Aditya Birla Health Activ One MAX vs SBI General Super Health Platinum Infinite
Side by side on the figures that decide a claim — and which one we would actually pick.
We score Aditya Birla Health Activ One MAX higher at 4.4/5 against 4.1/5, winning 4 of the 9 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 | SBI General Super Health Platinum Infinite |
|---|---|---|
| Myinsurancebro Score | 4.4 / 5 | 4.1 / 5 |
| Claim settlement ratio 3-year average | 96.25% | 95.94% |
| Complaints per 10,000 claims Lower is better | 18.67 | 14.04 |
| Cashless hospitals | 16500 | 18000 |
| Annual health premium | ₹4,920.43 Cr | ₹4,974.56 Cr |
| Sum insured available | ₹2 L – ₹6 Cr | ₹50 L – ₹2 Cr |
| Restoration of cover | Unlimited, from the 2nd claim onward | Unlimited from the 1st claim, up to 200% of cover per claim |
| No-claim bonus | 100% a year, up to 500% — capped at ₹3 Cr | Health Multiplier — up to 3× cover for 37 serious illnesses |
| Pre-existing disease wait | 3 years | 2 years |
| Specific illness wait | 2 years | 1 year |
| Maternity cover | Separate product | Covered on Platinum Infinite — waiting period 48 months (single adult) / 24 months (other family combinations), cover up to ₹2 Lac |
| Room rent limit | No limit — any room category | No limit — any room category |
| Consumables covered | Via add-on | Built into the base plan |
| Premium — couple, 31 & 32 | ₹16,299 | ₹61,568 |
| Premium — seniors, 62 & 63 | ₹66,505 | ₹1,13,250 |
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
Super Health Platinum Infinite
The most feature-complete plan on this list and, unavoidably, the most expensive. The two features worth paying for are the 2-year pre-existing disease wait and restoration from the first claim — both directly reduce the odds of a claim being declined in the early years. That combination makes it worth a serious look if you are covering parents with existing conditions, where the third waiting year is a genuine risk. For a healthy 25-year-old it is dramatic overkill; Activ One MAX does the job for a quarter of the price.
Against it
- By far the most expensive — ₹45,944 for a 25-year-old, over four times Activ One MAX
- The ₹50 lakh minimum base cover forces you into a large policy whether you want one or not
- Global cover and the Health Multiplier are restricted to listed conditions only
- Renewal discounts are tied to step counts, which will not suit everyone
- Note that the premiums shown are at ₹50 lakh cover, not the ₹15 lakh used for the others
Which one we would pick
Aditya Birla Health Activ One MAX, on balance — 4.4/5 against 4.1/5. Where Activ One MAX is ahead: myinsurancebro score, claim settlement ratio, premium — couple, 31 & 32, premium — seniors, 62 & 63. Where Super Health Platinum Infinite is ahead: complaints per 10,000 claims, cashless hospitals, annual health premium, pre-existing disease wait, specific illness wait.
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 SBI General Super Health Platinum Infinite?
We score Aditya Birla Health Activ One MAX higher at 4.4/5 against 4.1/5. 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.
Which of the two settles more claims?
Aditya Birla Health — 96.25% against 95.94%. Read it beside complaint volume: Aditya Birla Health draws 18.67 complaints per 10,000 claims and SBI General 14.04 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.