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Aditya Birla Activ One (MAX)

ILM Ratings

ILM Ratings

Claims Experience:

Customer Service:

Product Benefits:

Introduction to Aditya Birla Activ One (MAX)

Activ One (MAX) by Aditya Birla Health is a comprehensive health insurance plan that covers hospitalisation and related costs, while also offering a wide range of benefits. It includes coverage for bariatric surgery, HIV/AIDS-related treatments, wellness benefits, Day 1 cover for listed chronic conditions and so much more—making it a plan with comprehensive cover and added health support.

Claims Experience:

Customer Service:

Product Benefits:

Quick Overview:

What's Good?

• No restrictions on hospital room you can choose
• Covers live-in partners of any gender
• Bonus added every year, even if you claim
• Mental illness treatment expenses covered
• HIV & AIDS treatment expenses covered
• Non-medical costs covered - gloves, oxygen masks, etc.
• Inpatient dental treatment expenses covered
• External medical aid expenses like ventilator, wheelchair etc. covered
• Bariatric surgery for weight loss covered
• Cashless annual health check-up available

What's Not Good?

• No monthly premium payment option

Insurer Track Record

About Aditya Birla Health Insurance Company Limited

JV Partners

Turnover (GWP)

Number of Policies

Number of Claims

Detailed Product Overview

Hidden Conditions

Exclusions Unique to this Policy

Have doubts regarding this plan?

Frequently Asked Questions

Can I cover my live-in partner under Activ One (MAX)?

Yes. Activ One (MAX) allows you to cover your legally married spouse or live-in partner—regardless of whether they are of the same or opposite sex.

Is there a co-payment required under Activ One (MAX)?

Will I be rewarded for maintaining a healthy lifestyle under Activ One (MAX)?

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Did you know

1- Health insurance data and ratings were last updated in April 2026. All data has been sourced from product brochures, policy wordings, prospectus, public disclosures (Q4, FY 2024-2025), insurer websites, and the IRDAI website.

2- The Claims Settlement Ratio data is taken from NL-37, insurer public disclosures (Q4, FY 2024-2025). It is calculated by dividing health insurance claims settled divided by health insurance claims reported plus those outstanding at the start of the year.

3- The data related to claim complaints and policy purchase complaints is taken from NL-45, insurer public disclosures (Q4, FY 2024-2025).

4- The Solvency Ratio data is taken from NL-26, insurer public disclosures (Q4, FY 2024-2025).

5- The data related to claims settled within 30 days is taken from NL-39, insurer public disclosures (Q4, FY 2024-2025). It is calculated by dividing number of health insurance claims paid within 30 days by the total health insurance claims paid during the year.

6- The Claims Incurred Ratio data is taken from NL-4 and NL-5, insurer public disclosures (Q4, FY 2024-2025). It is calculated by dividing the Net Claims Incurred by the Net Earned Premium.

7- The Turnover data is taken from NL-4, insurer public disclosures (Q4, FY 2024-2025). It is calculated by converting net written premium to gross written premium.

8- The number of policies and claims data is taken from NL-45, insurer public disclosures (Q4, FY 2024-2025).

9- The Claim Rejection Ratio data is taken from NL- 37, insurer public disclosures (Q4, FY 2024-2025). It is calculated by dividing total claims repudiated and rejected by the sum of total claims outstanding at the beginning of the year and total claims reported during the period.

10- For now, we have considered the most comprehensive plans from leading insurance companies. We will keep updating the product pages with new plans in the coming days.

11- We have rated only those plans that can be serviced by individual advisors. This is because of our strong belief that health insurance customers need professional assistance from individual advisors before and after purchase. We do not recommend and hence do not rate direct-to-customer health insurance plans or plans where there aren't enough advisors available to service.

12- Affordability assessment of plans:

• The affordability of comprehensive plans is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1, opting for a cover of ₹10 Lakhs.
• The affordability of Care Freedom Plan is assessed for a 46-year-old couple in Zone 1 with ₹10 lakh cover; premium as of 16th April 2026.
• The affordability of Care Freedom (Plan 1) is assessed for ₹5 lakh cover; premium as of 16th April 2026.
• The affordability of Acko Platinum Health Insurance is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1, opting for a cover of ₹25 Lakhs. And, the premium is as of February 2024.
• The affordability of ICICI Lombard MaxProtect (Premium) is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1, opting for a cover of ₹1 Crore. And, the premium is as of February 2024.
• The affordability of Niva Bupa - Senior First (Platinum), Manipal Cigna - Prime Senior (Elite) is assessed using premiums for a family of two adults (61 years old) residing in Zone 1, opting for a cover of ₹10 Lakhs. And, the premium is as of February 2024.
• The affordability of Aditya Birla Activ One (VIP+) is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1, opting for a cover of ₹50 Lakhs. And, the premium is as of March 2024.
• The affordability of Aditya Birla Activ One (VIP) is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1, opting for a cover of ₹50 Lakhs. And, the premium is as of April 2024.
• The affordability of Care Advantage Plan is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1, opting for a cover of ₹25 Lakhs. And, the premium is as of April 2024.
• The affordability of IndusInd General Health Global (Elite) Plan is assessed using premiums for a family of two adults (30 years old) and one child (1 year old), opting for an India cover of ₹1.5 Crores and global cover of $0.15 Million. And, the premium is as of August 2024.
• The affordability of Star Health - Premier is assessed using premiums for a family of two adults (61 years old) residing in Zone 1, opting for a cover of ₹10 Lakhs. And, the premium is as of April 2025.
• The affordability of ManipalCigna - LifeTime Health (India) is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1, opting for a cover of ₹50 Lakhs. And, the premium is as of April 2025.
• The affordability of Care Insurance Senior Health Advantage is assessed using premiums for a family of two adults (61 years old) residing in Zone 1, opting for a cover of ₹10 Lakhs. And, the premium is as of June 2025.
• The affordability of Optima Secure Global & Optima Secure Global Plus Plans is assessed using premiums for a family of two adults (30 years old) and one child (1 year old), opting for an India cover of ₹1 Crore. And, the premium is as of February 2026.
• The premium for Optima Super Secure is available only for a 3-year tenure and the pricing has been considered accordingly.

13-Premium ratings are as of 19th January 2026.

• For Activ One (VYTL), asthma was considered as the PED for premium retrieval.
• Aditya Birla Health – Activ Health Platinum (Enhanced): child age set to 5 years (minimum allowed).
• Care Plus: one adult must be 35+; test case updated accordingly to meet the minimum requirement.
• Care Supreme (Vikas): one adult must be 30+; test case updated accordingly to meet the minimum requirement.

14- We have considered the Inflation Protection benefit under Acko’s Platinum and Standard Health Plan instead of the No Claim Bonus Benefit.

15- We have only considered features, benefits, and limits of ‘India Cover’ under IndusInd General's Health Global (Elite) Plan.

16- The product benefits section is based on a sum insured of ₹10 Lakhs and only highlights the top benefits and features of health insurance plans.

17- Only those hidden and special conditions that apply to the benefits and features we have considered are included on the product pages.

18- The product pages only include the most significant specific exclusions under each plan, which we've simplified for better understanding.

19- The product pages do not include any generic terms, conditions, or exclusions (those that are the same and apply to all health insurance plans).

20- If the policy wording, brochure, or prospectus states that a benefit/feature is available with a specific plan but it is not available online when generating the premium quote, we have not considered that benefit/feature to be available with the plan.

21- We take into account more parameters, beyond those shown above, when calculating the customer service rating.

22- The response time on X (Twitter) was calculated using a sample set of tweets from July 2025 to December 2025 (analyzed in January 2026). The Response time on Toll Free was last evaluated in March 2026.

23- The metrics like claim complaints, policy purchase complaints, response time on Twitter and toll-free are not related to a specific product but are related to the overall performance of the insurance company.

24- The network hospitals' data was last updated in January 2026.

Your use of the website shall be governed by the Terms and Conditions and Privacy Policy of our website.

Aditya Birla Activ One (MAX) is a health insurance policy offered by Aditya Birla Health Insurance Company Limited.

This plan offers a well-balanced combination of affordable pricing and comprehensive protection. It provides extensive coverage, including hospitalisation and related costs, HIV/AIDS-related expenses, consumable expenses, and bariatric surgery expenses. However, it does not offer the option to pay the premiums monthly. Additionally, research indicates that the insurer has received a higher number of complaints related to claim settlements and policy purchases, suggesting a poor track record in terms of both purchase and claim services.

What are the benefits offered by the Aditya Birla Activ One (MAX)?

• In-patient hospitalisation coverage: The Aditya Birla Activ One (MAX) plan provides coverage for the expenses related to inpatient hospitalisation. These expenses refer to the costs that arise when you are admitted to a hospital for a duration exceeding 24 hours, such as the costs of your hospital room, nursing care, consultations, prescription medications, ICU charges, and any other relevant expenses.
• Pre-hospitalisation coverage: Pre-hospitalisation expenses refer to the costs incurred before you are hospitalised, such as checkups, laboratory tests, X-rays, CT scans, etc. However, it is vital to note that the insurance company will only cover your expenses if they are directly related to the condition that leads to your hospitalisation, and the claim is supported as part of your inpatient hospitalisation expenses. The Aditya Birla Activ One (MAX) plan covers all your pre-hospitalisation expenses for 90 days up to the sum insured.
• Post-hospitalisation coverage:  After your discharge from the hospital, you might incur certain medical costs known as post-hospitalisation expenses. These costs include consultation expenses, check-up expenses and other related expenses. In order to qualify for coverage, post-hospitalisation expenses must be directly associated with the condition for which you were hospitalised, and your claim must receive approval under inpatient hospitalisation. Under the Aditya Birla Activ One (MAX) plan, you are covered for post-hospitalisation expenses up to the sum insured for 180 days after your hospitalisation.
• Daycare treatment coverage: A daycare treatment is a medical procedure or surgery that traditionally requires an extended hospital stay but can now be done within 24 hours due to commendable advancements in medical technology. With the Aditya Birla Activ One (MAX) plan, you can enjoy comprehensive coverage for all the daycare treatments without any limit up to the sum insured.
• Domiciliary treatment coverage: Domiciliary treatment refers to medical care given at home for serious illnesses or injuries when going to the hospital isn't possible due to the patient being too sick or if there are no available hospital beds nearby.  With the  Aditya Birla Activ One (MAX) plan, all expenses related to domiciliary treatments are fully covered up to the sum insured.
• Organ donor coverage: The Aditya Birla Activ One (MAX) plan also covers organ donor expenses. It covers the costs associated with organ harvesting from the donor up to the sum insured you opt for under the policy. However, the donor's pre- and post-hospitalisation expenses are not covered under organ donor cover.
• Modern treatment coverage: Modern treatments are groundbreaking medical procedures that were once deemed unimaginable including immunotherapy procedures, radiotherapy, oral chemotherapy, and many others. The Aditya Birla Activ One (MAX) plan is designed to keep up with these developments by covering all modern-day treatments. And, there is no financial limit for any modern-day treatments under the plan.
• Non-medical expenses coverage: The Aditya Birla Activ One (MAX) plan also includes coverage for non-medical expenses, with no financial limit up to the sum insured. This coverage refers to the cost of consumables, such as nebulisation kits, gloves, oxygen masks, and other items necessary for treatment.
• No Claim Bonus: If there are no claims filed throughout a policy year, the insurance provider will award you with a No Claim Bonus.  With the Aditya Birla Activ One (MAX) plan, you’ll receive a no claim bonus of 100% of the sum insured every claim-free year. And, you can accumulate a maximum bonus of 500% of the sum insured, up to Rs 3 crores. Remember, your accumulated bonus will not be reduced if claims are made.
• Super No Claim Bonus: The super no claim bonus is an upgraded version of the No Claim Bonus, and it operates similarly. The Aditya Birla Activ One (MAX) does not provide a super no claim bonus.
• Restoration benefit: The restoration benefit is a feature that restores your sum insured after you have used it up during a policy year. With the Aditya Birla Activ One (MAX) plan, you can enjoy this benefit for both related illnesses and unrelated illnesses. The refill cover will be applied for subsequent claims and is generally triggered on partial exhaustion of the sum insured and no-claim bonus. The best part is that you can enjoy this benefit unlimited times in a policy year.

Aditya Birla Activ One (MAX): Financial Limits

• Room rent limit: The maximum amount that your insurance plan will cover for your hospital room expenses is the room rent limit. If you pick a room within this limit, you won't have to pay any extra charges. However, if you choose a room with higher rent than your eligibility, a proportionate deduction will be applied. With the Aditya Birla Activ One (MAX) plan, you have the freedom to select any room without any restrictions.
• ICU rent limit: The ICU rent limit is the maximum amount that your health insurance policy will pay for your stay in the intensive care unit at the hospital. There is no limit on the ICU rent with the Aditya Birla Activ One (MAX) plan. This means that the plan will cover the entire cost of your ICU stay up to the sum insured.
• Copayment: Copayment is a certain percentage of the claim amount that you need to pay from your own pocket. Once this payment is made, the insurer will cover the remaining expenses. In the Aditya Birla Activ One (MAX) plan, a 10% co-payment is applicable if you're hospitalised in a non-network hospital.
• Deductible: A deductible is a specific amount that you need to pay out of pocket before your insurance starts covering the remaining medical costs. The Aditya Birla Activ One (MAX) plan offers you two deductible options to choose from - Rs 15,000 or Rs 25,000.
• Limits on surgeries/treatments: It represents the maximum amount that the health insurance policy will contribute towards particular medical procedures or treatments. While some plans establish fixed limits for specific procedures, others don’t. The Aditya Birla Activ One (MAX) plan covers the expenses for cataract treatment and joint replacement surgeries up to the sum insured.

Aditya Birla Activ One (Max): Waiting Periods & Exclusions

👉Waiting period

The waiting period is the specific period during which certain illnesses and medical conditions are not immediately covered after acquiring a health insurance policy. Claims for these particular conditions can only be filed once the waiting period has elapsed. Here are some crucial types of waiting periods -

• Initial waiting period: All illnesses, with the exception of accidents, have an initial waiting period of 30 days. During this period, you cannot file a claim for hospitalisation unless it's due to an accident.
• Waiting period for pre-existing conditions: Any pre-existing condition encompasses any medical ailment or illness you encountered within the 36 months preceding the purchase of a health insurance policy. In the Aditya Birla Activ One (MAX) plan, there is a waiting period of 36 months for any pre-existing condition. Throughout this waiting period, you won't be able to file any claims for expenses related to your pre-existing condition.
• Waiting period for specific diseases: Insurers also have a list of specific medical conditions or illnesses that have waiting periods, apart from pre-existing conditions, regardless of whether you've had them before or not. The waiting period is determined solely by the insurer and is not dependent on your current state of health. The Aditya Birla Activ One (Max) plan has a waiting period of 24 months for various specific diseases.

👉Exclusions

Exclusions are specific situations for which health insurance policies do not provide coverage. Here are some of the types of exclusions -

• Standard Permanent Exclusions: According to the Insurance Regulatory and Development Authority of India (IRDAI), each healthcare insurance provider should adhere to the list of standard permanent exclusions under all circumstances. These include -

1. Investigation and evaluation: Hospital admission for observation or monitoring.
2. Rest, rehabilitation, and respite care: Admission to a facility for bed rest without active treatment.
3. Obesity/weight control: Any weight loss surgery, procedures or treatments.
4. Gender reassignment: Treatments aimed at altering the body’s characteristics to match the opposite sex.
5. Plastic/Cosmetic surgery: Any procedure to change the body’s physical features.
6. Profession in hazardous or adventure sports: Medical treatment expenses resulting from participating in adventurous activities such as river rafting, mountaineering, scuba diving, etc., as a professional.
7. Breach of law: Expenses incurred in treating an injured person who has attempted a criminal offence.
8. Excluded providers: Treatment received from medical practitioners or hospitals excluded by the insurance company.
9. Narcotics: Treatment for addiction to substances like alcohol, drugs, etc.
10. Treatments in establishments arranged for domestic purposes: Expenses incurred due to the treatment received in nursing homes, health spas, or similar establishments arranged entirely or partially for domestic reasons.
11. Dietary supplements purchased without subscription:  Vitamins, minerals, etc., that a medical practitioner does not prescribe.
12. Refractive error: Expenses incurred for fixing refractive errors of up to 7.5 diopters to enhance eyesight.
13. Unproven treatments: Medical procedures, surgeries or other treatments that are not proven to be effective.
14. Expenses related to sterility, birth control, and infertility: Sterilisation, contraception, artificial insemination, advanced reproductive technologies such as IVF, GIFT, ZIFT, ICSI, gestational surrogacy, etc.
15. Maternity expenses: Expenses related to childbirth, pre- and post-natal costs, etc.

• Additional permanent exclusions: Insurers can implement additional exclusions for certain medical diseases and illnesses besides the standard permanent exclusions. They may opt to permanently exclude certain diseases or severe medical conditions from your policy if they deem them too risky to cover.

It's important to note that insurers are bound by a specific list of illnesses provided by the IRDAI for which they can implement permanent exclusions. They are not permitted to permanently exclude illnesses or diseases that are not on this list.

• Non-standard exclusions (Specific exclusions): Non-standard exclusions go beyond the standard permanent exclusions listed by the IRDAI. These exclusions can differ among various insurance companies and are contingent upon the terms and conditions outlined in the policy. Here are some of the specific exclusions listed under the Aditya Birla Activ One (MAX) plan -

1. Injuries or illnesses resulting from war, invasion, revolt, terrorism, military operations, the use of nuclear, chemical, or biological weapons, etc.
2. Treatment linked to self-inflicted injuries, attempted suicide, illegal activities, drug use, alcohol consumption, or any form of intoxication.
3. Expenses incurred due to circumcision unless it is medically required for the treatment of any injury or disease.
4. Expenses associated with preventive care, vaccination, immunisation (excluding post-animal bite treatment), and physical, psychiatric, or psychological examinations.
5. Expenses incurred for treatment of any external birth defects, anomalies or defects.
6. Admission for nutritional and electrolyte supplements unless the attending medical practitioner deems it necessary as a result of a covered claim.
7. Costs associated with stem cell therapy, excluding bone marrow transplant or hormone replacement therapy.
8. Medical costs incurred due to oral and dental treatments unless deemed necessary due to an accident.
9. Expenses related to AYUSH treatments or non-allopathic or alternative treatments, excluding Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homeopathy.
10. Prosthesis and devices such as hearing aids, spectacles, contact lenses, wigs, toupees, etc., unless required due to an accident.
11. Treatments include KTP laser surgeries, cyber knife treatments, Femto laser surgeries, etc.

What to expect in terms of claims experience if you buy from Aditya Birla Health Insurance Company Limited?

• Speed of claims: Aditya Birla Health Insurance Company Limited has settled 94.59% of its claims within 30 days. This guarantees you a seamless and prompt claim settlement process.
• Claim-related complaints: According to our research, Aditya Birla Health Insurance Company Limited has a complaint rate of 0.22%, which is higher than that of other insurers. This implies that their claim settlement process is not satisfactory.
• Claims incurred ratio: The claims incurred ratio measures the insurer's financial performance for the year. It shows the total number of claims incurred by the insurance company in comparison to the total premiums collected during a specific financial year. Aditya Birla Health Insurance Company Limited has a claims incurred ratio of 68.31%.
• Claim settlement ratio: The claim settlement ratio reveals the percentage of the claims settled by an insurer in a given fiscal year compared to the total number of claims they received. Aditya Birla Health Insurance Company Limited's claim settlement ratio is 94.51%.
• Network hospitals: Aditya Birla Health Insurance Company Limited provides access to an extensive network of 11,000+ hospitals. This broad network allows customers to gain access to diverse healthcare providers across various locations, ensuring hassle-free, cashless treatments.

How is the customer service of Aditya Birla Health Insurance Company Limited?

• Policy purchase-related complaints: According to our research, Aditya Birla Health Insurance Company Limited has received a complaint rate of 0.03% regarding its after-sales service, which is notably higher than that of other insurance companies.
• Response on Toll-Free: Our research indicates that Aditya Birla Health Insurance Company Limited’s response time on toll-free is average compared to other insurers.
• Response on Twitter: According to our research, Aditya Birla Health Insurance Company Limited has an average response time on Twitter compared to other insurers.

About Aditya Birla Health Insurance Company Limited

Aditya Birla Health Insurance Company Limited (ABHICL), a division of Aditya Birla Capital Ltd. (ABCL), is a joint collaboration between the Aditya Birla Group and MMI Holdings from South Africa. Established in 2015, it is headquartered in Mumbai, Maharashtra. The company offers unique products such as Chronic Care and Incentivised Wellness. Mr Mayank Bathwal serves as the CEO and MD of ABHICL.

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