VS

Health Pulse Classic

Information Unavailable

Waiting Period

Active Fit Plus

Information Unavailable

VS

Health Pulse Classic

  1. Initial Waiting Period: A 30-day waiting period applies from the policy's inception, during which claims are not admissible, except for those arising from accidents. 
     
  2. Pre-existing Disease Waiting Period: For the Silver plan, pre-existing diseases are covered after 48 months of continuous coverage. For Gold and Platinum plans, this period is reduced to 24 months.
     
  3. Specific Disease/Procedure Waiting Period: For individuals above 45 years of age, certain listed illnesses and procedures are covered after a 24-month waiting period from the policy's inception. 
Cashless Healthcare Providers

Active Fit Plus

Current insurer network is 16,500+.

VS

Health Pulse Classic

10675+ network hospitals in India.

Restoration Benefit

Active Fit Plus

Binge refill - 100% sum insured, unlimited times

VS

Health Pulse Classic

Information Unavailable

Cumulative Bonus

Active Fit Plus

10% of SI per year, maximum 100%

VS

Health Pulse Classic

Information Unavailable

Daycare Treatment

Active Fit Plus

All daycare treatments up to sum insured

VS

Health Pulse Classic

Covered by the policy.

Consumable Cover

Active Fit Plus

Optional/subject to applicable cover

VS

Health Pulse Classic

Information Unavailable

AYUSH Treatment

Active Fit Plus

Covered up to sum insured

VS

Health Pulse Classic

Covered by the policy.

Initial Waiting Period

Active Fit Plus

30 days

VS

Health Pulse Classic

Information Unavailable

Specific Waiting Period

Active Fit Plus

Information Unavailable

VS

Health Pulse Classic

Information Unavailable

PED Waiting Period

Active Fit Plus

36 months

VS

Health Pulse Classic

Information Unavailable

Modern Treatment

Active Fit Plus

Covered up to sum insured

VS

Health Pulse Classic

Information Unavailable

Annual Health Checkup

Active Fit Plus

Once every policy year for eligible insured persons

VS

Health Pulse Classic

Information Unavailable

Pre-Hospitalisation

Active Fit Plus

90 days

VS

Health Pulse Classic

Information Unavailable

Post-Hospitalisation

Active Fit Plus

180 days

VS

Health Pulse Classic

Information Unavailable

Outpatient Department Cover (OPD Expense)

Active Fit Plus

Not part of standard hospitalisation cover; optional OPD available.

VS

Health Pulse Classic

Information Unavailable

Deductible Option

Active Fit Plus

Not established as a standard inbuilt benefit

VS

Health Pulse Classic

Information Unavailable

Coverage Options

Active Fit Plus

Individual, multi-individual, and family floater available.

VS

Health Pulse Classic

Information Unavailable

Claim Settlement Ratio

Active Fit Plus

97%

VS

Health Pulse Classic

Information Unavailable

Maternity Cover

Active Fit Plus

Not available.

VS

Health Pulse Classic

Information Unavailable

Insurance Plans Comparison

Still Confused? Get Expert Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Why Choose Our Expert Consultation?

End-to-End Support

End-to-End Support

From choosing the right policy to managing claims, every step is handled for you

Zero Spam. Zero Hassle

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

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

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

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

Frequently Asked Questions (FAQs)

Having questions? We've got answers. Explore our FAQs to find the information you need.

1-5 of 10 FAQs

Compare With Other Health Insurance Plans

Active Fit Plus vs Optima Secure

Active Fit Plus vs Super Mediclaim

Active Fit Plus vs Health Recharge

Active Fit Plus vs Cancer Cover Activ Cancer Secure Plan

Active Fit Plus vs Optima Secure Plus

Health Pulse Classic vs Optima Secure

Health Pulse Classic vs Super Mediclaim

Health Pulse Classic vs Health Recharge

Health Pulse Classic vs Cancer Cover Activ Cancer Secure Plan

Health Pulse Classic vs Optima Secure Plus

Oneassure

Health Insurance

Compare Health Insurance Plans

Active Fit Plus Vs Health Pulse Classic

Policy Pal

Chat with PolicyPal

Get a free policy review

No pressure. No product push. Just honest advice.