Two policies, every clause that decides your claim. No commissions, no sponsored winners.
Activ One (MAX)Aditya Birla · ★ 4.6
vs
Health AdvantEdgeICICI Lombard · ★ 4.1
Financial Limits
No limit
Room Rent Limit
No limit
No limit
ICU Limit
No limit
No
Co-Pay
No
No
Disease Sub-limit
No
Waiting Periods
30
Initial Waiting (Days)
30
2
Specific Disease Waiting (Years)
2
3
Pre-existing Disease Waiting (Years)
2
Pre/Post-Hospitalisation
90 days (Covered up to: sum insured)
Pre-Hospitalisation
60 days
180 days (Covered up to: sum insured)
Post-Hospitalisation
180 days
Yes
Daycare Procedures
Yes
Yes (Covered up to: sum insured)
Domiciliary
Yes (Covered up to: sum insured)
Yes (Covered up to: sum insured)
Organ Donor Cover
Yes (Covered up to: sum insured)
Yes
Modern Treatments
Yes
Coverage Features
Available
Refill on Exhaustion
Available
Related and unrelated illness
Refill Illness Applicability
Unrelated illness (Related illnesses after 45 days)
Partial exhaustion of Sum Insured & Bonus
Refill Trigger
Partial exhaustion of Sum Insured
Unlimited times in a policy year
Refill Limit
Unlimited times in a policy year
Subsequent claims
Refill Applicable Claim
Subsequent claims
Yes
Consumables
Yes
Bonus
100%
Bonus Rate
20%
500%
Bonus Max Limit
100%
No
Reduction in Bonus on Claim
No (Bonus applies irrespective of claims)
Claims Experience
99.90%
% Settled < 30 Days
99.94%
0.16%
% Complaints on Claims
0.14%
75.97%
Incurred Claim Ratio
85.53%
94.09%
Claim Settlement Ratio (No.)
82.79%
79.61%
Claim Settlement Ratio (Value)
63.92%
3.98%
Claim Rejection Ratio
14.11%
11,000+
Cashless Hospitals
10,700+
Pricing & Extras
Affordable
Affordability
NA
Individual
Plan Type
Individual
unique features like HealthReturns™, which rewards healthy habits
Extra Features
NA
Verdict: Activ One (MAX) takes it.
Winner: Activ One (MAX)
Activ One (MAX) · ★ 4.6/5Health AdvantEdge · ★ 4.1/5
Across 10 compared features, Activ One (MAX) leads on 7 and Health AdvantEdge on 3. Activ One (MAX) is the stronger overall pick, notably on Pre-Hospitalisation, Bonus Rate and Bonus Max Limit. Health AdvantEdge still wins on Pre-existing Disease Waiting (Years), % Settled < 30 Days and % Complaints on Claims, so weigh those if they matter to you.
Winner is decided by how many of the 10 compared features each plan leads on, with our coverage-and-claims score breaking a tie. Always confirm the fine print before you buy.
