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Aditya Birla Health Insurance Aditya Birla Health Insurance ★ 4.4

Aditya Birla Activ One Max Plan

Another variant of the Aditya Birla Activ One plan that provides compl ...Read More

Up to 1 Cr
Sum insured
1
No. of plans
4800+
Pan India presence
96%
Claim settlement ratio
📄 Download brochure
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,701 reviews
🏥 12,900+ hospitals
📊 1.88 solvency ratio
✅ 96% claim settlement

About Aditya Birla Activ One Max Plan

A quick read on what this Aditya Birla Health Insurance plan covers and why it might be a fit for you.

Activ One MAX is another variant of Aditya Birla's Active One policy. There are many notable features of this plan, such as its flexibility to choose members under one policy. Additionally, you can earn up to 100% discount on the renewal premiums by maintaining a healthy lifestyle. Even without customization, Activ One Max provides complete coverage with specifications like an exceptional bonus system and built-in consumable coverage. Read more to understand the features and benefits of the plan.

Imagine getting a health insurance plan for you and your family.

  • Your spouse
  • Son
  • Daughter
  • Brother
  • Sister
  • Grandson
  • Granddaughter
  • Son-in-law
  • Daughter-in-law
  • Brother-in-law
  • Sister-in-law
  • Nephew
  • Niece
  • Parents
  • Parents-in-law
  • And even your live-in partner

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
18 years to no limit
Plan type
Individual and Family Health Insurance
Sum insured options
₹5 L, ₹10 L, ₹20 L, ₹50 L, ₹1 L, ₹2 L
Waiting period
30 days
Renewability
Lifelong
Policy term
1, 2, 3 years

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Cover your extended family
  • High sum insured options
  • 30 days waiting period

Cons

  • Maternity expenses
  • Non-medical expenses
  • Sterility and infertility treatment

What's covered

Every CMS-driven coverage flag from the plan wording — only items with a published value render below.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Covered
  • Day-care treatment Covered
  • OPD charges Covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Covered
  • Daily hospital cash Not covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Covered

Modern & preventive care

  • Modern treatment Covered
  • Road ambulance Covered
  • Air ambulance Not covered
  • E-consultation Covered
  • Health check-up Covered
  • Second medical opinion Covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Covered
  • Sub-limits Not covered
  • Compassionate travel Covered
  • Global coverage Not covered

Video reviews

Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.

Aditya Birla Activ One Max | Unlimited Health Cover & Premium Rewards!

Aditya Birla Activ One Max | Unlimited Health Cover & Premium Rewards!

Looking for the best health insurance plan in India? In this video, we review the Aditya Birla Activ One Max Health Insurance Plan, a feature-packed policy that goes beyond traditional medical insurance.

Aditya Birla Activ One MAX Policy Benefits

We have listed some benefits that make Aditya Birla Activ One MAX plan one of the best plans in the insurance market.

  • Get HealthReturns

    With the Activ One MAX plan, you can keep yourself healthy and not pay a premium for the next renewal. You can earn up to 100% of your premium by walking 10,000 steps or burning 300 calories a day.

  • Complete hospital bill covered

    With the feature 'Claim Protect,' you can put aside the tension of your non-medical expenses. It offers complete coverage, from hospital bills to non-medical expenses, so that you can focus on your health and well-being.

  • Unlimited hospitalization expenses

    There is no capping on the room rent with the Activ One MAX plan. You can reimburse for the cost of an ambulance, ICU treatment, organ donor expenses, mental illness, and other expenses that occur during hospitalization.

  • Unlimited refill of the sum insured

    With the super reload benefit, you can refill your base sum insured from the second claim onwards.

  • 6X cover by the 6th year

    Renew your policy annually and watch your coverage grow. We increase your coverage by 100% of the base sum insured each year, up to a maximum of 500% (or 3 crores). This bonus is applied regardless of your claim history.

Aditya Birla Health Insurance Network Hospital List

Aditya Birla Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Aditya Birla Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

Know More About Network Hospitals →

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Exclusions

  • Permanent diseases or health conditions that are not included under Aditya Birla Activ One Max Plan are:
  • Hospitalization due to war, riot, strike, and nuclear weapons
  • Intentional self-injury
  • Investigation and evaluation
  • Maternity expenses
  • Cosmetic plastic surgery
  • Non-medical expenses
  • Following are the waiting periods of Aditya Birla Activ One Max Plan:
  • Hospitalizations won’t be covered for the first 30 days of the policy unless it’s an accident.
  • There's a 3-year waiting period for any pre-existing disease you may have while buying the policy.
  • There is a 2-year waiting period for a list of diseases which is a mandate before you can start claiming.

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Min entry age: 18 Years
  • Max entry age: No limit
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 2 Cr

Other features & benefits

Conclusion

Aditya Birla Health Insurance Company is a joint venture between the Aditya Birla Group and MMI Holdings from South Africa. They have secured more than 2.5 crore lives by settling more than 21 lakh claims. The claim settlement ratio of the company is an impressive 96%. By investing in the Aditya Birla Activ One Max plan, you gain peace of mind knowing that your family's health is protected. With its extensive coverage and potential for renewal discounts, this plan empowers you to focus on recovery while Aditya Birla takes care of the financial burden. Explore the plan further to discover how it can safeguard your family's well-being. Visit PolicyX.com for expert advice and no gimmicks.

Aditya Birla Activ One Max Plan: FAQs

The 5 most-asked questions about Aditya Birla Activ One Max Plan, answered.

You can earn up to 100% of your renewal premium back by maintaining a healthy lifestyle. This can be achieved by meeting daily fitness goals, such as walking 10,000 steps or burning 300 calories.
Please refer to the policy document for specific details on pre-existing condition coverage. Generally, there might be a waiting period before pre-existing conditions are covered.
The entry age is 18 years with no upper age limit.
You can choose policy terms of 1, 2, or 3 years.
Please refer to the official Aditya Birla Capital website or contact their customer service for a complete list of exclusions.

Conclusion

Aditya Birla Activ One MAX is a comprehensive health insurance plan offering high coverage, unlimite

Explore Aditya Birla Health Insurance

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 28 Jan 2025 · Originally published: 28 Jan 2025

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