Insurance Plans Comparison
Aditya Birla Activ One Max vs Niva Bupa Health Pulse Classic
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreActiv 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
Health Pulse Classic
Niva Bupa Health Pulse Classic
What Makes It Special:
A value-focused health plan with Loyalty Additions, a Re-fill benefit and optional add-ons, with a 20% co-payment applying only in specified cities.
Best For:
Customers comfortable with room rent limits on lower Sum Insured options.
Adults aged 18 to 65 years buying a new policy, subject to eligibility.
People who want the option to add Personal Accident or Critical Illness cover.
Buyers who want their cover to grow through annual Loyalty Additions.
First-time buyers looking for straightforward hospitalisation coverage.
Families outside Delhi NCR, Mumbai, Kolkata and Gujarat who want to avoid the plan's city-specific co-payment.
Insurance Plans Comparison
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Quick Decision Guide
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
The available Sum Insured options for Classic above ₹10 Lakh need confirmation because the prospectus and sales sheet differ.
There is no deductible option.
Maternity and general OPD treatment are not covered.
Pre-existing diseases have a 36-month waiting period.
Listed specified conditions have a 24-month waiting period.
Pre-hospitalisation cover is limited to 30 days and post-hospitalisation cover to 60 days.
For ₹3 Lakh and ₹4 Lakh cover, room rent is limited to 1% of the Base Sum Insured per day and ICU charges to 2% per day.
A 20% co-payment applies to treatment in Delhi NCR, Mumbai including Navi Mumbai and Thane, Kolkata and Gujarat.
Optional Personal Accident, Critical Illness, Hospital Cash and unlimited e-Consultation benefits are available at additional premiums.
Mental illness, HIV/AIDS, domiciliary treatment and modern treatments are covered, with specified sublimits and waiting periods.
A single private room is covered for Sum Insured of ₹5 Lakh and above.
Re-fill of up to 100% of the Base Sum Insured is available for a different illness or injury. Optional Enhanced Re-fill increases it to 150%.
Loyalty Additions add 10% of the Base Sum Insured every policy year, up to 100%.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Activ One Max Health Insurance Plan VS VS |
Health Pulse Classic Health Insurance Plan |
| Room Rent |
|---|
Activ One Max All room categories are covered |
VS VS |
Health Pulse Classic
|
| ICU Charges |
|---|
Activ One Max No restriction on ICU room rent |
VS VS |
Health Pulse Classic Information Unavailable |
| Advanced Treatments |
|---|
Activ One Max Information Unavailable |
VS VS |
Health Pulse Classic Including robotic surgeries, stem cell therapy (for specific conditions), and modern procedures like laser treatments and bariatric surgery. |
| Co-payment |
|---|
Activ One Max Available as an option |
VS VS |
Health Pulse Classic A 20% co-payment applies for treatments in Zone 2. Additionally, policyholders can opt for a 10% or 20% co-payment, which does not reduce the sum insured. |
| Disease-wise sublimits |
|---|
Activ One Max No |
VS VS |
Health Pulse Classic Information Unavailable |
| Waiting Period |
|---|
Activ One Max Information Unavailable |
VS VS |
Health Pulse Classic
|
| Cashless Healthcare Providers |
|---|
Activ One Max 11000+ Healthcare Providers |
VS VS |
Health Pulse Classic 10675+ network hospitals in India. |
| 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 |
Health Pulse Classic Information Unavailable |
| Cumulative Bonus |
|---|
Activ One Max Your sum insured increases by 100% every year up to 500%, maximum 3cr |
VS VS |
Health Pulse Classic Information Unavailable |
| Daycare Treatment |
|---|
Activ One Max Covers medical expenses for treatments not requiring 24-hour hospitalisation, up to your annual sum insured |
VS VS |
Health Pulse Classic Covered by the policy. |
| Consumable Cover |
|---|
Activ One Max Yes |
VS VS |
Health Pulse Classic Information Unavailable |
| AYUSH Treatment |
|---|
Activ One Max Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
VS VS |
Health Pulse Classic Covered by the policy. |
| Initial Waiting Period |
|---|
Activ One Max 30 days |
VS VS |
Health Pulse Classic Information Unavailable |
| Specific Waiting Period |
|---|
Activ One Max 2 years |
VS VS |
Health Pulse Classic Information Unavailable |
| PED Waiting Period |
|---|
Activ One Max 3 years |
VS VS |
Health Pulse Classic 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 VS |
Health Pulse Classic Information Unavailable |
| Annual Health Checkup |
|---|
Activ One Max Health check-up is available from the first policy year |
VS VS |
Health Pulse Classic 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 VS |
Health Pulse Classic 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 VS |
Health Pulse Classic Information Unavailable |
| Outpatient Department Cover (OPD Expense) |
|---|
Activ One Max OPD expense is not included |
VS VS |
Health Pulse Classic Information Unavailable |
| Deductible Option |
|---|
Activ One Max Available as an option |
VS VS |
Health Pulse Classic Information Unavailable |
| Coverage Options |
|---|
Activ One Max Available coverage options: ₹5L, ₹7L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr and ₹2 Cr |
VS VS |
Health Pulse Classic Information Unavailable |
| Claim Settlement Ratio |
|---|
Activ One Max 96% |
VS VS |
Health Pulse Classic Information Unavailable |
| Maternity Cover |
|---|
Activ One Max Not available |
VS VS |
Health Pulse Classic Information Unavailable |
Insurance Plans Comparison
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Frequently Asked Questions (FAQs)
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