Oneassure

Partner with us

Insurance Plans Comparison

Aditya Birla Active Fit Plus vs Niva Bupa Reassure 3.0 Elite

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

Reassure 3.0 Elite

Reassure 3.0 Elite

What Makes It Special:

Reassure 3.0 focuses on providing essential health coverage at an affordable premium. It's designed for budget-conscious individuals who want reliable coverage.

Best For:

  • Not available

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 Reassure 3.0 Elite

Not available

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
Reassure 3.0 Elite
Reassure 3.0 Elite

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Active Fit Plus

Any room for some in short 5 lakh and above.

VS

Reassure 3.0 Elite

Covers all rooms except Deluxe/Suite at no co-payment; 20% co-payment for Deluxe/Suite.

ICU Charges

Active Fit Plus

No sublimit or caps.

VS

Reassure 3.0 Elite

Covered as part of hospitalisation expenses up to SI.

Co-payment

Active Fit Plus

No mandatory co-payment identified.

VS

Reassure 3.0 Elite

Optional: 0%, 20%, 30%, 40%, 50% available.

Disease-wise sublimits

Active Fit Plus

Subject to policy terms.

VS

Reassure 3.0 Elite

No disease-wise sub-limits; no ₹1L cap on modern treatments.

Cashless Healthcare Providers

Active Fit Plus

Current insurer network is 16,500+.

VS

Reassure 3.0 Elite

Niva Bupa network hospitals subject to authorisation.

Restoration Benefit

Active Fit Plus

Binge refill - 100% sum insured, unlimited times

VS

Reassure 3.0 Elite

ReAssure Forever: Base SI restored after first claim, unlimited times.

Cumulative Bonus

Active Fit Plus

10% of SI per year, maximum 100%

VS

Reassure 3.0 Elite

Booster+ add on: Accumulates up to 10X base SI carried forward annually.

Daycare Treatment

Active Fit Plus

All daycare treatments up to sum insured

VS

Reassure 3.0 Elite

Covered for ≥2 hours hospitalisations per policy terms

Consumable Cover

Active Fit Plus

Optional/subject to applicable cover

VS

Reassure 3.0 Elite

Claim Safeguard+ available as optional (add-on) benefit for non-payable items.

AYUSH Treatment

Active Fit Plus

Covered up to sum insured

VS

Reassure 3.0 Elite

Covered for ≥24 hours AYUSH hospitalisation up to SI.

Initial Waiting Period

Active Fit Plus

30 days

VS

Reassure 3.0 Elite

30 days (except accidents).

Specific Waiting Period

Active Fit Plus

Information Unavailable

VS

Reassure 3.0 Elite

24 months standard with modifiable options.

PED Waiting Period

Active Fit Plus

36 months

VS

Reassure 3.0 Elite

36 months standard with reduction option available.

Modern Treatment

Active Fit Plus

Covered up to sum insured

VS

Reassure 3.0 Elite

Modern treatments covered up to sum insured (no capping like Classic/Select).

Annual Health Checkup

Active Fit Plus

Once every policy year for eligible insured persons

VS

Reassure 3.0 Elite

Available from Day 1 on cashless basis; Elite has broader defined package.

Pre-Hospitalisation

Active Fit Plus

90 days

VS

Reassure 3.0 Elite

Up to 60 days before hospitalisation when related to approved claim.

Post-Hospitalisation

Active Fit Plus

180 days

VS

Reassure 3.0 Elite

Covered for 180 days after discharge for eligible expenses.

Outpatient Department Cover (OPD Expense)

Active Fit Plus

Not part of standard hospitalisation cover; optional OPD available.

VS

Reassure 3.0 Elite

Not in base; Wellconsult+ available with wellness benefits.

Deductible Option

Active Fit Plus

Not established as a standard inbuilt benefit

VS

Reassure 3.0 Elite

Annual Aggregate Deductible available as optional feature

Coverage Options

Active Fit Plus

Individual, multi-individual, and family floater available.

VS

Reassure 3.0 Elite

₹5L, ₹10L, Unlimited SI.

Claim Settlement Ratio

Active Fit Plus

97%

VS

Reassure 3.0 Elite

Not stated for ReAssure 3.0 Elite variant.

Maternity Cover

Active Fit Plus

Not available.

VS

Reassure 3.0 Elite

Not in standard Elite base benefit.

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 Optima Secure Plus

Active Fit Plus vs Cancer Cover Activ Cancer Secure Plan

Active Fit Plus vs Women Care

Active Fit Plus vs Activate Booster Plan A

Reassure 3.0 Elite vs Optima Secure

Reassure 3.0 Elite vs Optima Secure Plus

Reassure 3.0 Elite vs Cancer Cover Activ Cancer Secure Plan

Reassure 3.0 Elite vs Women Care

Reassure 3.0 Elite vs Activate Booster Plan A

Oneassure

Health Insurance

Compare Health Insurance Plans

Active Fit Plus Vs Reassure 3.0 Elite

Policy Pal

Chat with PolicyPal

Get a free policy review

No pressure. No product push. Just honest advice.