Aditya Birla Health
Activ Fit
Premium depends on your profile
Health Insurance · head to head
Activ Fit vs Aspire
Niva Bupa
Aspire
Premium depends on your profile
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
Aspire
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, 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
—
Room rent
Any Room (SI Rs 5 lacs and above)
No limit (any room); optional room type modification
Co-payment
Nil
None mandatory; optional Tiered Network carries 20% co-payment outside the network
Waiting periods
Initial waiting period
30 days
30 days
Pre-existing disease waiting
36 months
—
Specific illness waiting
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
ReAssure Forever: triggers after the 1st claim; unlimited; each claim up to the Base sum insured
No-claim bonus
10% of SI per annum, max up to 100% (optional Super No Claim Bonus 50% per annum, max 100%)
Booster+: unutilised Base sum insured carries forward, up to 1X-10X by variant and entry age
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 under M-iracle sum insured; waiting period 48 months (Gold+), 24 months (Diamond+), 9 months (Platinum+/Titanium+)
OPD
Optional cover only
Not covered in base (unlimited e-consultation); optional WellConsult OPD wallet
Insurer
Health incurred claim ratio (insurer)
71.5%
61.22%
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)
—
19,000+
IRDAI UIN
ADIHLIP22008V012223
NBHHLIP26049V022526
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
Aspire
- Pro: No co-payment unless you choose one for a lower premium
- Pro: No room-rent cap