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Aditya Birla Activ Fit (Preferred) vs ICICI Lombard Elevate
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Aditya Birla Activ Fit (Preferred) with similar Health Insurances
ICICI Lombard Elevate with similar Health Insurances
Compare Aditya Birla Activ Fit (Preferred) and ICICI Lombard Elevate
Claims Track Record:
Aditya Birla Activ Fit (Preferred)
Aditya Birla Health Insurance Company Limited has a claim settlement ratio of 90.24% and claims incurred ratio of 72.71%. Furthermore, it has settled 98.61% of claims in less than 30 days. They have received a higher number of claim complaints as compared to other insurers.
ICICI Lombard Elevate
ICICI Lombard General Insurance boasts an impressive claim settlement ratio of 80.97% and a claims incurred ratio of 78.85%. They resolved 99.78% of claims within just 30 days and received fewer complaints than many other insurers.
Service Experience:
Aditya Birla Activ Fit (Preferred)
Aditya Birla Health Insurance Company Limited facilitates customer service via its toll-free number and Twitter channel. Our research shows that their Twitter response rate is quick and their toll-free response rate is average. If you have any questions or concerns, you might get better help via Twitter.
ICICI Lombard Elevate
Customer support at ICICI Lombard is accessible via a toll-free helpline and its Twitter account. While the toll-free response time is average, it’s important to note that Twitter responses can be slower.
Product Benefits:
Aditya Birla Activ Fit (Preferred)
The Aditya Birla Activ Fit (Preferred) Plan provides coverage for hospitalisation expenses as well as pre and post-hospitalisation expenses. Pre-hospitalisation expenses are covered for 90 days before hospitalisation and post-hospitalisation expenses are covered for 180 days after discharge, both up to the sum insured. All day care treatments, domiciliary treatments, organ donor expenses related to harvesting the organ, and modern treatments are covered too - up to the sum insured. And, consumables are also covered up to the sum insured if you opt for an add-on. With the Aditya Birla Activ Fit (Preferred) Plan, you can choose any room type as it doesn't have any restrictions. And, there is no ICU rent limit and copayment/deductible limit. Moreover, the insurer covers common treatments/surgeries like cataract treatment, joint replacement surgery, etc. up to the sum insured without imposing any limits. The Aditya Birla Activ Fit (Preferred) Plan has a 48-month waiting period for pre-existing diseases, a 24-month waiting period for specific diseases, and a 48-month waiting period for genetic disorders.
ICICI Lombard Elevate
The ICICI Lombard Elevate Plan provides comprehensive coverage that encompasses hospitalisation costs, as well as pre and post-hospitalization expenses. Pre-hospitalization expenses are covered for up to 90 days before admission, while post-hospitalization expenses are covered for up to 180 days after discharge, both within the sum insured. Additionally, the policy covers all daycare treatments, domiciliary treatments (except for 15 illnesses), expenses of donors for organ donation procedures, and modern treatments all up to the sum insured. Please note that non-medical expenses are covered up to the sum assured as an add-on. Moreover, the plan offers the flexibility to choose any room without imposing room rent limits, though it is available as an add-on. There are no limits on ICU rent or deductibles. Also, this plan offers an optional co-payment of 10% to 50%. The policy covers common medical treatments and surgeries, such as cataract and joint replacement surgeries, up to the sum insured. However, it’s important to note that pre-existing conditions and specific conditions have a 12-month waiting period (as an add-on). As an add-on, this plan allows a 90-day waiting period for conditions like BP, Diabetes, and Heart Disease (unless these diseases are classified as pre-existing conditions).