Insurance Plans Comparison
Aditya Birla Activ One Max vs ICICI Lombard Golden Shield
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreActiv One Max
Comprehensive Health Insurance with Unlimited Super Reload and 500% Super Credit.
What Makes It Special:
Aditya Birla Activ One MAX is an all-encompassing health insurance plan offering coverage from ₹2 lakh up to ₹6 crore, ideal for individuals and families. It includes unlimited room rent and hospitalisation expenses, Super Reload unlimited sum insured refills, Super Credit sum boosts up to 500%, and HealthReturns™ that reward...
Best For:
High-Sum Insured Premium Plan
Wellness Reward-Based Health Insurance
Unlimited Restoration Medical Coverage
Advanced Family Floater Protection
VS
Golden Shield
Cover hospital care for seniors, with a twin-sharing room below ₹10 lakh and a single private AC room from ₹10 lakh, a 50% co-pay on every admissible claim, and 60 days before admission plus 180 days after discharge.
What Makes It Special:
ICICI Lombard Golden Shield is designed for senior citizens and offers hospitalisation cover through individual and family floater options. Benefits include inpatient treatment, daycare procedures, AYUSH hospitalisation, pre- and post-hospitalisation expenses, domiciliary treatment and a Reset Benefit. The policy also offers a Loyalty Bonus and optional features such as Claim...
Best For:
Buyers seeking additional features such as Claim Protector or Care Management Plus, subject to availability and eligibility.
Customers who want to evaluate options for reducing the policy's standard co-payment.
Buyers who want a reset feature for eligible subsequent hospitalisation claims.
Older couples looking for a shared family floater or individual cover options.
Senior citizens seeking health insurance for eligible hospitalisation expenses.
Insurance Plans Comparison
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Quick Decision Guide
Ultra‑high coverage up to ₹6 crore
Unlimited super‑reload sum insured refills
HealthReturns™ rewards boost wellness savings
No room rent or co‑payment restrictions
Chronic care and enhanced add‑on protection
Compare the disease-specific sublimits with your healthcare needs, especially for cataract, cardiovascular treatment, cancer and renal conditions.
Review the 24-month PED and specified-disease waiting periods, along with the separate 90-day exclusion for hypertension, diabetes and cardiac conditions.
Check the room category linked to your sum insured to avoid unexpected proportionate deductions.
Review the base 50% co-payment carefully and compare the additional premium for reducing it to 40%, 30% or 20%.
Select a sum insured based on expected medical expenses and confirm that the desired option is available for your age and health profile.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Activ One Max Health Insurance Plan VS VS |
![]() Golden Shield Health Insurance Plan |
| Room Rent |
|---|
Activ One Max All room categories are covered |
VS VS |
Golden Shield ICICI Lombard's Health Shield plan offers comprehensive coverage with no specific capping on room rent or ICU charges. |
| ICU Charges |
|---|
Activ One Max No restriction on ICU room rent |
VS VS |
Golden Shield Covered under eligible inpatient hospitalisation, subject to the annual sum insured and applicable policy conditions. |
| Advanced Treatments |
|---|
Activ One Max Information Unavailable |
VS VS |
Golden Shield The plan covers advanced treatments like robotic surgeries, immunotherapy, oral chemotherapy, stem cell therapy, and minimally invasive procedures for various conditions. |
| Co-payment |
|---|
Activ One Max Available as an option |
VS VS |
Golden Shield The ICICI Lombard Golden Shield plan includes a mandatory 50% co-payment, meaning policyholders are responsible for half of the admissible claim amount, while the insurer covers the remaining 50%. This co-payment applies to all claims made under the policy. |
| Disease-wise sublimits |
|---|
Activ One Max No |
VS VS |
Golden Shield Yes. Cataract and specified cardiovascular, cerebrovascular, cancer, renal, long-bone/joint and robotic-surgery treatments have limits that vary by sum insured. |
| Cashless Healthcare Providers |
|---|
Activ One Max 11000+ Healthcare Providers |
VS VS |
Golden Shield 10,896+ hospitals across India. |
| Restoration Benefit |
|---|
Activ One Max Yes, your sum insured restores to 100% unlimited times after your second claim, for both related and unrelated illnesses |
VS VS |
Golden Shield Unlimited Reset Benefit of up to 100% of the annual sum insured for eligible subsequent claims. It does not apply to the first claim and has restrictions for the same illness or related complications. |
| Cumulative Bonus |
|---|
Activ One Max Your sum insured increases by 100% every year up to 500%, maximum 3cr |
VS VS |
Golden Shield Loyalty Bonus accumulates under the policy's renewal rules; accrued bonus is not reduced merely because a claim is made. |
| Daycare Treatment |
|---|
Activ One Max Covers medical expenses for treatments not requiring 24-hour hospitalisation, up to your annual sum insured |
VS VS |
Golden Shield Covered under the policy. |
| Consumable Cover |
|---|
Activ One Max Yes |
VS VS |
Golden Shield Claim Protector is available as an optional cover for eligible non-medical items associated with an accepted inpatient claim. |
| AYUSH Treatment |
|---|
Activ One Max Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
VS VS |
Golden Shield Covered under this policy |
| Initial Waiting Period |
|---|
Activ One Max 30 days |
VS VS |
Golden Shield 30 days for illnesses, except covered accident-related hospitalisation. |
| Specific Waiting Period |
|---|
Activ One Max 2 years |
VS VS |
Golden Shield 24 months for listed diseases and procedures. |
| PED Waiting Period |
|---|
Activ One Max 3 years |
VS VS |
Golden Shield 24 months of continuous coverage for declared and accepted pre-existing diseases. |
| Modern Treatment |
|---|
Activ One Max Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
VS VS |
Golden Shield Listed modern treatments are covered up to the annual sum insured, subject to specified sublimits. |
| Annual Health Checkup |
|---|
Activ One Max Health check-up is available from the first policy year |
VS VS |
Golden Shield Information Unavailable |
| Pre-Hospitalisation |
|---|
Activ One Max You get cover for medical tests and doctor visits up to 90 days before hospitalisation, if your main claim is approved |
VS VS |
Golden Shield 60 days before hospitalisation, subject to policy terms and the accepted inpatient claim. |
| Post-Hospitalisation |
|---|
Activ One Max You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it |
VS VS |
Golden Shield Up to 7% of hospitalisation expenses, subject to a maximum of ₹5,000 for ₹3–5 lakh sum insured, ₹7,000 for ₹10–15 lakh, and ₹10,000 for ₹20–50 lakh. |
| Outpatient Department Cover (OPD Expense) |
|---|
Activ One Max OPD expense is not included |
VS VS |
Golden Shield Not included as a general standard reimbursement benefit. Outpatient consultations may be available through the optional Care Management Plus Program. |
| Deductible Option |
|---|
Activ One Max Available as an option |
VS VS |
Golden Shield Optional voluntary deductible of 20% of the annual sum insured, applied on an aggregate basis during the policy year. |
| Coverage Options |
|---|
Activ One Max Available coverage options: ₹5L, ₹7L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr and ₹2 Cr |
VS VS |
Golden Shield Individual or family floater; optional Claim Protector, reduced co-payment, voluntary deductible and Care Management Plus Program. |
| Claim Settlement Ratio |
|---|
Activ One Max 96% |
VS VS |
Golden Shield FY 24-25: ~84% |
| Maternity Cover |
|---|
Activ One Max Not available |
VS VS |
Golden Shield Not covered under this senior-citizen-focused plan. |
Insurance Plans Comparison
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