Aditya Birla Health
Activ Fit
Premium depends on your profile
Health Insurance · head to head
Activ Fit vs Optima Restore
HDFC ERGO
Optima Restore
Sample premium
₹19,589 a year*
Quick verdict
- Activ Fit is better for longer pre- and post-hospital cover.
Computed from stored specifications, the published health insurance scoring rules and recorded prices. Not an opinion.
Specifications side by side
Spec
Activ Fit
Optima Restore
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
3 lakh, 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
91 days to 65 years
Room rent
Any Room (SI Rs 5 lacs and above)
No sub-limit on room rent
Co-payment
Nil
None (optional 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
60 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
Instant addition of 100% Basic Sum Insured on complete or partial utilization; restored only once in a Policy Year
No-claim bonus
10% of SI per annum, max up to 100% (optional Super No Claim Bonus 50% per annum, max 100%)
Multiplier Benefit: 50% of Base Sum Insured per renewal irrespective of claims, maximum 100% of Basic Sum Insured
Maternity
Preferred plan only: normal delivery Rs 40,000 / C-section Rs 60,000 over and above base SI, after 36 months waiting period
Not covered
OPD
Optional cover only
Not covered
Premium
Sample annual premium
—
₹19,589
Sample premium is for
—
Individual, age 30, Basic Sum Insured Rs 10,00,000, Tier 1 (Delhi, Surat, Gurugram, Faridabad, Ghaziabad, Greater Noida), 1-year, 'Gross Premium Tables (Exclusive of Taxes)', no optional covers
Insurer
Health incurred claim ratio (insurer)
71.5%
84.85%
Claims figures for
FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
Network hospitals (insurer)
—
16,000+
IRDAI UIN
ADIHLIP22008V012223
HDFHLIP26055V102526
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
Optima Restore
- Pro: No co-payment unless you choose one for a lower premium
- Pro: No room-rent cap