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Insurance Plans Comparison

Aditya Birla Activ Health Platinum Essential vs ICICI Lombard Max Protect Premium

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

Max Protect Premium

A ₹1 crore family cover with international treatment and any-room access

What Makes It Special:

Max Protect Premium is the higher MaxProtect variant with a ₹1 crore sum insured. It adds international treatment cover, air ambulance access, and a claim protector feature, and allows any room category except suite.

Best For:

  • Buyers who do not need maternity cover or outpatient consultations

  • Frequent travellers who want air ambulance access

  • Buyers who want access to any room category except suite

  • Families who want a ₹1 crore sum insured with restoration

  • Buyers who need international treatment cover

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 Max Protect Premium

  • Kindly consult the insurer on co-payment and sublimits before buying.

  • Maternity and outpatient consultations are not covered.

  • Confirm the international cover limits, since the policy wording is not yet verified.

  • The PED waiting period is 3 years, so consider the add-on that reduces it to 2 years.

  • Premium costs more than Classic, so compare the added international benefits against your needs.

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
Max Protect Premium
Max Protect Premium

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Activ Health Platinum Essential

Any room.

VS

Max Protect Premium

Any room except suite. Suite room charges are shared with the insurer.

ICU Charges

Activ Health Platinum Essential

Covered

VS

Max Protect Premium

Kindly refer to policy wording

Co-payment

Activ Health Platinum Essential

20% mandatory unless applicable waiver is selected.

VS

Max Protect Premium

Kindly refer to policy wording.

Disease-wise sublimits

Activ Health Platinum Essential

Applicable.

VS

Max Protect Premium

Kindly refer to the policy wording.

Cashless Healthcare Providers

Activ Health Platinum Essential

16,500 + current insurer network

VS

Max Protect Premium

14,000+ cashless network hospitals

Restoration Benefit

Activ Health Platinum Essential

Available as add-on.

VS

Max Protect Premium

Restores up to 100% of the sum insured, multiple times in a policy year. Kindly consult the conditions.

Cumulative Bonus

Activ Health Platinum Essential

10% per year, up to 100%

VS

Max Protect Premium

Kindly review the policy wording.

Daycare Treatment

Activ Health Platinum Essential

Covered.

VS

Max Protect Premium

Kindly refer to the policy wording.

Consumable Cover

Activ Health Platinum Essential

Optional/subject to policy.

VS

Max Protect Premium

Kindly refer to policy wording.

AYUSH Treatment

Activ Health Platinum Essential

Covered.

VS

Max Protect Premium

Kindly refer to policy wording.

Initial Waiting Period

Activ Health Platinum Essential

30 days

VS

Max Protect Premium

30 DAYS

Specific Waiting Period

Activ Health Platinum Essential

24 months

VS

Max Protect Premium

Kindly refer to policy wording.

PED Waiting Period

Activ Health Platinum Essential

36 months

VS

Max Protect Premium

3 years, reducible to 2 years with the add-on

Modern Treatment

Activ Health Platinum Essential

Covered.

VS

Max Protect Premium

Covered. Kindly consult for limits.

Annual Health Checkup

Activ Health Platinum Essential

Once every policy year

VS

Max Protect Premium

Not offered

Pre-Hospitalisation

Activ Health Platinum Essential

30 days

VS

Max Protect Premium

60 days before hospitalisation. Kindly confirm.

Post-Hospitalisation

Activ Health Platinum Essential

60 days

VS

Max Protect Premium

180 days after discharge. Kindly confirm.

Outpatient Department Cover (OPD Expense)

Activ Health Platinum Essential

Not standard base limit

VS

Max Protect Premium

Not covered. Doctor consultations are not covered.

Deductible Option

Activ Health Platinum Essential

Subject to applicable optional benefit

VS

Max Protect Premium

Kindly refer to policy wording.

Coverage Options

Activ Health Platinum Essential

Individual / Family Floater

VS

Max Protect Premium

₹1 crore base cover. Room rent modifier and PED reduction add-ons available.

Claim Settlement Ratio

Activ Health Platinum Essential

97%

VS

Max Protect Premium

FY 24-25: ~84%

Maternity Cover

Activ Health Platinum Essential

Available as an add-on

VS

Max Protect Premium

Not offered

Insurance Plans Comparison

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

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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