Insurance Plans Comparison
Aditya Birla Active Fit Preferred vs ICICI Lombard Health Elite Plus
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreActive Fit Preferred
Get maternity cover over and above the sum insured, up to ₹40,000 for a normal delivery and ₹60,000 for a C-section, plus unlimited refills of the sum insured for any illness or injury.
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
Health Elite Plus
Get a single private room and reset up to 100% of the sum insured once for the same illness and unlimited times for a different illness, with a 20% loyalty bonus up to 100% that stays after a claim.
What Makes It Special:
ICICI Lombard Health Elite Plus offers an unlimited reset benefit that can replenish up to 100% of the base sum insured when the available cover becomes insufficient after previous claims. It can be used unlimited times for different illnesses and once for the same illness, subject to policy conditions. The plan...
Best For:
Buyers who want the option to add specific benefits, such as worldwide hospitalisation cover or outpatient services, subject to eligibility and additional premium.
Customers seeking benefits such as donor expenses, domiciliary hospitalisation and air ambulance cover.
People who value a guaranteed cumulative bonus that can increase their available cover over time.
Buyers who want a reset benefit for eligible subsequent hospitalisation claims.
Individuals or families looking for a health insurance plan with multiple sum insured options.
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.
If you need worldwide cover or other add-ons, confirm their availability, waiting periods, limits and additional premium before purchasing.
If you opt for voluntary co-payment or treatment outside your selected pricing zone, account for the applicable out-of-pocket share.
If you expect to use outpatient services, confirm whether the optional BeFit cover is selected and what its specific limits include.
If you have a pre-existing condition, check the 24-month waiting period and disclose your medical history accurately.
Choose a sum insured that fits your expected medical costs and check how room eligibility changes at the ₹20 lakh threshold.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Active Fit Preferred Health Insurance Plan VS VS |
![]() Health Elite Plus Health Insurance Plan |
| Room Rent |
|---|
Active Fit Preferred Any room for sum insured 5 lakh and above. |
VS VS |
Health Elite Plus
|
| ICU Charges |
|---|
Active Fit Preferred No capping, covered up to sum insured. |
VS VS |
Health Elite Plus Not verified for the exact current variant configuration. |
| Advanced Treatments |
|---|
Active Fit Preferred Information Unavailable |
VS VS |
Health Elite Plus
|
| Co-payment |
|---|
Active Fit Preferred No. |
VS VS |
Health Elite Plus Insured can choose 10% or 20% co-payment, allowing cost-sharing for lower premium expenses. |
| Disease-wise sublimits |
|---|
Active Fit Preferred No broad disease sublimit identified; subject to policy terms. |
VS VS |
Health Elite Plus Cataract treatment is limited to 10% of the sum insured, up to ₹1 lakh per eye, after the applicable two-year period. Other applicable limits and exclusions must be checked in the policy wording. |
| Cashless Healthcare Providers |
|---|
Active Fit Preferred 16,500 + current insurer network |
VS VS |
Health Elite Plus 10,000+ Cashless Healthcare Providers |
| Restoration Benefit |
|---|
Active Fit Preferred Binge refill - 100% sum insured, unlimited times |
VS VS |
Health Elite Plus Reset of up to 100% of the base sum insured, unlimited times for different illnesses and once for the same illness. It does not trigger on the first claim and is subject to the policy conditions. |
| Cumulative Bonus |
|---|
Active Fit Preferred 10% per year, up to 100% |
VS VS |
Health Elite Plus Loyalty bonus is described in the available policy information; current applicable rate and maximum require verification. |
| Daycare Treatment |
|---|
Active Fit Preferred All day care treatments covered up to sum insured. |
VS VS |
Health Elite Plus Covers procedures requiring less than 24-hour hospitalization, like cataract surgery and chemotherapy. |
| Consumable Cover |
|---|
Active Fit Preferred Optional/subject to applicable cover |
VS VS |
Health Elite Plus Not verified as a standard benefit for the exact current variant. |
| AYUSH Treatment |
|---|
Active Fit Preferred Covered up to sum insured |
VS VS |
Health Elite Plus Coverage for Ayurveda, Yoga, Unani, Siddha, and Homeopathy at government-recognized institutions. |
| Initial Waiting Period |
|---|
Active Fit Preferred 30 days |
VS VS |
Health Elite Plus 30 days for illnesses from the start of the policy; accidents are excluded from this waiting-period restriction. |
| Specific Waiting Period |
|---|
Active Fit Preferred 24 months |
VS VS |
Health Elite Plus 24 months for specified diseases and procedures listed in the policy. |
| PED Waiting Period |
|---|
Active Fit Preferred 48 months |
VS VS |
Health Elite Plus 24 months for declared and accepted pre-existing diseases, subject to policy terms and applicable portability rules. |
| Modern Treatment |
|---|
Active Fit Preferred Covered up to sum insured. |
VS VS |
Health Elite Plus Covered up to the annual sum insured, subject to policy terms and exclusions. |
| Annual Health Checkup |
|---|
Active Fit Preferred Once every policy year |
VS VS |
Health Elite Plus Preventive health check-up available at designated centres, subject to policy conditions. |
| Pre-Hospitalisation |
|---|
Active Fit Preferred 90 days |
VS VS |
Health Elite Plus 60 days |
| Post-Hospitalisation |
|---|
Active Fit Preferred 180 days |
VS VS |
Health Elite Plus 180 days. |
| Outpatient Department Cover (OPD Expense) |
|---|
Active Fit Preferred Optional cover |
VS VS |
Health Elite Plus Not included as a general unlimited standard benefit. Optional BeFit provides specified outpatient consultations and related benefits on a cashless basis, according to the selected plan. |
| Deductible Option |
|---|
Active Fit Preferred Not established as a standard inbuilt benefit |
VS VS |
Health Elite Plus No deductible option. |
| Coverage Options |
|---|
Active Fit Preferred Individual, multi-individual, family floater structure as applicable. |
VS VS |
Health Elite Plus Individual and family floater options, with sum insured options from ₹5 lakh to ₹3 crore. |
| Claim Settlement Ratio |
|---|
Active Fit Preferred 97% |
VS VS |
Health Elite Plus Information Unavailable |
| Maternity Cover |
|---|
Active Fit Preferred Yes, 40,000 normal/60,000 C-section. |
VS VS |
Health Elite Plus Childbirth-related medical expenses are excluded, except ectopic pregnancy, as stated in the exclusions. |
Insurance Plans Comparison
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