How does OneAssure help me compare health insurance policies and choose the best plan?

OneAssure allows you to compare multiple health insurance policies side by side, analyzing coverage, premiums, hospital networks, and benefits to choose the most suitable plan for your needs.

What is the difference between cashless and reimbursement claims in health insurance policies?

Cashless claims let you get treatment at network hospitals without paying upfront, while reimbursement claims require you to pay first and get refunded later.

Does OneAssure provide expert guidance while selecting health insurance with maternity or newborn coverage?

Yes, OneAssure’s insurance experts guide you in selecting plans with maternity benefits, newborn cover, and short waiting periods for family planning needs.

How do co-payment clauses impact health insurance premiums and claim settlements?

Co-payment means you share a part of the claim cost. Opting for co-pay lowers your premium but increases your out-of-pocket expenses.

Which health insurance plan offers the best coverage for critical illnesses and pre-existing diseases?

Plans with comprehensive coverage, minimal waiting periods, and optional critical illness riders are ideal. OneAssure helps identify policies that best meet these requirements.

Can I compare waiting periods and sub-limits for hospitalisation expenses on OneAssure?

Yes, OneAssure’s comparison tool highlights waiting periods, sub-limits, and exclusions so you can choose a policy that maximizes benefits and minimizes restrictions.

What are room rent limits in health insurance, and how do they affect claims?

Room rent limits cap the daily room cost covered by your insurer. Choosing a plan without strict limits ensures higher claim payouts.

Does OneAssure assist with health insurance claims and renewals after I purchase a policy?

Absolutely. OneAssure provides end-to-end support for claims, renewals, and queries, ensuring a hassle-free experience throughout your policy tenure.

How can I check if a health insurance plan covers daycare procedures and modern treatments?

OneAssure’s policy comparison clearly lists daycare and advanced treatment coverage, helping you pick a plan aligned with your healthcare needs.

What documents are needed to buy and claim a health insurance policy online via OneAssure?

To buy a policy, you need ID proof, address proof, and medical details. For claims, hospital bills, prescriptions, and discharge summaries are required.

Oneassure

Health Insurance

Compare Health Insurance Plans

Activ One Max Vs Elevate

Insurance Plans Comparison

Aditya Birla Activ One Max vs ICICI Lombard Elevate

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare coverage, benefits, and premiums to find the perfect plan for your needs.

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

Activ One Max

What Makes It Special:

Aditya Birla Activ One MAX is an all-encompassing health insurance plan offering coverage from ₹2 lakh up to ₹6 crore, ideal for individuals and families. It includes unlimited room rent and hospitalisation expenses, Super Reload unlimited sum insured refills, Super Credit sum boosts up to 500%, and HealthReturns™ that reward...

Best For:

High-Sum Insured Premium Plan
Wellness Reward-Based Health Insurance
Unlimited Restoration Medical Coverage
Advanced Family Floater Protection

VS

Elevate

What Makes It Special:

ICICI Lombard’s Elevate health insurance policy is designed to provide comprehensive protection and flexibility. It covers hospitalisation, day-care treatments, pre- and post-hospitalisation expenses (90 to 180 days), AYUSH treatments, ambulance services (road and air), and even worldwide cashless hospitalisation. The policy offers unlimited reset of sum insured, 100% annual increase...

Best For:

Comprehensive All-Round Protection
Global Health Insurance Coverage
Advanced Critical Illness Cover
Tech-Enabled Seamless Support

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.

Name

Phone Number

Email

Your Enquiry

Name

Phone Number

Email

Your Enquiry

Quick Decision Guide

Aditya Birla Activ One Max

Ultra‑high coverage up to ₹6 crore
Unlimited super‑reload sum insured refills
HealthReturns™ rewards boost wellness savings
No room rent or co‑payment restrictions
Chronic care and enhanced add‑on protection

ICICI Lombard Elevate

You want global and all-round health coverage
You need CIBIL discount on good credit score
You need coverage on conditions like Asthma, BP, Cholesterol, Diabetes from Day 1
You need a good customer app which has a simplified claims experience
You need unlimited sum insured restoration benefits and high cumulative bonus

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Activ One Max

Health Insurance Plan

Brochure

Policy Wording

VS

Elevate

Health Insurance Plan

Brochure

Policy Wording

Room Rent
Activ One Max All room categories are covered	Elevate Single private AC room is included as part of base cover. However, you can opt for Room Modifier Add-on to upgrade or downgrade the room category (Option to modify room category)

ICU Charges
Activ One Max No restriction on ICU room rent	Elevate No restriction on ICU room rent

Co-payment
Activ One Max Available as an option	Elevate Available as an option

Disease-wise sublimits
Activ One Max No	Elevate No

Cashless Healthcare Providers
Activ One Max 11000+ Healthcare Providers	Elevate 10300+ Healthcare Providers

Restoration Benefit
Activ One Max Yes, your sum insured restores to 100% unlimited times after your second claim, for both related and unrelated illnesses	Elevate Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses (per claim in a policy year for related/unrelated illnesses)

Cumulative Bonus
Activ One Max Your sum insured increases by 100% every year up to 500%, maximum 3cr	Elevate Your sum insured increases by 20% every year maximum upto 100%. However, you can pay an additional premium to increase sum insured up to 100%, every year. (Option to boost coverage by 1x annually)

Daycare Treatment
Activ One Max Covers medical expenses for treatments not requiring 24-hour hospitalisation, up to your annual sum insured	Elevate Covers medical expenses for treatments not requiring 24-hour hospitalization, up to annual sum insured

Consumable Cover
Activ One Max Yes	Elevate No. However, available as an add-on

AYUSH Treatment
Activ One Max Covers AYUSH treatment expenses up to your annual sum insured during the policy period	Elevate Covers AYUSH treatment expenses up to your annual sum insured during the policy period

Initial Waiting Period
Activ One Max 30 days	Elevate 30 days

Specific Waiting Period
Activ One Max 2 years	Elevate 2 years

PED Waiting Period
Activ One Max 3 years	Elevate 3 years

Modern Treatment
Activ One Max Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period	Elevate Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Annual Health Checkup
Activ One Max Health check-up is available from the first policy year	Elevate Health checkup is not included as part of base cover. However, available as an add-on

Pre-Hospitalisation
Activ One Max You get cover for medical tests and doctor visits up to 90 days before hospitalisation, if your main claim is approved	Elevate You get cover for medical tests and doctor visits up to 90 days before hospitalisation, if your main claim is approved

Post-Hospitalisation
Activ One Max You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it	Elevate You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it.

Outpatient Department Cover (OPD Expense)
Activ One Max OPD expense is not included	Elevate OPD expense is not included as part of base cover. However, available as an add-on

Deductible Option
Activ One Max Available as an option	Elevate Not available

Coverage Options
Activ One Max Available coverage options: ₹5L, ₹7L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr and ₹2 Cr	Elevate Available sum insured options: ₹5L, ₹7.5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹1 Cr, ₹3 Cr and unlimited sum insured

Claim Settlement Ratio
Activ One Max 96%	Elevate 97.16%

Maternity Cover
Activ One Max Not available	Elevate No. However, available as an add-on.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Activ One Max

Health Insurance Plan

Brochure

Policy Wording

VS

Elevate

Health Insurance Plan

Brochure

Policy Wording

Room Rent
Activ One Max All room categories are covered
VS VS
Elevate Single private AC room is included as part of base cover. However, you can opt for Room Modifier Add-on to upgrade or downgrade the room category (Option to modify room category)

ICU Charges
Activ One Max No restriction on ICU room rent
VS VS
Elevate No restriction on ICU room rent

Co-payment
Activ One Max Available as an option
VS VS
Elevate Available as an option

Disease-wise sublimits
Activ One Max No
VS VS
Elevate No

Cashless Healthcare Providers
Activ One Max 11000+ Healthcare Providers
VS VS
Elevate 10300+ Healthcare Providers

Restoration Benefit
Activ One Max Yes, your sum insured restores to 100% unlimited times after your second claim, for both related and unrelated illnesses
VS VS
Elevate Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses (per claim in a policy year for related/unrelated illnesses)

Cumulative Bonus
Activ One Max Your sum insured increases by 100% every year up to 500%, maximum 3cr
VS VS
Elevate Your sum insured increases by 20% every year maximum upto 100%. However, you can pay an additional premium to increase sum insured up to 100%, every year. (Option to boost coverage by 1x annually)

Daycare Treatment
Activ One Max Covers medical expenses for treatments not requiring 24-hour hospitalisation, up to your annual sum insured
VS VS
Elevate Covers medical expenses for treatments not requiring 24-hour hospitalization, up to annual sum insured

Consumable Cover
Activ One Max Yes
VS VS
Elevate No. However, available as an add-on

AYUSH Treatment
Activ One Max Covers AYUSH treatment expenses up to your annual sum insured during the policy period
VS VS
Elevate Covers AYUSH treatment expenses up to your annual sum insured during the policy period

Initial Waiting Period
Activ One Max 30 days
VS VS
Elevate 30 days

Specific Waiting Period
Activ One Max 2 years
VS VS
Elevate 2 years

PED Waiting Period
Activ One Max 3 years
VS VS
Elevate 3 years

Modern Treatment
Activ One Max Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period
VS VS
Elevate Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Annual Health Checkup
Activ One Max Health check-up is available from the first policy year
VS VS
Elevate Health checkup is not included as part of base cover. However, available as an add-on

Pre-Hospitalisation
Activ One Max You get cover for medical tests and doctor visits up to 90 days before hospitalisation, if your main claim is approved
VS VS
Elevate You get cover for medical tests and doctor visits up to 90 days before hospitalisation, if your main claim is approved

Post-Hospitalisation
Activ One Max You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it
VS VS
Elevate You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it.

Outpatient Department Cover (OPD Expense)
Activ One Max OPD expense is not included
VS VS
Elevate OPD expense is not included as part of base cover. However, available as an add-on

Deductible Option
Activ One Max Available as an option
VS VS
Elevate Not available

Coverage Options
Activ One Max Available coverage options: ₹5L, ₹7L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr and ₹2 Cr
VS VS
Elevate Available sum insured options: ₹5L, ₹7.5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹1 Cr, ₹3 Cr and unlimited sum insured

Claim Settlement Ratio
Activ One Max 96%
VS VS
Elevate 97.16%

Maternity Cover
Activ One Max Not available
VS VS
Elevate No. However, available as an add-on.

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.

Name

Phone Number

Email

Your Enquiry

Name

Phone Number

Email

Your Enquiry

Why Choose Our Expert Consultation?

End-to-End Support

From choosing the right policy to managing claims, every step is handled for you

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

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

24/7 Claim Assistance

Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

End-to-End Support

From choosing the right policy to managing claims, every step is handled for you

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

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

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

Secure against age-related medical costs
Tailored for seniors healthcare needs

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

Senior Citizen Health Plan

Secure against age-related medical costs
Tailored for seniors healthcare needs

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.

1-5 of 10 FAQs

Explore Our Most Popular Plans

ICICI Lombard Elevate

Tata AIG Medicare Premier

HDFC ERGO My Optima Secure

Care Health Supreme

Niva Bupa Reassure 2.0

Tata AIG Medicare Select Plan

Niva Bupa Aspire Titanium Plus

Bajaj Allianz My Healthcare Plan

Star Health Women

Bajaj Allianz Health Ensure

Niva Bupa Health Companion

Care Health Ultimate

ICICI Lombard Elevate

Tata AIG Medicare Premier

HDFC ERGO My Optima Secure

Care Health Supreme

Niva Bupa Reassure 2.0

Compare With Other Health Insurance Plans

Activ One Max vs Supreme (Direct)

Activ One Max vs Senior First Gold Plan

Activ One Max vs Activ One VIP

Activ One Max vs Optima Secure Global Plus

Activ One Max vs Health Recharge Super Top Up Plan

Activ One Max vs Plus Complete

Activ One Max vs EquiCover

Activ One Max vs Plus Youth

Activ One Max vs Optima Lite

Activ One Max vs Supreme Senior Premium

Activ One Max vs myHealth Suraksha Platinum

Activ One Max vs Supreme Senior Super

Activ One Max vs myHealth Suraksha Gold

Activ One Max vs LifeTime Health Global

Activ One Max vs Optima Super Secure

Activ One Max vs Young Star Gold

Activ One Max vs myHealth Koti Suraksha

Activ One Max vs myHealth Suraksha Silver

Activ One Max vs Cancer Care Platinum

Activ One Max vs Royal Sundaram Lifeline Elite

Activ One Max vs Cancer Cover Activ Cancer Secure Plan

Activ One Max vs Assure

Activ One Max vs Activate Booster Plan A

Activ One Max vs Joy Today

Activ One Max vs Medicare Plus

Activ One Max vs Supreme Enhance One

Activ One Max vs Supreme Enhance Two

Activ One Max vs Health Companion Variant 2022

Activ One Max vs Elder Care

Activ One Max vs HeartBeat Gold

Activ One Max vs Health SuperCharge

Activ One Max vs ProHealth Preferred

Activ One Max vs iHealth Plus

Activ One Max vs Optima Secure Plus

Activ One Max vs HeartBeat Enhanced

Activ One Max vs Activ One VIP+

Activ One Max vs Reassure 3.0 Select

Activ One Max vs ProHealth Prime Advantage

Activ One Max vs Active Fit Preferred

Activ One Max vs Senior Health Advantage

Activ One Max vs Reassure 3.0 Elite

Activ One Max vs Medicare Premier

Activ One Max vs Reassure 2.0 Platinum+

Activ One Max vs Health Wallet

Activ One Max vs Elevate

Activ One Max vs Activ One Vytl

Activ One Max vs Heart

Activ One Max vs Optima Secure

Activ One Max vs Reassure 2.0 Titanium+

Activ One Max vs ProHealth Prime Protect

Activ One Max vs LifeTime Health

Activ One Max vs ProHealth Prime Active

Activ One Max vs ProHealth Prime Senior Elite

Activ One Max vs Advanced Top Up

Activ One Max vs Multiplier Health

Activ One Max vs Joy Tomorrow

Activ One Max vs Reassure 2.0 Bronze+

Activ One Max vs Supreme

Activ One Max vs Advantage

Activ One Max vs Star Women Care Policy

Activ One Max vs Young Star Silver

Activ One Max vs Activate Booster Plan B

Activ One Max vs Reassure 3.0

Activ One Max vs Joy

Activ One Max vs Ultimate (Direct)

Activ One Max vs Supreme Senior Health AdvantEdge

Activ One Max vs Activ One SAVR

Activ One Max vs Optima Insurance

Activ One Max vs Medicare Premier Plan

Activ One Max vs Activ Health Platinum Essential

Activ One Max vs Health Care Supreme Ultimo

Activ One Max vs Health Shield 360 Retail

Activ One Max vs Health Guard Platinum

Activ One Max vs Health Guard Gold

Activ One Max vs Medicare Senior

Activ One Max vs Supreme Super Saver

Activ One Max vs Extra Care Plus Super Top-up

Activ One Max vs Medi Classic Gold

Activ One Max vs Smart Health Pro

Activ One Max vs Super Star

Activ One Max vs Special Care

Activ One Max vs Medicare LITE

Activ One Max vs Senior First Gold

Activ One Max vs Health Shield 360

Activ One Max vs Senior First Platinum

Activ One Max vs SecureHealth

Activ One Max vs Optima Secure Global

Activ One Max vs NextGen

Activ One Max vs Mediclaim Insurance Policy

Activ One Max vs Health Insurance Platinum

Activ One Max vs Energy Silver With Copay

Activ One Max vs Supreme (Direct)

Activ One Max vs Senior First Gold Plan

Activ One Max vs Activ One VIP

Activ One Max vs Optima Secure Global Plus

Activ One Max vs Health Recharge Super Top Up Plan

Elevate vs Supreme (Direct)

Elevate vs Senior First Gold Plan

Elevate vs Activ One VIP

Elevate vs Optima Secure Global Plus

Elevate vs Health Recharge Super Top Up Plan

Elevate vs Plus Complete

Elevate vs EquiCover

Elevate vs Plus Youth

Elevate vs Optima Lite

Elevate vs Supreme Senior Premium

Elevate vs myHealth Suraksha Platinum

Elevate vs Supreme Senior Super

Elevate vs myHealth Suraksha Gold

Elevate vs LifeTime Health Global

Elevate vs Optima Super Secure

Elevate vs Young Star Gold

Elevate vs myHealth Koti Suraksha

Elevate vs myHealth Suraksha Silver

Elevate vs Cancer Care Platinum

Elevate vs Royal Sundaram Lifeline Elite

Elevate vs Cancer Cover Activ Cancer Secure Plan

Elevate vs Assure

Elevate vs Activate Booster Plan A

Elevate vs Joy Today

Elevate vs Medicare Plus

Elevate vs Supreme Enhance One

Elevate vs Supreme Enhance Two

Elevate vs Health Companion Variant 2022

Elevate vs Elder Care

Elevate vs HeartBeat Gold

Elevate vs Health SuperCharge

Elevate vs ProHealth Preferred

Elevate vs iHealth Plus

Elevate vs Optima Secure Plus

Elevate vs HeartBeat Enhanced

Elevate vs Activ One VIP+

Elevate vs Reassure 3.0 Select

Elevate vs ProHealth Prime Advantage

Elevate vs Active Fit Preferred

Elevate vs Senior Health Advantage

Elevate vs Reassure 3.0 Elite

Elevate vs Medicare Premier

Elevate vs Reassure 2.0 Platinum+

Elevate vs Activ One Max

Elevate vs Health Wallet

Elevate vs Activ One Vytl

Elevate vs Heart

Elevate vs Optima Secure

Elevate vs Reassure 2.0 Titanium+

Elevate vs ProHealth Prime Protect

Elevate vs LifeTime Health

Elevate vs ProHealth Prime Active

Elevate vs ProHealth Prime Senior Elite

Elevate vs Advanced Top Up

Elevate vs Multiplier Health

Elevate vs Joy Tomorrow

Elevate vs Reassure 2.0 Bronze+

Elevate vs Supreme

Elevate vs Advantage

Elevate vs Star Women Care Policy

Elevate vs Young Star Silver

Elevate vs Activate Booster Plan B

Elevate vs Reassure 3.0

Elevate vs Joy

Elevate vs Ultimate (Direct)

Elevate vs Supreme Senior Health AdvantEdge

Elevate vs Activ One SAVR

Elevate vs Optima Insurance

Elevate vs Medicare Premier Plan

Elevate vs Activ Health Platinum Essential

Elevate vs Health Care Supreme Ultimo

Elevate vs Health Shield 360 Retail

Elevate vs Health Guard Platinum

Elevate vs Health Guard Gold

Elevate vs Medicare Senior

Elevate vs Supreme Super Saver

Elevate vs Extra Care Plus Super Top-up

Elevate vs Medi Classic Gold

Elevate vs Smart Health Pro

Elevate vs Super Star

Elevate vs Special Care

Elevate vs Medicare LITE

Elevate vs Senior First Gold

Elevate vs Health Shield 360

Elevate vs Senior First Platinum

Elevate vs SecureHealth

Elevate vs Optima Secure Global

Elevate vs NextGen

Elevate vs Mediclaim Insurance Policy

Elevate vs Health Insurance Platinum

Elevate vs Energy Silver With Copay

Elevate vs Supreme (Direct)

Elevate vs Senior First Gold Plan

Elevate vs Activ One VIP

Elevate vs Optima Secure Global Plus

Elevate vs Health Recharge Super Top Up Plan

Related Blogs

Making Health Insurance Affordable: Is EMI Really the Best Way?

February 4, 2026 | OneAssure Team

Insurance in 2026: Great for Your Wallet, But What’s Still Missing?

February 1, 2026 | OneAssure Team

How India’s Budget 2026 Could Shape the Future of Insurance - A Young Earner’s Guide.

February 1, 2026 | OneAssure Team

Tips To Choose The Best Health Insurance Plan

November 17, 2025 | Mahak Chauhan

Pre-Existing Disease in Health Insurance: All You Need to Know Before Buying

November 17, 2025 | Mahak Chauhan

Family Floater Plans: A Quick Overview

November 16, 2025 | Mahak Chauhan

ICICI Elevate vs Care Supreme: Which Health Plan Offers Better Coverage in 2025?

September 25, 2025 | OneAssure Team

Making Health Insurance Affordable: Is EMI Really the Best Way?

February 4, 2026 | OneAssure Team

Insurance in 2026: Great for Your Wallet, But What’s Still Missing?

February 1, 2026 | OneAssure Team

How India’s Budget 2026 Could Shape the Future of Insurance - A Young Earner’s Guide.

February 1, 2026 | OneAssure Team

Tips To Choose The Best Health Insurance Plan

November 17, 2025 | Mahak Chauhan

Pre-Existing Disease in Health Insurance: All You Need to Know Before Buying

November 17, 2025 | Mahak Chauhan

Family Floater Plans: A Quick Overview

November 16, 2025 | Mahak Chauhan

ICICI Elevate vs Care Supreme: Which Health Plan Offers Better Coverage in 2025?

September 25, 2025 | OneAssure Team

Oneassure

Health Insurance

Compare Health Insurance Plans

Activ One Max Vs Elevate