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Insurance Plans Comparison

Aditya Birla Active Fit Plus vs ICICI Lombard Max Protect Premium

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

Max Protect Premium

A ₹1 crore family cover with international treatment and any-room access

What Makes It Special:

Max Protect Premium is the higher MaxProtect variant with a ₹1 crore sum insured. It adds international treatment cover, air ambulance access, and a claim protector feature, and allows any room category except suite.

Best For:

  • Buyers who do not need maternity cover or outpatient consultations

  • Frequent travellers who want air ambulance access

  • Buyers who want access to any room category except suite

  • Families who want a ₹1 crore sum insured with restoration

  • Buyers who need international treatment cover

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 Active Fit Plus

  • 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.

ICICI Lombard Max Protect Premium

  • Kindly consult the insurer on co-payment and sublimits before buying.

  • Maternity and outpatient consultations are not covered.

  • Confirm the international cover limits, since the policy wording is not yet verified.

  • The PED waiting period is 3 years, so consider the add-on that reduces it to 2 years.

  • Premium costs more than Classic, so compare the added international benefits against your needs.

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
Max Protect Premium
Max Protect Premium

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Active Fit Plus

Any room for some in short 5 lakh and above.

VS

Max Protect Premium

Any room except suite. Suite room charges are shared with the insurer.

ICU Charges

Active Fit Plus

No sublimit or caps.

VS

Max Protect Premium

Kindly refer to policy wording

Co-payment

Active Fit Plus

No mandatory co-payment identified.

VS

Max Protect Premium

Kindly refer to policy wording.

Disease-wise sublimits

Active Fit Plus

Subject to policy terms.

VS

Max Protect Premium

Kindly refer to the policy wording.

Cashless Healthcare Providers

Active Fit Plus

Current insurer network is 16,500+.

VS

Max Protect Premium

14,000+ cashless network hospitals

Restoration Benefit

Active Fit Plus

Binge refill - 100% sum insured, unlimited times

VS

Max Protect Premium

Restores up to 100% of the sum insured, multiple times in a policy year. Kindly consult the conditions.

Cumulative Bonus

Active Fit Plus

10% of SI per year, maximum 100%

VS

Max Protect Premium

Kindly review the policy wording.

Daycare Treatment

Active Fit Plus

All daycare treatments up to sum insured

VS

Max Protect Premium

Kindly refer to the policy wording.

Consumable Cover

Active Fit Plus

Optional/subject to applicable cover

VS

Max Protect Premium

Kindly refer to policy wording.

AYUSH Treatment

Active Fit Plus

Covered up to sum insured

VS

Max Protect Premium

Kindly refer to policy wording.

Initial Waiting Period

Active Fit Plus

30 days

VS

Max Protect Premium

30 DAYS

Specific Waiting Period

Active Fit Plus

Information Unavailable

VS

Max Protect Premium

Kindly refer to policy wording.

PED Waiting Period

Active Fit Plus

36 months

VS

Max Protect Premium

3 years, reducible to 2 years with the add-on

Modern Treatment

Active Fit Plus

Covered up to sum insured

VS

Max Protect Premium

Covered. Kindly consult for limits.

Annual Health Checkup

Active Fit Plus

Once every policy year for eligible insured persons

VS

Max Protect Premium

Not offered

Pre-Hospitalisation

Active Fit Plus

90 days

VS

Max Protect Premium

60 days before hospitalisation. Kindly confirm.

Post-Hospitalisation

Active Fit Plus

180 days

VS

Max Protect Premium

180 days after discharge. Kindly confirm.

Outpatient Department Cover (OPD Expense)

Active Fit Plus

Not part of standard hospitalisation cover; optional OPD available.

VS

Max Protect Premium

Not covered. Doctor consultations are not covered.

Deductible Option

Active Fit Plus

Not established as a standard inbuilt benefit

VS

Max Protect Premium

Kindly refer to policy wording.

Coverage Options

Active Fit Plus

Individual, multi-individual, and family floater available.

VS

Max Protect Premium

₹1 crore base cover. Room rent modifier and PED reduction add-ons available.

Claim Settlement Ratio

Active Fit Plus

97%

VS

Max Protect Premium

FY 24-25: ~84%

Maternity Cover

Active Fit Plus

Not available.

VS

Max Protect Premium

Not offered

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

End-to-End Support

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)

Having questions? We've got answers. Explore our FAQs to find the information you need.

1-5 of 10 FAQs

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