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 extensive hospitalization and medical expense protection. The plan offers sum insured options from ₹2 lakh to ₹6 crore along with benefits such as HealthReturns, Super Credit and unlimited Super Reload. It covers eligible hospitalization, day-care procedures, modern treatments, mental illness hospitalization, AYUSH treatment, domiciliary hospitalization, home healthcare and organ donor expenses as per policy terms.
A comprehensive plan with up to 100% HealthReturns, Super Credit, unlimited Super Reload, advanced health check-up and additional family-focused benefits.
Activ One MAX+ stands out by combining broad hospitalization coverage with additional health and family-focused benefits. It offers up to 100% HealthReturns, Super Credit that can increase coverage on renewal and unlimited Super Reload from the second claim onwards. The plan also includes Claim Protect, advanced health check-up benefits and hospital cash support for parents or parents-in-law. Overall, it is a strong option for customers who want comprehensive protection with wellness rewards and additional coverage-enhancement features.
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.
Eligible hospitalization expenses are covered up to the applicable base sum insured.
Subject to policy terms and conditions.
Room rent, ICU charges, day-care treatments and several listed medical expenses are covered as per actuals up to the base sum insured.
Applicable terms and conditions apply.
Eligible policyholders can earn up to 100% of their premium back by participating in the applicable wellness programme.
Rewards depend on programme requirements.
The base sum insured can increase by 100% after each eligible renewal, irrespective of claims, up to the applicable maximum.
Maximum accumulation is subject to policy conditions.
Provides unlimited refill of up to 100% of the base sum insured from the second claim onwards for subsequent claims in a policy year.
Subject to policy conditions.
Eligible expenses for listed durable medical equipment such as wheelchairs, ventilators and other specified equipment can be covered.
Combined sum insured of ₹5 lakh or base sum insured, whichever is lower, subject to applicability.
Optional chronic-care support may provide additional benefits for eligible listed chronic conditions.
Subject to selected option and policy conditions.
Initial waiting period of 30 days, specific disease waiting period of 2 years and pre-existing disease waiting period of 3 years, subject to applicable policy conditions.
Initial Waiting Period
Illness-related hospitalization is generally subject to an initial waiting period. Accidental hospitalization is generally covered from day one.
Specific Diseases & Procedures
Specified diseases and procedures are subject to the applicable two-year waiting period.
Pre-Existing Diseases
Pre-existing diseases are subject to the applicable three-year waiting period.
Advanced Health Check-up
The advanced health check-up benefit becomes available after the applicable 90-day waiting period and is subject to eligibility conditions.
Conditions or treatments that the policy clearly says it will not cover.
The plan provides coverage for eligible medical treatments and hospitalization expenses subject to applicable waiting periods. Certain chronic conditions, specified diseases and treatments may have specific eligibility or waiting-period requirements.
Insurer
Aditya Birla Health Insurance plans and claim process
Activ One MAX+ is a comprehensive health insurance plan from Aditya Birla Health Insurance offering hospitalization protection along with wellness rewards, Super Credit, Super Reload and additional health benefits.
It can be suitable for individuals and families looking for broad hospitalization protection along with wellness rewards and additional coverage-enhancement benefits.
The plan offers base sum insured options from ₹2 lakh up to ₹6 crore, subject to the applicable product configuration.
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)
Optional health-management support helps users monitor mental health, stress and wellness activity.
Availability and programme conditions apply.
Additional wellness services and rewards may be available through the insurer health-management programme.
Benefits are subject to programme terms.
Additional optional benefits may be selected depending on the applicable product configuration.
Premium and eligibility conditions apply.
Yes. Eligible policyholders can earn up to 100% of their premium back through the HealthReturns wellness programme, subject to its requirements.
Super Credit can increase the base sum insured by 100% after eligible renewals, irrespective of claims, up to the applicable maximum limit.
Super Reload provides unlimited refill of up to 100% of the base sum insured from the second claim onwards for subsequent claims in a policy year.
Yes. Claim Protect covers listed non-medical expenses during an admissible hospitalization claim, subject to the applicable policy terms.
Yes. Room rent and ICU charges are covered as per actuals up to the applicable base sum insured, subject to policy conditions.
Yes. Eligible day-care treatments are covered as per the policy terms and applicable conditions.
The plan provides access to listed advanced tests such as CTA and PET Scan after the applicable waiting period, subject to medical indication and eligibility requirements.
The advanced health check-up is available after a 90-day waiting period from the first policy issuance, subject to the applicable conditions.
Yes. A hospital cash benefit of ₹500 per day per eligible member is available for parents or parents-in-law for up to 30 days, subject to the selected benefit and conditions.
The plan can cover eligible listed durable medical equipment such as wheelchairs and ventilators, subject to the applicable cover and limits.
Yes, but pre-existing diseases are subject to the applicable three-year waiting period and policy conditions.
The general initial waiting period is 30 days for illnesses, while accidental hospitalization is generally covered from day one.
Specified diseases and procedures are generally subject to a two-year waiting period, as defined in the policy wording.
Yes. Eligible AYUSH treatment is covered according to the applicable policy terms and conditions.
Yes. Eligible home healthcare expenses can be covered subject to the applicable policy conditions.
Yes. The plan supports individual and family floater configurations and can cover eligible family members according to the policy definition.
Yes. Certain treatments, expenses and situations are excluded or subject to specific conditions. Customers should review the latest policy wording before purchasing.