Oneassure

Partner with us

Insurance Plans Comparison

Aditya Birla Activ One SAVR vs ICICI Lombard Max Protect Premium

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

Read more
Aditya Birla

Activ One SAVR

Add 100% super credit every year, up to 500% of base sum insured, capped at ₹3 crore, even after a claim, with unlimited refills from the second claim and ₹500 daily hospital cash for a parent for 30 days.

What Makes It Special:

Activ One is designed for those who want comprehensive coverage without restrictions. It offers extensive coverage for modern treatments and innovative features.

Best For:

  • Not available
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 Activ One SAVR

Not available

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

Activ One SAVR
Activ One SAVR

Health Insurance Plan

Brochure

Policy Wording

VS
Max Protect Premium
Max Protect Premium

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Activ One SAVR

Covered up to base sum insured

VS

Max Protect Premium

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

ICU Charges

Activ One SAVR

Covered up to base sum insured.

VS

Max Protect Premium

Kindly refer to policy wording

Co-payment

Activ One SAVR

No zone-wise co-payment.

VS

Max Protect Premium

Kindly refer to policy wording.

Disease-wise sublimits

Activ One SAVR

No cap on major treatments.

VS

Max Protect Premium

Kindly refer to the policy wording.

Cashless Healthcare Providers

Activ One SAVR

16,500 + current insurer network

VS

Max Protect Premium

14,000+ cashless network hospitals

Restoration Benefit

Activ One SAVR

100% base sum insured is reinstated instantly upon exhaustion, usable unlimited times per policy year for both same or different illnesses under super reload.

VS

Max Protect Premium

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

Cumulative Bonus

Activ One SAVR

Super credit structure is present.

VS

Max Protect Premium

Kindly review the policy wording.

Daycare Treatment

Activ One SAVR

Covered

VS

Max Protect Premium

Kindly refer to the policy wording.

Consumable Cover

Activ One SAVR

Claim protect is present.

VS

Max Protect Premium

Kindly refer to policy wording.

AYUSH Treatment

Activ One SAVR

Full coverage for inpatient hospital admissions in recognised Ayurveda, Yoga, Unani, Siddha, and Homoeopathy medical facilities up to sum insured

VS

Max Protect Premium

Kindly refer to policy wording.

Initial Waiting Period

Activ One SAVR

30 days

VS

Max Protect Premium

30 DAYS

Specific Waiting Period

Activ One SAVR

24 months

VS

Max Protect Premium

Kindly refer to policy wording.

PED Waiting Period

Activ One SAVR

36 months

VS

Max Protect Premium

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

Modern Treatment

Activ One SAVR

Covered up to base sum insured.

VS

Max Protect Premium

Covered. Kindly consult for limits.

Annual Health Checkup

Activ One SAVR

Once every policy year

VS

Max Protect Premium

Not offered

Pre-Hospitalisation

Activ One SAVR

90 days

VS

Max Protect Premium

60 days before hospitalisation. Kindly confirm.

Post-Hospitalisation

Activ One SAVR

180 days

VS

Max Protect Premium

180 days after discharge. Kindly confirm.

Outpatient Department Cover (OPD Expense)

Activ One SAVR

Chronic care programme is present as an optional add-on, where outpatient doctor consultation, e-consults, and diagnostic tests specifically for managed conditions are present

VS

Max Protect Premium

Not covered. Doctor consultations are not covered.

Deductible Option

Activ One SAVR

Available

VS

Max Protect Premium

Kindly refer to policy wording.

Coverage Options

Activ One SAVR

Available as individual and floater

VS

Max Protect Premium

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

Claim Settlement Ratio

Activ One SAVR

97% insurer level FY 2025-26

VS

Max Protect Premium

FY 24-25: ~84%

Maternity Cover

Activ One SAVR

Not covered under standard policy structure.

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

Compare With Other Health Insurance Plans

Activ One SAVR vs Supreme Senior Premium

Activ One SAVR vs Energy Silver Without Copay

Activ One SAVR vs Ultimate

Activ One SAVR vs EquiCover

Activ One SAVR vs Optima Secure Global Plus

Max Protect Premium vs Supreme Senior Premium

Max Protect Premium vs Energy Silver Without Copay

Max Protect Premium vs Ultimate

Max Protect Premium vs EquiCover

Max Protect Premium vs Optima Secure Global Plus

Oneassure

Health Insurance

Compare Health Insurance Plans

Activ One Savr Vs Max Protect Premium

Policy Pal

Chat with PolicyPal

Get a free policy review

No pressure. No product push. Just honest advice.