Insurance Plans Comparison
Aditya Birla Active Fit Preferred vs Star Health Cardiac Care Silver & Gold Plan
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:
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
Health Cardiac Care Silver & Gold Plan
Health Insurance for Individuals with a History of Cardiac Conditions
What Makes It Special:
Cardiac-Focused Health Insurance
Best For:
Customers seeking specified modern treatment and eligible AYUSH coverage.
Individuals seeking outpatient benefits at network hospitals.
Customers comparing Silver and Gold cardiac coverage options.
Customers seeking cover for eligible cardiac and non-cardiac hospitalisation.
Individuals with a qualifying history of cardiac conditions or procedures.
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.
Check the outpatient benefit limit and network hospital requirements.
Review the room rent limit and post-hospitalisation benefit limit.
Check the 10% co-payment applicable from age 61.
Understand the 30-day initial waiting period and other applicable waiting periods.
Review the 90-day cardiac waiting period.
Compare the cardiac coverage offered under Silver and Gold.
Check whether you meet the policy’s cardiac eligibility criteria.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Active Fit Preferred Health Insurance Plan VS VS |
![]() Health Cardiac Care Silver & Gold Plan Health Insurance Plan |
| Room Rent |
|---|
Active Fit Preferred Any room for sum insured 5 lakh and above. |
VS VS |
Health Cardiac Care Silver & Gold Plan
|
| ICU Charges |
|---|
Active Fit Preferred No capping, covered up to sum insured. |
VS VS |
Health Cardiac Care Silver & Gold Plan Covered as part of eligible hospitalisation expenses, subject to policy terms. |
| Co-payment |
|---|
Active Fit Preferred No. |
VS VS |
Health Cardiac Care Silver & Gold Plan 10% for insured persons aged 61 years and above at policy purchase or renewal. |
| Disease-wise sublimits |
|---|
Active Fit Preferred No broad disease sublimit identified; subject to policy terms. |
VS VS |
Health Cardiac Care Silver & Gold Plan Sublimits apply to specified treatments, including cataract and modern treatments. |
| Cashless Healthcare Providers |
|---|
Active Fit Preferred 16,500 + current insurer network |
VS VS |
Health Cardiac Care Silver & Gold Plan Cashless treatment is available at eligible network hospitals, subject to authorisation and policy conditions. |
| Restoration Benefit |
|---|
Active Fit Preferred Binge refill - 100% sum insured, unlimited times |
VS VS |
Health Cardiac Care Silver & Gold Plan Not specified. |
| Cumulative Bonus |
|---|
Active Fit Preferred 10% per year, up to 100% |
VS VS |
Health Cardiac Care Silver & Gold Plan Not specified. |
| Daycare Treatment |
|---|
Active Fit Preferred All day care treatments covered up to sum insured. |
VS VS |
Health Cardiac Care Silver & Gold Plan Eligible daycare procedures are covered, subject to policy terms. |
| Consumable Cover |
|---|
Active Fit Preferred Optional/subject to applicable cover |
VS VS |
Health Cardiac Care Silver & Gold Plan Not specified. |
| AYUSH Treatment |
|---|
Active Fit Preferred Covered up to sum insured |
VS VS |
Health Cardiac Care Silver & Gold Plan Eligible inpatient Ayurveda, Unani, Siddha and Homeopathy treatment is covered up to the Sum Insured, subject to policy terms. |
| Initial Waiting Period |
|---|
Active Fit Preferred 30 days |
VS VS |
Health Cardiac Care Silver & Gold Plan 30 days, except for covered accident-related claims. |
| Specific Waiting Period |
|---|
Active Fit Preferred 24 months |
VS VS |
Health Cardiac Care Silver & Gold Plan 24 months for specified diseases and procedures. |
| PED Waiting Period |
|---|
Active Fit Preferred 48 months |
VS VS |
Health Cardiac Care Silver & Gold Plan 36 months for pre-existing diseases. Cardiac ailments covered under Section II have a separate 90-day waiting period. |
| Modern Treatment |
|---|
Active Fit Preferred Covered up to sum insured. |
VS VS |
Health Cardiac Care Silver & Gold Plan Specified modern treatments are covered within the applicable treatment limits. |
| Annual Health Checkup |
|---|
Active Fit Preferred Once every policy year |
VS VS |
Health Cardiac Care Silver & Gold Plan Not specified. |
| Pre-Hospitalisation |
|---|
Active Fit Preferred 90 days |
VS VS |
Health Cardiac Care Silver & Gold Plan Covered for up to 30 days before hospital admission. |
| Post-Hospitalisation |
|---|
Active Fit Preferred 180 days |
VS VS |
Health Cardiac Care Silver & Gold Plan Up to 60 days after discharge, limited to 7% of hospitalisation expenses and a maximum of ₹5,000 per hospitalisation. |
| Outpatient Department Cover (OPD Expense) |
|---|
Active Fit Preferred Optional cover |
VS VS |
Health Cardiac Care Silver & Gold Plan Up to ₹500 per event, subject to a maximum of ₹1,500 per policy period at network hospitals in India. |
| Deductible Option |
|---|
Active Fit Preferred Not established as a standard inbuilt benefit |
VS VS |
Health Cardiac Care Silver & Gold Plan Not specified. |
| Coverage Options |
|---|
Active Fit Preferred Individual, multi-individual, family floater structure as applicable. |
VS VS |
Health Cardiac Care Silver & Gold Plan Individual coverage with Silver and Gold plan options. |
| Claim Settlement Ratio |
|---|
Active Fit Preferred 97% |
VS VS |
Health Cardiac Care Silver & Gold Plan Insurer-level metric, not a policy benefit. |
| Maternity Cover |
|---|
Active Fit Preferred Yes, 40,000 normal/60,000 C-section. |
VS VS |
Health Cardiac Care Silver & Gold Plan Not covered, except where the policy provides an applicable accident-related exception. |
Insurance Plans Comparison
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Why Choose Our Expert Consultation?
What Our Experts Help You With
Personalised Recommendations
Every suggestion is backed by expert analysis of your life stage, goals, and budget
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Insurance Plans Comparison
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Frequently Asked Questions (FAQs)
Having questions? We've got answers. Explore our FAQs to find the information you need.
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