Oneassure

Partner with us

Insurance Plans Comparison

Niva Bupa Aspire Diamond+ 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
Niva Bupa

Aspire Diamond+

Comprehensive health insurance with growing coverage, maternity-related benefits and unlimited post-claim restoration.

What Makes It Special:

Niva Bupa Aspire Diamond+ is designed for people seeking comprehensive hospitalisation cover alongside benefits that can build over time. It includes Booster+, which carries forward unused Base Sum Insured subject to entry-age limits, and ReAssure Forever, which provides unlimited additional cover after the first paid eligible claim. The M-iracle benefit...

Best For:

  • Buyers who want the flexibility to add optional OPD, consumables or international treatment benefits.

  • Policyholders who value unlimited additional cover after the first eligible paid claim.

  • People planning for eligible maternity and parenthood-related expenses.

  • Younger buyers who want unused coverage to accumulate through Booster+.

  • Individuals and families looking for comprehensive hospitalisation coverage.

VS
Aditya Birla

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

Niva Bupa Aspire Diamond+

  • Compare optional benefits and premiums to decide whether WellConsult, Safeguard+, Borderless or other add-ons suit your needs.

  • Check room eligibility and any room-type modification before purchasing, especially if you prefer a higher-category room.

  • Review the co-payment options carefully, as choosing one affects how much of an admissible claim you pay yourself.

  • Consider the M-iracle benefit if maternity, IVF, adoption or surrogacy coverage is important to you; the brochure lists a 24-month waiting period.

  • Choose Diamond+ if you want higher Booster+ accumulation than Gold+ offers at the same entry-age bands.

Aditya Birla Activ One Max

  • 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

Aspire Diamond+
Aspire Diamond+

Health Insurance Plan

Brochure

Policy Wording

VS
Activ One Max
Activ One Max

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Aspire Diamond+

Single private AC room is included as part of base cover. However, you can opt for add-on to upgrade or downgrade the room category

VS

Activ One Max

All room categories are covered

ICU Charges

Aspire Diamond+

No restriction on ICU room rent

VS

Activ One Max

No restriction on ICU room rent

Co-payment

Aspire Diamond+

Available as an option

VS

Activ One Max

Available as an option

Disease-wise sublimits

Aspire Diamond+

No

VS

Activ One Max

No

Cashless Healthcare Providers

Aspire Diamond+

10,000+ Healthcare Providers

VS

Activ One Max

11000+ Healthcare Providers

Restoration Benefit

Aspire Diamond+

Yes, your sum insured restores to 100% unlimited times after your first claim, for both related and unrelated illnesses

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

Aspire Diamond+

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

VS

Activ One Max

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

Cumulative Bonus

Aspire Diamond+

Unutilised sum insured can be carried forward up to 10X (entry age 18–35 yrs), 5X (entry age 36–45 yrs), and 3X (entry age 46+ yrs)

VS

Activ One Max

Your sum insured increases by 100% every year up to 500%, maximum 3cr

AYUSH Treatment

Aspire Diamond+

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

VS

Activ One Max

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

Consumable Cover

Aspire Diamond+

Yes

VS

Activ One Max

Yes

Initial Waiting Period

Aspire Diamond+

30 days

VS

Activ One Max

30 days

Specific Waiting Period

Aspire Diamond+

2 years
 

VS

Activ One Max

2 years

PED Waiting Period

Aspire Diamond+

3 years
 

VS

Activ One Max

3 years

Modern Treatment

Aspire Diamond+

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

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

Aspire Diamond+

Health check-up is available once every policy year, from day 1 of the policy

VS

Activ One Max

Health check-up is available from the first policy year

Pre-Hospitalisation

Aspire Diamond+

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

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

Aspire Diamond+

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

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)

Aspire Diamond+

OPD expense is not included as part of base cover. However, you can opt for an add-on to avail this coverage

VS

Activ One Max

OPD expense is not included

Deductible Option

Aspire Diamond+

Available as an option

VS

Activ One Max

Available as an option

Coverage Options

Aspire Diamond+

Available coverage options: 3L, 5L, 7.5L, 10L, 15L, 20L, 25L, 50L, 1cr

VS

Activ One Max

Available coverage options: ₹5L, ₹7L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr and ₹2 Cr

Claim Settlement Ratio

Aspire Diamond+

92.02%

VS

Activ One Max

96%

Maternity Cover

Aspire Diamond+

Available

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

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

Aspire Diamond+ vs Optima Secure

Aspire Diamond+ vs Super Mediclaim

Aspire Diamond+ vs Health Recharge

Aspire Diamond+ vs Cancer Cover Activ Cancer Secure Plan

Aspire Diamond+ vs Optima Secure Plus

Activ One Max vs Optima Secure

Activ One Max vs Super Mediclaim

Activ One Max vs Health Recharge

Activ One Max vs Cancer Cover Activ Cancer Secure Plan

Activ One Max vs Optima Secure Plus

Oneassure

Health Insurance

Compare Health Insurance Plans

Aspire Diamond+ Vs Activ One Max

Policy Pal

Chat with PolicyPal

Get a free policy review

No pressure. No product push. Just honest advice.