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Insurance Plans Comparison

Aditya Birla Active Assure Diamond vs ICICI Lombard iHealth

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

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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

VS
ICICI Lombard

iHealth

Reset up to 100% of the sum insured once in a policy year for a later unrelated illness, and cover inpatient hospitalisation, AYUSH treatment, specified day care procedures and a wellness programme.

What Makes It Special:

iHealth is a discontinued ICICI Lombard Complete Health Insurance tier, offered on an individual or floater basis. It covers in-patient hospitalisation, pre- and post-hospitalisation expenses, day-care procedures, and in-patient AYUSH treatment, with a 2-year waiting period for pre-existing diseases and a Reset Benefit for the sum insured.

Best For:

  • Existing policyholders reviewing their current iHealth cover before renewal, since this plan is no longer sold

  • Individuals who want coverage for hospitalisation and related pre- and post-hospitalisation costs

  • Policyholders who value a cumulative bonus that increases cover over claim-free years

  • Buyers who want a restoration feature to top up the sum insured after a large claim in the same year

  • Families who want a floater policy for parents, children, and spouse under one sum insured

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Quick Decision Guide

  • 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

  • Check the sublimits for listed surgeries, such as cataract at ₹20,000 per eye, if you are considering the lower sum insured options.

  • Maternity cover is not part of the base iHealth tier, so choose a higher tier if you need it and can wait 3 years.

  • Reset Benefit is limited to once per policy year and cannot be used for the same illness already claimed, so do not count it as unlimited cover.

  • Note the 2-year waiting period for pre-existing diseases and the listed illnesses, and plan your cover accordingly if you have an existing condition.

  • Because the plan is discontinued, check whether an ICICI Lombard successor such as Health Shield or Health Shield Plus suits your needs before buying.

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Detailed Features Comparison

Compare the key features of different health insurance plans

Active Assure Diamond
Active Assure Diamond

Health Insurance Plan

Brochure

VS
iHealth
iHealth

Health Insurance Plan

Brochure

Room Rent

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

VS

iHealth

Including in-patient hospitalization expenses such as room rent and ICU charges. Notably, there are no sub-limits on room rent or ICU charges.

ICU Charges

Active Assure Diamond

Covered up to the Sum Insured.

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

VS

iHealth

Covered under the in-patient hospitalisation cover up to the sum insured, for a hospitalisation of at least 24 consecutive hours. Kindly consult the policy wording for any cap.

Advanced Treatments

Active Assure Diamond

Information Unavailable

VS

iHealth

ICICI iHealth covers advanced medical treatments, ensuring access to modern healthcare. It includes robotic surgeries, stem cell therapy (for approved conditions), targeted cancer therapies, and other cutting-edge procedures.

Co-payment

Active Assure Diamond

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

VS

iHealth

Does not have a mandatory co-payment for most policyholders. However, for senior citizens or specific policy variants, a co-payment clause may apply, requiring the insured to bear a percentage of the claim amount.

Disease-wise sublimits

Active Assure Diamond

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

VS

iHealth

Sublimits apply to listed surgeries in the lower sum insured tiers. For example, cataract is limited to ₹20,000 per eye. Kindly consult the policy wording for the full schedule.

Cashless Healthcare Providers

Active Assure Diamond

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

VS

iHealth

10,896+ hospitals across india 

Restoration Benefit

Active Assure Diamond

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

VS

iHealth

Reset Benefit: resets up to 100% of the sum insured once per policy year. Reset is not triggered by the first claim. The reset amount can be used only for future claims in the same policy year that are unrelated to an illness already claimed. Unused reset is not carried forward.

Cumulative Bonus

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.

VS

iHealth

Additional Sum Insured of 10% of the annual sum insured for each claim-free year, up to a maximum of 50%. A claim reduces the accumulated amount by 10% of the annual sum insured in the following year.

Daycare Treatment

Active Assure Diamond

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

VS

iHealth

Covered under the policy. 

Consumable Cover

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.

VS

iHealth

Kindly refer to the policy wording.

AYUSH Treatment

Active Assure Diamond

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

VS

iHealth

Covered under this policy

Initial Waiting Period

Active Assure Diamond

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

Accidental hospitalisation is covered from day 1.

VS

iHealth

30 days from inception. Accident-related hospitalisation is exempt.

Specific Waiting Period

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.

VS

iHealth

2 years for listed illnesses and procedures. Maternity has a 3-year waiting period where opted.

PED Waiting Period

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.

VS

iHealth

2 years for declared and accepted pre-existing diseases

Modern Treatment

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.

VS

iHealth

Kindly refer to the policy wording

Annual Health Checkup

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.

VS

iHealth

Free health check-up at designated centres. Floater policies receive a maximum of 2 coupons per year.

Pre-Hospitalisation

Active Assure Diamond

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

VS

iHealth

Up to 30 days before hospitalisation, up to the sum insured

Post-Hospitalisation

Active Assure Diamond

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

VS

iHealth

Up to 60 days after discharge, up to the sum insured

Outpatient Department Cover (OPD Expense)

Active Assure Diamond

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

VS

iHealth

Outpatient Treatment Cover is available as a benefit in the plan tiers that include it. Reimbursement is subject to a limit of ₹5,000 on a floater basis. Kindly consult the plan details for eligibility.

Deductible Option

Active Assure Diamond

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

VS

iHealth

Kindly consult the policy wording

Coverage Options

Active Assure Diamond

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

VS

iHealth

Individual and floater cover. The base iHealth tier is available at ₹3, ₹4, and ₹5 lakh sum insured.

Claim Settlement Ratio

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.

VS

iHealth

FY 24-25: ~84%

Maternity Cover

Active Assure Diamond

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

VS

iHealth

Not included in the base iHealth tier. Maternity cover with a 3-year waiting period is available in higher plan tiers only when opted for. It covers delivery and caesarean section (₹15,000 normal, ₹25,000 caesarean), pre- and post-natal expenses (₹2,000 each), and newborn cover (₹10,000), limited to two deliveries during the policy period.

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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

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