Insurance Plans Comparison
Aditya Birla Active Fit Plus 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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Active Fit Plus
Wellness-driven health protection with Binge Refill and HealthReturns
What Makes It Special:
Activ Fit Plus is designed around health insurance and wellness rewards, with Binge Refill, health assessment, HealthReturns and fitness-linked benefits.
Best For:
People looking for broad hospitalisation and daycare coverage
Buyers wanting unlimited sum insured refill
Customers interested in wellness rewards
Younger adults and families
VS
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
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
Waiting periods should be reviewed before purchase.
Maternity is not part of the Plus variant.
Binge Refill can provide additional protection after some insured is exhausted.
Suitable if wellness linked rewards are important.
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.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Active Fit Plus Health Insurance Plan VS VS |
iHealth Health Insurance Plan |
| Room Rent |
|---|
Active Fit Plus Any room for some in short 5 lakh and above. |
VS 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 Fit Plus No sublimit or caps. |
VS 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 Fit Plus Information Unavailable |
VS 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 Fit Plus No mandatory co-payment identified. |
VS 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 Fit Plus Subject to policy terms. |
VS 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 Fit Plus Current insurer network is 16,500+. |
VS VS |
iHealth 10,896+ hospitals across india |
| Restoration Benefit |
|---|
Active Fit Plus Binge refill - 100% sum insured, unlimited times |
VS 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 Fit Plus 10% of SI per year, maximum 100% |
VS 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 Fit Plus All daycare treatments up to sum insured |
VS VS |
iHealth Covered under the policy. |
| Consumable Cover |
|---|
Active Fit Plus Optional/subject to applicable cover |
VS VS |
iHealth Kindly refer to the policy wording. |
| AYUSH Treatment |
|---|
Active Fit Plus Covered up to sum insured |
VS VS |
iHealth Covered under this policy |
| Initial Waiting Period |
|---|
Active Fit Plus 30 days |
VS VS |
iHealth 30 days from inception. Accident-related hospitalisation is exempt. |
| Specific Waiting Period |
|---|
Active Fit Plus Information Unavailable |
VS VS |
iHealth 2 years for listed illnesses and procedures. Maternity has a 3-year waiting period where opted. |
| PED Waiting Period |
|---|
Active Fit Plus 36 months |
VS VS |
iHealth 2 years for declared and accepted pre-existing diseases |
| Modern Treatment |
|---|
Active Fit Plus Covered up to sum insured |
VS VS |
iHealth Kindly refer to the policy wording |
| Annual Health Checkup |
|---|
Active Fit Plus Once every policy year for eligible insured persons |
VS VS |
iHealth Free health check-up at designated centres. Floater policies receive a maximum of 2 coupons per year. |
| Pre-Hospitalisation |
|---|
Active Fit Plus 90 days |
VS VS |
iHealth Up to 30 days before hospitalisation, up to the sum insured |
| Post-Hospitalisation |
|---|
Active Fit Plus 180 days |
VS VS |
iHealth Up to 60 days after discharge, up to the sum insured |
| Outpatient Department Cover (OPD Expense) |
|---|
Active Fit Plus Not part of standard hospitalisation cover; optional OPD available. |
VS 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 Fit Plus Not established as a standard inbuilt benefit |
VS VS |
iHealth Kindly consult the policy wording |
| Coverage Options |
|---|
Active Fit Plus Individual, multi-individual, and family floater available. |
VS VS |
iHealth Individual and floater cover. The base iHealth tier is available at ₹3, ₹4, and ₹5 lakh sum insured. |
| Claim Settlement Ratio |
|---|
Active Fit Plus 97% |
VS VS |
iHealth FY 24-25: ~84% |
| Maternity Cover |
|---|
Active Fit Plus Not available. |
VS 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. |
Insurance Plans Comparison
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Insurance Plans Comparison
Explore Insurance Category
Senior Citizen Health Plan
Secure against age-related medical costs
Tailored for seniors healthcare needs
Most Popular
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.
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