Insurance Plans Comparison
TATA AIG Medicare Senior 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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Medicare Senior
Medicare Senior
What Makes It Special:
Comprehensive health insurance coverage with hospitalization, day care, pre and post-hospitalization, AYUSH, restoration and additional health benefits.
Best For:
Customers looking for additional protection through benefits such as global cover, consumables and second medical opinion
Individuals seeking additional benefits such as restoration, Cumulative Bonus and preventive health check-ups
Customers looking for AYUSH treatment and domiciliary hospitalization coverage
Individuals seeking inpatient and Day Care Treatment coverage
Senior citizens looking for comprehensive health insurance coverage
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
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Quick Decision Guide
Consider Before Buying: Choosing a room category higher than the eligible category mentioned in the policy schedule results in the policyholder bearing 10% of the admissible claim amount.
Consider Before Buying: A 36-month waiting period applies to pre-existing diseases and a 24-month waiting period applies to specified diseases and procedures, subject to the policy terms.
Reasons to Consider: A 50% Cumulative Bonus is added after every claim-free policy year, up to a maximum of 100% of the Sum Insured.
Reasons to Consider: The policy provides automatic restoration of the Basic Sum Insured once during the policy period, subject to applicable conditions.
Reasons to Consider: The policy covers inpatient treatment, Day Care Treatment, pre and post-hospitalization expenses, AYUSH treatment and domiciliary hospitalization.
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
Medicare Senior Health Insurance Plan VS VS |
Active Fit Preferred Health Insurance Plan |
| Room Rent |
|---|
Medicare Senior Covered according to the room category specified in the Policy Schedule. |
VS VS |
Active Fit Preferred Any room for sum insured 5 lakh and above. |
| ICU Charges |
|---|
Medicare Senior Covered as part of eligible inpatient hospitalisation expenses, subject to the Sum Insured and policy terms. |
VS VS |
Active Fit Preferred No capping, covered up to sum insured. |
| Co-payment |
|---|
Medicare Senior 10% of the admissible claim amount applies when the insured chooses a room category higher than the eligible room category. |
VS VS |
Active Fit Preferred No. |
| Disease-wise sublimits |
|---|
Medicare Senior Applicable limits may apply to specific benefits and treatments as specified in the policy. |
VS VS |
Active Fit Preferred No broad disease sublimit identified; subject to policy terms. |
| Cashless Healthcare Providers |
|---|
Medicare Senior Cashless treatment available at network providers, subject to pre-authorisation and applicable policy conditions. |
VS VS |
Active Fit Preferred 16,500 + current insurer network |
| Restoration Benefit |
|---|
Medicare Senior Basic Sum Insured is automatically restored once during the policy period after exhaustion of the Sum Insured and accrued Cumulative Bonus, subject to applicable conditions. |
VS VS |
Active Fit Preferred Binge refill - 100% sum insured, unlimited times |
| Cumulative Bonus |
|---|
Medicare Senior 50% of Sum Insured for every claim-free year, up to a maximum of 100% of Sum Insured. |
VS VS |
Active Fit Preferred 10% per year, up to 100% |
| Daycare Treatment |
|---|
Medicare Senior Listed Day Care Procedures are covered as specified under the policy. |
VS VS |
Active Fit Preferred All day care treatments covered up to sum insured. |
| Consumable Cover |
|---|
Medicare Senior Covered for specified consumables as per the policy terms. |
VS VS |
Active Fit Preferred Optional/subject to applicable cover |
| AYUSH Treatment |
|---|
Medicare Senior Covered for eligible inpatient treatment in an AYUSH Hospital. |
VS VS |
Active Fit Preferred Covered up to sum insured |
| Initial Waiting Period |
|---|
Medicare Senior 30 days, except for claims arising from accidents |
VS VS |
Active Fit Preferred 30 days |
| Specific Waiting Period |
|---|
Medicare Senior 24 months for specified diseases and procedures, subject to applicable policy terms. |
VS VS |
Active Fit Preferred 24 months |
| PED Waiting Period |
|---|
Medicare Senior 36 months of continuous coverage. |
VS VS |
Active Fit Preferred 48 months |
| Modern Treatment |
|---|
Medicare Senior Covered as per applicable policy terms and conditions. |
VS VS |
Active Fit Preferred Covered up to sum insured. |
| Annual Health Checkup |
|---|
Medicare Senior Available once after every two continuous claim-free policy years, subject to the applicable limit and policy conditions. |
VS VS |
Active Fit Preferred Once every policy year |
| Pre-Hospitalisation |
|---|
Medicare Senior Covered for up to 60 days before hospitalisation. |
VS VS |
Active Fit Preferred 90 days |
| Post-Hospitalisation |
|---|
Medicare Senior Covered for up to 90 days after discharge. |
VS VS |
Active Fit Preferred 180 days |
| Outpatient Department Cover (OPD Expense) |
|---|
Medicare Senior Not covered as a general base OPD benefit. |
VS VS |
Active Fit Preferred Optional cover |
| Deductible Option |
|---|
Medicare Senior Not specified as a standard deductible option. |
VS VS |
Active Fit Preferred Not established as a standard inbuilt benefit |
| Coverage Options |
|---|
Medicare Senior Individual and Family Floater options, subject to the Sum Insured options available under the policy. |
VS VS |
Active Fit Preferred Individual, multi-individual, family floater structure as applicable. |
| Claim Settlement Ratio |
|---|
Medicare Senior Not specified in the supplied policy document. |
VS VS |
Active Fit Preferred 97% |
| Maternity Cover |
|---|
Medicare Senior Not covered under the base policy. |
VS VS |
Active Fit Preferred Yes, 40,000 normal/60,000 C-section. |
Insurance Plans Comparison
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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
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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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