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Insurance Plans Comparison

ICICI Lombard Health AdvantEdge Plus vs Aditya Birla Active Care Premier

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

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ICICI Lombard

Health AdvantEdge Plus

Cover pre-existing diseases with no waiting period, reset the sum insured unlimited times for any illness after the first claim, once only at ₹5 lakh or seven-and-a-half lakh, and keep a 20% cumulative bonus up to 100% after a claim.

What Makes It Special:

The Royal Plus Plan under ICICI Lombard Health AdvantEdge offers sum insured options from ₹5 lakh to ₹3 crore, along with eligible hospitalisation, daycare, AYUSH, home care and pre- and post-hospitalisation benefits. Its distinguishing features include a guaranteed cumulative bonus, reset benefit, and Claim Protector at specified sum insured levels....

Best For:

  • Buyers who want to compare higher sum insured options and additional benefits against their budget and coverage needs.

  • Families considering optional maternity-related benefits, subject to eligibility and waiting periods.

  • People looking for a cumulative bonus that can increase cover over eligible claim-free periods.

  • Buyers who value a restore benefit for eligible subsequent claims in the same policy year.

  • People seeking cover for eligible hospitalisation and day-care treatment expenses.

VS
Aditya Birla

Active Care Premier

Get cover from age 55 in a single private room, with a 10% co-pay, a once-a-year reload of the full sum insured, and home treatment covered up to ₹50,000.

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

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

  • Compare the cost and waiting conditions of optional maternity and non-medical-expense benefits before adding them.

  • Check the restore benefit's trigger and restrictions rather than assuming it can pay every subsequent claim.

  • Confirm whether the selected sum insured and policy version provide the room category and ICU cover you expect.

  • Review the 2-year PED waiting period and disclose all existing medical conditions when applying.

  • Check the UIN and policy schedule before purchase because the publicly available Apex Plus material is historical.

  • 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

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Health AdvantEdge Plus
Health AdvantEdge Plus

Health Insurance Plan

VS
Active Care Premier
Active Care Premier

Health Insurance Plan

Room Rent

Health AdvantEdge Plus

  1. Normal: No Limit 
  2. ICU: No Limit 

    If the sum insured health insurance policy is Rs.5 Lakh or above.

VS

Active Care Premier

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

Advanced Treatments

Health AdvantEdge Plus

  1. Oral Chemotherapy 
  2.  Robotic Surgeries 
  3. Stem Cell Therapy 
VS

Active Care Premier

Information Unavailable

ICU Charges

Health AdvantEdge Plus

Up to sum insured for Apex Plus, subject to the applicable wording.

VS

Active Care Premier

Covered up to the Sum Insured.

Co-payment

Health AdvantEdge Plus

Co payment is applicable as chosen by the insured. 

It allows the insured to opt for 10% or 20% co-payment.

VS

Active Care Premier

20% co-payment applies on admissible claims.

Disease-wise sublimits

Health AdvantEdge Plus

Certain benefits have specific limits, including ambulance, animal-bite vaccination, bariatric surgery and home-care treatment. Other limits depend on the policy terms.

VS

Active Care Premier

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

Cashless Healthcare Providers

Health AdvantEdge Plus

10,000+ Healthcare Providers across India 

VS

Active Care Premier

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

Restoration Benefit

Health AdvantEdge Plus

Information Unavailable

VS

Active Care Premier

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

Daycare Treatment

Health AdvantEdge Plus

Covered. Requires hospitalization of more than 24 Hours.

VS

Active Care Premier

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

Cumulative Bonus

Health AdvantEdge Plus

Guaranteed cumulative bonus: 20% of sum insured, up to 100%, under the historical Apex Plus brochure.

VS

Active Care Premier

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

AYUSH Treatment

Health AdvantEdge Plus

AYUSH is covered up to Sum Insured.

VS

Active Care Premier

Covered for listed AYUSH treatments, subject to policy terms.

Consumable Cover

Health AdvantEdge Plus

Listed non-medical expenses may require the optional Claim Protector benefit; verify the applicable schedule.

VS

Active Care Premier

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

Initial Waiting Period

Health AdvantEdge Plus

30 days for illnesses; accidental hospitalisation exempt.

VS

Active Care Premier

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

Specific Waiting Period

Health AdvantEdge Plus

2 years for specified diseases and procedures, subject to the policy wording.

VS

Active Care Premier

2 years for listed specific illnesses and procedures.

PED Waiting Period

Health AdvantEdge Plus

2 years, subject to disclosure and acceptance by the insurer.

VS

Active Care Premier

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

Modern Treatment

Health AdvantEdge Plus

Covered up to sum insured, subject to policy terms and exclusions.

VS

Active Care Premier

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

Annual Health Checkup

Health AdvantEdge Plus

Annual benefit from the first year; historical brochure specifies up to 0.5% of sum insured, capped at ₹10,000, on a cashless basis.

VS

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.

Pre-Hospitalisation

Health AdvantEdge Plus



VS

Active Care Premier

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

Post-Hospitalisation

Health AdvantEdge Plus

Up to 180 days under the historical Apex Plus brochure.

VS

Active Care Premier

Post-hospitalisation medical expenses covered for60 days following discharge.

Outpatient Department Cover (OPD Expense)

Health AdvantEdge Plus

General OPD cover not verified. Teleconsultations are listed in the historical brochure as an included value-added service.

VS

Active Care Premier

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

Deductible Option

Health AdvantEdge Plus

Not verified for this variant.

VS

Active Care Premier

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

Coverage Options

Health AdvantEdge Plus

Individual/family cover; historical Apex Plus brochure also lists worldwide cover for sum insured of ₹25 lakh and above. Confirm current availability and conditions.

VS

Active Care Premier

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

Claim Settlement Ratio

Health AdvantEdge Plus

FY 24-25: ~84%

VS

Active Care Premier

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

Maternity Cover

Health AdvantEdge Plus

Optional; historical brochure specifies 10% of base sum insured, capped at ₹10 lakh, for up to 3 deliveries. Waiting periods and eligibility must be checked in the applicable wording.

VS

Active Care Premier

Not available in this plan.

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Still Confused? Get Expert Advice

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Why Choose Our Expert Consultation?

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

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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

Insurance Plans Comparison

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

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Frequently Asked Questions (FAQs)

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