Insurance Plans Comparison
Aditya Birla Active Fit Preferred vs ICICI Lombard Health Elite
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreActive 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
Health Elite
Include maternity after 3 years and outpatient treatment, pay hospital daily cash for a stay of at least 3 days, and add a 10% cumulative bonus each claim-free year, up to 50% of the sum insured.
What Makes It Special:
ICICI Lombard Health Elite is a comprehensive health insurance option with benefits that may include in-patient treatment, daycare procedures, pre- and post-hospitalisation expenses, outpatient treatment and maternity cover, depending on the applicable policy version and selected configuration.
Best For:
Buyers comparing sum insured options, reset benefits, waiting periods and policy-specific restrictions before choosing a plan.
Families evaluating maternity and newborn-related benefits, subject to eligibility and waiting periods.
Individuals who want to compare available outpatient treatment benefits and their applicable limits.
Buyers looking for a policy with additional healthcare benefits beyond basic hospitalisation cover.
Individuals seeking health insurance for eligible hospitalisation and daycare expenses.
Insurance Plans Comparison
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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.
Match the policy UIN and schedule to the exact Health Elite version being offered, because benefits may differ between versions.
Confirm whether outpatient treatment, maternity and newborn benefits are included in your chosen configuration and check their limits.
Review waiting periods for pre-existing diseases, specified treatments and maternity benefits before relying on the policy.
Check room eligibility, hospitalisation limits and exclusions to understand the expenses the policy may leave you paying.
Choose a sum insured that reflects potential hospitalisation expenses and the number of people covered.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Active Fit Preferred Health Insurance Plan VS VS |
![]() Health Elite Health Insurance Plan |
| Room Rent |
|---|
Active Fit Preferred Any room for sum insured 5 lakh and above. |
VS VS |
Health Elite Information Unavailable |
| ICU Charges |
|---|
Active Fit Preferred No capping, covered up to sum insured. |
VS VS |
Health Elite Covered under eligible in-patient hospitalisation, subject to the applicable sum insured and policy conditions. |
| Advanced Treatments |
|---|
Active Fit Preferred Information Unavailable |
VS VS |
Health Elite
|
| Co-payment |
|---|
Active Fit Preferred No. |
VS VS |
Health Elite Policyholders can opt for a co-payment of 10% or 20%, sharing a fixed percentage of the claim amount, which can help reduce premium costs. |
| Disease-wise sublimits |
|---|
Active Fit Preferred No broad disease sublimit identified; subject to policy terms. |
VS VS |
Health Elite Specific limits depend on the applicable policy wording, sum insured and benefit configuration. A complete variant-specific list has not been verified. |
| Cashless Healthcare Providers |
|---|
Active Fit Preferred 16,500 + current insurer network |
VS VS |
Health Elite Access to over 6,700 network hospitals and clinics for cashless treatments, ensuring convenient and hassle-free medical care. |
| Restoration Benefit |
|---|
Active Fit Preferred Binge refill - 100% sum insured, unlimited times |
VS VS |
Health Elite Published Health Elite materials list an unlimited reset benefit. The precise trigger, eligible claims and conditions must be confirmed against the applicable policy wording. |
| Cumulative Bonus |
|---|
Active Fit Preferred 10% per year, up to 100% |
VS VS |
Health Elite Published Health Elite materials list Additional Sum Insured and a Super No Claim Bonus option. The applicable benefit percentage and conditions are not verified for this variant. |
| Daycare Treatment |
|---|
Active Fit Preferred All day care treatments covered up to sum insured. |
VS VS |
Health Elite Covers medical procedures requiring less than 24-hour hospitalization, such as cataract surgery and chemotherapy, accommodating treatments that don't necessitate extended hospital stays. |
| Consumable Cover |
|---|
Active Fit Preferred Optional/subject to applicable cover |
VS VS |
Health Elite Published Health Elite materials list Additional Sum Insured and a Super No Claim Bonus option. The applicable benefit percentage and conditions are not verified for this variant. |
| AYUSH Treatment |
|---|
Active Fit Preferred Covered up to sum insured |
VS VS |
Health Elite Expenses for alternative treatments, including Ayurveda, Yoga, Unani, Siddha, and Homeopathy, are covered when availed at government-recognized institutions, promoting holistic healthcare options. |
| Initial Waiting Period |
|---|
Active Fit Preferred 30 days |
VS VS |
Health Elite The insurer's general health insurance information states 30 days for illness-related hospitalisation, except accidents. Confirm the exact Health Elite policy terms. |
| Specific Waiting Period |
|---|
Active Fit Preferred 24 months |
VS VS |
Health Elite The exact waiting period for specified diseases and procedures is not verified for this variant. |
| PED Waiting Period |
|---|
Active Fit Preferred 48 months |
VS VS |
Health Elite The exact waiting period for specified diseases and procedures is not verified for this variant. |
| Modern Treatment |
|---|
Active Fit Preferred Covered up to sum insured. |
VS VS |
Health Elite Listed as a covered category in the older Complete Health Insurance policy information, subject to the applicable policy terms and limits. |
| Annual Health Checkup |
|---|
Active Fit Preferred Once every policy year |
VS VS |
Health Elite Health check-up is listed in published Health Elite materials. Eligibility, frequency and monetary limits are not verified for this exact variant. |
| Pre-Hospitalisation |
|---|
Active Fit Preferred 90 days |
VS VS |
Health Elite Up to 30 days according to the published Health Elite product comparison, subject to policy terms. |
| Post-Hospitalisation |
|---|
Active Fit Preferred 180 days |
VS VS |
Health Elite Up to 60 days according to the published Health Elite product comparison, subject to policy terms. |
| Outpatient Department Cover (OPD Expense) |
|---|
Active Fit Preferred Optional cover |
VS VS |
Health Elite Outpatient Treatment Cover is listed in published Health Elite materials. The limit depends on the applicable sum insured and policy configuration. |
| Deductible Option |
|---|
Active Fit Preferred Not established as a standard inbuilt benefit |
VS VS |
Health Elite A voluntary deductible may be available under applicable ICICI Lombard health products, but its availability for this Health Elite variant is not verified. |
| Coverage Options |
|---|
Active Fit Preferred Individual, multi-individual, family floater structure as applicable. |
VS VS |
Health Elite Information Unavailable |
| Claim Settlement Ratio |
|---|
Active Fit Preferred 97% |
VS VS |
Health Elite FY 24-25: ~84% |
| Maternity Cover |
|---|
Active Fit Preferred Yes, 40,000 normal/60,000 C-section. |
VS VS |
Health Elite Published materials list multiple sum insured options, including ₹5 lakh, ₹7 lakh, ₹10 lakh, ₹15 lakh, ₹20 lakh, ₹25 lakh and ₹50 lakh. Availability varies by policy version. |
Insurance Plans Comparison
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