Insurance Plans Comparison
Aditya Birla Active Fit Preferred vs ICICI Lombard Elevate (Direct)
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreActive Fit Preferred
Activ Fit Preferred
What Makes It Special:
Activ Fit Preferred combines hospitalization coverage with fitness rewards and maternity protection. It includes unlimited Binge Refill, HealthReturns and a maternity benefit over and above the base Sum Insured.
Best For:
Buyers wanting unlimited refill protection
Customers interested in fitness-linked rewards
Buyers planning for maternity
Younger families
VS
Elevate (Direct)
Get comprehensive health insurance with customisable benefits, flexible sum insured options and a 5% online purchase discount with Elevate Direct.
What Makes It Special:
ICICI Lombard Elevate Direct is the online-purchase variant of the Elevate health insurance plan. It offers the same underlying coverage and customisation options as standard Elevate, including hospitalisation benefits, pre- and post-hospitalisation expenses, restoration features and a range of optional benefits. Customers can customise their protection through available add-ons for...
Best For:
Value-conscious customers: People who want the same core Elevate plan benefits while saving through the online purchase discount.
Additional benefit seekers: Buyers interested in optional benefits such as worldwide cover, maternity, chronic care or Claim Protector.
Higher coverage requirements: Customers considering a range of sum insured options, including high-cover options subject to eligibility.
Customisable health protection: Buyers who want to select coverage and add-ons based on their needs.
Online insurance buyers: Customers who prefer purchasing and managing their policy digitally and want the 5% online discount.
Insurance Plans Comparison
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Quick Decision Guide
OPD consultation requires the relevant optional cover.
Health returns depend on wellness activity and applicable policy conditions.
The maternity waiting period should be considered before purchase.
Maternity benefits are a key differentiator of this variant.
Purchase online to save: Elevate Direct offers a 5% online purchase discount, while the underlying coverage remains the same as standard Elevate.
Compare add-ons: Consider whether options such as Claim Protector, Worldwide Cover, Maternity Benefit or Infinite Care meet your needs and budget.
Check zone-based conditions: Review any applicable zone-based co-payment and room eligibility conditions before purchasing.
Review waiting periods: Check the 30-day initial waiting period, 24-month specified-disease waiting period and 36-month pre-existing disease waiting period.
Choose the right sum insured: Compare the available cover options against your family size, existing insurance and expected healthcare expenses.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Active Fit Preferred Health Insurance Plan VS VS |
![]() Elevate (Direct) Health Insurance Plan |
| Room Rent |
|---|
Active Fit Preferred Any room for sum insured 5 lakh and above. |
VS VS |
Elevate (Direct) Room eligibility depends on selected plan; Room Modifier add-on for eligible SI amounts. |
| ICU Charges |
|---|
Active Fit Preferred No capping, covered up to sum insured. |
VS VS |
Elevate (Direct) Covered as per applicable policy terms and eligible room category. |
| Co-payment |
|---|
Active Fit Preferred No. |
VS VS |
Elevate (Direct) Voluntary co-payment available as optional cover. |
| Disease-wise sublimits |
|---|
Active Fit Preferred No broad disease sublimit identified; subject to policy terms. |
VS VS |
Elevate (Direct) Not Available. |
| Cashless Healthcare Providers |
|---|
Active Fit Preferred 16,500 + current insurer network |
VS VS |
Elevate (Direct) Network hospitals plus Cashless Everywhere option for any hospital in India. |
| Restoration Benefit |
|---|
Active Fit Preferred Binge refill - 100% sum insured, unlimited times |
VS VS |
Elevate (Direct) Reset Benefit restores SI for future claims; unlimited resets per year. |
| Cumulative Bonus |
|---|
Active Fit Preferred 10% per year, up to 100% |
VS VS |
Elevate (Direct) Loyalty Bonus: guaranteed 20% annual SI increase, up to 100% maximum. |
| Daycare Treatment |
|---|
Active Fit Preferred All day care treatments covered up to sum insured. |
VS VS |
Elevate (Direct) Eligible day-care procedures covered under base plan. |
| Consumable Cover |
|---|
Active Fit Preferred Optional/subject to applicable cover |
VS VS |
Elevate (Direct) Covered under Claim Protector add-on for specified items (gloves, syringes, masks) |
| AYUSH Treatment |
|---|
Active Fit Preferred Covered up to sum insured |
VS VS |
Elevate (Direct) In-patient AYUSH hospitalisation covered up to applicable SI |
| Initial Waiting Period |
|---|
Active Fit Preferred 30 days |
VS VS |
Elevate (Direct) 30 days from policy start for specified illnesses. |
| Specific Waiting Period |
|---|
Active Fit Preferred 24 months |
VS VS |
Elevate (Direct) 24 months for specified diseases. |
| PED Waiting Period |
|---|
Active Fit Preferred 48 months |
VS VS |
Elevate (Direct) 36 months for pre-existing diseases. |
| Modern Treatment |
|---|
Active Fit Preferred Covered up to sum insured. |
VS VS |
Elevate (Direct) Covers modern treatments as specified per policy with applicable per-treatment conditions. |
| Annual Health Checkup |
|---|
Active Fit Preferred Once every policy year |
VS VS |
Elevate (Direct) Optional cover with cashless package worth up to 0.5% of SI (max ₹5,000). |
| Pre-Hospitalisation |
|---|
Active Fit Preferred 90 days |
VS VS |
Elevate (Direct) Up to 90 days before hospitalisation for eligible expenses. |
| Post-Hospitalisation |
|---|
Active Fit Preferred 180 days |
VS VS |
Elevate (Direct) Up to 180 days after hospitalisation for eligible expenses. |
| Outpatient Department Cover (OPD Expense) |
|---|
Active Fit Preferred Optional cover |
VS VS |
Elevate (Direct) Available via optional BeFit benefit for cashless OPD, pharmacy, physiotherapy, diagnostics. |
| Deductible Option |
|---|
Active Fit Preferred Not established as a standard inbuilt benefit |
VS VS |
Elevate (Direct) Voluntary deductible available as optional cover. |
| Coverage Options |
|---|
Active Fit Preferred Individual, multi-individual, family floater structure as applicable. |
VS VS |
Elevate (Direct) Flexible SI options including unlimited sum insured option. |
| Claim Settlement Ratio |
|---|
Active Fit Preferred 97% |
VS VS |
Elevate (Direct) Not publicly specified on official product page. |
| Maternity Cover |
|---|
Active Fit Preferred Yes, 40,000 normal/60,000 C-section. |
VS VS |
Elevate (Direct) Optional add-on for normal/C-section deliveries: up to 10% SI (max ₹1L) after 24 months WP. |
Insurance Plans Comparison
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Insurance Plans Comparison
Explore Insurance Category
Senior Citizen Health Plan
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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
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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