Policy compare
Compare two plans side-by-side
Compare real policy features side-by-side and quickly spot where one plan is stronger.
| Feature | Aditya Birla - Activ One (VIP+) | ICICI Lombard - Complete Health Insurance (iHealth) |
|---|---|---|
| Room Rent Limit | No limit | NA |
| ICU Limit | No limit | NA |
| Co-Pay | NA | No |
| Initial Waiting (Days) | 30 | NA |
| Specific Disease Waiting (Years) | 2 | NA |
| Pre-existing Disease Waiting (Years) | 3 | NA |
| Pre-Hospitalisation | 90 days (Covered up to: sum insured) | NA |
| Post-Hospitalisation | 180 days (Covered up to: sum insured) | NA |
| Daycare Procedures | Yes (Covered up to: sum insured) | Yes (Covered up to: sum insured) |
| Domiciliary | Yes (Covered up to: sum insured) | Yes |
| Organ Donor Cover | Yes (Covered up to: sum insured) | Yes |
| Modern Treatments | Yes | Yes (Covered up to: sum insured) |
| Refill on Exhaustion | Available | Available |
| Refill Illness Applicability | Related and unrelated illness | NA |
| Refill Trigger | Partial exhaustion of Sum Insured | Partial exhaustion of Sum Insured |
| Refill Limit | Unlimited times in a policy year | Once in a policy year |
| Refill Applicable Claim | Subsequent claims | Subsequent claims |
| Consumables | Yes | No |
| Bonus Rate | NA | 10% |
| Bonus Max Limit | 100% | NA |
| Reduction in Bonus on Claim | No reduction | NA |
| % Settled < 30 Days | 99.90% | 99.94% |
| % Complaints on Claims | 0.16% | 0.14% |
| Incurred Claim Ratio | 75.97% | 85.53% |
| Claim Settlement Ratio (No.) | 94.09% | 82.79% |
| Claim Settlement Ratio (Value) | 79.61% | 63.92% |
| Claim Rejection Ratio | 3.98% | 14.11% |
| Cashless Hospitals | 11,000+ | 10,700+ |
| Plan Type | Individual | Individual |