Skip to content

Health Insurance · head to head

Activ Fit vs Galaxy Promise - Signature Plan

Save New comparison

Aditya Birla Health

Activ Fit

Premium depends on your profile

Specifications side by side

Spec
Activ Fit
Galaxy Promise - Signature Plan
Cover
Plan type
Individual and family floater
Individual and family floater
Sum insured options
5 lakh, 7 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 30 lakh, 40 lakh, 50 lakh, 75 lakh, 1 crore
5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 50 lakh, 1 crore
Highest sum insured
100 lakh
100 lakh
Entry age
18 years (adult); 91 days (dependent child, floater); 5 years (individual policy) to 45 years
16 days (individual / dependent children); 18 years (floater adults) to 65 years
Room rent
Any Room (SI Rs 5 lacs and above)
SI Rs 5-20 lakh: up to Deluxe room; SI Rs 25 lakh and above: any room
Co-payment
Nil
No Co-payment
Waiting periods
Initial waiting period
30 days
30 days
Pre-existing disease waiting
36 months
36 months
Specific illness waiting
24 months
24 months
Benefits
Pre-hospitalisation
90 days
90 days
Post-hospitalisation
180 days
180 days
Day-care treatment
Yes
Yes
AYUSH treatment
Yes
Yes
Restore benefit
Binge Refill: up to 100% of Sum Insured, unlimited times, for any illness/injury
Automatic Restoration, unlimited, applicable for same disease / different diseases
No-claim bonus
10% of SI per annum, max up to 100% (optional Super No Claim Bonus 50% per annum, max 100%)
Cumulative Bonus 100% of SI after first claim-free year, 25% of SI for every subsequent claim-free year, maximum 500%
Maternity
Preferred plan only: normal delivery Rs 40,000 / C-section Rs 60,000 over and above base SI, after 36 months waiting period
Covered: delivery up to 10% of SI or Rs 2 lakh (whichever is less) once self and spouse covered 2 years (or insured woman 3 years)
OPD
Optional cover only
Not covered
Premium
Sample annual premium
—
₹11,573
Sample premium is for
—
1 adult (1A), age band 26-30, Sum Insured Rs 10,00,000, Signature Plan, Zone A; tax treatment not stated on the chart
Insurer
Health incurred claim ratio (insurer)
71.5%
—
Claims figures for
FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
—
IRDAI UIN
ADIHLIP22008V012223
GHIHLIP25035V012425

A tick marks the better value where the category rules say higher (or lower) is better. Text values are shown without a winner. Ties have no winner.

Pros and cons

Activ Fit

  • Pro: 90 days of pre-hospitalisation cover, longer than 79% of the 49 health insurance plans on Comparezi that state it
  • Pro: No co-payment on claims
  • Pro: No room-rent cap

Galaxy Promise - Signature Plan

  • Pro: 90 days of pre-hospitalisation cover, longer than 79% of the 49 health insurance plans on Comparezi that state it
  • Pro: No co-payment on claims
  • Pro: No room-rent cap
Compare