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Aditya Birla Activ Fit (Preferred) vs ICICI Lombard Complete Health Insurance (Health Shield)
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Compare Aditya Birla Activ Fit (Preferred) and ICICI Lombard Complete Health Insurance (Health Shield)
Claims Track Record:
Aditya Birla Activ Fit (Preferred)
The claim settlement ratio of Aditya Birla Health Insurance Company Limited is 94.51%, while the claims incurred ratio is 68.31%. It has resolved 94.59% of claims within a 30-day timeframe. Compared to other insurers, the company has received higher claim-related complaints.
Service Experience:
Aditya Birla Activ Fit (Preferred)
Aditya Birla Health Insurance Company Limited offers customer care via a toll-free number and a Twitter account. Their toll-free number has an average response time; however, Twitter has a speedy turnaround.
Product Benefits:
Aditya Birla Activ Fit (Preferred)
Aditya Birla Activ Fit (Preferred) plan offers extensive coverage that includes hospitalisation costs, pre-hospitalisation, and post-hospitalisation expenses. It's important to note that pre-hospitalisation expenses are covered for up to 90 days before hospital admission and post-hospitalisation expenses up to 180 days after discharge, all up to the sum insured. In addition, the coverage pays for all day care, domiciliary treatments, and expenses of donors for organ donation procedures, as well as modern treatments and consumables (as an add-on) up to the sum insured. Moreover, with the Aditya Birla Activ Fit (Preferred) plan, there are no room rent restrictions, giving you the freedom to select any room. There is no ICU rent limit under the plan as well. The plan does not include a deductible or co-payment. Common medical procedures and treatments, such as joint replacement surgery and cataract treatments, are not restricted by the policy and are therefore covered up to the sum insured. It's essential to note that pre-existing diseases have a 36-month waiting period. For specific diseases, the waiting period is generally 24 months, but it is 48 months for any genetic disorders under this plan.