Insurance Plans Comparison
Aditya Birla Activ One Max vs ICICI Lombard Health AdvantEdge Plus
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
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.
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 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.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Activ One Max Health Insurance Plan VS VS |
![]() Health AdvantEdge Plus Health Insurance Plan |
| Room Rent |
|---|
Activ One Max All room categories are covered |
VS VS |
Health AdvantEdge Plus
|
| ICU Charges |
|---|
Activ One Max No restriction on ICU room rent |
VS VS |
Health AdvantEdge Plus Up to sum insured for Apex Plus, subject to the applicable wording. |
| Advanced Treatments |
|---|
Activ One Max Information Unavailable |
VS VS |
Health AdvantEdge Plus
|
| Co-payment |
|---|
Activ One Max Available as an option |
VS VS |
Health AdvantEdge Plus Co payment is applicable as chosen by the insured. It allows the insured to opt for 10% or 20% co-payment. |
| Disease-wise sublimits |
|---|
Activ One Max No |
VS VS |
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. |
| Cashless Healthcare Providers |
|---|
Activ One Max 11000+ Healthcare Providers |
VS VS |
Health AdvantEdge Plus 10,000+ Healthcare Providers 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 |
Health AdvantEdge Plus Information Unavailable |
| Cumulative Bonus |
|---|
Activ One Max Your sum insured increases by 100% every year up to 500%, maximum 3cr |
VS VS |
Health AdvantEdge Plus Guaranteed cumulative bonus: 20% of sum insured, up to 100%, under the historical Apex Plus brochure. |
| Daycare Treatment |
|---|
Activ One Max Covers medical expenses for treatments not requiring 24-hour hospitalisation, up to your annual sum insured |
VS VS |
Health AdvantEdge Plus Covered. Requires hospitalization of more than 24 Hours. |
| Consumable Cover |
|---|
Activ One Max Yes |
VS VS |
Health AdvantEdge Plus Listed non-medical expenses may require the optional Claim Protector benefit; verify the applicable schedule. |
| AYUSH Treatment |
|---|
Activ One Max Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
VS VS |
Health AdvantEdge Plus AYUSH is covered up to Sum Insured. |
| Initial Waiting Period |
|---|
Activ One Max 30 days |
VS VS |
Health AdvantEdge Plus 30 days for illnesses; accidental hospitalisation exempt. |
| Specific Waiting Period |
|---|
Activ One Max 2 years |
VS VS |
Health AdvantEdge Plus 2 years for specified diseases and procedures, subject to the policy wording. |
| PED Waiting Period |
|---|
Activ One Max 3 years |
VS VS |
Health AdvantEdge Plus 2 years, subject to disclosure and acceptance by the insurer. |
| 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 |
Health AdvantEdge Plus Covered up to sum insured, subject to policy terms and exclusions. |
| Annual Health Checkup |
|---|
Activ One Max Health check-up is available from the first policy year |
VS VS |
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. |
| 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 |
Health AdvantEdge Plus |
| 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 |
Health AdvantEdge Plus Up to 180 days under the historical Apex Plus brochure. |
| Outpatient Department Cover (OPD Expense) |
|---|
Activ One Max OPD expense is not included |
VS VS |
Health AdvantEdge Plus General OPD cover not verified. Teleconsultations are listed in the historical brochure as an included value-added service. |
| Deductible Option |
|---|
Activ One Max Available as an option |
VS VS |
Health AdvantEdge Plus Not verified for this variant. |
| Coverage Options |
|---|
Activ One Max Available coverage options: ₹5L, ₹7L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr and ₹2 Cr |
VS VS |
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. |
| Claim Settlement Ratio |
|---|
Activ One Max 96% |
VS VS |
Health AdvantEdge Plus FY 24-25: ~84% |
| Maternity Cover |
|---|
Activ One Max Not available |
VS VS |
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. |
Insurance Plans Comparison
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