Insurance Plans Comparison
Niva Bupa Health Assurance vs Aditya Birla Activ One Max
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read more
Health Assurance
Choose a listed critical-illness lump sum, accident cover and daily hospital cash as fixed benefits you can combine, with hospital cash paid for each day in hospital up to 45 days a year.
What Makes It Special:
Health Assurance is a Niva Bupa family plan made up of three separate covers. CritiCare pays a lump sum for listed critical illnesses. HospiCash pays a fixed daily cash amount during hospitalisation. AccidentCare pays for accidental death, permanent disability and temporary disability.
Best For:
Buyers who want lifelong renewal on all three covers
Parents who want child education benefits paid on an accidental death or permanent disability of the proposer
Working adults who want accident death, disability and income-loss cover
Buyers who want daily cash to cover incidental costs during a hospital stay
Families who want a lump sum if a listed critical illness is diagnosed
VS
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
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
The sum insured for AccidentCare and TTD is linked to annual income, so check the limits against your income.
Only 2 adults can be covered under a CritiCare family option, so check this before buying for a larger family.
AccidentCare has no waiting period, but it is available only to Risk Class 1 and 2 occupations, with a 50% loading for Risk Class 2.
HospiCash pays a fixed daily amount for up to 45 days a year, so it does not reimburse hospital bills.
CritiCare does not start for 90 days, and a 36-month PED wait applies, so buy early if you have a condition.
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
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Health Assurance Health Insurance Plan VS VS |
Activ One Max Health Insurance Plan |
| Room Rent |
|---|
Health Assurance Normal: Covered up to Sum Insured ICU: Covered up to Sum Insured |
VS VS |
Activ One Max All room categories are covered |
| Advanced Treatments |
|---|
Health Assurance Modern Treatments covered up to Sum Insured |
VS VS |
Activ One Max Information Unavailable |
| ICU Charges |
|---|
Health Assurance Under HospiCash, the ICU cash benefit is double the daily cash benefit for ICU stays, up to 7 days a year. |
VS VS |
Activ One Max No restriction on ICU room rent |
| Co-payment |
|---|
Health Assurance Optional co-payment available |
VS VS |
Activ One Max Available as an option |
| Disease-wise sublimits |
|---|
Health Assurance Information Unavailable |
VS VS |
Activ One Max No |
| Cashless Healthcare Providers |
|---|
Health Assurance 10,000+ Network Hospitals |
VS VS |
Activ One Max 11000+ Healthcare Providers |
| Restoration Benefit |
|---|
Health Assurance Information Unavailable |
VS VS |
Activ One Max Yes, your sum insured restores to 100% unlimited times after your second claim, for both related and unrelated illnesses |
| Daycare Treatment |
|---|
Health Assurance Covered |
VS VS |
Activ One Max Covers medical expenses for treatments not requiring 24-hour hospitalisation, up to your annual sum insured |
| Cumulative Bonus |
|---|
Health Assurance AccidentCare renewal benefit: the sum insured rises by 5% for each claim-free year, up to a total of 25%. Applies to all AccidentCare benefits except TTD and accident hospitalisation. |
VS VS |
Activ One Max Your sum insured increases by 100% every year up to 500%, maximum 3cr |
| AYUSH Treatment |
|---|
Health Assurance Covered up to Sum Insured |
VS VS |
Activ One Max Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Consumable Cover |
|---|
Health Assurance Please refer to the policy wording. |
VS VS |
Activ One Max Yes |
| Initial Waiting Period |
|---|
Health Assurance CritiCare: 90 days. HospiCash: 30 days, except accidents. AccidentCare: none. |
VS VS |
Activ One Max 30 days |
| Specific Waiting Period |
|---|
Health Assurance HospiCash only: 24 months for 17 listed conditions and procedures |
VS VS |
Activ One Max 2 years |
| PED Waiting Period |
|---|
Health Assurance 36 months for CritiCare and HospiCash |
VS VS |
Activ One Max 3 years |
| Modern Treatment |
|---|
Health Assurance Not covered as a separate benefit. AccidentCare Hospitalisation covers surgery, room rent and related costs for accidental injury up to 2% of the AccidentCare sum insured. |
VS VS |
Activ One Max Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
| Annual Health Checkup |
|---|
Health Assurance Kindly refer to the policy wording. |
VS VS |
Activ One Max Health check-up is available from the first policy year |
| Pre-Hospitalisation |
|---|
Health Assurance Information Unavailable |
VS VS |
Activ One Max You get cover for medical tests and doctor visits up to 90 days before hospitalisation, if your main claim is approved |
| Post-Hospitalisation |
|---|
Health Assurance Kindly refer to policy wording. |
VS VS |
Activ One Max You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it |
| Outpatient Department Cover (OPD Expense) |
|---|
Health Assurance Not covered. |
VS VS |
Activ One Max OPD expense is not included |
| Deductible Option |
|---|
Health Assurance Kindly refer to the policy wording. |
VS VS |
Activ One Max Available as an option |
| Coverage Options |
|---|
Health Assurance AccidentCare (individual or family, with optional TTD and accident hospitalisation), CritiCare (individual or family floater, Option 1 lump sum or Option 2 lump sum with staggered payout), HospiCash (individual or family, daily cash). |
VS VS |
Activ One Max Available coverage options: ₹5L, ₹7L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr and ₹2 Cr |
| Claim Settlement Ratio |
|---|
Health Assurance Claim Settlement Ratio (CSR) of 93.3% as a three-year IRDAI weighted average, and 95.6% in recent quarterly company disclosures (Q1 FY 2026-27). |
VS VS |
Activ One Max 96% |
| Maternity Cover |
|---|
Health Assurance Information Unavailable |
VS VS |
Activ One Max 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.
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
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
Most Popular
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.
Explore Our Most Popular Plans
Compare With Other Health Insurance Plans
Health Assurance vs Supreme Senior Premium
Health Assurance vs Energy Silver Without Copay
Health Assurance vs Ultimate
Health Assurance vs EquiCover
Health Assurance vs Optima Secure Global Plus
Health Assurance vs Optima Secure
Health Assurance vs Super Mediclaim
Health Assurance vs Critical Illness Platinum Plan
Health Assurance vs Health Recharge
Health Assurance vs Golden Shield
Health Assurance vs Optima Secure Plus
Health Assurance vs Cancer Cover Activ Cancer Secure Plan
Health Assurance vs LifeTime Health Global
Health Assurance vs Women Care
Health Assurance vs Aspire Diamond+
Health Assurance vs Activate Booster Plan A
Health Assurance vs myHealth Medisure Super Top-up
Health Assurance vs Health Super Saver Standard
Health Assurance vs Active Care Premier
Health Assurance vs ProHealth Accumulate
Health Assurance vs Health Booster SuperTopup Individual Adult 1 Year N
Health Assurance vs Supreme Shine
Health Assurance vs Health Shield 360 Retail
Health Assurance vs Health Cardiac Care Silver & Gold Plan
Health Assurance vs myHealth Suraksha Gold
Health Assurance vs Max Protect Premium
Health Assurance vs Elder Care
Health Assurance vs Young Star Gold
Health Assurance vs Assure
Health Assurance vs Active Fit Plus
Health Assurance vs Cancer Care Platinum
Health Assurance vs Health Connect Elite
Health Assurance vs Arogya Sanjeevani
Health Assurance vs OneHealth Premium
Health Assurance vs ProHealth Prime Protect
Health Assurance vs Optima Lite
Health Assurance vs Medicare Plus
Health Assurance vs Activ Health Platinum Essential
Health Assurance vs GoActive
Health Assurance vs Criti Shield Family Shield
Health Assurance vs Medicare Senior
Health Assurance vs Enhance Super Top-up Two
Health Assurance vs Reassure 3.0
Health Assurance vs Medicare Protect
Health Assurance vs Health AdvantEdge Plus
Health Assurance vs Activ One SAVR
Health Assurance vs Active Assure Diamond
Health Assurance vs Activ One VIP
Health Assurance vs Health Pulse Classic
Health Assurance vs Advantage
Health Assurance vs Mediclaim Insurance Policy
Health Assurance vs iHealth
Health Assurance vs Special Care Gold
Health Assurance vs Energy Gold Without Copay
Health Assurance vs Activ One Max
Health Assurance vs Smart Super Health
Health Assurance vs Classic
Health Assurance vs Activ One Vytl
Health Assurance vs Supreme
Health Assurance vs Freedom
Health Assurance vs Sarvah Pratham
Health Assurance vs Joy Today
Health Assurance vs Medi Classic
Health Assurance vs Activate Booster Plan B
Health Assurance vs Aspire Gold+
Health Assurance vs Health Gain
Health Assurance vs Aspire Platinum+
Health Assurance vs Plus Complete
Health Assurance vs Health Companion Family First Plan
Health Assurance vs Reassure 2.0 Platinum+
Health Assurance vs Reassure 3.0 Elite
Health Assurance vs Enhance Super Top-up One
Health Assurance vs Joy Tomorrow
Health Assurance vs Reassure 3.0 Select
Health Assurance vs Activ One VIP+
Health Assurance vs Red Carpet Senior Citizens
Health Assurance vs Super Surplus Gold
Health Assurance vs Health SuperCharge
Health Assurance vs Health Elite Plus
Health Assurance vs Medicare Premier
Health Assurance vs Family Health Optima
Health Assurance vs Health Companion Variant 2022
Health Assurance vs Health Companion Variant 3
Health Assurance vs Plus Youth
Health Assurance vs ProHealth Prime Advantage
Health Assurance vs Critical Illness Silver Plan
Health Assurance vs Health Premia Gold
Health Assurance vs Health Premia Platinum
Health Assurance vs Comprehensive
Health Assurance vs HeartBeat Enhanced
Health Assurance vs Reassure
Health Assurance vs Complete Health Insurance Health Shield Plus Plan
Health Assurance vs myHealth Suraksha Platinum
Health Assurance vs Health Recharge Super Top Up Plan
Health Assurance vs Supreme Value for Money
Health Assurance vs Supreme Enhance Two
Health Assurance vs Supreme Senior Super
Health Assurance vs Supreme Enhance
Health Assurance vs Reassure 2.0 Gold
Health Assurance vs Active Fit Preferred
Health Assurance vs LifeTime Health
Health Assurance vs Medicare
Health Assurance vs ProHealth Prime Active
Health Assurance vs ProHealth Prime Senior Elite
Health Assurance vs Advanced Top Up
Health Assurance vs Multiplier Health
Health Assurance vs Ultimate (Direct)
Health Assurance vs Young Star
Health Assurance vs Star Women Care Policy
Health Assurance vs Family Plus
Health Assurance vs Sarvah Param
Health Assurance vs Optima Insurance
Health Assurance vs Smart Super Health Assure
Health Assurance vs Criti Shield Plus
Health Assurance vs Health Care Supreme Ultimo
Health Assurance vs Super Star
Health Assurance vs Reassure 3.0 Black
Health Assurance vs Health Guard Platinum
Health Assurance vs Health Guard Gold
Health Assurance vs Elevate (Direct)
Health Assurance vs Senior First Platinum
Health Assurance vs Extra Care Plus Super Top-up
Health Assurance vs Health Care Supreme Smart
Health Assurance vs Medi Classic Gold
Health Assurance vs Smart Health Pro
Health Assurance vs Optima Super Secure
Health Assurance vs Optima Secure Global
Health Assurance vs Special Care
Health Assurance vs Medicare LITE
Health Assurance vs NextGen
Health Assurance vs Health Shield 360
Health Assurance vs SecureHealth
Health Assurance vs Energy Silver With Copay
Health Assurance vs Supreme (Direct)
Health Assurance vs Plus
Health Assurance vs Medicare Select
Health Assurance vs Complete Health Insurance Health Protect Plus Plan
Health Assurance vs myHealth Koti Suraksha
Health Assurance vs Senior
Health Assurance vs myHealth Suraksha Silver
Health Assurance vs Health Booster
Health Assurance vs Complete Health Insurance Health Shield
Health Assurance vs Cardiac Care Platinum
Health Assurance vs Royal Sundaram Lifeline Elite
Health Assurance vs HeartBeat Platinum
Health Assurance vs Supreme Enhance One
Health Assurance vs HeartBeat Gold
Health Assurance vs Health Companion Variant 2
Health Assurance vs Health Companion Variant 1
Health Assurance vs Aspire Titanium+
Health Assurance vs iHealth Plus
Health Assurance vs Reassure 3.0 Classic
Health Assurance vs Senior Health Advantage
Health Assurance vs Health Wallet
Health Assurance vs Elevate
Health Assurance vs Heart
Health Assurance vs Reassure 2.0 Titanium+
Health Assurance vs Diabetes Safe Plan A
Health Assurance vs Reassure 2.0 Bronze+
Health Assurance vs Young Star Silver
Health Assurance vs Enhance Super Top-up
Health Assurance vs Joy
Health Assurance vs Health Elite
Health Assurance vs Supreme Senior Health AdvantEdge
Health Assurance vs Health AdvantEdge
Health Assurance vs Supreme Super Saver
Health Assurance vs Health Insurance Platinum
Activ One Max vs Supreme Senior Premium
Activ One Max vs Energy Silver Without Copay
Activ One Max vs Ultimate
Activ One Max vs EquiCover
Activ One Max vs Optima Secure Global Plus
Activ One Max vs Optima Secure
Activ One Max vs Super Mediclaim
Activ One Max vs Critical Illness Platinum Plan
Activ One Max vs Health Recharge
Activ One Max vs Golden Shield
Activ One Max vs Optima Secure Plus
Activ One Max vs Cancer Cover Activ Cancer Secure Plan
Activ One Max vs LifeTime Health Global
Activ One Max vs Women Care
Activ One Max vs Aspire Diamond+
Activ One Max vs Activate Booster Plan A
Activ One Max vs myHealth Medisure Super Top-up
Activ One Max vs Health Super Saver Standard
Activ One Max vs Active Care Premier
Activ One Max vs ProHealth Accumulate
Activ One Max vs Health Booster SuperTopup Individual Adult 1 Year N
Activ One Max vs Supreme Shine
Activ One Max vs Health Shield 360 Retail
Activ One Max vs Health Cardiac Care Silver & Gold Plan
Activ One Max vs myHealth Suraksha Gold
Activ One Max vs Max Protect Premium
Activ One Max vs Elder Care
Activ One Max vs Young Star Gold
Activ One Max vs Assure
Activ One Max vs Active Fit Plus
Activ One Max vs Cancer Care Platinum
Activ One Max vs Health Connect Elite
Activ One Max vs Arogya Sanjeevani
Activ One Max vs OneHealth Premium
Activ One Max vs ProHealth Prime Protect
Activ One Max vs Optima Lite
Activ One Max vs Medicare Plus
Activ One Max vs Activ Health Platinum Essential
Activ One Max vs GoActive
Activ One Max vs Criti Shield Family Shield
Activ One Max vs Medicare Senior
Activ One Max vs Enhance Super Top-up Two
Activ One Max vs Reassure 3.0
Activ One Max vs Medicare Protect
Activ One Max vs Health AdvantEdge Plus
Activ One Max vs Activ One SAVR
Activ One Max vs Active Assure Diamond
Activ One Max vs Activ One VIP
Activ One Max vs Health Pulse Classic
Activ One Max vs Advantage
Activ One Max vs Mediclaim Insurance Policy
Activ One Max vs iHealth
Activ One Max vs Special Care Gold
Activ One Max vs Energy Gold Without Copay
Activ One Max vs Smart Super Health
Activ One Max vs Classic
Activ One Max vs Activ One Vytl
Activ One Max vs Supreme
Activ One Max vs Freedom
Activ One Max vs Sarvah Pratham
Activ One Max vs Joy Today
Activ One Max vs Medi Classic
Activ One Max vs Activate Booster Plan B
Activ One Max vs Aspire Gold+
Activ One Max vs Health Gain
Activ One Max vs Aspire Platinum+
Activ One Max vs Plus Complete
Activ One Max vs Health Companion Family First Plan
Activ One Max vs Reassure 2.0 Platinum+
Activ One Max vs Reassure 3.0 Elite
Activ One Max vs Enhance Super Top-up One
Activ One Max vs Joy Tomorrow
Activ One Max vs Reassure 3.0 Select
Activ One Max vs Activ One VIP+
Activ One Max vs Red Carpet Senior Citizens
Activ One Max vs Super Surplus Gold
Activ One Max vs Health SuperCharge
Activ One Max vs Health Elite Plus
Activ One Max vs Medicare Premier
Activ One Max vs Family Health Optima
Activ One Max vs Health Companion Variant 2022
Activ One Max vs Health Companion Variant 3
Activ One Max vs Plus Youth
Activ One Max vs ProHealth Prime Advantage
Activ One Max vs Critical Illness Silver Plan
Activ One Max vs Health Premia Gold
Activ One Max vs Health Premia Platinum
Activ One Max vs Comprehensive
Activ One Max vs HeartBeat Enhanced
Activ One Max vs Reassure
Activ One Max vs Complete Health Insurance Health Shield Plus Plan
Activ One Max vs myHealth Suraksha Platinum
Activ One Max vs Health Recharge Super Top Up Plan
Activ One Max vs Supreme Value for Money
Activ One Max vs Supreme Enhance Two
Activ One Max vs Supreme Senior Super
Activ One Max vs Supreme Enhance
Activ One Max vs Reassure 2.0 Gold
Activ One Max vs Active Fit Preferred
Activ One Max vs LifeTime Health
Activ One Max vs Medicare
Activ One Max vs ProHealth Prime Active
Activ One Max vs ProHealth Prime Senior Elite
Activ One Max vs Advanced Top Up
Activ One Max vs Multiplier Health
Activ One Max vs Ultimate (Direct)
Activ One Max vs Young Star
Activ One Max vs Star Women Care Policy
Activ One Max vs Health Assurance
Activ One Max vs Family Plus
Activ One Max vs Sarvah Param
Activ One Max vs Optima Insurance
Activ One Max vs Smart Super Health Assure
Activ One Max vs Criti Shield Plus
Activ One Max vs Health Care Supreme Ultimo
Activ One Max vs Super Star
Activ One Max vs Reassure 3.0 Black
Activ One Max vs Health Guard Platinum
Activ One Max vs Health Guard Gold
Activ One Max vs Elevate (Direct)
Activ One Max vs Senior First Platinum
Activ One Max vs Extra Care Plus Super Top-up
Activ One Max vs Health Care Supreme Smart
Activ One Max vs Medi Classic Gold
Activ One Max vs Smart Health Pro
Activ One Max vs Optima Super Secure
Activ One Max vs Optima Secure Global
Activ One Max vs Special Care
Activ One Max vs Medicare LITE
Activ One Max vs NextGen
Activ One Max vs Health Shield 360
Activ One Max vs SecureHealth
Activ One Max vs Energy Silver With Copay
Activ One Max vs Supreme (Direct)
Activ One Max vs Plus
Activ One Max vs Medicare Select
Activ One Max vs Complete Health Insurance Health Protect Plus Plan
Activ One Max vs myHealth Koti Suraksha
Activ One Max vs Senior
Activ One Max vs myHealth Suraksha Silver
Activ One Max vs Health Booster
Activ One Max vs Complete Health Insurance Health Shield
Activ One Max vs Cardiac Care Platinum
Activ One Max vs Royal Sundaram Lifeline Elite
Activ One Max vs HeartBeat Platinum
Activ One Max vs Supreme Enhance One
Activ One Max vs HeartBeat Gold
Activ One Max vs Health Companion Variant 2
Activ One Max vs Health Companion Variant 1
Activ One Max vs Aspire Titanium+
Activ One Max vs iHealth Plus
Activ One Max vs Reassure 3.0 Classic
Activ One Max vs Senior Health Advantage
Activ One Max vs Health Wallet
Activ One Max vs Elevate
Activ One Max vs Heart
Activ One Max vs Reassure 2.0 Titanium+
Activ One Max vs Diabetes Safe Plan A
Activ One Max vs Reassure 2.0 Bronze+
Activ One Max vs Young Star Silver
Activ One Max vs Enhance Super Top-up
Activ One Max vs Joy
Activ One Max vs Health Elite
Activ One Max vs Supreme Senior Health AdvantEdge
Activ One Max vs Health AdvantEdge
Activ One Max vs Supreme Super Saver
Activ One Max vs Health Insurance Platinum
Related Blogs
Joseph Vijay Announces ₹25 Lakh Health Insurance in Tamil Nadu: What Residents Need to Know
October 26, 2026 | Jaison F Joy
Read MoreDiwali Emergencies and Health Insurance: Are You Covered for Unexpected Hospital Bills?
October 26, 2026 | Jaison F Joy
Read MoreMaking Health Insurance Affordable: Is EMI Really the Best Way?
February 4, 2026 | OneAssure Team
Read MoreInsurance in 2026: Great for Your Wallet, But What’s Still Missing?
February 1, 2026 | OneAssure Team
Read MoreHow India’s Budget 2026 Could Shape the Future of Insurance - A Young Earner’s Guide.
February 1, 2026 | OneAssure Team
Read More.png)
Chat with PolicyPal
Get a free policy review
No pressure. No product push. Just honest advice.