How does the waiting period affect my coverage?

The plan has a 30-day waiting period, with pre-existing conditions covered after 48 months and certain specified illnesses after 24 months. This ensures long-term coverage and mitigates misuse.

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

The No Claim Bonus increases your sum insured by a fixed percentage each year for claim-free periods, offering additional coverage and greater financial security for future medical expenses.

Does the Active Plus One Max plan cover treatment abroad?

The plan provides coverage within India, with optional add-ons offering limited international emergency coverage. Consider additional global health coverage or check with the insurer for international options.

OneAssure

Health Insurance

Aditya Birla

Activ One Max Plus

Aditya Birla Activ One Max Plus

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

8.4

Customer Rating

Policy Brochure

Get a Quote

96

Claim Settlement Ratio

11000

Network Hospitals

8.4

Customer Rating

Policy Brochure

Our Verdict

Expert Review: Aditya Birla Health Insurance

Final Verdict

Activ One Plus Max provides global coverage, wellness benefits, and chronic care from day one, ideal for families seeking premium protection. However, higher premiums and optional add-ons may increase costs significantly.

About

About Aditya Birla Health Insurance

The Aditya Birla Activ One Plus Max Plan is a premium health insurance solution designed to provide extensive coverage for families, ensuring financial security and access to quality healthcare. This plan offers high sum insured options and includes a wide range of benefits such as inpatient hospitalization, pre- and post-hospitalization expenses, daycare treatments, and AYUSH coverage. Unique features include global coverage for specified treatments, wellness coaching, annual health check-ups, and rewards for leading a healthy lifestyle. The plan also provides options for enhancing protection with critical illness and accident riders. With cashless hospitalization across a vast network of hospitals and...

The Aditya Birla Activ One Plus Max Plan is a premium health insurance solution designed to provide extensive coverage for families, ensuring financial security and access to quality healthcare. This plan offers high sum insured options and includes a wide range of benefits such as inpatient hospitalization, pre- and post-hospitalization expenses, daycare treatments, and AYUSH coverage. Unique features include global coverage for specified treatments, wellness coaching, annual health check-ups, and rewards for leading a healthy...

Max Plus Ratings

Max Plus

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

Room Rent

Normal: Option 1 - Single Private Room
Option 2 - Shared Accommodation
ICU: no limit

Advanced Treatments

Covers advanced treatments, including robotic surgeries, stem cell therapy (for approved conditions), targeted cancer therapy, organ transplant procedures, and specialized cardiac treatments, ensuring access to modern and high-cost medical care.

Co-payment

For Sum Insured 3 lakhs and below -Zone II to Zone I: 10% Zone III to Zone II: 15% Zone III to Zone I: 25%
For Sum Insured 4 lakhs and above - Not Applicable

Cashless Healthcare Providers

12354 + network hospitals.

Waiting Period

Pre-Existing Diseases : Pre-existing Diseases shall be covered after a waiting period of 36 months as specified in Product Benefit Table / Policy Schedule
Specified disease / procedure waiting period : 24 months for specific illness/conditions and their complications in the first two years and is not applicable in subsequent renewals
Initial Waiting Period (Excluding Accidental Hospitalization): 30 days

Daycare Treatment

586 listed day care procedures covered by the policy.

AYUSH Treatment

Covered by the policy.

Room Rent

Normal: Option 1 - Single Private Room
Option 2 - Shared Accommodation
ICU: no limit

Advanced Treatments

Covers advanced treatments, including robotic surgeries, stem cell therapy (for approved conditions), targeted cancer therapy, organ transplant procedures, and specialized cardiac treatments, ensuring access to modern and high-cost medical care.

Co-payment

For Sum Insured 3 lakhs and below -Zone II to Zone I: 10% Zone III to Zone II: 15% Zone III to Zone I: 25%
For Sum Insured 4 lakhs and above - Not Applicable

Exclusions

Pre-existing diseases are excluded until the waiting period expires.
Expenses for diagnostic evaluations not linked to treatment are not covered.
Costs for enforced bed rest, custodial care, or terminal illness services are excluded.
Self-initiated obesity surgeries without medical necessity are not covered.
Cosmetic or plastic surgeries not required for medical reasons are excluded.

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.