ICICI Lombard Elevate Vs Aditya Birla Health Activ One Max Plus, which plan is better
Whenever we think of buying health insurance like Aditya Birla Health Activ, we do our research. And if we don’t, we definitely should.
By comparing health insurance plans like Aditya Birla Health Activ, we get to know which plan will be right for us. For example, if a person has a very disciplined lifestyle and goes for a daily morning walk, they can even get a discount on their renewal premium.
So in this series, let’s compare ICICI Lombard Elevate and Aditya Birla Health Active One Max in this blog.
In this blog, we’ll compare ICICI Lombard’s Health Advantage Elevate plan and Aditya Birla Health Activ One Max Plus to help you decide which one could be the better fit for you.
Why Comparing Health Plans Like Aditya Birla Health Activ Matters
Before we dive into the table, here’s why comparing plans like Aditya Birla Health Activ is essential:
- Not all health plans are created equal. Some offer more in-built benefits, while others make you pay extra for the same.
- Lifestyle-based rewards like wellness programs can add real value over time.
- Long-term affordability matters — look beyond the premium and focus on features like no-claim bonuses, room rent limits, and restoration benefits.
Comparison Table: ICICI Lombard Elevate Vs Aditya Birla Health Activ One Max Plus
| Comparision Base | ICICI Lombard Elevate | ABHI Activ One Max Plus |
| Sum Insured | 5,7,10, 15, 20, 25, 50 lakhs & 1 Cr | 7, 10, 15, 20, 25, 50, 75 lakhs 1 Cr & 2 Cr |
| Roll Over SI | 25 Lakh & Above | 10 lakh & Above |
| Zone | 4 Zones & No Zone Based Co-Pay | 3 Zones & No Zone Based Co-Pay |
| Tenure | 1,2 and 3 years | 1,2 and 3 years |
| Pricing | 5 Years age band | 5 Years age band |
| Entry Age | 18 Years and No Limit | 18 Years and No Limit |
| Family Combination | 2 Adults and 3 Kids | 2 Adults and 4 Kids |
| Base Covers | ||
| In-patient Treatment | Upto SI | Upto SI |
| Day Care Treatment | Upto SI | Upto SI |
| Modern Treatment | Upto SI for 12 Listed Advance / Modern Treatment | Upto SI for 12 Listed Advance / Modern Treatment |
| Pre-Hospitalisation | 90 Days | 90 Days |
| Post-Hospitalisation | 180 Days | 180 Days |
| In patient AYUSH Hospitalization | Upto SI | Upto SI |
| Domestic Road Ambulance | Upto SI | Upto SI |
| Organ Donor | Upto SI for harvesting | Upto SI for harvesting |
| Domiciliary Treatment | Upto SI | Upto SI |
| Guaranteed cumulative bonus | Base 20% of Si for every claim free year up to 100%, will not reduce on future claims | Its Super Credit, 100 % base SI whether claim or no claim and will not reduce, means 6 times SI after 5 Renewal |
| Reset/Reload/Re-Fill | Unlimited times upto Base SI | Unlimited times upto Base SI |
| Bariatric Surgery | Upto SI | Upto SI |
| In Patient Treatment for Surrogate Mothers | Base Up to Rs. 5 Lakh | Not Avaliable |
| In Patient Treatment for Oocyte donor | Base Up to Rs. 5 Lakh | Not Avaliable |
| Super Credit | Not Avaliable | 100% of Base SI upto 500%, whether claim or no claim |
| Advance Checkuups | Not Avaliable | Computed tomography angiography (CTA) & Positron emission tomography (PET) Scan at Cashless ( 90 Days waiting) |
| Durable medical equipment cover | on Optiona Basis | Inbuilt-Ventilator, Wheelchair, Prosthetic device, Suction Machine, Commode Chairs, Infusion Pump, Continuous Passive motion devices in case of Knee Replacement, Oxygen concentrator |
| Wellness program | Wellness program Base Up to 30% discount on renewal premium basis wellness points accrued Ambulance assistance Health Assistance Discounts on services and products | 100% premium back & multiple wellness facility with discounts through activ health app |
| Optional Covers | ||
| Infinite Care | Coverage up to Unlimited Sum Insured for any one claim in the lifetime of the policy.Cover will have to be opted in first 2 Policy years since date of joining. Coverage will cease once a claim is made under this cover and will not be available for subsequent renewals | Not Avaliable |
| Power Booster (Guaranteed Super Bonus) | Optional 100% additional Si per year up to unlimited SI; irrespective of claims | Inbuilt Benefits 100% of Base SI up to 500%, irrespective of claim at no extra cost |
| Jumpstart (For Lombard) & CMP for ABHI | Covers Asthma, Diabetes, Hypertension, Hyperlipidemia, Obesity & PTCA from 31st day | Covers Asthma, Diabetes, Hypertension, Hyperlipidemia, Obesity, PTCA & COPD from Day 1 of Policy Issuance |
| Maternity Cover | Waiting period 2 years, upto Base SI 10% 50K, 75k & 100K | Not Avaliable |
| New Born Baby Cover | Twice of maternity SI | Not Avaliable |
| Vaccinations for new born baby in the first year | 1% of SI, max upto 10,000 | Not Avaliable |
| Claim Protector | Upto SI (within Base SI) | Inbulit with no extra cost of IRDA Annexures I to IV for Base and Earn Super Credit |
| Inflation Protector | Available | Not Avaliable |
| Domestic Air Ambulance | Upto SI | Not Avaliable |
| Convalescence benefit | Up to Rs. 20,000 | Not Avaliable |
| Nursing at home | Rs. 2000 per day, maximum up to 10 days | Not Avaliable |
| Compassionate Visit | Up to Rs. 20,000 | Up to Rs. 50,000 |
| Annual Health Checkups | 0.5% of Si, max up to Rs. 5,000; listed tests on cashless basis | Cashless & Listed inbuilt at no extra cost |
| Critical Illness | Up to Sl max up to Rs. 50 Lakhs; up to 50 yrs of age for adults | Up to Sl max up to Rs. 25 Lakhs; up to 65 yrs of age for adults |
| Cancer Booster | Not Avaliable | Yes, will apply 2X of Base SI |
| Personal Accident | Up to SI max up to Rs. 50 Lakhs; up to 65 yrs of age for adults only | Up to Sl max up to Rs. 50 Lakhs; up to 65 Years for Aduts and 18 Years to 25 Years for Kids |
| Voluntary co-payment | 10%. 20%, 30%, 40% & 50% | Not Avaliable |
| Per Claim Deductible | Not Avaliable | 15K & 25K for every claim |
| Dependent accommodation benefit | Rs. 1000 per day up to 10 days | Not Avaliable |
| Durable medical equipment cover | Up to SI subject to max of Rs. 5 Lakh (within base SI) | In ABHI it is in-built upto 5 lakh |
| Tele consultations | Unlimited | Unlimited in wellness benefits at not extra cost |
| Room modifier | Any Room, Twin Sharing, 1% of Sl for normal room and 2% of SI for ICU (For SI options up to Rs. 7.5 Lakhs) | Any Room, Single Pvt AC Room & Share Room |
Benefits of Choosing Aditya Birla Health Activ One Max Plus
If you’re leaning toward Aditya Birla Health Insurance’s Activ One Max Plus, here are some standout benefits that might help you decide:
1. Super Credit with 500% Boost
You get 100% of Base Sum Insured every year (whether you claim or not) — up to 500%! And the best part? It’s inbuilt, not chargeable extra like with many others.
2. Wellness That Rewards You
The Activ Health App tracks your steps, sleep, and health goals. Meet your goals? Get rewards. Some even get up to 100% of their premium back through these wellness programs!
3. Chronic Illnesses Covered from Day 1
While many plans make you wait, Aditya Birla Health Activ One Max Plus covers lifestyle diseases like diabetes, asthma, hypertension, and even COPD right from Day 1 of policy issuance.
4. No Cost Annual Health Check-Ups
With Aditya Birla Health Activ, cashless annual health checkups (including tests like PET scans) are inbuilt with no extra charge.
5. Extra Child Coverage
You can cover up to 4 kids under a single-family floater plan — great for larger families.
Final Thoughts: Which One Should You Pick?
Both ICICI Lombard Elevate and Aditya Birla Health Activ One Max Plus are excellent plans, offering robust coverage. However:
Choose ICICI Lombard Elevate if:
If you’re looking for a reliable base plan with flexibility and optional top-up covers like maternity or infinite care, Aditya Birla Health Activ could be the ideal choice.
Choose Aditya Birla Health Activ One Max Plus if:
You want inbuilt wellness benefits, rewards for staying healthy, and massive bonus boosts without paying extra? Aditya Birla Health Activ offers all of that—built right into your plan.
At the end of the day, the best health insurance plan is the one that fits your lifestyle, covers your family needs, and supports your future goals. When reviewing options like Aditya Birla Health Activ, go beyond just the premiums—look at the real value and long-term benefits it brings.
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FAQs – ICICI Lombard Elevate vs Aditya Birla Health Activ One Max Plus
Q1: Which plan offers better bonus benefits?
Aditya Birla wins with its inbuilt Super Credit (up to 500% of SI), while ICICI Lombard offers Power Booster as an optional add-on.
Q2: Which plan is better for chronic illness?
Aditya Birla covers several chronic diseases from Day 1, which is a strong plus point for individuals with pre-existing conditions.
Q3: Is maternity covered under both?
Only ICICI Lombard Elevate offers maternity and newborn coverage (with a waiting period); Aditya Birla does not.
Q4: Which one has better wellness rewards?
Aditya Birla provides wellness-linked rewards via the Activ Health App, including up to 100% premium back.
Q5: Which insurer covers modern treatments and equipment better?
Both cover 12 advanced treatments, but Aditya Birla includes medical equipment in-built, whereas ICICI Lombard offers it as an optional cover.
