Insurance Plans Comparison
Aditya Birla Activ One Max vs Niva Bupa Health Recharge
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 Recharge
Super top-up health insurance for additional financial protection against hospitalisation expenses.
What Makes It Special:
Niva Bupa Health Recharge is a super top-up plan designed to provide additional health insurance protection after the selected annual aggregate deductible is exhausted. It offers inpatient hospitalisation cover, pre- and post-hospitalisation expenses, daycare treatment, loyalty additions on eligible base cover, and optional personal accident and critical illness benefits.
Best For:
Buyers who want a super top-up plan with loyalty additions on eligible Base Sum Insured.
People looking for optional personal accident or critical illness cover.
Buyers who want to supplement an existing base health insurance policy.
Families seeking a higher total health cover with a chosen deductible.
People who already have employer-provided or individual health insurance and want additional cover.
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
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
Compare the additional premium and coverage limits for optional personal accident and critical illness benefits.
Review the waiting periods and exclusions in the complete policy wording before purchasing.
Confirm the applicable Base Sum Insured, room-rent conditions and any benefit sub-limits.
Check whether your existing health insurance cover and the selected deductible work well together.
Choose a deductible you can comfortably pay before the plan begins contributing.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Activ One Max Health Insurance Plan VS VS |
Health Recharge Health Insurance Plan |
| Room Rent |
|---|
Activ One Max All room categories are covered |
VS VS |
Health Recharge Below ₹5L SI: 1% of SI per day limit; ₹5L+ SI: no monetary cap, single private room eligible. |
| ICU Charges |
|---|
Activ One Max No restriction on ICU room rent |
VS VS |
Health Recharge Covered up to sum insured with no specific restrictions. |
| Co-payment |
|---|
Activ One Max Available as an option |
VS VS |
Health Recharge Not applicable; annual aggregate deductible is the cost-sharing mechanism. |
| Disease-wise sublimits |
|---|
Activ One Max No |
VS VS |
Health Recharge Yes, modern treatments have specific sublimits; mental disorder treatment: 10% SI (max ₹50K) |
| Cashless Healthcare Providers |
|---|
Activ One Max 11000+ Healthcare Providers |
VS VS |
Health Recharge 10,000+ Niva Bupa empanelled network hospitals. |
| 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 Recharge Not available under Health Recharge plan. |
| Cumulative Bonus |
|---|
Activ One Max Your sum insured increases by 100% every year up to 500%, maximum 3cr |
VS VS |
Health Recharge Loyalty Additions: 5% annual increase of base SI up to 50% maximum (only for SI up to ₹25L). |
| Daycare Treatment |
|---|
Activ One Max Covers medical expenses for treatments not requiring 24-hour hospitalisation, up to your annual sum insured |
VS VS |
Health Recharge All eligible day-care treatments covered up to sum insured. |
| Consumable Cover |
|---|
Activ One Max Yes |
VS VS |
Health Recharge Yes, medicines, drugs and consumables as prescribed by treating practitioner. |
| AYUSH Treatment |
|---|
Activ One Max Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
VS VS |
Health Recharge Covers Ayurveda, Yoga, Unani, Siddha, Homoeopathy as in-patient treatment up to base SI. |
| Initial Waiting Period |
|---|
Activ One Max 30 days |
VS VS |
Health Recharge 30 days from first policy commencement (no exception for accidents). |
| Specific Waiting Period |
|---|
Activ One Max 2 years |
VS VS |
Health Recharge 24 months for specified diseases and procedures listed in policy. |
| PED Waiting Period |
|---|
Activ One Max 3 years |
VS VS |
Health Recharge 36 months continuous coverage from policy inception. |
| 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 Recharge Covers oral chemotherapy, robotic surgeries, intra-vitreal injections, deep brain stimulation with per-treatment sub-limits. |
| Annual Health Checkup |
|---|
Activ One Max Health check-up is available from the first policy year |
VS VS |
Health Recharge Not listed as base benefit; health assessment available separately. |
| 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 Recharge Up to 60 days before hospitalisation when related claim is 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 |
Health Recharge Up to 90 days after discharge for eligible medical expenses. |
| Outpatient Department Cover (OPD Expense) |
|---|
Activ One Max OPD expense is not included |
VS VS |
Health Recharge Not available; plan provides unlimited e-consultation and pharmacy/diagnostic access. |
| Deductible Option |
|---|
Activ One Max Available as an option |
VS VS |
Health Recharge Mandatory annual aggregate deductible: ₹10K, ₹25K, ₹50K options available. |
| Coverage Options |
|---|
Activ One Max Available coverage options: ₹5L, ₹7L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr and ₹2 Cr |
VS VS |
Health Recharge ₹2L, ₹3L, ₹4L, ₹5L, ₹7.5L, ₹10L, ₹15L, ₹25L, ₹40L, ₹45L, ₹65L, ₹70L, ₹90L, ₹95L. |
| Claim Settlement Ratio |
|---|
Activ One Max 96% |
VS VS |
Health Recharge 80% |
| Maternity Cover |
|---|
Activ One Max Not available |
VS VS |
Health Recharge Excluded under this policy. |
Insurance Plans Comparison
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Insurance Plans Comparison
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Frequently Asked Questions (FAQs)
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