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Aditya Birla Activ Fit (Plus) vs ICICI Lombard Complete Health Insurance (Health Shield)
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Compare Aditya Birla Activ Fit (Plus) and ICICI Lombard Complete Health Insurance (Health Shield)
Claims Track Record:
Aditya Birla Activ Fit (Plus)
Aditya Birla Health Insurance Company Limited has a claim settlement ratio of 94.51%, with claims incurred ratio of 68.31%. The company has a claim settlement ratio of 94.59%, resolved within a 30-day period. However, it's important to mention that the company has received more complaints related to claims and policy purchases compared to other insurers.
Service Experience:
Aditya Birla Activ Fit (Plus)
When it comes to customer service, Aditya Birla Health Insurance offers support via a toll-free helpline, which is rated as average. On a positive note, their response time on Twitter is notably quick, ensuring a faster resolution for social media queries.
Product Benefits:
Aditya Birla Activ Fit (Plus)
The Aditya Birla Activ Fit (Plus) Plan provides comprehensive coverage, ensuring you're well-protected across various medical needs. This includes both pre-hospitalisation and post-hospitalisation expenses. Specifically, pre-hospitalisation expenses are covered for up to 90 days before admission, while post-hospitalization expenses are taken care of for up to 180 days after discharge - both within the sum insured limit. Additionally, the plan extends to all daycare treatments, domiciliary care, and expenses related to organ donation procedures. It also covers modern treatments and non-medical expenses (as an add-on), offering coverage up to the full sum insured. With the Aditya Birla Activ Fit (Plus) Plan, you get the freedom to select any room during hospitalisation, as there are no room rent limits. Additionally, there is no cap on ICU rent. The policy also does not have copayments or deductibles. Common medical treatments and surgeries, such as cataract procedures and joint replacements, are fully covered up to the sum insured without limitations. However, it’s important to keep in mind that pre-existing diseases have a waiting period of 36 months, while specific conditions carry a 24-month waiting period (48 months for genetic disorders).