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Activ Fit vs Care Supreme

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Aditya Birla Health

Activ Fit

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
Care Supreme
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 lakh, 10 lakh, 15 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
From 18 years (adult); 90 days (child) (no maximum stated)
Room rent
Any Room (SI Rs 5 lacs and above)
Up to SI
Co-payment
Nil
None in base cover
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
Unlimited Automatic Recharge: entire base sum insured reinstated, unlimited times in the policy year, for same or different illnesses
No-claim bonus
10% of SI per annum, max up to 100% (optional Super No Claim Bonus 50% per annum, max 100%)
Cumulative Bonus 50% of SI per year, max. up to 100% of SI; shall not reduce in case of claim
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 in base (unlimited e-consultations with general physicians); Care OPD available as a separate add-on
Premium
Sample annual premium
—
₹12,292
Sample premium is for
—
Individual 1A, age band 18-35, Sum Insured Rs 10,00,000, annual, Zone 1, base gross premium excluding GST
Insurer
Health incurred claim ratio (insurer)
71.5%
64.53%
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)
—
22,100+ (as of Dec 2025)
IRDAI UIN
ADIHLIP22008V012223
CHIHLIP27061V032627

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

Care Supreme

  • Pro: No co-payment on claims
  • Pro: No room-rent cap
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