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Insurance Plans Comparison

ICICI Lombard Complete Health Insurance Health Shield vs Aditya Birla Active Assure Diamond

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

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ICICI Lombard

Complete Health Insurance Health Shield

Add 10% to the sum insured after every claim-free year, up to 50%, and cover organ-donor expenses up to ₹10 lakh, with domiciliary hospitalisation and air ambulance paid over and above the sum insured.

What Makes It Special:

Health Shield is a variant listed under ICICI Lombard Complete Health Insurance. Its benefits include inpatient hospitalisation, eligible daycare procedures, inpatient AYUSH treatment, pre- and post-hospitalisation expenses, and a reset benefit that can replenish eligible cover after previous claims. The policy also lists a cumulative bonus and wellness services. Coverage...

Best For:

  • Customers who may use the policy's wellness services and preventive health-check-up facilities.

  • Buyers who want eligible daycare and inpatient AYUSH treatment covered.

  • Customers who value a cumulative bonus for claim-free years.

  • Individuals or families comparing different base sum insured options.

  • Buyers looking for hospitalisation cover with a reset benefit for subsequent eligible claims.

VS
Aditya Birla

Active Assure Diamond

Reload up to 150% of the sum insured, capped at ₹50 lakh, for a later unrelated illness, and earn up to 30% of your premium as HealthReturns, with 586 listed day-care procedures covered.

What Makes It Special:

Activ Assure Diamond is a budget-friendly, new-age health plan from Aditya Birla that combines no-room-rent-capping coverage, modern treatment cover, wellness rewards, and a reload benefit of up to 150% of Sum Insured in one affordable package.

Best For:

  • Those wanting accidental and cancer hospitalisation boosters

  • Customers looking for modern treatment coverage like robotic surgeries and oral chemotherapy

  • People wanting wellness-linked premium rewards(HealthReturns™)

  • Buyers who want no capping on room rent for higher Sum Insured options

  • Families and individuals looking for affordable, comprehensive coverage

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

  • Verify that the Health Shield variant is still available and that the quoted UIN matches the policy document before purchase.

  • Compare the cataract sub-limit with your expected needs, especially if selecting a lower sum insured.

  • Check the 24-month PED and specified-disease waiting periods against your medical history.

  • Review the reset rules carefully, including the restrictions on using reset cover for the same illness.

  • Confirm the available sum insured and room-rent limit in the policy schedule before choosing the plan.

  • Check the waiting periods and daycare treatment caps carefully before purchase

  • May not suit buyers looking for in-built OPD or maternity coverage

  • Suitable for buyers who want extra cover for accidental or cancer hospitalisation through boosters

  • Useful for people who want to earn up to 30% of premium back through HealthReturns™ wellness rewards

  • Good option if you want a budget-friendly plan with no room rent capping on higher Sum Insured options

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Complete Health Insurance Health Shield
Complete Health Insurance Health Shield

Health Insurance Plan

Brochure

VS
Active Assure Diamond
Active Assure Diamond

Health Insurance Plan

Brochure

Room Rent

Complete Health Insurance Health Shield

Normal: Health Shield offers room rent and ICU coverage without sub-limits, ensuring full financial support for hospitalization, including intensive care expenses.

VS

Active Assure Diamond

Normal: Varies by variant — General Room / Twin Sharing / All rooms except Deluxe & Suite / Any room covered

ICU: Covered up to Sum Insured

Advanced Treatments

Complete Health Insurance Health Shield

Covers advanced treatments, including robotic surgeries, stem cell therapy, immunotherapy, and modern cancer treatments

VS

Active Assure Diamond

Information Unavailable

ICU Charges

Complete Health Insurance Health Shield

Covered under eligible inpatient hospitalisation, subject to policy terms.

VS

Active Assure Diamond

Covered up to the Sum Insured.

No separate capping applies on ICU charges when room rent is unrestricted.

Co-payment

Complete Health Insurance Health Shield

10% of copay will be applied to every admissible claim.

VS

Active Assure Diamond

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

Disease-wise sublimits

Complete Health Insurance Health Shield

Cataract: ₹20,000 per eye per policy year for sum insured up to ₹5 lakh; ₹1 lakh per eye per policy year for sum insured above ₹5 lakh.

VS

Active Assure Diamond

Certain treatments carry sub-limits — for example, domiciliary hospitalisation is capped at 10% of Sum Insured.

Cashless Healthcare Providers

Complete Health Insurance Health Shield

10,896+ hospitals across India.

VS

Active Assure Diamond

Cashless treatment available at 10,051+ network hospitals across India.

Restoration Benefit

Complete Health Insurance Health Shield

Unlimited Reset Benefit is listed; reset does not trigger on the first claim and remains subject to illness, insured-person and other policy conditions.

VS

Active Assure Diamond

Reload of Sum Insured up to 150%, max up to ₹50 lakh, when the Sum Insured gets exhausted.

Daycare Treatment

Complete Health Insurance Health Shield

Covered under the policy. 

VS

Active Assure Diamond

586 daycare procedures covered, even when hospitalisation is less than 24 hours.

Cumulative Bonus

Complete Health Insurance Health Shield

10% of annual sum insured per claim-free year, up to 50%; accumulated bonus reduces by 10% of annual sum insured following a claim, as specified in the policy.

VS

Active Assure Diamond

Earn 10% of Sum Insured per claim-free year, accumulating up to 50% of Sum Insured. The Super No Claim Bonus add-on doubles your Sum Insured after 2 consecutive claim-free years (not available above ₹1 Cr SI).

Accumulated bonus reduces if a claim is made; Super NCB requires continuous renewal without break.

AYUSH Treatment

Complete Health Insurance Health Shield

Covered under this policy

VS

Active Assure Diamond

Covered — in-patient hospitalisation at AYUSH hospitals is covered subject to policy terms.

Consumable Cover

Complete Health Insurance Health Shield



VS

Active Assure Diamond

Non-medical consumables such as gloves, oxygen masks, and similar items used during hospitalisation are covered.

Covered within the Sum Insured, subject to policy terms.

Initial Waiting Period

Complete Health Insurance Health Shield

30 days for illnesses; injury-related hospitalisation is excepted.

VS

Active Assure Diamond

30 days from policy inception for general illnesses(verify from policy wordings).

Accidental hospitalisation is covered from day 1.

Specific Waiting Period

Complete Health Insurance Health Shield

24 months for specified illnesses and treatments.

VS

Active Assure Diamond

2 years for listed specific diseases/procedures(verify from policy wordings.

Coverage begins only after the waiting period is served with continuous renewal.

PED Waiting Period

Complete Health Insurance Health Shield

24 months for declared and accepted pre-existing diseases.

VS

Active Assure Diamond

2 years for pre-existing diseases(per Policybazaar; verify from policy wordings — some sources indicate 3 years, so confirm before purchase.

PED coverage begins after the waiting period, subject to continuous renewal.

Modern Treatment

Complete Health Insurance Health Shield

Not verified as a separately defined benefit in the reviewed Health Shield document.

VS

Active Assure Diamond

Covered for listed modern treatment methods, including Robotic Surgeries, Oral Chemotherapy, Balloon Sinuplasty, and other new-age treatments, with no separate financial limit on modern treatment coverage.

Coverage is subject to the treatment being listed in the policy and medically necessary.

Annual Health Checkup

Complete Health Insurance Health Shield

Health-check-up coupon each policy year, up to 2 coupons per year for floater policies.

VS

Active Assure Diamond

Cashless annual health check-up available from day 1 through the insurer's app/network.

Check-up must be availed through the designated channel and is subject to network availability.

Pre-Hospitalisation

Complete Health Insurance Health Shield

Up to 30 days.

VS

Active Assure Diamond

Pre-hospitalisation medical expenses covered up to the Sum Insured for 30 days prior to hospitalisation.

Post-Hospitalisation

Complete Health Insurance Health Shield

Up to 60 days.

VS

Active Assure Diamond

Post-hospitalisation medical expenses covered up to the Sum Insured for 60 days following discharge.

Outpatient Department Cover (OPD Expense)

Complete Health Insurance Health Shield

Wellness points may be redeemable for eligible outpatient expenses; a fixed comprehensive OPD limit was not verified.

VS

Active Assure Diamond

Not available as in-built OPD cover in this variant.

Deductible Option

Complete Health Insurance Health Shield

Not verified in the reviewed Health Shield document.

VS

Active Assure Diamond

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

Coverage Options

Complete Health Insurance Health Shield

Individual or family floater; listed sum insured options from ₹3 lakh to ₹50 lakh.

VS

Active Assure Diamond

Sum Insured options from ₹2 lakh up to ₹2 crore, with flexible choices based on budget and family needs.

Claim Settlement Ratio

Complete Health Insurance Health Shield

FY 2024-25: 83.65%

VS

Active Assure Diamond

Aditya Birla Health Insurance maintains a strong claim settlement track record; the exact ratio for this variant should be verified from the latest IRDAI annual report.

Maternity Cover

Complete Health Insurance Health Shield

Excluded under the reviewed policy wording, except for stated policy exceptions such as ectopic pregnancy.

VS

Active Assure Diamond

Not available as an in-built benefit in this variant.

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

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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

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  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

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  • 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)

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