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Insurance Plans Comparison

Aditya Birla Activ Health Platinum Essential vs ICICI Lombard Health Booster SuperTopup Individual Adult 1 Year N

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

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Aditya Birla

Activ Health Platinum Essential

Cover type 1 and type 2 diabetes, asthma, high blood pressure and high cholesterol from day one, earn up to 50% of premium as HealthReturns, and add 10% each claim-free year, up to 100% or ₹50 lakh, whichever is lower.

What Makes It Special:

Activ Health Platinum Essential combines hospitalization protection with wellness and chronic-care features, including Day 1 coverage for specified chronic conditions under the applicable product terms.

Best For:

  • Customers wanting health assessment support

  • Buyers looking for wellness benefits

  • People with listed lifestyle conditions

  • Customers looking for an affordable, comprehensive plan

VS
ICICI Lombard

Health Booster SuperTopup Individual Adult 1 Year N

Additional health insurance protection for eligible hospitalisation expenses beyond a selected deductible.

What Makes It Special:

Health Booster is a Super Top-up health insurance product intended to provide additional protection against eligible medical expenses once the applicable aggregate deductible is crossed.

Best For:

  • Individuals comparing top-up options based on deductible, sum insured, waiting periods and covered hospitalisation expenses.

  • Buyers comfortable with a Super Top-up structure in which eligible expenses are aggregated during the policy year.

  • Individuals who can manage eligible medical expenses falling within the deductible.

  • Adults who already have a base health insurance policy and want an additional layer of medical expense protection.

  • Individuals seeking additional protection against high hospitalisation expenses beyond a chosen deductible.

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

Aditya Birla Activ Health Platinum Essential

  • Customers wanting health assessment support

  • Buyers looking for wellness benefits

  • People with listed lifestyle conditions

  • Customers looking for an affordable comprehensive plan

ICICI Lombard Health Booster SuperTopup Individual Adult 1 Year N

  • Verify the exact UIN, policy schedule, deductible and included benefits for the “SuperTopup Individual Adult 1 Year N” variant before purchasing.

  • Confirm that the applicable policy covers the treatments and hospital expenses you expect to claim, including any relevant exclusions or limits.

  • Review the initial, specific-disease and pre-existing disease waiting periods before relying on the policy for planned treatment.

  • Compare the selected sum insured with the potential cost of major hospitalisation before choosing the cover amount.

  • Check whether the deductible is aligned with your existing health insurance cover and the amount you could pay yourself.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Activ Health Platinum Essential
Activ Health Platinum Essential

Health Insurance Plan

Brochure

VS
Health Booster SuperTopup Individual Adult 1 Year N
Health Booster SuperTopup Individual Adult 1 Year N

Health Insurance Plan

Brochure

Room Rent

Activ Health Platinum Essential

Any room.

VS

Health Booster SuperTopup Individual Adult 1 Year N

Room rent forms part of eligible in-patient hospitalisation expenses; any specific limits for this variant are not verified.

ICU Charges

Activ Health Platinum Essential

Covered

VS

Health Booster SuperTopup Individual Adult 1 Year N

Covered as part of eligible in-patient hospitalisation expenses, subject to the deductible and policy terms.

Co-payment

Activ Health Platinum Essential

20% mandatory unless applicable waiver is selected.

VS

Health Booster SuperTopup Individual Adult 1 Year N

Not verified for this exact variant.

Disease-wise sublimits

Activ Health Platinum Essential

Applicable.

VS

Health Booster SuperTopup Individual Adult 1 Year N

Not verified for this exact variant. Refer to the applicable policy schedule for any benefit-specific limits.

Cashless Healthcare Providers

Activ Health Platinum Essential

16,500 + current insurer network

VS

Health Booster SuperTopup Individual Adult 1 Year N

Cashless treatment is available at eligible network hospitals, subject to policy terms and hospital status. The current network count has not been verified.

Restoration Benefit

Activ Health Platinum Essential

Available as add-on.

VS

Health Booster SuperTopup Individual Adult 1 Year N

The insurer's general Health Booster information describes a reset of up to 100% of the sum insured once per policy year for eligible plans with a sum insured/deductible of ₹3 lakh or more. It applies to future eligible claims, does not trigger for the first claim and has restrictions for claims related to the same illness, disease or injury for the same person. Applicability to this exact variant is not verified.

Cumulative Bonus

Activ Health Platinum Essential

10% per year, up to 100%

VS

Health Booster SuperTopup Individual Adult 1 Year N

The insurer's general Health Booster FAQ describes an Additional Sum Insured of 10% of the base sum insured for each claim-free renewal year, up to 50%; a claim can reduce the accrued amount. Applicability to this exact variant is not verified.

Daycare Treatment

Activ Health Platinum Essential

Covered.

VS

Health Booster SuperTopup Individual Adult 1 Year N

Eligible daycare procedures are listed in the insurer's Health Booster key information, subject to policy terms.

Consumable Cover

Activ Health Platinum Essential

Optional/subject to policy.

VS

Health Booster SuperTopup Individual Adult 1 Year N

Not verified for this exact variant.

AYUSH Treatment

Activ Health Platinum Essential

Covered.

VS

Health Booster SuperTopup Individual Adult 1 Year N

In-patient AYUSH hospitalisation is listed in the insurer's published Health Booster key information, subject to policy terms. Applicability to this exact variant is not verified.

Initial Waiting Period

Activ Health Platinum Essential

30 days

VS

Health Booster SuperTopup Individual Adult 1 Year N

30 days for illnesses, except hospitalisation due to bodily injury, according to the insurer's general Health Booster information. Applicability to this exact variant should be confirmed.

Specific Waiting Period

Activ Health Platinum Essential

24 months

VS

Health Booster SuperTopup Individual Adult 1 Year N

24 months for specified illnesses and treatments, subject to the policy wording.

PED Waiting Period

Activ Health Platinum Essential

36 months

VS

Health Booster SuperTopup Individual Adult 1 Year N

24 months of continuous coverage for pre-existing diseases declared and accepted by the insurer, according to the general Health Booster information.

Modern Treatment

Activ Health Platinum Essential

Covered.

VS

Health Booster SuperTopup Individual Adult 1 Year N

Not verified for this exact variant.

Annual Health Checkup

Activ Health Platinum Essential

Once every policy year

VS

Health Booster SuperTopup Individual Adult 1 Year N

The insurer's published Health Booster information mentions wellness and preventive healthcare, including routine health check-ups. Availability and limits for this exact variant are not verified.

Pre-Hospitalisation

Activ Health Platinum Essential

30 days

VS

Health Booster SuperTopup Individual Adult 1 Year N

Eligible expenses are covered for up to 60 days before hospitalisation, subject to policy terms.

Post-Hospitalisation

Activ Health Platinum Essential

60 days

VS

Health Booster SuperTopup Individual Adult 1 Year N

Eligible expenses are covered for up to 90 days after hospitalisation, subject to policy terms.

Outpatient Department Cover (OPD Expense)

Activ Health Platinum Essential

Not standard base limit

VS

Health Booster SuperTopup Individual Adult 1 Year N

Routine OPD coverage is not verified for this exact variant.

Deductible Option

Activ Health Platinum Essential

Subject to applicable optional benefit

VS

Health Booster SuperTopup Individual Adult 1 Year N

A deductible applies before eligible base medical claims become payable. For a Super Top-up plan, the deductible is applied to aggregate eligible hospitalisation expenses during the policy year; the amount for this variant is not verified.

Coverage Options

Activ Health Platinum Essential

Individual / Family Floater

VS

Health Booster SuperTopup Individual Adult 1 Year N

The selected sum insured, deductible and policy configuration for this variant are not verified.

Claim Settlement Ratio

Activ Health Platinum Essential

97%

VS

Health Booster SuperTopup Individual Adult 1 Year N

FY 24-25: ~84%

Maternity Cover

Activ Health Platinum Essential

Available as an add-on

VS

Health Booster SuperTopup Individual Adult 1 Year N

Not verified for this exact variant; not listed among the standard benefits in the referenced Health Booster key information.

Insurance Plans Comparison

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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

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

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

1-5 of 10 FAQs

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