Insurance Plans Comparison
Aditya Birla Activ One Max vs Star Health Gain
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
Health Gain
Flexible Health Insurance with Hospitalisation and OPD Benefits
What Makes It Special:
Inpatient Hospitalisation and Outpatient Medical Expenses
Best For:
Customers looking for daycare and eligible AYUSH treatment coverage.
Customers who use outpatient services at networked facilities.
Customers seeking flexible Sum Insured options.
Families looking for Individual or Family Floater coverage.
Individuals seeking inpatient and outpatient health insurance benefits.
Insurance Plans Comparison
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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
Check the treatment-specific sublimits.
Review the pre- and post-hospitalisation benefit periods.
Check the selected OPD benefit limit.
Understand the waiting periods for pre-existing diseases and specified treatments.
Review the co-payment applicable to entry age 61 and above.
Check the room rent limit.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Activ One Max Health Insurance Plan VS VS |
![]() Health Gain Health Insurance Plan |
| Room Rent |
|---|
Activ One Max All room categories are covered |
VS VS |
Health Gain
|
| ICU Charges |
|---|
Activ One Max No restriction on ICU room rent |
VS VS |
Health Gain Covered as part of eligible hospitalisation expenses. |
| Co-payment |
|---|
Activ One Max Available as an option |
VS VS |
Health Gain 20% for insured persons whose age at entry is 61 years and above. |
| Disease-wise sublimits |
|---|
Activ One Max No |
VS VS |
Health Gain Sublimits apply to specified treatments, including cataract and listed modern treatments. |
| Cashless Healthcare Providers |
|---|
Activ One Max 11000+ Healthcare Providers |
VS VS |
Health Gain Cashless treatment is available at eligible network hospitals, subject to pre-authorisation. |
| 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 |
Health Gain Not specified. |
| Cumulative Bonus |
|---|
Activ One Max Your sum insured increases by 100% every year up to 500%, maximum 3cr |
VS VS |
Health Gain Not specified. |
| Daycare Treatment |
|---|
Activ One Max Covers medical expenses for treatments not requiring 24-hour hospitalisation, up to your annual sum insured |
VS VS |
Health Gain Eligible daycare procedures are covered, subject to policy terms. |
| Consumable Cover |
|---|
Activ One Max Yes |
VS VS |
Health Gain Not specified. |
| AYUSH Treatment |
|---|
Activ One Max Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
VS VS |
Health Gain Eligible inpatient Ayurveda, Unani, Siddha and Homeopathy treatment is covered, subject to policy terms. |
| Initial Waiting Period |
|---|
Activ One Max 30 days |
VS VS |
Health Gain 30 days, except for covered accident-related claims. |
| Specific Waiting Period |
|---|
Activ One Max 2 years |
VS VS |
Health Gain 24 months for specified diseases and procedures. |
| PED Waiting Period |
|---|
Activ One Max 3 years |
VS VS |
Health Gain 36 months for pre-existing diseases. |
| 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 |
Health Gain Specified modern treatments are covered, subject to policy limits. |
| Annual Health Checkup |
|---|
Activ One Max Health check-up is available from the first policy year |
VS VS |
Health Gain Not specified. |
| 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 |
Health Gain Covered for up to 30 days before hospital admission. |
| 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 |
Health Gain Covered for up to 60 days after discharge. |
| Outpatient Department Cover (OPD Expense) |
|---|
Activ One Max OPD expense is not included |
VS VS |
Health Gain Available at networked facilities in India, up to the selected benefit limit. |
| Deductible Option |
|---|
Activ One Max Available as an option |
VS VS |
Health Gain 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 |
Health Gain Individual and Family Floater. |
| Claim Settlement Ratio |
|---|
Activ One Max 96% |
VS VS |
Health Gain Insurer-level metric, not a policy benefit. |
| Maternity Cover |
|---|
Activ One Max Not available |
VS VS |
Health Gain Maternity expenses are excluded, except for the specified ectopic pregnancy exception. |
Insurance Plans Comparison
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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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