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Insurance Plans Comparison

Aditya Birla Active Care Premier vs ICICI Lombard Elevate

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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Aditya Birla

Active Care Premier

Aditya Birla Activ Care Premiere

What Makes It Special:

Activ Care Premier is a senior citizen-focused health plan from Aditya Birla that upgrades classic senior cover with a Single Private Room, consumables coverage,and home care support, all with a shorter 2-year PED waiting period.

Best For:

  • Those looking for wellness-linked premium rewards

  • Buyers who prefer treatment at home through home care and domiciliary options

  • Those wanting a private room during hospitalisation

  • People managing chronic conditions like diabetes or hypertension

  • Senior citizens aged 46 to75 years

VS
ICICI Lombard

Elevate

Comprehensive health insurance with high coverage, loyalty bonus and flexible optional benefits

What Makes It Special:

ICICI Lombard’s Elevate health insurance policy is designed to provide comprehensive protection and flexibility. It covers hospitalisation, day-care treatments, pre- and post-hospitalisation expenses (90 to 180 days), AYUSH treatments, ambulance services (road and air), and even worldwide cashless hospitalisation. The policy offers unlimited reset of sum insured, 100% annual increase...

Best For:

  • Comprehensive All-Round Protection

  • Global Health Insurance Coverage

  • Advanced Critical Illness Cover

  • Tech-Enabled Seamless Support

Insurance Plans Comparison

Get Personalized Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Quick Decision Guide

  • Check the 20% co-payment and disease-wise sub-limits carefully before purchase

  • May not suit buyers wanting in-built OPD coverage

  • Suitable for buyers who value home nursing and domiciliary care options

  • Useful for people who want consumables coverage in the base plan

  • Good option if you're a senior wanting private-room comfort with a 2-year PED waiting period

  • You want global and all-round health coverage

  • You need CIBIL discount on good credit score

  • You need coverage on conditions like Asthma, BP, Cholesterol, Diabetes from Day 1

  • You need a good customer app which has a simplified claims experience

  • You need unlimited sum insured restoration benefits and high cumulative bonus

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Detailed Features Comparison

Compare the key features of different health insurance plans

Active Care Premier
Active Care Premier

Health Insurance Plan

VS
Elevate
Elevate

Health Insurance Plan

Room Rent

Active Care Premier

Single Private Room. ICU charges covered up to the Sum Insured.

VS

Elevate

Single private AC room is included as part of base cover. However, you can opt for Room Modifier Add-on to upgrade or downgrade the room category

(Option to modify room category)

ICU Charges

Active Care Premier

Covered up to the Sum Insured.

VS

Elevate

No restriction on ICU room rent

Co-payment

Active Care Premier

20% co-payment applies on admissible claims.

VS

Elevate

Available as an option


Disease-wise sublimits

Active Care Premier

Certain treatments carry sub-limits — including domiciliary hospitalisationcapped at10% of Sum Insured,and organ donor expenses up to50% of Sum Insured.

VS

Elevate

No

Cashless Healthcare Providers

Active Care Premier

Cashless treatment available at 11,000+ network hospitals across India.

VS

Elevate

10300+ Healthcare Providers

Restoration Benefit

Active Care Premier

100% of the Sum Insured is restored for subsequent hospitalisations due to a different illnessin the same policy year.

VS

Elevate

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

(per claim in a policy year for related/unrelated illnesses)

Cumulative Bonus

Active Care Premier

Earn 10% of Base Sum Insured per claim-free year, accumulating up to a maximum of 50%.

VS

Elevate

Your sum insured increases by 20% every year maximum upto 100%. However, you can pay an additional premium to increase sum insured up to 100%, every year.

(Option to boost coverage by 1x annually)

Daycare Treatment

Active Care Premier

586 daycare procedures covered, even when hospitalisationis less than24 hours.

VS

Elevate

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to annual sum insured

Consumable Cover

Active Care Premier

Covered in the base plan, including non-medical consumables used during hospitalisation.

VS

Elevate

No. However, available as an add-on

AYUSH Treatment

Active Care Premier

Covered for listed AYUSH treatments, subject to policy terms.

VS

Elevate

Covers AYUSH treatment expenses up to your annual sum insured during the policy period


Initial Waiting Period

Active Care Premier

30 days from policy inception for general illnesses. Accidental hospitalisationis covered from day 1.

VS

Elevate

30 days

Specific Waiting Period

Active Care Premier

2 years for listed specific illnesses and procedures.

VS

Elevate

2 years

PED Waiting Period

Active Care Premier

2 years for pre-existing diseases — a shorter-than-usual waiting period, helpful for seniors managing chronic conditions.

VS

Elevate

3 years

Modern Treatment

Active Care Premier

Covered for listed modern treatment methods, subject to the policy's list of covered procedures.

VS

Elevate

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Annual Health Checkup

Active Care Premier

Available as an add-on — the Advanced Health Check-up covers additional tests like mammography, PAP smear, thyroid function test, TMT, chest X-ray,and abdominal sonography on a cashless basis.

VS

Elevate

Health checkup is not included as part of base cover. However, available as an add-on

Pre-Hospitalisation

Active Care Premier

Pre-hospitalisation medical expenses covered for30 days prior to hospitalisation.

VS

Elevate

You get cover for medical tests and doctor visits up to 90 days before hospitalisation, if your main claim is approved

Post-Hospitalisation

Active Care Premier

Post-hospitalisation medical expenses covered for60 days following discharge.

VS

Elevate

You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it.


Outpatient Department Cover (OPD Expense)

Active Care Premier

Not covered in the base plan. Tele-OPD e-consultationsare available as an add-on.

VS

Elevate

OPD expense is not included as part of base cover. However, available as an add-on

Deductible Option

Active Care Premier

Not a core feature of this variant — verify availability from the policy wordings.

VS

Elevate

Not available

Coverage Options

Active Care Premier

Sum Insured options from ₹3 lakh up to ₹10 lakh, designed for senior citizens.

VS

Elevate

Available sum insured options: ₹5L, ₹7.5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹1 Cr, ₹3 Cr and unlimited sum insured


Claim Settlement Ratio

Active Care Premier

Aditya Birla Health Insurance reports a 96% claim settlement ratio(3-year average.

VS

Elevate

97.16%

Maternity Cover

Active Care Premier

Not available in this plan.

VS

Elevate

No. However, available as an add-on.


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Still Confused? Get Expert Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Why Choose Our Expert Consultation?

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Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

Talk to experienced advisors at no cost, and make confident decisions

24/7 Claim Assistance

24/7 Claim Assistance

Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

What Our Experts Help You With

Personalised Recommendations

  • Every suggestion is backed by expert analysis of your life stage, goals, and budget

Expert-Led Policy Review

  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

Smart, Tech-Enabled Experience

  • From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free

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Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

Family Health Plan

Family Health Plan

  • One policy covers the entire family

  • High sum insured with cashless care

  • Multiple coverage options based on your family needs

Maternity Health Plan

Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

Having questions? We've got answers. Explore our FAQs to find the information you need.

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