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Insurance Plans Comparison

Aditya Birla Active Assure Diamond vs Aditya Birla Activ One Max

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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Aditya Birla

Active Assure Diamond

Aditya Birla Activ Assure Diamond

What Makes It Special:

Activ Assure Diamond is a budget-friendly, new-age health plan from Aditya Birla that combines no-room-rent-capping coverage, modern treatment cover, wellness rewards, and a reload benefit of up to 150% of Sum Insured in one affordable package.

Best For:

  • Those wanting accidental and cancer hospitalisation boosters

  • Customers looking for modern treatment coverage like robotic surgeries and oral chemotherapy

  • People wanting wellness-linked premium rewards(HealthReturns™)

  • Buyers who want no capping on room rent for higher Sum Insured options

  • Families and individuals looking for affordable, comprehensive coverage

VS
Aditya Birla

Activ One Max

Comprehensive Health Insurance with Unlimited Super Reload and 500% Super Credit.

What Makes It Special:

Aditya Birla Activ One MAX is an all-encompassing health insurance plan offering coverage from ₹2 lakh up to ₹6 crore, ideal for individuals and families. It includes unlimited room rent and hospitalisation expenses, Super Reload unlimited sum insured refills, Super Credit sum boosts up to 500%, and HealthReturns™ that reward...

Best For:

  • High-Sum Insured Premium Plan

  • Wellness Reward-Based Health Insurance

  • Unlimited Restoration Medical Coverage

  • Advanced Family Floater Protection

Insurance Plans Comparison

Get Personalized Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Quick Decision Guide

  • Check the waiting periods and daycare treatment caps carefully before purchase

  • May not suit buyers looking for in-built OPD or maternity coverage

  • Suitable for buyers who want extra cover for accidental or cancer hospitalisation through boosters

  • Useful for people who want to earn up to 30% of premium back through HealthReturns™ wellness rewards

  • Good option if you want a budget-friendly plan with no room rent capping on higher Sum Insured options

  • Ultra‑high coverage up to ₹6 crore

  • Unlimited super‑reload sum insured refills

  • HealthReturns™ rewards boost wellness savings

  • No room rent or co‑payment restrictions

  • Chronic care and enhanced add‑on protection

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Active Assure Diamond
Active Assure Diamond

Health Insurance Plan

Brochure

VS
Activ One Max
Activ One Max

Health Insurance Plan

Room Rent

Active Assure Diamond

Normal: Varies by variant — General Room / Twin Sharing / All rooms except Deluxe & Suite / Any room covered

ICU: Covered up to Sum Insured

VS

Activ One Max

All room categories are covered

ICU Charges

Active Assure Diamond

Covered up to the Sum Insured.

No separate capping applies on ICU charges when room rent is unrestricted.

VS

Activ One Max

No restriction on ICU room rent

Co-payment

Active Assure Diamond

Not a core feature of this variant — verify availability from policy wordings.

VS

Activ One Max

Available as an option

Disease-wise sublimits

Active Assure Diamond

Certain treatments carry sub-limits — for example, domiciliary hospitalisation is capped at 10% of Sum Insured.

VS

Activ One Max

No

Cashless Healthcare Providers

Active Assure Diamond

Cashless treatment available at 10,051+ network hospitals across India.

VS

Activ One Max

11000+ Healthcare Providers

Restoration Benefit

Active Assure Diamond

Reload of Sum Insured up to 150%, max up to ₹50 lakh, when the Sum Insured gets exhausted.

VS

Activ One Max

Yes, your sum insured restores to 100% unlimited times after your second claim, for both related and unrelated illnesses

Cumulative Bonus

Active Assure Diamond

Earn 10% of Sum Insured per claim-free year, accumulating up to 50% of Sum Insured. The Super No Claim Bonus add-on doubles your Sum Insured after 2 consecutive claim-free years (not available above ₹1 Cr SI).

Accumulated bonus reduces if a claim is made; Super NCB requires continuous renewal without break.

VS

Activ One Max

Your sum insured increases by 100% every year up to 500%, maximum 3cr

Daycare Treatment

Active Assure Diamond

586 daycare procedures covered, even when hospitalisation is less than 24 hours.

VS

Activ One Max

Covers medical expenses for treatments not requiring 24-hour hospitalisation, up to your annual sum insured

Consumable Cover

Active Assure Diamond

Non-medical consumables such as gloves, oxygen masks, and similar items used during hospitalisation are covered.

Covered within the Sum Insured, subject to policy terms.

VS

Activ One Max

Yes

AYUSH Treatment

Active Assure Diamond

Covered — in-patient hospitalisation at AYUSH hospitals is covered subject to policy terms.

VS

Activ One Max

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

Initial Waiting Period

Active Assure Diamond

30 days from policy inception for general illnesses(verify from policy wordings).

Accidental hospitalisation is covered from day 1.

VS

Activ One Max

30 days

Specific Waiting Period

Active Assure Diamond

2 years for listed specific diseases/procedures(verify from policy wordings.

Coverage begins only after the waiting period is served with continuous renewal.

VS

Activ One Max

2 years

PED Waiting Period

Active Assure Diamond

2 years for pre-existing diseases(per Policybazaar; verify from policy wordings — some sources indicate 3 years, so confirm before purchase.

PED coverage begins after the waiting period, subject to continuous renewal.

VS

Activ One Max

3 years

Modern Treatment

Active Assure Diamond

Covered for listed modern treatment methods, including Robotic Surgeries, Oral Chemotherapy, Balloon Sinuplasty, and other new-age treatments, with no separate financial limit on modern treatment coverage.

Coverage is subject to the treatment being listed in the policy and medically necessary.

VS

Activ One Max

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Annual Health Checkup

Active Assure Diamond

Cashless annual health check-up available from day 1 through the insurer's app/network.

Check-up must be availed through the designated channel and is subject to network availability.

VS

Activ One Max

Health check-up is available from the first policy year

Pre-Hospitalisation

Active Assure Diamond

Pre-hospitalisation medical expenses covered up to the Sum Insured for 30 days prior to hospitalisation.

VS

Activ One Max

You get cover for medical tests and doctor visits up to 90 days before hospitalisation, if your main claim is approved

Post-Hospitalisation

Active Assure Diamond

Post-hospitalisation medical expenses covered up to the Sum Insured for 60 days following discharge.

VS

Activ One Max

You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it

Outpatient Department Cover (OPD Expense)

Active Assure Diamond

Not available as in-built OPD cover in this variant.

VS

Activ One Max

OPD expense is not included

Deductible Option

Active Assure Diamond

Not a core feature of this variant — verify availability from policy wordings.

VS

Activ One Max

Available as an option

Coverage Options

Active Assure Diamond

Sum Insured options from ₹2 lakh up to ₹2 crore, with flexible choices based on budget and family needs.

VS

Activ One Max

Available coverage options: ₹5L, ₹7L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr and ₹2 Cr

Claim Settlement Ratio

Active Assure Diamond

Aditya Birla Health Insurance maintains a strong claim settlement track record; the exact ratio for this variant should be verified from the latest IRDAI annual report.

VS

Activ One Max

96%

Maternity Cover

Active Assure Diamond

Not available as an in-built benefit in this variant.

VS

Activ One Max

Not available

Insurance Plans Comparison

Still Confused? Get Expert Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Why Choose Our Expert Consultation?

End-to-End Support

End-to-End Support

From choosing the right policy to managing claims, every step is handled for you

Zero Spam. Zero Hassle

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

Talk to experienced advisors at no cost, and make confident decisions

24/7 Claim Assistance

24/7 Claim Assistance

Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

What Our Experts Help You With

Personalised Recommendations

  • Every suggestion is backed by expert analysis of your life stage, goals, and budget

Expert-Led Policy Review

  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

Smart, Tech-Enabled Experience

  • From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free

Insurance Plans Comparison

Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

Family Health Plan

Family Health Plan

  • One policy covers the entire family

  • High sum insured with cashless care

  • Multiple coverage options based on your family needs

Maternity Health Plan

Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

Having questions? We've got answers. Explore our FAQs to find the information you need.

1-5 of 10 FAQs

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Active Assure Diamond Vs Activ One Max

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