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Aditya Birla Activ One premium chart
Aditya Birla Activ One MAX costs a 30-year-old in Mumbai ₹10,152 a year for ₹10 lakh of cover, as quoted on 24 October 2026. ₹25 lakh is ₹14,322. A 35-year-old pays the same as a 30-year-old, and at 60 the ₹10 lakh policy is ₹30,817 a year.
Written by Kshitij JainReviewed by Harsh SoniUpdated nyvo insurance Services LLP, IRDAI Corporate Agent (Composite) CA1085Salaried advisors, no commission-based ranking
How much is Activ One MAX at each age?
Yearly premium for one adult on an individual policy, base plan with no add-ons:
| Age | ₹7 lakh | ₹10 lakh | ₹25 lakh |
|---|---|---|---|
| 25 | ₹8,672 | ₹9,159 | ₹12,896 |
| 30 | ₹9,607 | ₹10,152 | ₹14,322 |
| 35 | ₹9,607 | ₹10,152 | ₹14,322 |
| 40 | ₹12,255 | ₹12,977 | ₹18,375 |
| 45 | ₹14,404 | ₹15,265 | ₹21,647 |
| 50 | ₹18,066 | ₹19,170 | ₹27,246 |
| 55 | ₹24,496 | ₹26,027 | ₹37,062 |
| 60 | ₹28,984 | ₹30,817 | ₹43,928 |
Insurer premiums for Aditya Birla Activ One MAX (UIN ADIHLIP24097V012324). Profile: one adult (male), individual cover, Mumbai pincode 400001, no pre-existing condition declared, 1-year policy, no add-ons. No GST is added to individual health cover. The quote asks you to choose Activ One NXT or MAX and would not price MAX below ₹7 lakh, so the chart is MAX from ₹7 lakh. Premiums quoted on 24 October 2026 for the profile above; your quote depends on your age, health, city and the options you choose.
Want a quote for your family and your city?
The chart is one adult in Mumbai. We can price Activ One MAX for your family, your pincode and any condition you need to declare, next to the plans that might suit you better.
Talk to an advisor →What's built into the Activ One MAX price?
More than in most base plans. Consumables and an annual health check-up are built in, room rent and ICU are paid at actuals, there is no co-payment and no sub-limit, and pre-hospitalisation runs 90 days.
Super Credit adds 100% of the base sum insured every year, claim or no claim, up to 500% of the base cover or ₹3 crore, whichever comes first. Super Reload refills the cover an unlimited number of times in a year, but not for the very first claim in the life of the policy.
Is Activ One MAX good value against the other three?
On the headline price it sat third of four at 30, ₹10,152 for ₹10 lakh. But MAX includes consumables and a health check-up. Add those two add-ons to the cheaper plans and Care Supreme comes to ₹10,218, a little above MAX, while Niva Bupa ReAssure 3.0 Black comes to ₹9,478, still ₹674 below it.
| Plan | Age 30, ₹10 lakh | What stands out |
|---|---|---|
| Niva Bupa ReAssure 3.0 Black | ₹7,529 | No room-category cap; cover grows 100% a year in claim-free years, up to 1000% |
| Care Supreme | ₹9,126 | No room-rent cap; 50% bonus a year up to 100%; consumables cost extra |
| Aditya Birla Activ One MAX | ₹10,152 | Cover grows 100% a year, claim or no claim, up to 500%; consumables included |
| HDFC ERGO Optima Secure | ₹12,900 | Cover doubled from day one at no extra premium; listed consumables paid |
Same profile as the chart above, all four quoted the same day.
What changes an Activ One MAX quote?
Your city
A Bengaluru pincode (560001) cut the 30-year-old's ₹10 lakh price to ₹7,963, ₹2,189 less than Mumbai (400001). Delhi (110001) came out exactly the same as Mumbai, at ₹10,152. Our guide to zone-based premiums explains how insurers draw zones.
Age bands
30 and 35 sit in one band. The biggest step for ₹10 lakh comes between 50 and 55, from ₹19,170 to ₹26,027. Our note on why premiums rise at renewal covers the rest.
Add-ons and the deductible
Cutting the 3-year pre-existing disease wait was quoted at ₹1,310 a year for a 30-year-old with ₹10 lakh in Mumbai. Chronic Care is priced only once you configure it, so we did not quote it. A voluntary per-claim deductible of ₹15,000 or ₹25,000 lowers the premium, but it applies to every claim, not once a year.
Sum insured
At 30, going from ₹10 lakh to ₹25 lakh costs ₹4,170 more a year. The cover grows faster than the premium: 150% more cover for 41% more money. Super Credit adds 100% of the base every year, so on ₹25 lakh each renewal adds ₹25 lakh of cover until the 500% ceiling. Our guide to how much health cover you need explains why a metro family usually needs more than ₹10 lakh.
Paying for two or three years at once
At 30 with ₹10 lakh, one year was quoted at ₹10,152. Two years paid up front came to ₹18,781, ₹1,523 less than two single years, and three years to ₹27,410, ₹3,046 less than three single years. Both comparisons are against single years at today's price; in practice each renewal is re-priced for your age band and any rate revision. That is a real saving, but you can only port at the end of the term you paid for.
Your health
These quotes declare no pre-existing condition. If you have one, the insurer can add a loading, apply a waiting period or decline after underwriting, so your price can differ from the chart. On Activ One MAX the 3-year pre-existing wait can be cut to 2 years or 1, or waived for seven chronic conditions with Chronic Care. Our explainer on premium loading covers how loadings work.
Who should not buy Activ One MAX?
Anyone planning a child, because no Activ One variant covers maternity. Anyone who wants twice the cover from day one, which is the NXT variant. And check that a quote has no per-claim deductible switched on: on three admissions, a ₹25,000 deductible is ₹75,000 out of your own pocket.
Activ One MAX premium, questions answered
Is Activ One MAX cheaper in Bengaluru than in Mumbai?
Yes. A 30-year-old with ₹10 lakh was quoted ₹7,963 a year at a Bengaluru pincode and ₹10,152 in Mumbai; Delhi came out the same as Mumbai. Insurers set their own city zones, so a quote for your own pincode is the only reliable number.
What is the Activ One MAX premium for a 30-year-old?
₹10,152 a year for ₹10 lakh, for one adult in Mumbai, with consumables and a yearly health check-up built in. ₹7 lakh costs ₹9,607 and ₹25 lakh ₹14,322. A 35-year-old was quoted the same, because both ages sit in one price band, and a Bengaluru pincode cut the ₹10 lakh price to ₹7,963.
How much is Activ One MAX at 60?
₹30,817 a year for ₹10 lakh at 60, against ₹10,152 at 30, for one adult in Mumbai. The steepest climb comes between 50 and 55. If you are younger, buy now and renew without a break, so the waiting periods you have served still count.
Does the Aditya Birla Health premium include GST?
No GST is added. Individual health insurance has been exempt from GST since 22 September 2025, under CBIC Notification 16/2025-Central Tax (Rate) of 17 September 2025, and every quote on this page carried no tax. Group cover, such as a policy from your employer, still carries 18% GST.
Sources
- Insurer premium quotes for Aditya Birla Activ One MAX (UIN ADIHLIP24097V012324), 24 October 2026, 18:09:17 to 18:09:45 IST: one adult aged 25 to 60, individual cover, pincode 400001 (Mumbai), with 560001 (Bengaluru) and 110001 (Delhi) at age 30 for the city comparison, no pre-existing condition, 1-year term, no add-ons.
- Activ One prospectus, UIN ADIHLIP24097V012324 (adityabirlacapital.com), read 24 October 2026
- Activ One MAX policy wording, UIN ADIHLIP24097V012324 (adityabirlacapital.com), read 24 October 2026
- GST exemption for individual life and health insurance, Department of Financial Services (CBIC Notification 16/2025-Central Tax (Rate), 17 September 2025), read 24 October 2026
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