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Insurance Plans Comparison

Aditya Birla Activ One Max vs Care Ultimate (Direct)

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

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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

VS
Care

What Makes It Special:

Ultimate (Direct) focuses on providing essential health coverage at an affordable premium. It's designed for budget-conscious individuals who want reliable coverage.

Best For:

  • Not available

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 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

Care Ultimate (Direct)

Not available

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Activ One Max
Activ One Max

Health Insurance Plan

Brochure

Policy Wording

VS
Ultimate (Direct)
Ultimate (Direct)

Health Insurance Plan

Brochure

Room Rent

Activ One Max

All room categories are covered

VS

Ultimate (Direct)

The cost of hospital room accommodation is covered under a health insurance policy, subject to specified limits.

No limit on room rent or ICU charges, allowing policyholders to choose any hospital room without financial constraints.

ICU Charges

Activ One Max

No restriction on ICU room rent

VS

Ultimate (Direct)

Information Unavailable

Advanced Treatments

Activ One Max

Information Unavailable

VS

Ultimate (Direct)

Modern medical procedures like robotic surgery or stem cell therapy, often covered under specialized insurance plans.

Covers modern procedures like robotic surgery, stem cell therapy, oral chemotherapy, and deep brain stimulation for critical illnesses.

Co-payment

Activ One Max

Available as an option

VS

Ultimate (Direct)

A fixed percentage of the claim amount that the insured must pay out-of-pocket before the insurer covers the rest.

No mandatory co-payment for policyholders under 61; a 20% co-payment applies for those purchasing after turning 61.

Disease-wise sublimits

Activ One Max

No

VS

Ultimate (Direct)

Information Unavailable

Waiting Period

Activ One Max

Information Unavailable

VS

Ultimate (Direct)

The duration after policy issuance during which certain illnesses or conditions are not covered.

Coverage begins after 30 days for general illnesses, two years for specific conditions, and three years for pre-existing diseases.

Cashless Healthcare Providers

Activ One Max

11000+ Healthcare Providers

VS

Ultimate (Direct)

Hospitals and clinics within an insurer’s network where policyholders can receive treatment without upfront payments.

 

Access to over 24,800 network hospitals for cashless treatment, ensuring hassle-free hospitalization without upfront payments.

Restoration Benefit

Activ One Max

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

VS

Ultimate (Direct)

Information Unavailable

Cumulative Bonus

Activ One Max

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

VS

Ultimate (Direct)

Information Unavailable

Daycare Treatment

Activ One Max

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

VS

Ultimate (Direct)

Medical procedures requiring less than 24-hour hospitalization, such as cataract surgery or chemotherapy.

 

Covers treatments requiring hospitalization of less than 24 hours, such as cataract surgeries, chemotherapy, and other specialized procedures.

Consumable Cover

Activ One Max

Yes

VS

Ultimate (Direct)

Information Unavailable

AYUSH Treatment

Activ One Max

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

VS

Ultimate (Direct)

Information Unavailable

Initial Waiting Period

Activ One Max

30 days

VS

Ultimate (Direct)

Information Unavailable

Specific Waiting Period

Activ One Max

2 years

VS

Ultimate (Direct)

Information Unavailable

PED Waiting Period

Activ One Max

3 years

VS

Ultimate (Direct)

Information Unavailable

Modern Treatment

Activ One Max

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

VS

Ultimate (Direct)

Information Unavailable

Annual Health Checkup

Activ One Max

Health check-up is available from the first policy year

VS

Ultimate (Direct)

Information Unavailable

Pre-Hospitalisation

Activ One Max

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

VS

Ultimate (Direct)

Information Unavailable

Post-Hospitalisation

Activ One Max

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

VS

Ultimate (Direct)

Information Unavailable

Outpatient Department Cover (OPD Expense)

Activ One Max

OPD expense is not included

VS

Ultimate (Direct)

Information Unavailable

Deductible Option

Activ One Max

Available as an option

VS

Ultimate (Direct)

Information Unavailable

Coverage Options

Activ One Max

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

VS

Ultimate (Direct)

Information Unavailable

Claim Settlement Ratio

Activ One Max

96%

VS

Ultimate (Direct)

Information Unavailable

Maternity Cover

Activ One Max

Not available

VS

Ultimate (Direct)

Information Unavailable

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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