How does OneAssure help me compare health insurance policies and choose the best plan?

OneAssure allows you to compare multiple health insurance policies side by side, analyzing coverage, premiums, hospital networks, and benefits to choose the most suitable plan for your needs.

What is the difference between cashless and reimbursement claims in health insurance policies?

Cashless claims let you get treatment at network hospitals without paying upfront, while reimbursement claims require you to pay first and get refunded later.

Does OneAssure provide expert guidance while selecting health insurance with maternity or newborn coverage?

Yes, OneAssure’s insurance experts guide you in selecting plans with maternity benefits, newborn cover, and short waiting periods for family planning needs.

How do co-payment clauses impact health insurance premiums and claim settlements?

Co-payment means you share a part of the claim cost. Opting for co-pay lowers your premium but increases your out-of-pocket expenses.

Which health insurance plan offers the best coverage for critical illnesses and pre-existing diseases?

Plans with comprehensive coverage, minimal waiting periods, and optional critical illness riders are ideal. OneAssure helps identify policies that best meet these requirements.

Can I compare waiting periods and sub-limits for hospitalisation expenses on OneAssure?

Yes, OneAssure’s comparison tool highlights waiting periods, sub-limits, and exclusions so you can choose a policy that maximizes benefits and minimizes restrictions.

What are room rent limits in health insurance, and how do they affect claims?

Room rent limits cap the daily room cost covered by your insurer. Choosing a plan without strict limits ensures higher claim payouts.

Does OneAssure assist with health insurance claims and renewals after I purchase a policy?

Absolutely. OneAssure provides end-to-end support for claims, renewals, and queries, ensuring a hassle-free experience throughout your policy tenure.

How can I check if a health insurance plan covers daycare procedures and modern treatments?

OneAssure’s policy comparison clearly lists daycare and advanced treatment coverage, helping you pick a plan aligned with your healthcare needs.

What documents are needed to buy and claim a health insurance policy online via OneAssure?

To buy a policy, you need ID proof, address proof, and medical details. For claims, hospital bills, prescriptions, and discharge summaries are required.

Oneassure

Health Insurance

Compare Health Insurance Plans

Activ One Max Vs Senior

Insurance Plans Comparison

Aditya Birla Activ One Max vs Care Senior

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare coverage, benefits, and premiums to find the perfect plan for your needs.

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

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

Senior

Health Insurance for Senior Citizens 60+ with Lifelong Renewability

What Makes It Special:

Care Senior is tailored specifically for the healthcare requirements of senior citizens aged 60 and above.

Best For:

Customers wanting automatic recharge protection
Families covering elderly parents
Elderly individuals seeking senior-specific health screening benefits
Buyers looking for health insurance with no upper entry age cap
Senior citizens aged 60 and above

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.

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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 Senior

Senior health screening included
Inbuilt 1-time automatic sum insured recharge
Includes a mandatory 20% co-payment per claim
Pre-existing disease waiting period is 48 months (or 24 months based on option)
Entry starts from age 60 with no maximum entry age limit

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Activ One Max

Health Insurance Plan

Brochure

Policy Wording

VS

Senior

Health Insurance Plan

Brochure

Room Rent
Activ One Max All room categories are covered	Senior Room rent is covered up to the sum insured, subject to the applicable room-category terms of the plan.

ICU Charges
Activ One Max No restriction on ICU room rent	Senior ICU charges are covered up to your sum insured during the policy period.

Co-payment
Activ One Max Available as an option	Senior 20% co-payment is applicable on all claims. An additional 20% co-payment applies for treatment taken outside Smart Select network hospitals.

Disease-wise sublimits
Activ One Max No	Senior Yes, sublimits apply to specified diseases and treatments as per the policy terms.

Cashless Healthcare Providers
Activ One Max 11000+ Healthcare Providers	Senior 22,100+ cashless healthcare 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	Senior Yes, your sum insured is automatically recharged by an amount equal to the opted sum insured, unlimited times during the policy year, for related or unrelated illnesses.

Cumulative Bonus
Activ One Max Your sum insured increases by 100% every year up to 500%, maximum 3cr	Senior Your sum insured increases by 10% for every claim-free year, up to a maximum of 50% of the sum insured.

Daycare Treatment
Activ One Max Covers medical expenses for treatments not requiring 24-hour hospitalisation, up to your annual sum insured	Senior Covers all eligible Day Care Procedures, including treatments such as cataract, chemotherapy, dialysis and stone removal, up to your sum insured.

Consumable Cover
Activ One Max Yes	Senior Consumable expenses are not covered under the plan.

AYUSH Treatment
Activ One Max Covers AYUSH treatment expenses up to your annual sum insured during the policy period	Senior Covers AYUSH treatment expenses up to your sum insured, subject to the policy terms and treatment being taken at an AYUSH-certified facility.

Initial Waiting Period
Activ One Max 30 days	Senior 30 days for illnesses, except injuries caused by an accident.

Specific Waiting Period
Activ One Max 2 years	Senior 2 years for specified named ailments.

PED Waiting Period
Activ One Max 3 years	Senior 3 years for pre-existing diseases.

Modern Treatment
Activ One Max Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period	Senior Modern treatment methods are not covered under the plan.

Annual Health Checkup
Activ One Max Health check-up is available from the first policy year	Senior Annual health check-up is available for all insured members.

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	Senior You get cover for medical expenses up to 60 days before hospitalisation, subject to the main hospitalisation claim being admissible.

Post-Hospitalisation
Activ One Max You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it	Senior You get cover for medical expenses up to 180 days after discharge from the hospital.

Outpatient Department Cover (OPD Expense)
Activ One Max OPD expense is not included	Senior OPD expense is not included.

Deductible Option
Activ One Max Available as an option	Senior Not available as a standard deductible option.

Coverage Options
Activ One Max Available coverage options: ₹5L, ₹7L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr and ₹2 Cr	Senior Available coverage options: ₹3L, ₹5L, ₹7L and ₹10L.

Claim Settlement Ratio
Activ One Max 96%	Senior 96.74% for FY 2024-25.

Maternity Cover
Activ One Max Not available	Senior Not available.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Activ One Max

Health Insurance Plan

Brochure

Policy Wording

VS

Senior

Health Insurance Plan

Brochure

Room Rent
Activ One Max All room categories are covered
VS VS
Senior Room rent is covered up to the sum insured, subject to the applicable room-category terms of the plan.

ICU Charges
Activ One Max No restriction on ICU room rent
VS VS
Senior ICU charges are covered up to your sum insured during the policy period.

Co-payment
Activ One Max Available as an option
VS VS
Senior 20% co-payment is applicable on all claims. An additional 20% co-payment applies for treatment taken outside Smart Select network hospitals.

Disease-wise sublimits
Activ One Max No
VS VS
Senior Yes, sublimits apply to specified diseases and treatments as per the policy terms.

Cashless Healthcare Providers
Activ One Max 11000+ Healthcare Providers
VS VS
Senior 22,100+ cashless healthcare 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 VS
Senior Yes, your sum insured is automatically recharged by an amount equal to the opted sum insured, unlimited times during the policy year, for related or unrelated illnesses.

Cumulative Bonus
Activ One Max Your sum insured increases by 100% every year up to 500%, maximum 3cr
VS VS
Senior Your sum insured increases by 10% for every claim-free year, up to a maximum of 50% of the sum insured.

Daycare Treatment
Activ One Max Covers medical expenses for treatments not requiring 24-hour hospitalisation, up to your annual sum insured
VS VS
Senior Covers all eligible Day Care Procedures, including treatments such as cataract, chemotherapy, dialysis and stone removal, up to your sum insured.

Consumable Cover
Activ One Max Yes
VS VS
Senior Consumable expenses are not covered under the plan.

AYUSH Treatment
Activ One Max Covers AYUSH treatment expenses up to your annual sum insured during the policy period
VS VS
Senior Covers AYUSH treatment expenses up to your sum insured, subject to the policy terms and treatment being taken at an AYUSH-certified facility.

Initial Waiting Period
Activ One Max 30 days
VS VS
Senior 30 days for illnesses, except injuries caused by an accident.

Specific Waiting Period
Activ One Max 2 years
VS VS
Senior 2 years for specified named ailments.

PED Waiting Period
Activ One Max 3 years
VS VS
Senior 3 years for pre-existing diseases.

Modern Treatment
Activ One Max Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period
VS VS
Senior Modern treatment methods are not covered under the plan.

Annual Health Checkup
Activ One Max Health check-up is available from the first policy year
VS VS
Senior Annual health check-up is available for all insured members.

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 VS
Senior You get cover for medical expenses up to 60 days before hospitalisation, subject to the main hospitalisation claim being admissible.

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 VS
Senior You get cover for medical expenses up to 180 days after discharge from the hospital.

Outpatient Department Cover (OPD Expense)
Activ One Max OPD expense is not included
VS VS
Senior OPD expense is not included.

Deductible Option
Activ One Max Available as an option
VS VS
Senior Not available as a standard deductible option.

Coverage Options
Activ One Max Available coverage options: ₹5L, ₹7L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr and ₹2 Cr
VS VS
Senior Available coverage options: ₹3L, ₹5L, ₹7L and ₹10L.

Claim Settlement Ratio
Activ One Max 96%
VS VS
Senior 96.74% for FY 2024-25.

Maternity Cover
Activ One Max Not available
VS VS
Senior 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.

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Your Enquiry

Name

Phone Number

Email

Your Enquiry

Why Choose Our Expert Consultation?

End-to-End Support

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

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

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

24/7 Claim Assistance

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

End-to-End Support

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

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

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

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

Secure against age-related medical costs
Tailored for seniors healthcare needs

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

Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs

Senior Citizen Health Plan

Secure against age-related medical costs
Tailored for seniors healthcare needs

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

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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Oneassure

Health Insurance

Compare Health Insurance Plans

Activ One Max Vs Senior