Insurance Plans Comparison
Aditya Birla Activ One Max vs Niva Bupa Reassure 3.0 Black
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
Reassure 3.0 Black
Premium health insurance coverage with unlimited sum-insured options, flexible co-payment and deductible choices, and additional benefits subject to policy terms.
What Makes It Special:
Niva Bupa ReAssure 3.0 Black is the Black variant of the ReAssure 3.0 health insurance product. The supplied brochure lists coverage for hospitalisation expenses, modern treatments, AYUSH treatment, pre- and post-hospitalisation expenses, and ambulance services. It also describes benefits such as Lock the Clock, Live Healthy, Cash-Bag+, and optional Wellconsult+,...
Best For:
Buyers who want to explore premium-related benefits such as Lock the Clock and claim-free-year cashback through Cash-Bag+, subject to the applicable terms.
Individuals interested in additional benefits such as OPD services through Wellconsult+ or non-payable-item coverage through Claim Safeguard+, where available.
Buyers who value any-room coverage, as listed for the Black variant in the brochure.
Individuals who prefer the flexibility to choose a co-payment percentage or annual aggregate deductible.
Buyers seeking a health insurance plan with unlimited sum-insured options, subject to availability and policy conditions.
Insurance Plans Comparison
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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
Optional benefits and exclusions: Confirm the availability and cost of Wellconsult+, Claim Safeguard+, Borderless, and other optional benefits, along with their individual limits and exclusions.
Room eligibility and network: Verify the any-room benefit, room-category restrictions, network hospitals, and potential co-payment when specified conditions are not met.
Co-payment and deductibles: Compare the available percentages and deductible amounts. Understand how these affect the amount payable during a claim.
Waiting periods: Check the initial waiting period, specific-disease waiting periods, and pre-existing disease waiting period. Confirm whether any optional modification has been accepted.
Sum insured: Confirm the available sum-insured options, premium, and the precise meaning of unlimited coverage under the policy.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Activ One Max Health Insurance Plan VS VS |
Reassure 3.0 Black Health Insurance Plan |
| Room Rent |
|---|
Activ One Max All room categories are covered |
VS VS |
Reassure 3.0 Black Any room category covered up to SI with no room-type capping. |
| ICU Charges |
|---|
Activ One Max No restriction on ICU room rent |
VS VS |
Reassure 3.0 Black Covered as part of hospitalisation expenses up to applicable SI |
| Co-payment |
|---|
Activ One Max Available as an option |
VS VS |
Reassure 3.0 Black Optional: 0%, 10%, 20%, 30%, 40%, 50% choices available. |
| Disease-wise sublimits |
|---|
Activ One Max No |
VS VS |
Reassure 3.0 Black No general disease-wise sublimit specified |
| Cashless Healthcare Providers |
|---|
Activ One Max 11000+ Healthcare Providers |
VS VS |
Reassure 3.0 Black Available through Niva Bupa 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 |
Reassure 3.0 Black ReAssure Forever: Base SI restored after first claim, unlimited times for life. |
| Cumulative Bonus |
|---|
Activ One Max Your sum insured increases by 100% every year up to 500%, maximum 3cr |
VS VS |
Reassure 3.0 Black Booster+ add on: Accumulates up to 10X base SI carried forward annually. |
| Daycare Treatment |
|---|
Activ One Max Covers medical expenses for treatments not requiring 24-hour hospitalisation, up to your annual sum insured |
VS VS |
Reassure 3.0 Black Eligible Day Care Treatments covered under hospitalisation benefit. |
| Consumable Cover |
|---|
Activ One Max Yes |
VS VS |
Reassure 3.0 Black Yes, medicines, drugs and consumables included in hospitalisation expenses. |
| AYUSH Treatment |
|---|
Activ One Max Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
VS VS |
Reassure 3.0 Black Covers AYUSH hospitalisation up to applicable SI |
| Initial Waiting Period |
|---|
Activ One Max 30 days |
VS VS |
Reassure 3.0 Black 30 days (standard terms apply). |
| Specific Waiting Period |
|---|
Activ One Max 2 years |
VS VS |
Reassure 3.0 Black Standard period with option to modify to 12 or 36 months. |
| PED Waiting Period |
|---|
Activ One Max 3 years |
VS VS |
Reassure 3.0 Black Standard 36 months with option to modify to 12 or 24 months |
| 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 |
Reassure 3.0 Black Covers robotic surgery, oral chemotherapy, stereotactic radiosurgery, deep brain stimulation, intravitreal injections up to applicable SI. |
| Annual Health Checkup |
|---|
Activ One Max Health check-up is available from the first policy year |
VS VS |
Reassure 3.0 Black Not in Black variant base; NivaBupaOne provides Executive Health Assessment 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 |
Reassure 3.0 Black Up to 60 days before hospitalisation when related to approved claim. |
| 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 |
Reassure 3.0 Black Up to 180 days after discharge for related eligible medical expenses. |
| Outpatient Department Cover (OPD Expense) |
|---|
Activ One Max OPD expense is not included |
VS VS |
Reassure 3.0 Black Not in base; Wellconsult+ available as optional OPD benefit. |
| Deductible Option |
|---|
Activ One Max Available as an option |
VS VS |
Reassure 3.0 Black Annual Aggregate Deductible available: ₹10K to ₹5L range. |
| Coverage Options |
|---|
Activ One Max Available coverage options: ₹5L, ₹7L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr and ₹2 Cr |
VS VS |
Reassure 3.0 Black ₹5L, ₹10L, Unlimited SI. |
| Claim Settlement Ratio |
|---|
Activ One Max 96% |
VS VS |
Reassure 3.0 Black 80% |
| Maternity Cover |
|---|
Activ One Max Not available |
VS VS |
Reassure 3.0 Black Not in standard Black variant benefits. |
Insurance Plans Comparison
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