ChatGPT
Claude
Perplexity
Aditya Birla Activ One Plan
Aditya Birla Health Insurance
Aditya Birla Activ One
A comprehensive plan that covers almost all healthcare needs. Its uniq ...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 · 2,711 reviews
🏥 12,900+ hospitals
📊 1.88 solvency ratio
✅ 96% claim settlement
About Aditya Birla Activ One
A quick read on what this Aditya Birla Health Insurance plan covers and why it might be a fit for you.
Aditya Birla Activ One plan is available as an individual and family floater plan, offering customized features and benefits. Read further details below to understand if the plan is the right fit for you. Aditya Birla Activ One Plan benefits include:
- Health returns
- Health assessment
- Daycare treatments
- No capping on hospitalization expenses
- Mental illness hospitalization
- Modern treatments, etc.
A wide range of sum insured options are available, starting from INR 5 lakhs for Zone 2 and 3 cities and INR 7 lakhs for Zone 1 cities, with an upper limit of INR 2 crores.
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
Adults: Minimum 18 Years; Children: 91 Days to 25 Years; No maximum entry age.
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
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 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.
Aditya Birla Cancer Insurance Plan | Full Review & Benefits Explained
Aditya Birla Health Insurance
Aditya Birla Activ One Plan Benefits
Aditya Birla Activ One Health Insurance benefits include:
-
No Capping
This feature offers no capping on hospitalization expenses such as room rent, ICU charges, road ambulance cover, etc. It allows you to prioritize family comfort over financial worries.
-
Super Reload
If you exhaust your sum insured mid-policy term, don't worry. Super Reload refills your base sum insured to 100% for your next claim and for an unlimited number of times in a policy year.
-
100% Health Returns
Earn health rewards by simply downloading the Activ Health App and walking 10,000 steps per day or by burning 300 calories.
-
Claim Protect
Claim Protection is an optional feature. It covers all the non-payable items that make up 10-20% of your hospital bill, like gloves, syringes, etc.
-
Super Credit
Another optional feature: on timely renewals, you will be eligible for a 100% increase in the sum insured every year without any increase in premiums, which helps you fight medical inflation.
Aditya Birla Activ One vs Activ Health Comparison
| Parameters | Aditya Birla Activ One | Aditya Birla Activ Health |
| Sum Insured Reload | Offers unlimited 100% reload | Limited sum insured reload to once a year |
| Discounts and Health Rewards | 100% discount on renewal premiums for maintaining a healthy heart score | Offers up to 100% premium adjustment earned by accumulating Active Dayz |
| Chronic Disease Cover | Provides Day 1 coverage for seven chronic diseases | Provides Day 1 coverage for seven chronic diseases with certain limitations |
| Sub-Limits | Does not impose sub-limits on hospitalization expenses, procedures, or benefits | Does not impose sub-limits on hospitalization expenses, procedures, or benefits |
| Waiting Period | Pre-existing disease waiting period of 4 years and a specific disease waiting period of 2 years | The pre-existing disease waiting period ranges between 36 and 48 months |
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.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Exclusions
- Injury or diseases caused due to involvement in illegal activities
- Hospitalization caused by adventure sports
- Change of gender treatments
- Plastic surgeries or cosmetic treatments
- Suicide or attempted suicide, intentionally hurting oneself on purpose
- Pre-existing diseases: 4 years
- Specific Ailments: 2 years
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Adults: 18+ years (no maximum age); Children: 91 days to 25 years; Policy Tenure: 1 to 3 years.
Other features & benefits
Conclusion
In a world where groceries and banking services are available with one click, what is keeping you from customizing your health insurance online? With the Aditya Birla Activ One Nxt plan, you can access customized health insurance that not only protects but rewards you and your family.
Find out all the latest information about the plan, such as minimum and maximum entry age, inclusions of the Aditya Birla Activ One Nxt Plan, and its attractive features.
For any further information on the Aditya Birla Activ One Nxt plan, contact our team of experts at PolicyX.com.
Aditya Birla Activ One Plan: FAQs
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
Aditya Birla Top-up Plan
Aditya Birla Maternity Insurance
Aditya Birla Critical Illness Plans
Aditya Birla Plans for Family
Aditya Birla Health Insurance for Senior Citizens
Aditya Birla Activ Secure Plan
Aditya Birla Policy Download
Aditya Birla Premium Calculator
Aditya Birla Claim Settlement Ratio
Aditya Birla Health Insurance Renewal
Aditya Birla Health Insurance Policy Cancellation
Benefits of Aditya Birla Health Insurance
Aditya Birla Claim Process
Aditya Birla Health Insurance Customer Support
Health Insurance Articles
Is a Fractured Leg Covered by Health Insurance?
How Senior Citizens Can Get Health Insurance Tax Benefits u/s 80D
How Air Pollution Is Silently Causing 10 Health Diseases
Eye Conditions Actually Covered Under Health Insurance in India
Claim Settlement Ratio of Health Insurance Companies 2026
Health Insurance for Cancer
See More Health Insurance Articles
Health Insurance Premium Calculator
PolicyX.com premium calculator offers premium comparison for some of the best health plans in India. Input your details and find the most suitable health insurance policies for your requirements.
Written and reviewed by
PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
Compare Health Insurance Plans
Select a company and plan for each side to see a detailed side-by-side comparison.
Other Health Insurance Companies
Share your Valuable Feedback
Rated by 2,701 customers
Was the Information Helpful?
Select Your Rating
We would like to hear from you
Let us know about your experience or any feedback that might help us serve you better in future.
Do you have any thoughts you'd like to share?