How does the waiting period affect my coverage?

The policy has a 30-day initial, 2-year specific disease, and 3-year pre-existing condition waiting period.

What happens if I don’t use my health insurance benefits for the entire year?

A cumulative bonus or increased sum insured rewards policyholders for maintaining good health annually.

Will my health insurance cover treatment abroad?

The policy covers treatment only in India; international medical expenses are not included.

Are there any add-ons available with Aditya Birla Activ One Max?

Yes, the Activ One Max plan offers optional add-ons such as Critical Illness, Chronic Care, Personal Accident, and Cancer Booster.

Does Aditya Birla Activ One Max cover critical illnesses?

Yes, the Activ One Max plan provides coverage for critical illnesses, including options for up to 64 listed conditions.

OneAssure

Health Insurance

Aditya Birla

Activ One Max

Aditya Birla Activ One Max

Experience India's most trusted health insurance with Aditya Birla Health Insurance. Get instant cashless treatment at 11000 network hospitals with sum insured up to ₹50 lakhs.

96

Claim Settlement Ratio

11000

Network Hospitals

7

Customer Rating

Policy Brochure

Policy Policy Wording

Get a Quote

96

Claim Settlement Ratio

11000

Network Hospitals

7

Customer Rating

Policy Brochure

Policy Policy Wording

Our Verdict

Expert Review: Aditya Birla Health Insurance

Final Verdict

The Activ One Max Plan offers extensive coverage, including home nursing, critical illness, and chronic care benefits. Ideal for individuals 91 days and older seeking comprehensive health and wellness support.

About

About Aditya Birla Health Insurance

The Activ One Max Plan by Aditya Birla Health Insurance offers coverage from ₹2 lakhs to ₹6 crores, including in-patient hospitalization, 30-day pre-hospitalization, 60-day post-hospitalization, and 586 daycare treatments. It provides nursing at home benefits, a personal health coach, and HealthReturns, rewarding policyholders for staying active. Optional covers include chronic care, personal accident, critical illness, and cancer booster. The plan is available for individuals 91 days and older, with 1, 2, or 3-year tenure options and no maximum entry age.

The Activ One Max Plan by Aditya Birla Health Insurance offers coverage from ₹2 lakhs to ₹6 crores, including in-patient hospitalization, 30-day pre-hospitalization, 60-day post-hospitalization, and 586 daycare treatments. It provides nursing at home benefits, a personal health coach, and HealthReturns, rewarding policyholders for staying active. Optional covers include chronic care, personal accident, critical illness, and cancer booster. The plan is available for individuals 91 days and older, with 1, 2, or 3-year tenure options...

Max Ratings

Max

Insurer Rating

5.55

out of 10

Insurance Rating

10

out of 10

No Room Rent Limit

Yes

Consumables Covered

Yes

No Co-payment

Yes

Loyalty Bonus >= 500%

Yes

No Disease Sublimits

Yes

Unlimited Restoration

Yes

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

No

Waiting Period Waiver

Yes

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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Inclusions and Exclusions

Inclusions and Exclusions of Aditya Birla Insurance Company Limited

Modern Treatment

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

ICU Charges

No restriction on ICU room rent

Cumulative Bonus

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

Consumable Cover

Yes

Initial Waiting Period

30 days

Specific Waiting Period

2 years

PED Waiting Period

3 years

Annual Health Checkup

Health check-up is available from the first policy year

Post-Hospitalisation

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

Outpatient Department Cover (OPD Expense)

OPD expense is not included

Deductible Option

Available as an option

Coverage Options

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

Maternity Cover

Not available

AYUSH Treatment

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

Co-payment

Available as an option

Pre-Hospitalisation

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

Claim Settlement Ratio

96%

Room Rent

All room categories are covered

Cashless Healthcare Providers

11000+ Healthcare Providers

Daycare Treatment

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

Disease-wise sublimits

No

Restoration Benefit

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

Modern Treatment

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

ICU Charges

No restriction on ICU room rent

Cumulative Bonus

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

Exclusions

Pre-existing diseases during the waiting period.
Cosmetic and aesthetic treatments.
Dental, hearing, and vision expenses unless specified.
Self-inflicted injuries or suicide attempts.
Treatment related to alcohol or drug abuse.

Add ons

Add-Ons

Chronic Care (Day 1 In-patient Hospitalization)

Chronic Management Program (OPD)

Pre Existing Diseases

Critical Illness Cover

Air Ambulance

Unlimited Care

Cancer Booster

Compassionate Visit

Insurance Premium Calculator

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About the company

Aditya Birla Health Insurance, part of the Aditya Birla Capital Group, is among India’s most reliable and customer-centric health insurers. The company aims to go beyond basic protection by focusing on preventive healthcare, wellness programs, and rewards for maintaining a healthy lifestyle. It provides a wide range of health plans for individuals, families, and senior citizens, offering flexible sum insured options and comprehensive benefits. With a strong network of over 8,000 hospitals across India, Aditya Birla ensures easy access to quality medical care through a smooth cashless claim process. The insurer also offers features like chronic care management, annual health...

Aditya Birla Health Insurance, part of the Aditya Birla Capital Group, is among India’s most reliable and customer-centric health insurers. The company aims to go beyond basic protection by focusing on preventive healthcare, wellness programs, and rewards for maintaining a healthy lifestyle. It provides a wide range of health plans for individuals, families, and senior citizens, offering flexible sum insured options and comprehensive benefits. With a strong network of over 8,000 hospitals across India, Aditya...

FAQs

Frequently Asked Questions

Got questions about health insurance? You’re not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.