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Insurance Plans Comparison

Aditya Birla Activ One VIP vs ICICI Lombard Criti Shield Family Shield

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

Get emergency hospital treatment worldwide, excluding the USA and Canada, with an international sum insured above the domestic cover, built-in maternity, and unlimited refills of the sum insured from the second claim.

What Makes It Special:

Activ One VIP is the global-cover-oriented Activ One variant, combining domestic health insurance with emergency international coverage and specified major-illness and maternity benefits outside India.

Best For:

  • Advanced treatment and wellness plan

  • Unlimited sum insured restoration

  • Family floater with extensive benefits

  • Ultra-high coverage health insurance

VS
ICICI Lombard

Criti Shield Family Shield

Cover hospitalisation for specified infectious diseases, including listed vector-borne illnesses such as dengue and malaria, and personal accident benefits for death, disablement and accidental hospital treatment.

What Makes It Special:

ICICI Lombard Family Shield combines defined benefits for specified infectious diseases with personal accident and hospital daily cash benefits. Coverage includes selected vector-borne, viral, gastrointestinal and nervous system infections, along with rabies and tetanus. Additional benefits may be available depending on the options selected and the policy certificate.

Best For:

  • Customers who understand that this is a benefit-specific policy and not a substitute for comprehensive hospitalisation insurance.

  • Buyers who want to explore optional benefits such as broken bones or burns cover.

  • People who value fixed hospital daily cash benefits where selected.

  • Families seeking additional financial protection against eligible accidental injuries.

  • Buyers looking for defined benefits for specified infectious diseases.

Insurance Plans Comparison

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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

  • You enjoy wellness rewards and annual health check-ups from day one

  • You value maternity and modern medical treatments

  • You want freedom with no room rent or co-payment limits

  • You prefer unlimited sum insured refills (Super Reload)

  • You want very high medical coverage up to ₹6 crore

ICICI Lombard Criti Shield Family Shield

  • If you need broad coverage for unrelated illnesses, surgeries and hospital bills, compare this policy with a comprehensive indemnity-based health insurance plan.

  • Review waiting periods carefully, particularly the 30-day waiting period for infectious disease benefits and the pre-existing disease restriction applicable to hospital daily cash benefits.

  • Review the personal accident benefit amounts and definitions of disability before relying on the policy for accident protection.

  • Confirm whether hospital daily cash benefits are included and check the applicable daily limits and eligibility conditions.

  • Check the list of covered infections and their claim requirements to confirm that the policy addresses your priorities.

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
Criti Shield Family Shield
Criti Shield Family Shield

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Activ One VIP

All room categories are covered

VS

Criti Shield Family Shield

  1. Normal: Covered Up to Sum Insured
  2. ICU: Covered Up to Sum Insured
ICU Charges

Activ One VIP

No restriction on ICU room rent

VS

Criti Shield Family Shield

ICU-related cash benefits may be available under selected hospital cash benefits; limits depend on the policy certificate.

Advanced Treatments

Activ One VIP

Information Unavailable

VS

Criti Shield Family Shield

  1. Oral Chemotherapy 
  2. Robotic Surgeries 
  3. Stem Cell Therapy 
Disease-wise sublimits

Activ One VIP

No

VS

Criti Shield Family Shield

Benefits are defined for specified infections and accident-related events; applicable limits are benefit-specific and should be confirmed in the policy certificate.

Co-payment

Activ One VIP

Yes


VS

Criti Shield Family Shield

Co payment is applicable as chosen by the insured. 

It allows the insured to opt for 10% or 20% co-payment.

Cashless Healthcare Providers

Activ One VIP

11000+ Healthcare Providers

VS

Criti Shield Family Shield

10,000+ Healthcare Providers

Restoration Benefit

Activ One VIP

Not available

VS

Criti Shield Family Shield

No restoration benefit verified.

Daycare Treatment

Activ One VIP

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

VS

Criti Shield Family Shield

Covers medical procedures requiring hospitalization for less than 24 hours, such as cataract surgery or chemotherapy​

Cumulative Bonus

Activ One VIP

Your sum insured increases by 50% every year, maximum up to 100%

VS

Criti Shield Family Shield

No cumulative bonus benefit verified. The published brochure lists a 5% renewal discount and a family discount of up to 7.5%.

Consumable Cover

Activ One VIP

Yes

VS

Criti Shield Family Shield

Not specified.

AYUSH Treatment

Activ One VIP

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

VS

Criti Shield Family Shield

.

Initial Waiting Period

Activ One VIP

30 days

VS

Criti Shield Family Shield

30 days for specific infectious disease and hospital daily cash benefits; 0 days for personal accident benefits, as stated in the published brochure.

Specific Waiting Period

Activ One VIP

2 years

VS

Criti Shield Family Shield

30 days for specific infectious disease benefits.

PED Waiting Period

Activ One VIP

3 years

VS

Criti Shield Family Shield

Two-year pre-existing disease restriction specified for Hospital Daily Cash Benefit; applicability to other benefits must be checked in the policy wording.

Modern Treatment

Activ One VIP

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

VS

Criti Shield Family Shield

Not specified as a standalone benefit in the reviewed product information.

Annual Health Checkup

Activ One VIP

Not available

VS

Criti Shield Family Shield

Not specified.

Pre-Hospitalisation

Activ One VIP

You get cover for medical tests and doctor visits up to 90 days before hospitalisation, if your main claim is approved

VS

Criti Shield Family Shield

Accidental pre-hospitalisation expenses may be covered under the applicable accident benefit; a general time limit was not verified.

Post-Hospitalisation

Activ One VIP

You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it

VS

Criti Shield Family Shield

Accidental pre- and post-hospitalisation expenses may be covered under the applicable accident benefit; a general post-hospitalisation limit was not verified.

Outpatient Department Cover (OPD Expense)

Activ One VIP

OPD expenses are covered

VS

Criti Shield Family Shield

No general OPD benefit verified. Accident-related diagnostic tests may be covered under the applicable benefit.

Deductible Option

Activ One VIP

Not available

VS

Criti Shield Family Shield

Any deductible or loss-sharing provision must be confirmed in the policy certificate.

Coverage Options

Activ One VIP

Available coverage options: ₹50 Lacs, ₹75 Lacs, ₹1 Cr, ₹2 Cr, ₹3 Cr, ₹4 Cr, ₹5 Cr, ₹6 Cr

VS

Criti Shield Family Shield

Specific infectious disease benefits, personal accident benefits, hospital daily cash benefits and selected additional benefits.

Claim Settlement Ratio

Activ One VIP

96%

VS

Criti Shield Family Shield

FY 2024-25: ~84%


Maternity Cover

Activ One VIP

Available

VS

Criti Shield Family Shield

Maternity and pregnancy-termination expenses are listed among exclusions.

Insurance Plans Comparison

Still Confused? Get Expert Advice

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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

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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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