Insurance Plans Comparison
Aditya Birla Activ One Max vs HDFC ERGO Energy Silver Without Copay
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
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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
Energy Silver Without Copay
Cover diabetes and hypertension from day one with no co-pay, pay for your own wellness tests, and get a one-time 100% restore plus a 10% yearly bonus even after claims, up to 100% of the sum insured.
What Makes It Special:
Energy is written specifically for people already diagnosed with Type I or Type II diabetes, pre-diabetes or hypertension, and covers hospitalisation arising out of those conditions from the first day of the policy rather than after a pre-existing disease waiting period; this configuration keeps claims free of co-payment while holding...
Best For:
Buyers who intend to participate in the wellness programme for the renewal discount even though they pay for the tests themselves
People who expect a sizeable hospitalisation, where a 20% co-payment would be costly in absolute terms
Buyers who prioritise full claim settlement over bundled wellness benefits when choosing between the four configurations
Buyers who already get HbA1c and lipid monitoring through an employer scheme or pay for it themselves and do not need the test cost bundled in
Individuals diagnosed with diabetes or hypertension who want day-one cover for that condition without contributing a share of each claim
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
This is an individual-only policy with no floater option, so if a spouse or parent also needs cover, budget for separate policies rather than adding them to this one.
The day-one cover applies to hospitalisation arising out of diabetes and hypertension only, so any other pre-existing condition still waits 24 months and should be declared at proposal.
You still need to undergo the wellness tests to earn reward points and the renewal discount of up to 25%, so factor the test cost into your running cost of the policy.
Compare it against the Silver plan with co-payment by calculating 20% of a realistic claim at your sum insured, because that is the amount the extra premium here buys out.
Compare this against the Gold plan without co-payment by pricing the two wellness tests locally, since the only stated difference between the plans is who bears that cost.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Activ One Max Health Insurance Plan VS VS |
Energy Silver Without Copay Health Insurance Plan |
| Room Rent |
|---|
Activ One Max All room categories are covered |
VS VS |
Energy Silver Without Copay
|
| ICU Charges |
|---|
Activ One Max No restriction on ICU room rent |
VS VS |
Energy Silver Without Copay Not specified. |
| Advanced Treatments |
|---|
Activ One Max Information Unavailable |
VS VS |
Energy Silver Without Copay Includes modern medical procedures like robotic surgery, organ transplants, and advanced cancer treatments for enhanced healthcare access. |
| Co-payment |
|---|
Activ One Max Available as an option |
VS VS |
Energy Silver Without Copay No copayments. Mentioned in the name of the policy itself. |
| Disease-wise sublimits |
|---|
Activ One Max No |
VS VS |
Energy Silver Without Copay Not specified |
| Waiting Period |
|---|
Activ One Max Information Unavailable |
VS VS |
Energy Silver Without Copay
|
| Cashless Healthcare Providers |
|---|
Activ One Max 11000+ Healthcare Providers |
VS VS |
Energy Silver Without Copay 16,000 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 |
Energy Silver Without Copay Restore Benefit stated as available; the restoration amount, number of restorations and conditions are Not specified in the available literature |
| Cumulative Bonus |
|---|
Activ One Max Your sum insured increases by 100% every year up to 500%, maximum 3cr |
VS VS |
Energy Silver Without Copay Not covered — non-medical expenses are excluded |
| Daycare Treatment |
|---|
Activ One Max Covers medical expenses for treatments not requiring 24-hour hospitalisation, up to your annual sum insured |
VS VS |
Energy Silver Without Copay Covered under the policy. |
| Consumable Cover |
|---|
Activ One Max Yes |
VS VS |
Energy Silver Without Copay Not covered — non-medical expenses are excluded |
| AYUSH Treatment |
|---|
Activ One Max Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
VS VS |
Energy Silver Without Copay Covered under this policy |
| Initial Waiting Period |
|---|
Activ One Max 30 days |
VS VS |
Energy Silver Without Copay Not specified. No waiting period applies to hospitalisation arising out of diabetes or hypertension |
| Specific Waiting Period |
|---|
Activ One Max 2 years |
VS VS |
Energy Silver Without Copay 24 months for specified diseases including cataract, hernia, joint replacement surgeries and surgery of hydrocele |
| PED Waiting Period |
|---|
Activ One Max 3 years |
VS VS |
Energy Silver Without Copay 24 months for pre-existing conditions other than diabetes or hypertension; diabetes and hypertension covered from day one. Waiting periods reduce by 1 year on each continuous renewal |
| 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 |
Energy Silver Without Copay Not specified. |
| Annual Health Checkup |
|---|
Activ One Max Health check-up is available from the first policy year |
VS VS |
Energy Silver Without Copay Two wellness tests per policy year are available, but their cost is excluded under the Silver plan and borne by the insured |
| 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 |
Energy Silver Without Copay 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 |
Energy Silver Without Copay 60 days |
| Outpatient Department Cover (OPD Expense) |
|---|
Activ One Max OPD expense is not included |
VS VS |
Energy Silver Without Copay Not covered as a benefit. Reward points can instead reimburse up to 25% of renewal premium towards medical expenses such as consultations, medicines, diagnostics and dental expenses not covered under any medical insurance |
| Deductible Option |
|---|
Activ One Max Available as an option |
VS VS |
Energy Silver Without Copay Not specified |
| Coverage Options |
|---|
Activ One Max Available coverage options: ₹5L, ₹7L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr and ₹2 Cr |
VS VS |
Energy Silver Without Copay Individual only — no family floater option |
| Claim Settlement Ratio |
|---|
Activ One Max 96% |
VS VS |
Energy Silver Without Copay Information Unavailable |
| Maternity Cover |
|---|
Activ One Max Not available |
VS VS |
Energy Silver Without Copay Not covered — pregnancy is excluded |
Insurance Plans Comparison
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Frequently Asked Questions (FAQs)
Having questions? We've got answers. Explore our FAQs to find the information you need.
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