Insurance Company
Aditya Birla Health Insurance
Policy Name
Activ One – MAX
Expert Overview -
Aditya Birla Health Insurance was established in 2015 and is backed by the Aditya Birla Group. Over the years, it has built a differentiated position in health insurance through its wellness-linked products and growing retail presence.
Plan Strategy -
Comprehensive health insurance plan offering unlimited restoration, 100% no claim bonus every year and annual health check-ups
Network Hospitals
13,000+
>8,500 recommended
Claim Ratio
95.81%
>95% recommended
Complaints
18.2
<20 recommended
Policy Features
Policy Analysis Detail
Inbuilt Value
Strategic Verdict
Co-payment
If yes, you will have to pay part of bill
No co-payment
No Co-payment
Room Rent Limit
If higher-category room, you pay part of the bill
No room rent capping
No room rent capping
Disease sub-limit
Leads to some disease not getting covered fully
No sub limit applicable
No sub-limit
No Claim Bonus
Bonus you receive every year on renewal
100% no claim bonus annually upto 500%
50% each year (Minimum upto 100%)
Restoration Benefit
Even after claim, base cover gets restored
Unlimited restoration of Sum Insured
100% restoration once in a year
Pre-Hospitalization
Days covered before hospitalization
90 days
At least 60 days
Post-Hospitalization
Days covered after hospitalization
180 day
At least 120 days
Consumables
Coverage for non-medical consumable items
Non-medical consumables covered
Consumables covered
Based on IRDAI Public Disclosures (2025-26)
Enhanced Coverage
Key Add Ons Available
Chronic CareDay 1 coverage for Asthma, Hypertension, Cholesterol, Diabetes mellitus, COPD, Obesity or Coronary Artery Disease
Reduction in PEDPre existing disease waiting period is modified/reduced from 3 years to 2 years and 1 year
Timing Constraints
Waiting Period Analysis
Initial Waiting Period
30 days
Specific Illness
2 years
Pre-Existing Disease
3 years
