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Aditya Birla Activ Health Platinum (Premier) vs ICICI Lombard Health AdvantEdge
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Aditya Birla Activ Health Platinum (Premier) with similar Health Insurances
ICICI Lombard Health AdvantEdge with similar Health Insurances
Compare Aditya Birla Activ Health Platinum (Premier) and ICICI Lombard Health AdvantEdge
Claims Track Record:
Aditya Birla Activ Health Platinum (Premier)
Aditya Birla Health Insurance Company Limited has a claim settlement ratio of 90.24% and claims incurred ratio of 72.71%. It has also settled 98.61% of claims in less than 30 days. They have received a higher number of claim complaints compared to other insurers.
ICICI Lombard Health AdvantEdge
ICICI Lombard General Insurance Company Limited has a claim settlement ratio of 61.21% and claims incurred ratio of 78.73%. It has settled 99.74% of claims in less than 30 days. The company has received fewer complaints related to claims, as compared to other insurers.
Service Experience:
Aditya Birla Activ Health Platinum (Premier)
Aditya Birla Health Insurance Company Limited facilitates customer service via their toll-free number and Twitter channel. As per our research their Twitter response rate is quick and their toll-free response rate is average. You might get quicker help through Twitter if you have any questions or concerns.
ICICI Lombard Health AdvantEdge
ICICI Lombard General Insurance Company Limited offers customer service via its toll-free number and Twitter account. Based on our research, the Twitter response rate is slow, and the toll-free response rate is average, making it a better choice.
Product Benefits:
Aditya Birla Activ Health Platinum (Premier)
The Aditya Birla Activ Health Platinum – Premier Plan provides coverage for hospitalisation expenses as well as pre and post hospitalisation expenses. Pre-hospitalisation expenses are covered for 60 days before hospitalisation and post-hospitalisation expenses are covered for 180 days after discharge, both up to the sum insured. The insurer also covers 586 day care treatments, domiciliary treatments (except 9 illnesses), organ donor expenses related to harvesting the organ, and modern treatments up to the sum insured. The plan also covers the cost of consumables up to the sum insured – if opted for as an add-on. Aditya Birla Activ Health Platinum – Premier Plan lets you choose any room type without imposing any limit. And, there is no ICU rent limit and copayment or deductible limit. Moreover, the insurer doesn’t place a cap on common treatments/surgeries like cataract treatment, joint replacement surgery, etc. Please note that Aditya Birla Activ Health Platinum – Premier Plan has a waiting period of 36 months for pre-existing diseases and a waiting period of 24 months for specific diseases and 48 months for genetic disorders.
ICICI Lombard Health AdvantEdge
As part of the ICICI Lombard Health AdvantEdge Plan, hospitalisation expenses as well as pre and post-hospitalisation expenses are covered. Pre-hospitalisation expenses are covered for 60 days before hospitalisation and post-hospitalisation expenses are covered for 180 days after discharge, both up to the sum insured. Additionally, the plan covers all day care treatments, domiciliary treatments (except 8 illnesses), organ donor expenses related to harvesting the organ, and modern treatments up to the sum insured. Expenses associated with the consumables are covered up to the sum insured – if you opt for an add-on. The ICICI Lombard Health AdvantEdge Plan gives you the freedom to choose any room as per your preference without imposing any limits. Further, it has no ICU rent limit, copayment limit, deductible limit, or sub-limits on common treatments/surgeries like cataract treatment, joint replacement surgery, etc. The ICICI Lombard Health AdvantEdge Plan has a waiting period of 24 months for pre-existing diseases and a waiting period of 24 months for specific diseases.