ICICI Lombard vs Aditya Birla Health — Health Insurance Comparison
Claim Settlement
85.8%vs84.9%
Network Hospitals
11,500vs9,200
Claims Difficulty
MediumvsMedium
Category Wins
4vs2
Oquilia Verdict: ICICI Lombard edges ahead
Winning 4 out of 6 scored categories in this comparison
Side-by-Side Comparison
| Metric | ICICI Lombard 7.1 | Aditya Birla Health 7 |
|---|---|---|
| Oquilia Score | 7.1/10Winner | 7/10 |
| Claim Settlement Ratio | 85.8%Winner | 84.9% |
| Network Hospitals | 11,500Winner | 9,200 |
| Incurred Claim Ratio | 74.2% | 67.8%Winner |
| Top Plan Score | 7.5/10Winner | 7.4/10 |
| Insurer Type | General Insurer | Standalone HealthWinner |
Score Comparison
Which Should I Choose?
Select your top priority to get a tailored recommendation.
ICICI Lombard wins overall with 4 category wins. It is the stronger choice across the board.
This is an editorial assessment. Always read the policy wording and consult a licensed advisor before purchasing.
Claims Experience Comparison
ICICI Lombard
Some documentation requirements, occasional follow-ups
Aditya Birla Health
Some documentation requirements, occasional follow-ups
Gotcha Alerts
Fine-print items from both insurers that can catch you off guard at claim time. Compare the gotchas side by side to understand the risks.
ICICI Lombard Gotchas
Disease-wise sub-limits on certain ailments
Cataract surgery is capped at 40,000 per eye regardless of actual cost. Knee replacement and similar procedures have fixed caps. These are not proportionate to sum insured — they remain fixed even for high SI policies.
Source: Health Shield, Annexure B — Disease-wise Sub-limits
Daycare procedures list is not exhaustive
Only daycare procedures explicitly listed in the policy document are covered. If a new daycare procedure is not on their approved list, cashless claims can be rejected even if medically necessary.
Source: ICICI Lombard Health, Section 2.5 — Daycare Procedures
Aditya Birla Health Gotchas
HealthReturns wellness cashback has complex qualifying criteria
Earning premium cashback requires meeting multiple targets: 10,000 daily steps, annual health check-ups, BMI maintenance, and no tobacco use. Missing any single criterion in a quarter resets your cashback tier to zero.
Source: Activ Health, HealthReturns Programme T&C, Section 4.2
Day 1 cover for pre-existing conditions requires add-on purchase
While marketed as having 'Day 1 PED cover', this is an optional paid add-on — not a default feature. Without the add-on, standard 48-month waiting periods apply.
Source: ABHI Activ Health Platinum, Add-on Schedule, Rider R3
Our Verdict: ICICI Lombard vs Aditya Birla Health
ICICI Lombard comes out ahead in this comparison, winning 4 out of 6 scored categories against Aditya Birla Health. The key differentiators are a higher Oquilia Score and a wider hospital network for cashless treatment. However, Aditya Birla Health still holds ground in areas where it outperforms, so your choice should ultimately depend on your specific coverage needs, preferred hospital network, and budget.
When to Choose ICICI Lombard
Choose ICICI Lombard if you prioritise access to a wider hospital network for cashless treatment. Despite being a general insurer with multiple lines, their health portfolio is substantial. Their IL Health Booster offers coverage starting at 7,800/yr* with sum insured options up to 5L - 50L. Strong institutional brand backed by ICICI group.
When to Choose Aditya Birla Health
Choose Aditya Birla Health if you value their specific product features and pricing. Their standalone health insurance focus means dedicated claims handling and product design. Their top-rated plan, Activ Health Platinum Enhanced, scores 7.4/10 on Oquilia and is available from 8,900/yr*. Strong wellness-linked premium discount programme (HealthReturns).
Ultimately, the right insurer depends on your individual health profile, family size, city of residence, and risk tolerance. A policy that works brilliantly for a young professional in Mumbai may not suit a senior citizen in a tier-2 city. We recommend checking both insurers' network hospitals in your area, reading the actual policy wording for your chosen plan, and paying close attention to the gotcha alerts flagged above. For a personalised recommendation, use Oquilia's Oquilia Advisor.
This is an editorial assessment based on publicly available IRDAI data and company disclosures. Oquilia is not a licensed insurance advisor. Always consult a qualified professional before purchasing insurance.
Frequently Asked Questions
Is ICICI Lombard better than Aditya Birla Health for health insurance?+
Based on Oquilia's analysis, ICICI Lombard scores 7.1/10 while Aditya Birla Health scores 7/10. ICICI Lombard has a 85.8% claim settlement ratio compared to Aditya Birla Health's 84.9%. The better choice depends on your priorities: Aditya Birla Health may have smoother claims handling, while ICICI Lombard has a wider hospital network (11,500 vs 9,200).
Which has a better claim settlement ratio, ICICI Lombard or Aditya Birla Health?+
ICICI Lombard has the higher claim settlement ratio at 85.8%, compared to 84.9% for Aditya Birla Health. The industry average is approximately 85%, so performance varies relative to the benchmark. Beyond the ratio, consider claims difficulty: ICICI Lombard is rated Medium while Aditya Birla Health is rated Medium.
What are the top plans from ICICI Lombard and Aditya Birla Health?+
ICICI Lombard's top-rated plan is IL Health Booster with an Oquilia Score of 7.5/10, offering sum insured from 5L - 50L starting at 7,800/yr*. Aditya Birla Health's best offering is Activ Health Platinum Enhanced scoring 7.4/10, with coverage from 5L - 2Cr at 8,900/yr*. Always compare the specific plan features, sub-limits, and waiting periods before deciding.
Explore both insurers in detail
Read full profiles with complete plan breakdowns, claims data, and gotcha alerts.