Buy Aditya Birla Activ One Max Plan Online In India
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Aditya Birla Activ One Max Plan

Activ One MAX is another variant of Aditya Birla's Activ One policy. T ...Read More

Up to 1 Cr
Sum insured
1
No. of plans
4800+
Pan India presence
96%
Claim settlement ratio
🛡️ IRDAI Approved
4.4/5 · 2,707 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 Activ One policy. This plan offers notable features, including the flexibility to choose members under one policy. You can also earn up to a 100% discount on renewal premiums by maintaining a healthy lifestyle. Activ One Max provides comprehensive coverage with an exceptional bonus system and built-in consumable coverage. Read more to understand the features and benefits of the plan. This health insurance plan can cover you and your family, including:
  • 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

Here are some benefits that make the Aditya Birla Activ One MAX plan a strong contender in the insurance market:

  • HealthReturns

    Maintain a healthy lifestyle and earn up to 100% of your premium back. By walking 10,000 steps or burning 300 calories a day, you can secure your health and potentially pay nothing for your next renewal.

  • Complete Hospital Bill Coverage

    With the 'Claim Protect' feature, you can set aside worries about non-medical expenses. This plan offers complete coverage, from hospital bills to non-medical costs, allowing you to focus on your health and well-being.

  • Unlimited Hospitalisation Expenses

    The Activ One MAX plan removes room rent capping, giving you flexibility in your choice of hospital room. It also covers ambulance costs, ICU treatment, organ donor expenses, mental illness treatment, and other related hospitalization expenses.

  • Unlimited Refill of Sum Insured

    The Super Reload benefit allows you to refill your base sum insured from the second claim onwards, ensuring continuous coverage.

  • 6X Cover by the 6th Year

    Renew your policy annually to see your coverage grow. The plan increases your coverage by 100% of the base sum insured each year, up to a maximum of 500% (or 3 crores). This bonus is applied irrespective 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.

Know More About Network Hospitals →

Inclusions & exclusions

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

Exclusions

  • Hospitalization due to war, riot, strike, and nuclear weapons
  • Intentional self-injury
  • Investigation and evaluation
  • Maternity expenses
  • Cosmetic plastic surgery
  • Non-medical expenses
  • A 30-day initial waiting period for hospitalizations, unless due to an accident.
  • A 3-year waiting period for any pre-existing diseases declared at the time of policy purchase.
  • A 2-year waiting period for a specified list of diseases before claims can be made.

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 over 2.5 crore lives, settling more than 21 lakh claims with an impressive claim settlement ratio of 96%. Investing in the Aditya Birla Activ One Max plan offers peace of mind, knowing 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 manages the financial burden. Explore the plan further to discover how it can safeguard your family's well-being. Visit PolicyX.com for expert advice.

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.

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Written and reviewed by

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

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