Icici Lombard vs Aditya Birla Health Insurance 2026 | PolicyX

Overview

ICICI Lombard (backed by ICICI Bank and Fairfax) offers health plans for individuals, families and groups—covering hospitalisation, day care and medical costs, with add-ons like personal accident and critical illness, a super top-up option and a.
COMPANY DETAILS ✎ Edit

Icici Lombard

✎ Edit

Aditya Birla

Number of health insurance plans
Sum insured

Sum Insured

Up to ₹ 3 Crores

Sum Insured

Up to ₹ 1 Cr
Claim ratio

Claim Ratio

97.16%

Claim Ratio

96%
Network hospitals

Network Hospital

10600+

Network Hospital

12900+
Solvency Ratio

Solvency Ratio

2.69

Solvency Ratio

1.88
Pan India Presence

Pan India Presence

320

Pan India Presence

4800
Claim Form

Claim Form

Available

Claim Form

Available
Annual premium (company level)

Annual premium (company level)

7,635.67 Crore

Annual premium (company level)

4,821.70 Crore
Years in operation

Years in operation

2001

Years in operation

2016
24×7 claim support

24×7 claim support

Yes

24×7 claim support

Yes
Claims settled within 3 months

Claims settled within 3 months

97.16

Claims settled within 3 months

92.97
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ICICI Lombard Health Insurance

▶ ICICI Lombard Health Insurance

Aditya Birla Health Insurance Review

▶ Aditya Birla Health Insurance Review

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ICICI Lombard Health Insurance

Accident Health Insurance

ICICI Personal Protect Policy

The ICICI Lombard Personal Protect Policy offers comprehensive coverage against the financial impact of accidental injuries, inclu...

  • Accidental Death Benefit
  • Acts Of Terrorism Cover
  • Life Long Renewal
  • Accidental Death
  • Permanent Total Disablement Benefit
  • Hospital Daily Allowance
  • Illegal activities
  • Adventure sports
  • Operational Coverage
  • Accidental Hospitalization
  • Hospital Daily Allowance
  • Min entry age: 18 years
  • Max entry age: 80 years
  • Initial Waiting Period: 30 days
  • Sum Insured: Up to 25 Lakhs
View plan
Senior Citizen Health Insurance

Golden Shield Plan

The ICICI Lombard Golden Shield Health Plan is specifically designed for senior citizens aged 56 and above, offering comprehensive...

  • Care Management Program
  • 50 L SI Available
  • Co-Pay Modification
  • Reset Benefit
  • Coverage for Ambulance
  • Cashless Hospitalization
  • Maternity cover
  • New born cover
  • Daily hospital cash
  • Care Management Program
  • AYUSH Treatments
  • Claim Protector
  • Entry age: 56 years to no maximum limit
  • Sum insured: 5 to 50 Lakhs
  • Initial waiting period: 30 days
View plan

Aditya Birla Health Insurance

Accident Health Insurance

Aditya Birla Personal Accident Plan

The Aditya Birla Activ Secure Personal Accident Plan provides comprehensive financial protection against unforeseen incidents, cov...

  • Up to 20 Cr SI
  • 11 Optional Covers
  • Avail Wellness Benefit
  • Total and partial disability cover
  • Accidental death cover
  • No claim bonus
  • Ambulance cover
  • Education benefit
  • Illness due to intoxicants
  • Obesity treatment unavailable
  • Hazardous activity not covered
  • Cosmetic surgery unavailable
  • Income cover
  • Loan protect cover
  • Orphan benefits
  • Compassionate visit
  • Coma benefit
  • Entry age: Minimum 5 years
  • Maximum 65 years. Sum Insured: 1 Lac - 20 Crore. Waiting period: None.
View plan
Individual and Family Health Insurance

Aditya Birla Activ Health Platinum Enhanced

The Aditya Birla Activ Health Platinum Enhanced Plan offers comprehensive health insurance for individuals and families, with sum ...

  • Critical Illness Cover
  • Health Coach
  • SI Up to 2 Crores
  • Earn 100% health returns
  • Cover for dental consultations
  • Modern treatment cover
  • Wellness coach
  • Mental illness cover
  • Illness due to intoxicants
  • Change of gender treatment
  • Hazardous activity not covered
  • HIV/AIDS not covered
  • Cosmetic surgery unavailable
  • Chronic management program
  • Premium waiver benefit
  • Reload of SI
  • Road ambulance cover
  • Second e-opinion
  • Entry age: 90 days
  • Max entry age: 45
  • SI: 1L to 1 Cr
  • Waiting period: 30 days
View plan

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With over 12 years of rich experience in the BFSI domain, with a specialisation in Life and Health Insurance, I have played a pivotal role in simplifying the insurance-buying process and delivering unparalleled service.

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