Aditya Birla Activ One Plan: Key Benefits and Coverage
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Aditya Birla Health Insurance Aditya Birla Health Insurance ★ 4.4

Aditya Birla Activ One

A comprehensive plan that provides coverage for almost all healthcare- ...Read More

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

A comprehensive plan that provides coverage for almost all healthcare-related needs. Its unique feature, Super Reload, allows you to refill your base sum insured for your next claim.

Why Do We Recommend This?
  • Includes a claim protection feature.
  • Offers a wide range of sum insured from INR 5 Lakhs to INR 2 Crore.
  • No maximum capping on the entry age.

Plan at a glance

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

Entry age
Entry Age Minimum: 18 Years Children: 91 Days to 25 Years, No maximum limit
Plan type
Individual and Family Health Insurance
Sum insured options
₹5 L, ₹7 L, ₹10 L, ₹15 L, ₹20 L, ₹25 L, ₹50 L, ₹75 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

  • Chronic illness covered
  • double coverage

Cons

  • Daily hospital cash not covered
  • OPD charges not covered
  • Maternity not covered

What's covered

A quick look at what this plan covers — and what it doesn't.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Covered
  • Day-care treatment Covered
  • OPD charges Not 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 Not covered
  • Health check-up Covered
  • Second medical opinion Covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Not 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.

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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 →

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Adults: 18+ years
  • no: max age
  • children: 91 days to 25 years
  • tenure: 1 to 3 years

Frequently Asked Questions

The 7 most-asked questions about Aditya Birla Activ One, answered.

Aditya Birla Activ One Nxt plan eligibility criteria is as follows: Min Entry Age - 18 years (Adults) and 91 days (dependent children)
The minimum sum insured you can opt for under the Aditya Birla Activ One Nxt plan is INR 7 lakhs for Zone 1 and INR 5 lakhs for Zone 2 and 3 cities.
You can cover up to 2 adults and 4 children under the Aditya Birla Activ One Plan.
Aditya Birla Activ One plan offers super credit optional cover which is designed to help you fight medical inflation. Under this benefit, on timely renewals, you are eligible for a super credit which means a 100% increase in your sum insured. This benefit is available at no additional premium cost.
Yes, bariatric surgery if required for a patient is covered under the Aditya Birla Activ One Nxt plan.
It’s a comprehensive health insurance offering from Aditya Birla Health that provides hospitalisation cover, chronic care benefits, health-linked rewards and features like unlimited sum insured refills and no room rent limits.
Activ One offers base sum insured options from ₹5 lakh up to ₹2 crore.

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: 1 Jun 2026 · Originally published: 16 Oct 2024

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