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...
Read moreActive 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
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
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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 Health Insurance Plan VS VS |
![]() Health AdvantEdge Health Insurance Plan |
| Room Rent |
|---|
Active Fit Plus Any room for some in short 5 lakh and above. |
VS 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 VS |
Health AdvantEdge Eligible ICU expenses are covered within the applicable sum insured and policy limits. |
| Advanced Treatments |
|---|
Active Fit Plus Information Unavailable |
VS 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 VS |
Health AdvantEdge 0% co-payment |
| Disease-wise sublimits |
|---|
Active Fit Plus Subject to policy terms. |
VS VS |
Health AdvantEdge |
| Cashless Healthcare Providers |
|---|
Active Fit Plus Current insurer network is 16,500+. |
VS VS |
Health AdvantEdge Cashless treatment available at network hospitals |
| Restoration Benefit |
|---|
Active Fit Plus Binge refill - 100% sum insured, unlimited times |
VS 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 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 VS |
Health AdvantEdge All daycare procedures covered |
| Consumable Cover |
|---|
Active Fit Plus Optional/subject to applicable cover |
VS 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 VS |
Health AdvantEdge Covered up to Sum Insured |
| Initial Waiting Period |
|---|
Active Fit Plus 30 days |
VS VS |
Health AdvantEdge 30 days for illnesses, except eligible accident-related hospitalisation. |
| Specific Waiting Period |
|---|
Active Fit Plus Information Unavailable |
VS 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 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 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 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 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 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 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 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 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 VS |
Health AdvantEdge FY 24-25: ~84% |
| Maternity Cover |
|---|
Active Fit Plus Not available. |
VS 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
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