Aditya Birla Health
Activ Fit
Premium depends on your profile
Health Insurance · head to head
Activ Fit vs Rise
Niva Bupa
Rise
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
Rise
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, 75 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)
Up to twin sharing room without co-payment; flat 20% co-payment if above twin sharing room
Co-payment
Nil
Flat 20% if treatment taken outside the Rise-Tiered Network; 20% if room above twin sharing
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
Re-fill: once in a policy year, an amount equal to the base sum insured, added on complete or partial utilisation; any illness (same or different)
No-claim bonus
10% of SI per annum, max up to 100% (optional Super No Claim Bonus 50% per annum, max 100%)
Loyalty Bonus: 10% of expiring Base Sum Insured every policy year, up to 100% of Base 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 (unlimited digital consultations only)
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
NBHHLIP25041V012425
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
Rise
No stated figure stands out against similar models on Comparezi, either way.