Loading...
Loading...
Reviewed by Finzony Finance TeamLast updated:
Activ One MAX is a comprehensive health insurance plan from Aditya Birla Health Insurance designed for individuals and families looking for broad hospitalization and medical expense protection. The plan offers high sum insured options along with benefits such as HealthReturns, Super Credit and Super Reload. It covers eligible hospitalization, day-care procedures, modern treatments, AYUSH treatment, domiciliary care and other medical expenses as per the policy terms. With features designed to reduce common coverage restrictions, the plan is suitable for customers looking for higher protection and greater flexibility during medical emergencies.
A comprehensive health plan with HealthReturns, unlimited Super Reload, Super Credit and no capping on medical expenses.
Activ One MAX stands out because it combines comprehensive health coverage with benefits that can increase the available protection over time. Super Credit can increase the sum insured on renewal, while Super Reload provides additional coverage when the available sum insured is exhausted, subject to the applicable conditions. The plan also includes HealthReturns for eligible wellness activities and provides benefits such as pre- and post-hospitalization coverage, day-care treatment and cashless hospitalization. Overall, it is a strong option for individuals and families who want extensive coverage along with additional wellness and coverage-enhancement benefits.
Aditya Birla Health Insurance
Key Insights
Founded
2015
Aditya Birla Health Insurance was established 11 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
95.8% CSR, calculated as a 3-year average
Aditya Birla Health Insurance settles 95.8% of all claims it receives, demonstrating strong credibility.
Network Hospitals
13,000+
Aditya Birla Health Insurance has a network of 13,000+ hospitals, ensuring wide accessibility and convenience for policyholders.
Coverage for eligible hospitalization expenses as per the selected sum insured and policy conditions.
Subject to applicable terms and waiting periods.
The plan is designed to provide coverage without specified room-rent and certain medical expense sub-limits, subject to policy terms.
Always check the latest policy wording for applicable conditions.
Provides additional coverage when the base sum insured gets exhausted, subject to the plan conditions.
A major benefit for customers looking for additional protection during a policy year.
Provides an additional increase in available coverage based on applicable policy conditions.
Eligibility and accumulation rules apply.
Wellness programme that can provide rewards based on eligible healthy activities and programme conditions.
Reward percentage and eligibility are subject to policy terms.
Maternity-related coverage may be available through applicable optional benefits or plan configurations.
Waiting period and eligibility conditions apply.
Additional critical illness protection may be available depending on the selected configuration.
Subject to separate terms and eligibility.
Initial waiting period generally applies to illnesses, while accidents are covered from day one. Specific diseases and pre-existing diseases are subject to applicable waiting periods as per the policy terms.
Initial Waiting Period
Generally applies to illnesses during the initial policy period. Accidental injuries are generally covered from day one.
Specified Diseases & Procedures
Certain specified diseases and procedures are subject to a waiting period as defined in the policy wording.
Pre-Existing Diseases
Pre-existing diseases may be covered after completion of the applicable waiting period.
Other Waiting Periods
Specific treatments, conditions or optional benefits may have additional waiting periods.
Conditions or treatments that the policy clearly says it will not cover.
Coverage for hospitalization and treatment is subject to the policy terms, waiting periods, exclusions and applicable conditions. Customers should check the latest policy wording for disease-specific coverage and waiting periods.
Insurer
Aditya Birla Health Insurance plans and claim process
Activ One MAX is a comprehensive health insurance plan from Aditya Birla Health Insurance that combines hospitalization coverage with wellness benefits such as HealthReturns, Super Reload and Super Credit.
It can be suitable for individuals and families looking for broad health insurance protection with additional wellness and coverage-enhancement benefits.
Yes. Activ One MAX includes the HealthReturns wellness programme, subject to the applicable programme rules and policy conditions.
Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Claim settlement ratios are from IRDAI Annual Reports. Finzony is not an insurance broker or agent. Verify all details on the official Aditya Birla Health Insurance website before purchasing.
Contact Details
1800 270 7000
Headquarters: 9th Floor, Tower 1, One World Centre, Jupiter Mills Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai – 400013, Maharashtra, India.
The aforementioned ratios have been averaged over three years (FY24-FY26)
Personal accident protection can be added where available under the applicable product configuration.
Separate terms and conditions apply.
A fixed daily benefit may be available for eligible hospitalization under applicable optional coverage.
Benefit amount and eligibility depend on selected option.
Optional outpatient-related benefits may be available depending on the selected configuration.
Check availability and limits before purchase.
Super Reload provides additional coverage after the available base sum insured is exhausted, subject to the terms and conditions of the plan.
Super Credit is a coverage-enhancement benefit that can increase the available sum insured according to the applicable policy conditions.
Pre-existing diseases can be covered after completion of the applicable waiting period and subject to the policy terms.
Yes. A general initial waiting period applies to illnesses, while accidental injuries are generally covered from the beginning of the policy.
Yes. Eligible day-care procedures are covered subject to the applicable policy conditions.
Eligible AYUSH treatment can be covered according to the policy terms and conditions.
Yes. Cashless hospitalization is available at eligible network hospitals subject to pre-authorization and policy conditions.
Eligible domiciliary hospitalization expenses can be covered when the applicable policy conditions are satisfied.
The plan is positioned with no capping on medical expenses, but the exact applicability should be checked against the latest policy wording and selected configuration.
Yes. The plan can be configured for eligible family members under applicable individual or family floater options.
The plan offers high sum insured options, with current product information indicating coverage options going up to ₹6 crore depending on the selected configuration.
No. Initial, specified disease and pre-existing disease waiting periods may apply depending on the treatment and medical condition.
Additional benefits may be available depending on the product configuration and applicable add-ons.
The plan may be considered by older customers depending on eligibility, premium and underwriting. Customers should verify the applicable entry and medical underwriting conditions before purchase.
Eligible emergency hospitalization is covered according to the policy terms and conditions.
Yes. Like other health insurance policies, certain treatments, conditions and expenses are excluded or subject to specific conditions. The latest policy wording should be reviewed before purchase.
The latest policy wording, prospectus and official product documents from Aditya Birla Health Insurance should be checked for the exact limits, exclusions, waiting periods and eligibility conditions.