Oneassure

Partner with us

Insurance Plans Comparison

Aditya Birla Activ Health Platinum Essential vs Aditya Birla Activ One Max

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

Read more
Aditya Birla

Activ Health Platinum Essential

Activ Health Platinum Essential

What Makes It Special:

Activ Health Platinum Essential combines hospitalization protection with wellness and chronic-care features, including Day 1 coverage for specified chronic conditions under the applicable product terms.

Best For:

  • Customers wanting health assessment support

  • Buyers looking for wellness benefits

  • People with listed lifestyle conditions

  • Customers looking for an affordable, comprehensive plan

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

Aditya Birla Activ Health Platinum Essential

  • Customers wanting health assessment support

  • Buyers looking for wellness benefits

  • People with listed lifestyle conditions

  • Customers looking for an affordable comprehensive plan

Aditya Birla Activ One Max

  • 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

Activ Health Platinum Essential
Activ Health Platinum Essential

Health Insurance Plan

Brochure

VS
Activ One Max
Activ One Max

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Activ Health Platinum Essential

Any room.

VS

Activ One Max

All room categories are covered

ICU Charges

Activ Health Platinum Essential

Covered

VS

Activ One Max

No restriction on ICU room rent

Co-payment

Activ Health Platinum Essential

20% mandatory unless applicable waiver is selected.

VS

Activ One Max

Available as an option

Disease-wise sublimits

Activ Health Platinum Essential

Applicable.

VS

Activ One Max

No

Cashless Healthcare Providers

Activ Health Platinum Essential

16,500 + current insurer network

VS

Activ One Max

11000+ Healthcare Providers

Restoration Benefit

Activ Health Platinum Essential

Available as add-on.

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

Activ Health Platinum Essential

10% per year, up to 100%

VS

Activ One Max

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

Daycare Treatment

Activ Health Platinum Essential

Covered.

VS

Activ One Max

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

Consumable Cover

Activ Health Platinum Essential

Optional/subject to policy.

VS

Activ One Max

Yes

AYUSH Treatment

Activ Health Platinum Essential

Covered.

VS

Activ One Max

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

Initial Waiting Period

Activ Health Platinum Essential

30 days

VS

Activ One Max

30 days

Specific Waiting Period

Activ Health Platinum Essential

24 months

VS

Activ One Max

2 years

PED Waiting Period

Activ Health Platinum Essential

36 months

VS

Activ One Max

3 years

Modern Treatment

Activ Health Platinum Essential

Covered.

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

Activ Health Platinum Essential

Once every policy year

VS

Activ One Max

Health check-up is available from the first policy year

Pre-Hospitalisation

Activ Health Platinum Essential

30 days

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

Activ Health Platinum Essential

60 days

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)

Activ Health Platinum Essential

Not standard base limit

VS

Activ One Max

OPD expense is not included

Deductible Option

Activ Health Platinum Essential

Subject to applicable optional benefit

VS

Activ One Max

Available as an option

Coverage Options

Activ Health Platinum Essential

Individual / Family Floater

VS

Activ One Max

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

Claim Settlement Ratio

Activ Health Platinum Essential

97%

VS

Activ One Max

96%

Maternity Cover

Activ Health Platinum Essential

Available as an add-on

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

Compare With Other Health Insurance Plans

Activ Health Platinum Essential vs Optima Secure

Activ Health Platinum Essential vs Optima Secure Plus

Activ Health Platinum Essential vs Cancer Cover Activ Cancer Secure Plan

Activ Health Platinum Essential vs Women Care

Activ Health Platinum Essential vs Activate Booster Plan A

Activ One Max vs Optima Secure

Activ One Max vs Optima Secure Plus

Activ One Max vs Cancer Cover Activ Cancer Secure Plan

Activ One Max vs Women Care

Activ One Max vs Activate Booster Plan A

Oneassure

Health Insurance

Compare Health Insurance Plans

Activ Health Platinum Essential Vs Activ One Max

Policy Pal

Chat with PolicyPal

Get a free policy review

No pressure. No product push. Just honest advice.