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Insurance Plans Comparison

Aditya Birla Active Fit Plus vs ICICI Lombard Health AdvantEdge

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

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Aditya Birla

Active Fit Plus

Wellness-driven health protection with Binge Refill and HealthReturns

What Makes It Special:

Activ Fit Plus is designed around health insurance and wellness rewards, with Binge Refill, health assessment, HealthReturns and fitness-linked benefits.

Best For:

  • People looking for broad hospitalisation and daycare coverage

  • Buyers wanting unlimited sum insured refill

  • Customers interested in wellness rewards

  • Younger adults and families

VS
ICICI Lombard

Health AdvantEdge

Stay in any room category and restore 100% of the base sum insured even after only part of it is used, including for the same illness, along with a 20% cumulative bonus up to 100%.

What Makes It Special:

ICICI Lombard Health AdvantEdge is a comprehensive health insurance policy available through individual and family floater configurations. It covers eligible hospitalisation, daycare procedures, domiciliary hospitalisation, pre- and post-hospitalisation expenses, ambulance services and AYUSH treatment. The plan also provides wellness and preventive health check-up benefits, with optional features such as maternity...

Best For:

  • Buyers who want to evaluate optional maternity, teleconsultation or non-medical expense protection.

  • Customers interested in preventive health check-ups and wellness services.

  • Buyers who value restoration and loyalty benefits, subject to policy conditions.

  • Families who want to share a sum insured through a family floater policy.

  • Individuals looking for comprehensive health insurance 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

  • Waiting periods should be reviewed before purchase.

  • Maternity is not part of the Plus variant.

  • Binge Refill can provide additional protection after some insured is exhausted.

  • Suitable if wellness linked rewards are important.

  • Confirm whether your preferred hospitals are in the current cashless network and verify the exact terms shown in your policy schedule.

  • Compare the additional premium and limits for optional maternity, Claim Protector and other add-on benefits before selecting them.

  • Check waiting periods for pre-existing diseases and listed conditions before relying on the policy for planned treatment.

  • Review the room-rent option carefully because selecting a room above the applicable entitlement may affect the claim settlement.

  • Select the Prime, Royal or Apex tier based on your required sum insured and the options currently offered.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Active Fit Plus
Active Fit Plus

Health Insurance Plan

VS
Health AdvantEdge
Health AdvantEdge

Health Insurance Plan

Room Rent

Active Fit Plus

Any room for some in short 5 lakh and above.

VS

Health AdvantEdge

Normal: Any category room; Up to Sum Insured

ICU: Up to Sum Insured

ICU Charges

Active Fit Plus

No sublimit or caps.

VS

Health AdvantEdge

Eligible ICU expenses are covered within the applicable sum insured and policy limits.

Advanced Treatments

Active Fit Plus

Information Unavailable

VS

Health AdvantEdge

Home care treatment, teleconsultations, domestic air ambulance, bariatric surgery, worldwide cover

Co-payment

Active Fit Plus

No mandatory co-payment identified.

VS

Health AdvantEdge

0% co-payment

Disease-wise sublimits

Active Fit Plus

Subject to policy terms.

VS

Health AdvantEdge



Cashless Healthcare Providers

Active Fit Plus

Current insurer network is 16,500+.

VS

Health AdvantEdge

Cashless treatment available at network hospitals

Restoration Benefit

Active Fit Plus

Binge refill - 100% sum insured, unlimited times

VS

Health AdvantEdge

Restore Benefit can restore up to 100% of the sum insured once in a policy year under the cited policy version, subject to the applicable claim conditions.

Cumulative Bonus

Active Fit Plus

10% of SI per year, maximum 100%

VS

Health AdvantEdge

Guaranteed Cumulative Bonus of 20% of the sum insured for an eligible claim-free year under the cited policy version; accrued bonus is not reduced by a claim, subject to policy terms.

Daycare Treatment

Active Fit Plus

All daycare treatments up to sum insured

VS

Health AdvantEdge

All daycare procedures covered

Consumable Cover

Active Fit Plus

Optional/subject to applicable cover

VS

Health AdvantEdge

Claim Protector is available as an optional cover for eligible non-medical expenses, subject to the selected option and policy terms.

AYUSH Treatment

Active Fit Plus

Covered up to sum insured

VS

Health AdvantEdge

Covered up to Sum Insured

Initial Waiting Period

Active Fit Plus

30 days

VS

Health AdvantEdge

30 days for illnesses, except eligible accident-related hospitalisation.

Specific Waiting Period

Active Fit Plus

Information Unavailable

VS

Health AdvantEdge

Generally 24 months for listed diseases and procedures, subject to the applicable wording.

PED Waiting Period

Active Fit Plus

36 months

VS

Health AdvantEdge

Generally 24 months for declared and accepted pre-existing diseases under the cited policy version; confirm the applicable plan and policy schedule.

Modern Treatment

Active Fit Plus

Covered up to sum insured

VS

Health AdvantEdge

Listed modern treatments are covered subject to the applicable plan limits and policy wording.

Annual Health Checkup

Active Fit Plus

Once every policy year for eligible insured persons

VS

Health AdvantEdge

Preventive health check-up coupons are available under the cited policy version for eligible insured adults; package and usage conditions apply.

Pre-Hospitalisation

Active Fit Plus

90 days

VS

Health AdvantEdge

Covered for the period specified in the applicable policy wording; verify the exact duration for the current UIN.

Post-Hospitalisation

Active Fit Plus

180 days

VS

Health AdvantEdge

Covered for the period specified in the applicable policy wording; confirm the exact limit for the current UIN.

Outpatient Department Cover (OPD Expense)

Active Fit Plus

Not part of standard hospitalisation cover; optional OPD available.

VS

Health AdvantEdge

Not a blanket standard OPD reimbursement benefit. Optional BeFit/OPD-related cover may be available with eligible configurations.

Deductible Option

Active Fit Plus

Not established as a standard inbuilt benefit

VS

Health AdvantEdge

A voluntary deductible may be available under selected configurations; confirm the amount and terms in the policy schedule.

Coverage Options

Active Fit Plus

Individual, multi-individual, and family floater available.

VS

Health AdvantEdge

Prime, Royal and Apex plan tiers, with individual and family floater options and optional benefits.

Claim Settlement Ratio

Active Fit Plus

97%

VS

Health AdvantEdge

FY 24-25: ~84%

Maternity Cover

Active Fit Plus

Not available.

VS

Health AdvantEdge

Optional maternity benefit may cover eligible maternity expenses up to 10% of annual sum insured, capped at ₹1 lakh; newborn expenses may be covered over and above this limit, subject to policy terms.

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?

End-to-End Support

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From choosing the right policy to managing claims, every step is handled for you

Zero Spam. Zero Hassle

Zero Spam. Zero Hassle

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)

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