Insurance Plans Comparison
Aditya Birla Activ One SAVR vs ICICI Lombard Health Booster
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreActiv 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
Health Booster
Buy a super top-up that pays hospital bills above a deductible of ₹3 lakh, ₹4 lakh or ₹5 lakh, with a sum insured from ₹5 lakh to ₹50 lakh, inpatient AYUSH cover and a once-a-year reset for an unrelated illness.
What Makes It Special:
Health Booster is a deductible-based health insurance product designed to provide additional financial protection when eligible hospitalisation expenses exceed the selected deductible. Its value depends on the relationship between the deductible, the available sum insured and the coverage provided by the policyholder's primary health insurance. Waiting periods, eligible expenses, exclusions...
Best For:
People who are comfortable checking waiting periods, exclusions and deductible conditions before purchasing additional cover.
Buyers comparing a top-up plan with a super top-up plan who want to understand how the deductible is applied to claims.
Families looking to increase their overall potential health insurance protection without relying entirely on a single base policy.
Buyers who can manage expenses up to the deductible and want cover for eligible expenses above that amount.
People who already have health insurance and want additional protection against large medical bills.
Insurance Plans Comparison
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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
Not available
Before buying, compare the premium, deductible, sum insured and claim conditions with the cost of increasing your existing base policy.
If you expect to claim for a specific treatment, verify that the treatment is covered and that its waiting period and exclusions are satisfied.
If you have a pre-existing disease, check that it has been disclosed and accepted and understand the applicable waiting period before relying on the cover.
If you may have several hospitalisation claims in one year, confirm whether the deductible applies per claim or on an aggregate basis under your specific policy version.
If you already have a base health policy, compare its sum insured with the Health Booster deductible to identify any potential coverage gap.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Activ One SAVR Health Insurance Plan VS VS |
![]() Health Booster Health Insurance Plan |
| Room Rent |
|---|
Activ One SAVR Covered up to base sum insured |
VS VS |
Health Booster
|
| ICU Charges |
|---|
Activ One SAVR Covered up to base sum insured. |
VS VS |
Health Booster Information Unavailable |
| Advanced Treatments |
|---|
Activ One SAVR Information Unavailable |
VS VS |
Health Booster
|
| Co-payment |
|---|
Activ One SAVR No zone-wise co-payment. |
VS VS |
Health Booster This does not apply if the insured is 60 years of age or below. However, this condition will not be applicable if you were aged 45 years or below at the time of buying this policy for the first time and have renewed it continuously after that. |
| Disease-wise sublimits |
|---|
Activ One SAVR No cap on major treatments. |
VS VS |
Health Booster No comprehensive disease-wise sublimit list has been confirmed for the referenced policy wording. Check the policy schedule and applicable benefit conditions. |
| Cashless Healthcare Providers |
|---|
Activ One SAVR 16,500 + current insurer network |
VS VS |
Health Booster 10,896 cashless healthcare |
| 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 VS |
Health Booster Information Unavailable |
| Cumulative Bonus |
|---|
Activ One SAVR Super credit structure is present. |
VS VS |
Health Booster Additional Sum Insured increases by 10% of the base sum insured for each claim-free policy year, up to 50%. A claim in a subsequent policy period reduces the accrued amount by 10% of the sum insured at renewal. |
| Daycare Treatment |
|---|
Activ One SAVR Covered |
VS VS |
Health Booster 150 medical expenses incurred by you while undergoing Specified Day Care Treatment, which require less than 24 hours hospitalization are covered by the policy. |
| Consumable Cover |
|---|
Activ One SAVR Claim protect is present. |
VS VS |
Health Booster Not verified as a standard benefit for this policy version. |
| 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 VS |
Health Booster Covered by the policy.. |
| Initial Waiting Period |
|---|
Activ One SAVR 30 days |
VS VS |
Health Booster Subject to policy wording and applicable exceptions. Confirm the applicable schedule before publishing a definitive duration. |
| Specific Waiting Period |
|---|
Activ One SAVR 24 months |
VS VS |
Health Booster 2 years for specified diseases and procedures, subject to policy terms. |
| PED Waiting Period |
|---|
Activ One SAVR 36 months |
VS VS |
Health Booster 2 years for pre-existing diseases declared and accepted by the insurer. |
| Modern Treatment |
|---|
Activ One SAVR Covered up to base sum insured. |
VS VS |
Health Booster Covered subject to the sum insured, deductible and policy terms. |
| Annual Health Checkup |
|---|
Activ One SAVR Once every policy year |
VS VS |
Health Booster Not confirmed for the policy wording referenced here. |
| Pre-Hospitalisation |
|---|
Activ One SAVR 90 days |
VS VS |
Health Booster Eligible medical expenses are covered for up to 60 days before hospitalisation, subject to policy terms. |
| Post-Hospitalisation |
|---|
Activ One SAVR 180 days |
VS VS |
Health Booster Eligible medical expenses are covered for up to 90 days after hospitalisation, subject to policy terms. |
| 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 VS |
Health Booster Routine outpatient consultations and treatment are not listed as a standard base-cover benefit. |
| Deductible Option |
|---|
Activ One SAVR Available |
VS VS |
Health Booster A deductible applies before eligible hospitalisation claims become payable. The selected amount and its application are specified in the policy schedule. Under the Super Top-up structure, the deductible applies to aggregate hospitalisation expenses during the policy year. |
| Coverage Options |
|---|
Activ One SAVR Available as individual and floater |
VS VS |
Health Booster Available as a Super Top-up health insurance plan, with the selected sum insured, deductible and individual or floater configuration specified in the policy schedule. |
| Claim Settlement Ratio |
|---|
Activ One SAVR 97% insurer level FY 2025-26 |
VS VS |
Health Booster FY 24-25: ~84% |
| Maternity Cover |
|---|
Activ One SAVR Not covered under standard policy structure. |
VS VS |
Health Booster Not listed as a standard benefit in the referenced policy wording. |
Insurance Plans Comparison
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