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Insurance Plans Comparison

Aditya Birla Activ One Max vs Care Joy

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

Joy

Care Joy Plan

What Makes It Special:

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

Best For:

  • Long-term peace of mind with 3-year policy term

  • Cashless treatment across 8,000+ hospitals

  • Comprehensive family protection during pregnancy

  • Maternity and Newborn health coverage

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 Joy

  • You want cashless access to 8,000+ hospitals across India

  • You prefer short waiting period for maternity benefits (9 months)

  • You want maternity and newborn cover under one plan

  • You’re planning for pregnancy or expanding your family soon.

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
Joy
Joy

Health Insurance Plan

Brochure

Room Rent

Activ One Max

All room categories are covered

VS

Joy

  1. Normal: Single Private Room with AC 
  2. ICU: No Limit
ICU Charges

Activ One Max

No restriction on ICU room rent

VS

Joy

Information Unavailable

Co-payment

Activ One Max

Available as an option

VS

Joy

  1. While buying or renewing a policy at age 61 years and above, customers will have the choice to include or exclude the Co-payment feature that implies- Continuing the policy with 20% co-payment. Continuing the policy without 20% co-payment by opting a waiver benefit.
  2. .
Disease-wise sublimits

Activ One Max

No

VS

Joy

Information Unavailable

Waiting Period

Activ One Max

Information Unavailable

VS

Joy

"Joy Today" with a 9-month waiting period and "Joy Tomorrow" with a 24-month waiting period

Cashless Healthcare Providers

Activ One Max

11000+ Healthcare Providers

VS

Joy

24800+ Health care providers 

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

Joy

Information Unavailable

Cumulative Bonus

Activ One Max

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

VS

Joy

Information Unavailable

Daycare Treatment

Activ One Max

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

VS

Joy

Included for both “JOY Today” and “JOY Tomorrow”.

Consumable Cover

Activ One Max

Yes

VS

Joy

Information Unavailable

AYUSH Treatment

Activ One Max

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

VS

Joy

AYUSH is Not Covered.

Initial Waiting Period

Activ One Max

30 days

VS

Joy

Information Unavailable

Specific Waiting Period

Activ One Max

2 years

VS

Joy

Information Unavailable

PED Waiting Period

Activ One Max

3 years

VS

Joy

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

Joy

Information Unavailable

Annual Health Checkup

Activ One Max

Health check-up is available from the first policy year

VS

Joy

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

Joy

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

Joy

Information Unavailable

Outpatient Department Cover (OPD Expense)

Activ One Max

OPD expense is not included

VS

Joy

Information Unavailable

Deductible Option

Activ One Max

Available as an option

VS

Joy

Information Unavailable

Coverage Options

Activ One Max

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

VS

Joy

Information Unavailable

Claim Settlement Ratio

Activ One Max

96%

VS

Joy

Information Unavailable

Maternity Cover

Activ One Max

Not available

VS

Joy

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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