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Insurance Plans Comparison

Aditya Birla Activ One VIP+ vs ICICI Lombard Health Elite Plus

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

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Aditya Birla

Activ One VIP+

Cover planned treatment abroad and worldwide emergencies up to the base sum insured, add 50% super credit each year, up to 100% and capped at ₹4 crore, even after a claim, and cover listed non-medical hospital expenses.

What Makes It Special:

Activ One VIP+ is the global-cover-focused variant providing international protection for both planned and emergency treatment, alongside comprehensive domestic health insurance.

Best For:

  • Buyers wanting maternity and overseas protection

  • Customers wanting high sum insured

  • Frequent international travellers

  • Customer seeking international plan treatment

VS
ICICI Lombard

Health Elite Plus

Get a single private room and reset up to 100% of the sum insured once for the same illness and unlimited times for a different illness, with a 20% loyalty bonus up to 100% that stays after a claim.

What Makes It Special:

ICICI Lombard Health Elite Plus offers an unlimited reset benefit that can replenish up to 100% of the base sum insured when the available cover becomes insufficient after previous claims. It can be used unlimited times for different illnesses and once for the same illness, subject to policy conditions. The plan...

Best For:

  • Buyers who want the option to add specific benefits, such as worldwide hospitalisation cover or outpatient services, subject to eligibility and additional premium.

  • Customers seeking benefits such as donor expenses, domiciliary hospitalisation and air ambulance cover.

  • People who value a guaranteed cumulative bonus that can increase their available cover over time.

  • Buyers who want a reset benefit for eligible subsequent hospitalisation claims.

  • Individuals or families looking for a health insurance plan with multiple sum insured options.

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 One VIP+

  • International benefits should be checked against the policy schedule.

  • The plan is designed for higher sum insured levels.

  • Travel duration limits apply.

  • Overseas treatment is subject to geographical, eligibility and policy conditions.

ICICI Lombard Health Elite Plus

  • If you need worldwide cover or other add-ons, confirm their availability, waiting periods, limits and additional premium before purchasing.

  • If you opt for voluntary co-payment or treatment outside your selected pricing zone, account for the applicable out-of-pocket share.

  • If you expect to use outpatient services, confirm whether the optional BeFit cover is selected and what its specific limits include.

  • If you have a pre-existing condition, check the 24-month waiting period and disclose your medical history accurately.

  • Choose a sum insured that fits your expected medical costs and check how room eligibility changes at the ₹20 lakh threshold.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Activ One VIP+
Activ One VIP+

Health Insurance Plan

Brochure

Policy Wording

VS
Health Elite Plus
Health Elite Plus

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Activ One VIP+

Normal: Actuals up to Sum Insured.

ICU: Actuals up to Sum Insured.

VS

Health Elite Plus

  1. Normal: Covered Up to Sum Insured
  2. ICU: Covered up to sum insured
Advanced Treatments

Activ One VIP+

List all covered advanced/modern treatments mentioned: Uterine Artery Embolization and HIFU (High intensity focused ultrasound), Immunotherapy- Monoclonal Antibody, Vaporisation of the Prostrate (Green laser treatment or holmium laser treatment), Stem Cell Therapy (Hematopoietic Stem Cells for Bone Marrow Transplant for Haematological Conditions), Balloon Sinuplasty, Oral Chemotherapy, Robotic Surgeries, Stereotactic Radio Surgeries, Deep Brain Stimulation, Intra Vitreal Injections, Bronchial Thermoplasty, and IONM (Intra Operative Neuro Monitoring).

VS

Health Elite Plus

  1. Oral chemotherapy
  2. Robotic surgeries
  3. Stem cell therapy
ICU Charges

Activ One VIP+

Information Unavailable

VS

Health Elite Plus

Not verified for the exact current variant configuration.

Co-payment

Activ One VIP+

Not mentioned

VS

Health Elite Plus

Insured can choose 10% or 20% co-payment, allowing cost-sharing for lower premium expenses.

Disease-wise sublimits

Activ One VIP+

Information Unavailable

VS

Health Elite Plus

Cataract treatment is limited to 10% of the sum insured, up to ₹1 lakh per eye, after the applicable two-year period. Other applicable limits and exclusions must be checked in the policy wording.

Waiting Period

Activ One VIP+

Initial Waiting Period: 30 Days.

Pre-existing Disease Waiting Period: 3 years.

Specific Disease/Procedure Waiting Period: 2 years.

VS

Health Elite Plus

Information Unavailable

Cashless Healthcare Providers

Activ One VIP+

10,000+ Network hospitals.

VS

Health Elite Plus

10,000+ Cashless Healthcare Providers

Restoration Benefit

Activ One VIP+

Information Unavailable

VS

Health Elite Plus

Reset of up to 100% of the base sum insured, unlimited times for different illnesses and once for the same illness. It does not trigger on the first claim and is subject to the policy conditions.

Daycare Treatment

Activ One VIP+

Actuals up to Sum Insured

VS

Health Elite Plus

Covers procedures requiring less than 24-hour hospitalization, like cataract surgery and chemotherapy.

Cumulative Bonus

Activ One VIP+

Information Unavailable

VS

Health Elite Plus

Loyalty bonus is described in the available policy information; current applicable rate and maximum require verification.

AYUSH Treatment

Activ One VIP+

Actuals up to Sum Insured

VS

Health Elite Plus

Coverage for Ayurveda, Yoga, Unani, Siddha, and Homeopathy at government-recognized institutions.

Consumable Cover

Activ One VIP+

Information Unavailable

VS

Health Elite Plus

Not verified as a standard benefit for the exact current variant.

Initial Waiting Period

Activ One VIP+

Information Unavailable

VS

Health Elite Plus

30 days for illnesses from the start of the policy; accidents are excluded from this waiting-period restriction.

Specific Waiting Period

Activ One VIP+

Information Unavailable

VS

Health Elite Plus

24 months for specified diseases and procedures listed in the policy.

PED Waiting Period

Activ One VIP+

Information Unavailable

VS

Health Elite Plus

24 months for declared and accepted pre-existing diseases, subject to policy terms and applicable portability rules.

Modern Treatment

Activ One VIP+

Information Unavailable

VS

Health Elite Plus

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

Annual Health Checkup

Activ One VIP+

Information Unavailable

VS

Health Elite Plus

Preventive health check-up available at designated centres, subject to policy conditions.

Pre-Hospitalisation

Activ One VIP+

Information Unavailable

VS

Health Elite Plus

60 days


Post-Hospitalisation

Activ One VIP+

Information Unavailable

VS

Health Elite Plus

180 days.

Outpatient Department Cover (OPD Expense)

Activ One VIP+

Information Unavailable

VS

Health Elite Plus

Not included as a general unlimited standard benefit. Optional BeFit provides specified outpatient consultations and related benefits on a cashless basis, according to the selected plan.

Deductible Option

Activ One VIP+

Information Unavailable

VS

Health Elite Plus

No deductible option.

Coverage Options

Activ One VIP+

Information Unavailable

VS

Health Elite Plus

Individual and family floater options, with sum insured options from ₹5 lakh to ₹3 crore.

Maternity Cover

Activ One VIP+

Information Unavailable

VS

Health Elite Plus

Childbirth-related medical expenses are excluded, except ectopic pregnancy, as stated in the exclusions.

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

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  • 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

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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.

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