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Insurance Plans Comparison

Aditya Birla Active Fit Preferred vs Royal Sundaram Advanced Top Up

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

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

VS
Royal Sundaram

Advanced Top Up

Advanced Top Up

What Makes It Special:

Advanced Top Up 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

  • 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

Active Fit Preferred
Active Fit Preferred

Health Insurance Plan

VS
Advanced Top Up
Advanced Top Up

Health Insurance Plan

Room Rent

Active Fit Preferred

Any room for sum insured 5 lakh and above.

VS

Advanced Top Up

Covered up to Sum Insured

Covered up to Sum Insured

ICU Charges

Active Fit Preferred

No capping, covered up to sum insured.

VS

Advanced Top Up

Information Unavailable

Advanced Treatments

Active Fit Preferred

Information Unavailable

VS

Advanced Top Up

Covered up to Sum Insured

Co-payment

Active Fit Preferred

No.

VS

Advanced Top Up

Not mentioned

Disease-wise sublimits

Active Fit Preferred

No broad disease sublimit identified; subject to policy terms.

VS

Advanced Top Up

Information Unavailable

Waiting Period

Active Fit Preferred

Information Unavailable

VS

Advanced Top Up

30 Days

36 Months

24 Months

Cashless Healthcare Providers

Active Fit Preferred

16,500 + current insurer network

VS

Advanced Top Up

Not mentioned

Restoration Benefit

Active Fit Preferred

Binge refill - 100% sum insured, unlimited times

VS

Advanced Top Up

Information Unavailable

Cumulative Bonus

Active Fit Preferred

10% per year, up to 100%

VS

Advanced Top Up

Information Unavailable

Daycare Treatment

Active Fit Preferred

All day care treatments covered up to sum insured.

VS

Advanced Top Up

Covered up to Sum Insured

Consumable Cover

Active Fit Preferred

Optional/subject to applicable cover

VS

Advanced Top Up

Information Unavailable

AYUSH Treatment

Active Fit Preferred

Covered up to sum insured

VS

Advanced Top Up

Covered up to Sum Insured

Initial Waiting Period

Active Fit Preferred

30 days

VS

Advanced Top Up

Information Unavailable

Specific Waiting Period

Active Fit Preferred

24 months

VS

Advanced Top Up

Information Unavailable

PED Waiting Period

Active Fit Preferred

48 months

VS

Advanced Top Up

Information Unavailable

Modern Treatment

Active Fit Preferred

Covered up to sum insured.

VS

Advanced Top Up

Information Unavailable

Annual Health Checkup

Active Fit Preferred

Once every policy year

VS

Advanced Top Up

Information Unavailable

Pre-Hospitalisation

Active Fit Preferred

90 days

VS

Advanced Top Up

Information Unavailable

Post-Hospitalisation

Active Fit Preferred

180 days

VS

Advanced Top Up

Information Unavailable

Outpatient Department Cover (OPD Expense)

Active Fit Preferred

Optional cover

VS

Advanced Top Up

Information Unavailable

Deductible Option

Active Fit Preferred

Not established as a standard inbuilt benefit

VS

Advanced Top Up

Information Unavailable

Coverage Options

Active Fit Preferred

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

VS

Advanced Top Up

Information Unavailable

Claim Settlement Ratio

Active Fit Preferred

97%

VS

Advanced Top Up

Information Unavailable

Maternity Cover

Active Fit Preferred

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

VS

Advanced Top Up

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

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Active Fit Preferred Vs Advanced Top Up

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