Activ One – MAX in one table
| Insurer | Aditya Birla Health Insurance Company Limited |
|---|---|
| Sum insured | ₹2 lakh to ₹6 crore, in tiers of 2 / 3 / 4 / 5 / 7 / 10 / 15 / 20 / 25 / 50 / 75 lakh and 1 / 2 / 3 / 4 / 5 / 6 crore |
Claim settlement and complaint figures are IRDAI-published and held centrally by NYVO, not taken from the insurer's marketing.
What Activ One – MAX covers
These are the terms that decide what you are actually paid when you claim. Room rent, co-pay and restoration do more to shape a settlement than the sum insured does, and they are read from Aditya Birla's own policy wording.
| Feature | This plan | What good looks like |
|---|---|---|
| Co-payment | Nil. A per-claim deductible of ₹15,000 or ₹25,000 can be chosen voluntarily to cut the premium | No Co-payment |
| The Activ One variants | Activ One is one filing, UIN ADIHLIP24097V012324, sold in seven variants – NXT, MAX, MAX+, VYTL, VIP, VIP+ and SAVR. They share the wording and differ in cover, Super Credit and the optional benefits switched on. MAX is the variant reviewed here. | One filing, not seven products |
| Room Rent Limit | Room rent and ICU charges at actuals up to the sum insured – no category restriction | No room rent capping |
| Disease sub-limit | Nil. Mental illness, obesity treatment, day care, modern procedures and road ambulance are all paid up to the sum insured | No sub-limit |
| Super Credit (annual bonus) | 100% of the base sum insured added each year regardless of claims, accumulating to 500% of base cover or ₹3 crore, whichever comes first. Built into MAX, not an add-on | 50% each year (Minimum upto 100%) |
| Super Reload (restoration) | Refills the base sum insured an unlimited number of times in a policy year, for the same illness or a different one. It does not apply to the very first claim in the life of the policy | 100% restoration once in a year |
| Pre-Hospitalization | 90 days | At least 60 days |
| Post-Hospitalization | 180 days | At least 120 days |
| Consumables (Claim Protect) | Built in. Every non-payable item across all four lists of Annexure I is covered on an admissible claim | Consumables covered |
| Day-Care Treatment | All day-care treatments covered up to the sum insured, with no procedure list | Covered without a capped list |
| AYUSH Treatment | Covered up to the sum insured in an AYUSH hospital or day-care centre | Included |
| Home Health Care and Domiciliary | Both covered up to the sum insured | Included |
| Annual Health Check-up | Built in, cashless, once a policy year for anyone aged 18 or over. The test list widens as your sum insured rises | Included |
| HealthReturns | Up to 100% of premium, earned through Active Dayz and a Healthy Heart Score | Wellness reward available |
| Entry age | Adults from 18 with no maximum entry age. Children 91 days to 25 years on a floater; an individual policy can start at 5 | No maximum entry age |
Activ One – MAX add-ons you can buy with it
Each of these costs extra and each has its own conditions. Some are genuinely worth it; several exist to patch a gap in the base plan. Ask what each one adds before it goes on your quote.
Activ One – MAX discounts you can ask for
Published discounts on this plan. Most are applied at quote stage rather than offered, so it is worth naming the ones you qualify for. Every figure is a ceiling, not a promise - what you actually get depends on the case.
| Discount | Worth | When it applies |
|---|---|---|
| HealthReturns | Up to 100% of premium | Not a discount at purchase but a reward you accrue by being active, spendable on OPD costs or a fitness tracker. |
| Family discount | Up to 5% or 10% | 5% for two or three members in one policy, 10% for four or more. |
| Long-term discount | Up to 7.5% or 10% | 7.5% on a 2-year policy and 10% on a 3-year policy. |
| Preferred Provider Network | Up to 10% | In exchange for treating within the insurer's preferred hospital list. |
From the Activ One prospectus. Total discounts are capped at 27.1% of the policy premium.
Activ One – MAX waiting periods: when each part of the cover starts
Waiting periods run from the day cover began, not from the day you fall ill, and they run in parallel rather than one after another.
| Initial Waiting Period | 30 days |
|---|---|
| Specific Illness | 24 months |
| Pre-Existing Disease | 3 years – reducible to 2 years or 1 year, or waived for seven chronic conditions if you add Chronic Care |
| Critical Illness rider (signs or symptoms) | 60 days, plus a 15-day survival period |
The named illnesses that wait 24 months
Taken from the Activ One MAX policy wording, section D.1.2. These wait 24 months from the start of your first Activ One policy. An accident is covered from day one. If the same condition is also pre-existing, the longer 3-year clock applies instead. Indicative list – the wording carries the full set.
Activ One – MAX exclusions: what the plan will not pay for
Every policy carries exclusions, and they are the clauses people read for the first time at claim stage. These are the ones worth knowing before you buy.
Where Activ One – MAX falls short
No plan is right for everyone, and a page that only lists strengths is not much use to you. These are the gaps we would raise on a call before recommending it.
Activ One – MAX questions, answered
What is the difference between Activ One MAX, NXT, VYTL, VIP and SAVR?
They are variants of one filing, not separate products – every Activ One prospectus carries the same UIN, ADIHLIP24097V012324, and lists all seven. What changes between them is the sum insured band, how Super Credit accrues and which optional benefits are switched on. The policy wording, waiting periods and exclusions are common to all of them, so this page applies whichever variant you are quoted.
Is Super Credit a no-claim bonus?
No, and the difference matters. The wording adds a fixed percentage of your base sum insured each year 'irrespective of any claims in previous Policy Year', so long as you renew without a break. On MAX that is 100% of the base cover a year, accumulating to 500% of base or ₹3 crore, whichever is reached first. A claim does not reset it and does not stop it growing.
How many times can the cover be restored?
An unlimited number of times within a policy year, and the refill applies to the same illness as well as an unrelated one. The one restriction is that it does not pay on the very first claim in the life of the policy. From the second claim onwards it refills up to your base sum insured each time.
How long is pre-hospitalisation cover?
90 days before admission and 180 days after discharge, both up to the sum insured. The 90-day pre-hospitalisation window is longer than the 60 days most plans give, which helps when a diagnosis involves several rounds of scans and consultations before you are admitted.
Are consumables covered?
Yes, built in. Claim Protect settles the non-payable items across all four lists of the policy annexure on any admissible claim, so gloves, PPE, syringes and administrative charges are paid by the insurer rather than deducted. On the NXT variant the same benefit has to be bought separately.
What are the waiting periods?
30 days for any illness other than an accident, 24 months for a named list of conditions and procedures, and 3 years for pre-existing disease. Both the 24-month and 3-year clocks can be shortened for extra premium, but only at the inception of your first policy – not at a renewal and not on a port.
Does MAX cover diabetes or blood pressure from day one?
Only if you add the Chronic Care option. With it, the pre-existing and initial waiting periods are both waived for seven named conditions – diabetes, hypertension, asthma, high cholesterol, COPD, obesity and coronary artery disease with a PTCA done over a year ago. Without it, those conditions sit behind the 3-year pre-existing wait like anything else.
Read it from the insurer
We summarise. The policy wording is the contract, and it is the only document that settles a dispute. These links go to the insurer's own pages.
Understand the terms before you commit
A plan page tells you what this policy does. These explain why each term matters and what it costs you when it is missing.
Other Aditya Birla plans we have read
Aditya Birla files these separately, and the terms differ between them. If you are choosing within the range, compare the waiting periods and the exclusions rather than the sum insured.