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Insurance Plans Comparison

ICICI Lombard Elevate (Direct) vs Aditya Birla Active Care Premier

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

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ICICI Lombard

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.

VS
Aditya Birla

Active Care Premier

Aditya Birla Activ Care Premiere

What Makes It Special:

Activ Care Premier is a senior citizen-focused health plan from Aditya Birla that upgrades classic senior cover with a Single Private Room, consumables coverage,and home care support, all with a shorter 2-year PED waiting period.

Best For:

  • Those looking for wellness-linked premium rewards

  • Buyers who prefer treatment at home through home care and domiciliary options

  • Those wanting a private room during hospitalisation

  • People managing chronic conditions like diabetes or hypertension

  • Senior citizens aged 46 to75 years

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

ICICI Lombard Elevate (Direct)

  • 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.

Aditya Birla Active Care Premier

  • Check the 20% co-payment and disease-wise sub-limits carefully before purchase

  • May not suit buyers wanting in-built OPD coverage

  • Suitable for buyers who value home nursing and domiciliary care options

  • Useful for people who want consumables coverage in the base plan

  • Good option if you're a senior wanting private-room comfort with a 2-year PED waiting period

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Elevate (Direct)
Elevate (Direct)

Health Insurance Plan

Brochure

Policy Wording

VS
Active Care Premier
Active Care Premier

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Elevate (Direct)

Room eligibility depends on selected plan; Room Modifier add-on for eligible SI amounts.

VS

Active Care Premier

Single Private Room. ICU charges covered up to the Sum Insured.

ICU Charges

Elevate (Direct)

Covered as per applicable policy terms and eligible room category.

VS

Active Care Premier

Covered up to the Sum Insured.

Co-payment

Elevate (Direct)

Voluntary co-payment available as optional cover.

VS

Active Care Premier

20% co-payment applies on admissible claims.

Disease-wise sublimits

Elevate (Direct)

Not Available.

VS

Active Care Premier

Certain treatments carry sub-limits — including domiciliary hospitalisationcapped at10% of Sum Insured,and organ donor expenses up to50% of Sum Insured.

Cashless Healthcare Providers

Elevate (Direct)

Network hospitals plus Cashless Everywhere option for any hospital in India.

VS

Active Care Premier

Cashless treatment available at 11,000+ network hospitals across India.

Restoration Benefit

Elevate (Direct)

Reset Benefit restores SI for future claims; unlimited resets per year.

VS

Active Care Premier

100% of the Sum Insured is restored for subsequent hospitalisations due to a different illnessin the same policy year.

Daycare Treatment

Elevate (Direct)

Eligible day-care procedures covered under base plan.

VS

Active Care Premier

586 daycare procedures covered, even when hospitalisationis less than24 hours.

Cumulative Bonus

Elevate (Direct)

Loyalty Bonus: guaranteed 20% annual SI increase, up to 100% maximum.

VS

Active Care Premier

Earn 10% of Base Sum Insured per claim-free year, accumulating up to a maximum of 50%.

Consumable Cover

Elevate (Direct)

Covered under Claim Protector add-on for specified items (gloves, syringes, masks)

VS

Active Care Premier

Covered in the base plan, including non-medical consumables used during hospitalisation.

AYUSH Treatment

Elevate (Direct)

In-patient AYUSH hospitalisation covered up to applicable SI

VS

Active Care Premier

Covered for listed AYUSH treatments, subject to policy terms.

Initial Waiting Period

Elevate (Direct)

30 days from policy start for specified illnesses.

VS

Active Care Premier

30 days from policy inception for general illnesses. Accidental hospitalisationis covered from day 1.

Specific Waiting Period

Elevate (Direct)

24 months for specified diseases.

VS

Active Care Premier

2 years for listed specific illnesses and procedures.

PED Waiting Period

Elevate (Direct)

36 months for pre-existing diseases.

VS

Active Care Premier

2 years for pre-existing diseases — a shorter-than-usual waiting period, helpful for seniors managing chronic conditions.

Modern Treatment

Elevate (Direct)

Covers modern treatments as specified per policy with applicable per-treatment conditions.

VS

Active Care Premier

Covered for listed modern treatment methods, subject to the policy's list of covered procedures.

Annual Health Checkup

Elevate (Direct)

Optional cover with cashless package worth up to 0.5% of SI (max ₹5,000).

VS

Active Care Premier

Available as an add-on — the Advanced Health Check-up covers additional tests like mammography, PAP smear, thyroid function test, TMT, chest X-ray,and abdominal sonography on a cashless basis.

Pre-Hospitalisation

Elevate (Direct)

Up to 90 days before hospitalisation for eligible expenses.

VS

Active Care Premier

Pre-hospitalisation medical expenses covered for30 days prior to hospitalisation.

Post-Hospitalisation

Elevate (Direct)

Up to 180 days after hospitalisation for eligible expenses.

VS

Active Care Premier

Post-hospitalisation medical expenses covered for60 days following discharge.

Outpatient Department Cover (OPD Expense)

Elevate (Direct)

Available via optional BeFit benefit for cashless OPD, pharmacy, physiotherapy, diagnostics.

VS

Active Care Premier

Not covered in the base plan. Tele-OPD e-consultationsare available as an add-on.

Deductible Option

Elevate (Direct)

Voluntary deductible available as optional cover.

VS

Active Care Premier

Not a core feature of this variant — verify availability from the policy wordings.

Coverage Options

Elevate (Direct)

Flexible SI options including unlimited sum insured option.

VS

Active Care Premier

Sum Insured options from ₹3 lakh up to ₹10 lakh, designed for senior citizens.

Claim Settlement Ratio

Elevate (Direct)

Not publicly specified on official product page.

VS

Active Care Premier

Aditya Birla Health Insurance reports a 96% claim settlement ratio(3-year average.

Maternity Cover

Elevate (Direct)

Optional add-on for normal/C-section deliveries: up to 10% SI (max ₹1L) after 24 months WP.

VS

Active Care Premier

Not available in this plan.

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?

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Talk to experienced advisors at no cost, and make confident decisions

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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.

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