Aditya Birla Health Activ One MAX vs Care Health Care Supreme
Side by side on the figures that decide a claim — and which one we would actually pick.
We score Care Health Care Supreme higher at 4.5/5 against 4.4/5, winning 3 of the 7 comparable measures. Activ One MAX is the cheaper of the two on the illustrated profiles.
Side by side
| Measure | Aditya Birla Health Activ One MAX | Care Health Care Supreme |
|---|---|---|
| Myinsurancebro Score | 4.4 / 5 | 4.5 / 5 |
| Claim settlement ratio 3-year average | 96.25% | 95.45% |
| Complaints per 10,000 claims Lower is better | 18.67 | 42.67 |
| Cashless hospitals | 16500 | 22100 |
| Annual health premium | ₹4,920.43 Cr | ₹8,404.67 Cr |
| Sum insured available | ₹2 L – ₹6 Cr | ₹5 L – ₹1 Cr |
| Restoration of cover | Unlimited, from the 2nd claim onward | Unlimited automatic recharge |
| No-claim bonus | 100% a year, up to 500% — capped at ₹3 Cr | Up to 100%, extendable to 500% or unlimited via add-on |
| Pre-existing disease wait | 3 years | 3 years |
| Specific illness wait | 2 years | 2 years |
| Maternity cover | Separate product | Not covered |
| Room rent limit | No limit — any room category | No limit on ₹10 L and above |
| Consumables covered | Via add-on | Claim Shield Plus add-on — 146 items |
| Premium — couple, 31 & 32 | ₹16,299 | ₹21,528 |
| Premium — seniors, 62 & 63 | ₹66,505 | ₹78,923 |
Activ One MAX
The best value on this list, and by a clear margin. It undercuts every other plan at every profile while holding a 96.25% settlement ratio, and the 500% cumulative bonus means the cover you buy at 28 is worth several times as much by 40. The caveats are that restoration starts from your second claim rather than your first, and that maternity is not available at all. If you are young, reasonably healthy and not planning a pregnancy in the next few years, this is where your money goes furthest.
Against it
- 18.67 complaints per 10,000 claims — twice HDFC ERGO, though far better than Care Health
- Restoration only kicks in from the second claim, not the first
- Hitting the full 100% HealthReturns discount is very hard in practice
- Maternity requires an entirely separate policy
- A younger health insurer, so the servicing track record is shorter
Care Supreme
Care Supreme has the better feature sheet and HDFC ERGO has the better claims desk, and which of those you weight more heavily should decide it. The unlimited recharge, the 22,100-hospital network and the Instant Cover add-on are all real advantages, especially if you live outside a metro or have a pre-existing condition you want covered quickly. But 42.67 complaints per 10,000 claims is a number we will not talk you past — it means roughly one in every 234 claims ends up escalated. Buy this for the network and features, with your eyes open about servicing.
Against it
- 42.67 complaints per 10,000 claims — nearly five times HDFC ERGO. This is the headline problem
- 95.45% settlement ratio is respectable but trails HDFC ERGO by two full points
- No complimentary annual health check-up
- Consumables need the paid Claim Shield add-on rather than being built in
- Room rent is capped on the ₹5 lakh variant
Which one we would pick
Care Health Care Supreme, on balance — 4.5/5 against 4.4/5. Where Activ One MAX is ahead: claim settlement ratio, complaints per 10,000 claims, premium — couple, 31 & 32, premium — seniors, 62 & 63. Where Care Supreme is ahead: myinsurancebro score, cashless hospitals, annual health premium.
A score ranks plans on the evidence available; it cannot know your health history, your dependants or which exclusion will matter to you in ten years. Where the two are close, the deciding factor is usually the text rows above — room rent, waiting periods, exclusions — read against your own circumstances.
Scores are plan features 45%, insurer strength 45%, premium 10% — how we score plans.
Frequently asked questions
Which is better, Aditya Birla Health Activ One MAX or Care Health Care Supreme?
We score Care Health Care Supreme higher at 4.5/5 against 4.4/5. Care Supreme has the better feature sheet and HDFC ERGO has the better claims desk, and which of those you weight more heavily should decide it. The unlimited recharge, the 22,100-hospital network and the Instant Cover add-on are all real advantages, especially if you live outside a metro or have a pre-existing condition you want covered quickly. But 42.67 complaints per 10,000 claims is a number we will not talk you past — it means roughly one in every 234 claims ends up escalated. Buy this for the network and features, with your eyes open about servicing.
Which of the two settles more claims?
Aditya Birla Health — 96.25% against 95.45%. Read it beside complaint volume: Aditya Birla Health draws 18.67 complaints per 10,000 claims and Care Health 42.67 complaints.
Which is cheaper?
Aditya Birla Health Activ One MAX, on the illustrated profiles in the table above. Premiums are illustrations for a stated profile, not quotes — your own depends on age, health, city and underwriting.
Read the full reviews
Disclaimer: Figures shown here are compiled from IRDAI annual reports and public grievance disclosures, and from insurer public disclosures and policy wordings. Claim settlement ratios and complaint volumes are three-year averages for FY 2024–26. Premiums are indicative illustrations for the stated profile, not quotes — your actual premium depends on your age, health, city, habits and underwriting. Scores are Myinsurancebro's own assessment. Always read the official policy document and speak to an advisor before buying. Myinsurancebro is an IRDAI-licensed insurance advisor — we do not manufacture or underwrite any insurance product.