Insurance Plans Comparison
Aditya Birla Active Fit Preferred 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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Active 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
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
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.
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 Preferred Health Insurance Plan VS VS |
Max Protect Premium Health Insurance Plan |
| Room Rent |
|---|
Active Fit Preferred Any room for sum insured 5 lakh and above. |
VS VS |
Max Protect Premium Any room except suite. Suite room charges are shared with the insurer. |
| ICU Charges |
|---|
Active Fit Preferred No capping, covered up to sum insured. |
VS VS |
Max Protect Premium Kindly refer to policy wording |
| Co-payment |
|---|
Active Fit Preferred No. |
VS VS |
Max Protect Premium Kindly refer to policy wording. |
| Disease-wise sublimits |
|---|
Active Fit Preferred No broad disease sublimit identified; subject to policy terms. |
VS VS |
Max Protect Premium Kindly refer to the policy wording. |
| Cashless Healthcare Providers |
|---|
Active Fit Preferred 16,500 + current insurer network |
VS VS |
Max Protect Premium 14,000+ cashless network hospitals |
| Restoration Benefit |
|---|
Active Fit Preferred Binge refill - 100% sum insured, unlimited times |
VS 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 Preferred 10% per year, up to 100% |
VS VS |
Max Protect Premium Kindly review the policy wording. |
| Daycare Treatment |
|---|
Active Fit Preferred All day care treatments covered up to sum insured. |
VS VS |
Max Protect Premium Kindly refer to the policy wording. |
| Consumable Cover |
|---|
Active Fit Preferred Optional/subject to applicable cover |
VS VS |
Max Protect Premium Kindly refer to policy wording. |
| AYUSH Treatment |
|---|
Active Fit Preferred Covered up to sum insured |
VS VS |
Max Protect Premium Kindly refer to policy wording. |
| Initial Waiting Period |
|---|
Active Fit Preferred 30 days |
VS VS |
Max Protect Premium 30 DAYS |
| Specific Waiting Period |
|---|
Active Fit Preferred 24 months |
VS VS |
Max Protect Premium Kindly refer to policy wording. |
| PED Waiting Period |
|---|
Active Fit Preferred 48 months |
VS VS |
Max Protect Premium 3 years, reducible to 2 years with the add-on |
| Modern Treatment |
|---|
Active Fit Preferred Covered up to sum insured. |
VS VS |
Max Protect Premium Covered. Kindly consult for limits. |
| Annual Health Checkup |
|---|
Active Fit Preferred Once every policy year |
VS VS |
Max Protect Premium Not offered |
| Pre-Hospitalisation |
|---|
Active Fit Preferred 90 days |
VS VS |
Max Protect Premium 60 days before hospitalisation. Kindly confirm. |
| Post-Hospitalisation |
|---|
Active Fit Preferred 180 days |
VS VS |
Max Protect Premium 180 days after discharge. Kindly confirm. |
| Outpatient Department Cover (OPD Expense) |
|---|
Active Fit Preferred Optional cover |
VS VS |
Max Protect Premium Not covered. Doctor consultations are not covered. |
| Deductible Option |
|---|
Active Fit Preferred Not established as a standard inbuilt benefit |
VS VS |
Max Protect Premium Kindly refer to policy wording. |
| Coverage Options |
|---|
Active Fit Preferred Individual, multi-individual, family floater structure as applicable. |
VS VS |
Max Protect Premium ₹1 crore base cover. Room rent modifier and PED reduction add-ons available. |
| Claim Settlement Ratio |
|---|
Active Fit Preferred 97% |
VS VS |
Max Protect Premium FY 24-25: ~84% |
| Maternity Cover |
|---|
Active Fit Preferred Yes, 40,000 normal/60,000 C-section. |
VS VS |
Max Protect Premium Not offered |
Insurance Plans Comparison
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Insurance Plans Comparison
Explore Insurance Category
Senior Citizen Health Plan
Secure against age-related medical costs
Tailored for seniors healthcare needs
Most Popular
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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