Insurance Plans Comparison
Aditya Birla Active Fit Preferred vs Niva Bupa HeartBeat Gold
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreActive Fit Preferred
Activ Fit Preferred
What Makes It Special:
Active Fit is designed for those who want comprehensive coverage without restrictions. It offers extensive coverage for modern treatments and innovative features.
Best For:
- Not available
VS
HeartBeat Gold
Niva Bupa Heartbeat Gold Plan
What Makes It Special:
Niva Bupa Heart Beat Gold is a comprehensive health insurance plan designed for families. It provides coverage options from ₹5 lakh to ₹1 crore, offering benefits like maternity cover, newborn protection, annual health check-ups, cashless treatment at 10,000+ hospitals, AYUSH and modern treatments, and no limits on ICU charges. You...
Best For:
Health-conscious individuals who value yearly check-ups
Customers who prefer comfort of a private room during hospitalization
Those planning for maternity and child care in future
Families looking for complete medical protection
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
Not available
You like yearly sum insured bonuses
You want maternity and newborn benefits after 2 years
You prefer a private AC room without extra charges
You want flexible coverage up to ₹1 crore
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Active Fit Preferred Health Insurance Plan VS VS |
HeartBeat Gold Health Insurance Plan |
| Room Rent | |
|---|---|
Active Fit Preferred Normal: For a Sum Insured of ₹5 Lacs & above, Any Room category is covered. ICU: Covered at actuals. | |
VS VS | |
HeartBeat Gold
|
| Advanced Treatments |
|---|
Active Fit Preferred Covers modern medical treatments such as robotic surgeries, stem cell therapy, and balloon sinuplasty up to the full Sum Insured. |
VS VS |
HeartBeat Gold Covered up to Sum Insured |
| ICU Charges |
|---|
Active Fit Preferred Not Available |
VS VS |
HeartBeat Gold No restriction on ICU room rent |
| Co-payment |
|---|
Active Fit Preferred No co-payment. The insurer covers 100% of the admissible claim up to the sum insured. |
VS VS |
HeartBeat Gold Optional |
| Disease-wise sublimits |
|---|
Active Fit Preferred Not Available |
VS VS |
HeartBeat Gold Yes |
| Waiting Period |
|---|
Active Fit Preferred Initial Waiting Period: 30 days for all illnesses (except accidents). Pre-existing Disease Waiting Period: 36 months (3 years). |
VS VS |
HeartBeat Gold Not Available |
| Cashless Healthcare Providers |
|---|
Active Fit Preferred 10,000+ partner hospitals |
VS VS |
HeartBeat Gold 10000+ Healthcare Providers |
| Restoration Benefit |
|---|
Active Fit Preferred Not Available |
VS VS |
HeartBeat Gold 100% of base sum insured restored once every policy year for future claims |
| Daycare Treatment |
|---|
Active Fit Preferred All day care treatments are covered up to the full Sum Insured. |
VS VS |
HeartBeat Gold Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
| Cumulative Bonus |
|---|
Active Fit Preferred Not Available |
VS VS |
HeartBeat Gold Your sum insured increases by 10% every year, maximum up to 100% |
| AYUSH Treatment |
|---|
Active Fit Preferred Alternative treatments (Ayurveda, Yoga, Unani, Siddha, Homeopathy) are covered up to the Sum Insured. |
VS VS |
HeartBeat Gold Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Consumable Cover |
|---|
Active Fit Preferred Not Available |
VS VS |
HeartBeat Gold Yes |
| Initial Waiting Period |
|---|
Active Fit Preferred Not Available |
VS VS |
HeartBeat Gold 90 days. |
| Specific Waiting Period |
|---|
Active Fit Preferred Not Available |
VS VS |
HeartBeat Gold 2 years |
| PED Waiting Period |
|---|
Active Fit Preferred Not Available |
VS VS |
HeartBeat Gold 3 years |
| Modern Treatment |
|---|
Active Fit Preferred Not Available |
VS VS |
HeartBeat Gold Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
| Annual Health Checkup |
|---|
Active Fit Preferred Not Available |
VS VS |
HeartBeat Gold Health check-up is available once every policy year, from day 1 of the policy |
| Pre-Hospitalisation |
|---|
Active Fit Preferred Not Available |
VS VS |
HeartBeat Gold You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved |
| Post-Hospitalisation |
|---|
Active Fit Preferred Not Available |
VS VS |
HeartBeat Gold You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it |
| Outpatient Department Cover (OPD Expense) |
|---|
Active Fit Preferred Not Available |
VS VS |
HeartBeat Gold OPD expenses are not available |
| Deductible Option |
|---|
Active Fit Preferred Not Available |
VS VS |
HeartBeat Gold Available as an option |
| Coverage Options |
|---|
Active Fit Preferred Not Available |
VS VS |
HeartBeat Gold Available coverage options: ₹5L, ₹7.5L, ₹10L, ₹15L, ₹20L, ₹30L, ₹1Cr |
| Claim Settlement Ratio |
|---|
Active Fit Preferred Not Available |
VS VS |
HeartBeat Gold 92.02% |
| Maternity Cover |
|---|
Active Fit Preferred Not Available |
VS VS |
HeartBeat Gold Available with capping based on base sum insured. |
Insurance Plans Comparison
Still Confused? Get Expert Advice
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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
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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