Insurance Plans Comparison
Niva Bupa Health Recharge Super Top Up Plan 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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Health Recharge Super Top Up Plan
Niva Bupa Health Recharge Super Top Up Plan
What Makes It Special:
Health Recharge Super Top Up Plan is designed for those who want comprehensive coverage without restrictions. It offers extensive coverage for modern treatments and innovative features.
Best For:
High coverage for seniors and their families
Easy cashless service across hospitals nationwide
Covers daycare and hospital treatments
Extra add-ons for enhanced protection
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
Prefer daily coverage for pharmacy & diagnostics
Want flexible deductible options for lower premiums
Need cashless treatment at large hospital network
Prefer 60-day pre & 90-day post-hospital care
You want coverage up to ₹95 lakhs
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
Health Recharge Super Top Up Plan Health Insurance Plan VS VS |
Active Fit Preferred Health Insurance Plan |
| Room Rent |
|---|
Health Recharge Super Top Up Plan Accomodation up to 1% of Base Sum Insured per day is included as part of base cover. However, you can opt for Room Modifier 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 |
|---|
Health Recharge Super Top Up Plan No restriction on ICU room rent |
VS VS |
Active Fit Preferred No capping, covered up to sum insured. |
| Disease-wise sublimits |
|---|
Health Recharge Super Top Up Plan No |
VS VS |
Active Fit Preferred No broad disease sublimit identified; subject to policy terms. |
| Co-payment |
|---|
Health Recharge Super Top Up Plan Not Available |
VS VS |
Active Fit Preferred No. |
| Restoration Benefit |
|---|
Health Recharge Super Top Up Plan Not Available |
VS VS |
Active Fit Preferred Binge refill - 100% sum insured, unlimited times |
| Cashless Healthcare Providers |
|---|
Health Recharge Super Top Up Plan Information Unavailable |
VS VS |
Active Fit Preferred 16,500 + current insurer network |
| Cumulative Bonus |
|---|
Health Recharge Super Top Up Plan Your sum insured increases by 5% every year, maximum up to 50% |
VS VS |
Active Fit Preferred 10% per year, up to 100% |
| Daycare Treatment |
|---|
Health Recharge Super Top Up Plan 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. |
| Consumable Cover |
|---|
Health Recharge Super Top Up Plan Yes |
VS VS |
Active Fit Preferred Optional/subject to applicable cover |
| AYUSH Treatment |
|---|
Health Recharge Super Top Up Plan Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
VS VS |
Active Fit Preferred Covered up to sum insured |
| Initial Waiting Period |
|---|
Health Recharge Super Top Up Plan 30 days. |
VS VS |
Active Fit Preferred 30 days |
| Specific Waiting Period |
|---|
Health Recharge Super Top Up Plan 2 years |
VS VS |
Active Fit Preferred 24 months |
| PED Waiting Period |
|---|
Health Recharge Super Top Up Plan 3 years |
VS VS |
Active Fit Preferred 48 months |
| Modern Treatment |
|---|
Health Recharge Super Top Up Plan 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 |
|---|
Health Recharge Super Top Up Plan Not Available |
VS VS |
Active Fit Preferred Once every policy year |
| Pre-Hospitalisation |
|---|
Health Recharge Super Top Up Plan 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 |
|---|
Health Recharge Super Top Up Plan You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it |
VS VS |
Active Fit Preferred 180 days |
| Outpatient Department Cover (OPD Expense) |
|---|
Health Recharge Super Top Up Plan OPD expenses are covered |
VS VS |
Active Fit Preferred Optional cover |
| Deductible Option |
|---|
Health Recharge Super Top Up Plan Available |
VS VS |
Active Fit Preferred Not established as a standard inbuilt benefit |
| Coverage Options |
|---|
Health Recharge Super Top Up Plan Available coverage options: ₹2L, 3L, 4L, 5L, 7.5L, 10L, 15L, 25L, 40L, 45L, 65L, 70L, 90L, 95L. |
VS VS |
Active Fit Preferred Individual, multi-individual, family floater structure as applicable. |
| Claim Settlement Ratio |
|---|
Health Recharge Super Top Up Plan 92.02% |
VS VS |
Active Fit Preferred 97% |
| Maternity Cover |
|---|
Health Recharge Super Top Up Plan Not Available |
VS VS |
Active Fit Preferred Yes, 40,000 normal/60,000 C-section. |
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
From choosing the right policy to managing claims, every step is handled for you
Zero Spam. Zero Hassle
Pure advice, no unwanted calls, no unnecessary push
Free Expert Consultation
Talk to experienced advisors at no cost, and make confident decisions
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
Secure against age-related medical costs
Tailored for seniors healthcare needs
Most Popular
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
Most Popular
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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