Oneassure

Partner with us

Insurance Plans Comparison

Aditya Birla Activ One VIP vs Care Classic

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

Read more
Aditya Birla

Activ One VIP

Activ One VIP Plan

What Makes It Special:

Activ One VIP is the global-cover-oriented Activ One variant, combining domestic health insurance with emergency international coverage and specified major-illness and maternity benefits outside India.

Best For:

  • Advanced treatment and wellness plan

  • Unlimited sum insured restoration

  • Family floater with extensive benefits

  • Ultra-high coverage health insurance

VS
Care

Classic

Comprehensive Family Health Insurance with Unlimited Recharge and Extensive Hospitalisation Coverage

What Makes It Special:

Care Classic is a family-focused health insurance plan offering comprehensive hospitalisation coverage, unlimited automatic recharge, 60-day pre-hospitalisation and 180-day post-hospitalisation coverage, AYUSH benefits, annual health check-ups, and a cumulative bonus of up to 150% of the Base Sum Insured, subject to policy terms.

Best For:

  • Customers looking for long-term coverage benefits – The plan offers a cumulative bonus that can increase up to 150% of the Base Sum Insured, subject to policy terms.

  • Those preferring higher room eligibility – Suitable for eligible Sum Insured options offering a Single Private A/C Room.

  • Customers seeking extensive hospitalisation coverage – Includes pre- and post-hospitalisation, daycare, AYUSH and other eligible medical expenses.

  • Families seeking comprehensive health coverage – Suitable for families wanting a single floater policy with broad hospitalisation benefits.

  • People wanting unlimited recharge – Useful for those who want the Sum Insured to be replenished multiple times during a policy year, subject to terms.

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 VIP

  • You enjoy wellness rewards and annual health check-ups from day one

  • You value maternity and modern medical treatments

  • You want freedom with no room rent or co-payment limits

  • You prefer unlimited sum insured refills (Super Reload)

  • You want very high medical coverage up to ₹6 crore

Care Classic

  • Review the applicable room-rent, treatment sub-limits and waiting periods before purchasing, particularly the 36-month PED waiting period.

  • Check the plan carefully if maternity coverage is a priority, as maternity expenses are not covered.

  • Consider it if you want AYUSH treatment and annual health check-up benefits.

  • Choose it if 60-day pre- and 180-day post-hospitalisation coverage is important to you.

  • Choose Care Classic if you want family floater coverage with unlimited automatic recharge.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Activ One VIP
Activ One VIP

Health Insurance Plan

Brochure

Policy Wording

VS
Classic
Classic

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Activ One VIP

All room categories are covered

VS

Classic

Single Private A/C Room for SI ≥ ₹5 lakh.

ICU Charges

Activ One VIP

No restriction on ICU room rent

VS

Classic

No limit for SI ≥ ₹5 lakh.

Disease-wise sublimits

Activ One VIP

No

VS

Classic

Standard sublimits apply

Co-payment

Activ One VIP

Yes


VS

Classic

Optional

Cashless Healthcare Providers

Activ One VIP

11000+ Healthcare Providers

VS

Classic

10000+ network hospitals.

Restoration Benefit

Activ One VIP

Not available

VS

Classic

Standard No-Claim Bonus.

Daycare Treatment

Activ One VIP

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

VS

Classic

All Day Care Procedures are covered, subject to policy terms.

Cumulative Bonus

Activ One VIP

Your sum insured increases by 50% every year, maximum up to 100%

VS

Classic

25% of Base SI for each claim-free year, up to a maximum of 150% of Base SI.

Consumable Cover

Activ One VIP

Yes

VS

Classic

Not Available

AYUSH Treatment

Activ One VIP

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

VS

Classic

Covered

Initial Waiting Period

Activ One VIP

30 days

VS

Classic

30 days

Specific Waiting Period

Activ One VIP

2 years

VS

Classic

24 months

PED Waiting Period

Activ One VIP

3 years

VS

Classic

36 months

Modern Treatment

Activ One VIP

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

VS

Classic

Covered up to the Sum Insured, subject to applicable policy terms/sub-limits for specified advanced technology methods. Care specifically says advanced technology treatment is subject to the applicable sub-limit.

Annual Health Checkup

Activ One VIP

Not available

VS

Classic

Available as add-on

Pre-Hospitalisation

Activ One VIP

You get cover for medical tests and doctor visits up to 90 days before hospitalisation, if your main claim is approved

VS

Classic

60 days

Post-Hospitalisation

Activ One VIP

You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it

VS

Classic

180 days post-discharge

Outpatient Department Cover (OPD Expense)

Activ One VIP

OPD expenses are covered

VS

Classic

Optional Add-on

Deductible Option

Activ One VIP

Not available

VS

Classic

Available

Coverage Options

Activ One VIP

Available coverage options: ₹50 Lacs, ₹75 Lacs, ₹1 Cr, ₹2 Cr, ₹3 Cr, ₹4 Cr, ₹5 Cr, ₹6 Cr

VS

Classic

Individual or Family Floater

Claim Settlement Ratio

Activ One VIP

96%

VS

Classic

95.45%

Maternity Cover

Activ One VIP

Available

VS

Classic

Maternity/childbirth is excluded. The current Care Classic page specifically excludes expenses attributable to childbirth, including complicated deliveries and Caesarean sections, except ectopic pregnancy.

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

Compare With Other Health Insurance Plans

Activ One VIP vs Optima Secure

Activ One VIP vs Optima Secure Plus

Activ One VIP vs Cancer Cover Activ Cancer Secure Plan

Activ One VIP vs Women Care

Activ One VIP vs Activate Booster Plan A

Classic vs Optima Secure

Classic vs Optima Secure Plus

Classic vs Cancer Cover Activ Cancer Secure Plan

Classic vs Women Care

Classic vs Activate Booster Plan A

Oneassure

Health Insurance

Compare Health Insurance Plans

Activ One Vip Vs Classic

Policy Pal

Chat with PolicyPal

Get a free policy review

No pressure. No product push. Just honest advice.