
Aditya Birla Activ One Max
Aditya Birla
7.0/10
OneAssure Rating
7.0/10
OneAssure Rating
Highlighted Features

Unlimited Room Rent
No restrictions on room category, ensuring full coverage for normal and ICU hospitalization expenses up to the sum insured.

Advanced Treatments Coverage
Ensures access to cutting-edge medical procedures like robotic surgeries, stem cell therapy, immunotherapy, and deep brain stimulation, providing financial protection for high-cost critical treatments.
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Our 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 the Plan
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.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent
All room categories are covered
ICU Charges
No restriction on ICU room rent
Disease-wise sublimits
No
Co-Payment
Available as an option
Restoration Benefit
Yes, your sum insured restores to 100% unlimited times after your second claim, for both related and unrelated illnesses
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
Modern Treatments
Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period
Annual Health Checkup
Health check-up is available from the first policy year
Daycare Treatment
Covers medical expenses for treatments not requiring 24-hour hospitalisation, up to your annual sum insured
AYUSH Treatment
Covers AYUSH treatment expenses up to your annual sum insured during the policy period
Pre-Hospitalisation
You get cover for medical tests and doctor visits up to 90 days before hospitalisation, if your main claim is approved
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
Cashless Healthcare Providers
11000+ Healthcare Providers
Coverage Options
Available coverage options: ₹5L, ₹7L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr and ₹2 Cr
Claim Settlement Ratio
93.7%
Maternity Cover
Not available
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.
Non-allopathic treatments outside AYUSH coverage.
Injuries due to hazardous activities or war.
Experimental or unproven medical procedures.
Pregnancy, childbirth, and fertility treatments.
Congenital diseases unless explicitly covered.
Exclusions
Cancer Booster - Provides a lump-sum payout on the diagnosis of cancer offering enhanced financial support for treatment and recovery
Critical Illness Cover - Provides financial protection in case of diagnosis of critical illnesses such as cancer, heart attack, or stroke. Covers specified illnesses with a lump sum payout to support treatment or recovery costs. Available for self, spouse, and children with customizable sum insured options
Personal Accident Cover - Provides financial compensation in case of accidental death or permanent total/partial disability resulting from an accident
Durable Equipment Cover - Covers expenses incurred on medical equipment such as wheelchairs, crutches, or prosthetics prescribed by a doctor for recovery or mobility support
Compassionate Visit - If hospitalization exceeds 10 days for a covered claim, travel costs (up to ₹50,000) for an immediate family member will be reimbursed. Includes spouse, partner, children, or dependent parents.
Per Claim Deductible - Allows policyholders to choose a fixed deductible per claim, which helps reduce premiums. The insurer pays only the amount exceeding the deductible
Chronic Management Program (OPD) - Provides cashless outpatient benefits and support for managing chronic conditions like diabetes, hypertension, asthma, etc., including consultations, diagnostics, and medication
Chronic Care (Day 1 In-patient Hospitalization) - Offers hospitalization coverage from Day 1 for pre-declared chronic conditions, without any waiting period
Preferred Provider Network Discount (PPN) - 10% premium discount applicable for treatment at Preferred Provider Network hospitals
Non-network treatment will have a 10% co-pay
Second Medical Opinion for listed Major Illness - Enables insured members to get a second opinion from expert doctors for critical illnesses such as cancer, organ failure, or heart conditions
Room Rent Type Options - On availing this Optional Cover, the Insured Person shall be eligible to modify the room type category to single private room or shared accomodation
Tele – OPD consultation - Provides access to medical consultations with qualified doctors over phone or video calls, allowing policyholders to seek timely medical advice without visiting a clinic or hospital physically. Ideal for minor illnesses, follow-ups, and managing chronic conditions from the comfort of home
Vaccine Cover - Covers the cost of medically necessary vaccinations, including those for diseases like typhoid, hepatitis, and newer recommended vaccines
Annual Screening Package for Cancer Diagnosed Patients - Offers preventive health check-ups once a year to monitor and manage health risks proactively, tailored to age and medical history
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About the Company
Aditya Birla Health Insurance Company (ABHICL), part of Aditya Birla Capital Ltd., is a trusted health insurance provider backed by the Aditya Birla Group and South Africa’s MMI Holdings. Since starting in 2015, ABHICL has focused on offering unique health plans like Chronic Care (for ongoing illnesses) and Incentivized Wellness, which promotes healthier living by rewarding good habits.
With pre-policy medical checkups for adverse pre-existing conditions, the company ensures tailored coverage and transparency, making it a trusted choice for individuals with specific and specialized health requirements.
Serving 21+ million lives, it combines comprehensive coverage with wellness benefits, empowering individuals to lead healthier lives with unparalleled care and support.