Activ One MAX review
The cheapest of the five with the biggest no-claim bonus, and it pays you back for staying fit.
Aditya Birla Health Activ One MAX scores 4.4/5 in our assessment. Aditya Birla Health settles 96.25% of claims and draws 18.67 complaints per 10,000 claims. Cover runs ₹2 L – ₹6 Cr. Illustrative premiums start at ₹10,149 a year.
View policy document on Aditya Birla Health's website ↗
- Our score
- 4.4 / 5
- Claim settlement ratio
- 96.25%
- Complaints per 10,000 claims
- 18.67
- Cover available
- ₹2 L – ₹6 Cr
- Entry age
- 18 yrs and above — no maximum entry age
- Term
- 1–3 years
- Room rent limit
- No limit — any room category
- Pre-existing disease wait
- 3 years
What Activ One MAX covers
- In-patient hospitalisation in any room category
- Pre-hospitalisation for 60 days and post-hospitalisation for 180 days
- A comprehensive daycare procedure list
- Modern treatments — robotic surgery, gene therapy and similar
- Organ donor expenses
- AYUSH treatment
- Mental health treatment as required under the Mental Healthcare Act 2017
Key features
- Cumulative bonus of 100% a year up to 500% of your base cover, whether or not you claim
- Unlimited restoration from the second claim of the policy lifetime, related or unrelated
- HealthReturns pays you back up to 100% of your premium for hitting fitness targets
- Modern treatments including robotic surgery and gene therapy are covered
- Add-ons to cut the pre-existing disease wait and to manage chronic conditions
- Pre-hospitalisation 60 days, post-hospitalisation 180 days
Riders and add-ons
- PED Waiting Period Reduction
- Chronic Care
- OPD Cover
- Personal Accident
What Activ One MAX does not cover
- Pre-existing conditions for the first 3 years, unless reduced by add-on
- A named list of illnesses for the first 2 years
- Maternity — you need Aditya Birla's separate maternity product
- Dental treatment unless it follows an accident
- Cosmetic and plastic surgery
- Self-inflicted injury and treatment related to substance abuse
What does Activ One MAX cost?
₹15 lakh sum insured, Delhi · annual premium incl. GST and mandatory add-ons. SBI General is quoted at ₹50 lakh, its minimum base cover.
| Profile | Annual premium |
|---|---|
| Individual, 25 | ₹10,149 |
| Couple — 31 & 32 | ₹16,299 |
| Family of 3 — 35, 34 & 5 | ₹21,478 |
| Senior couple — 62 & 63 | ₹66,505 |
What we like
- The cheapest of the five at every profile — ₹10,149 for a 25-year-old against ₹15,111 for Care Supreme
- A 500% cumulative bonus is the largest here; a ₹10 lakh cover can reach ₹60 lakh
- 96.25% settlement ratio, second only to HDFC ERGO
- HealthReturns is not marketing fluff — 10–50% back is realistically achievable
- A strong fit for buyers in their twenties and thirties who will actually use the wellness app
What we don't
- 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
Our verdict
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.
Every score resolves to how we score plans — plan features 45%, insurer strength 45%, premium 10%.
Frequently asked questions
Is Aditya Birla Health Activ One MAX a good plan?
We score it 4.4 out of 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.
What is the claim settlement ratio of Aditya Birla Health?
96.25%, as a three-year average for FY 2024–26 from IRDAI disclosures. Aditya Birla Health receives 18.67 complaints per 10,000 claims.
How much cover can I take under Activ One MAX?
₹2 L – ₹6 Cr. Entry age is 18 yrs and above — no maximum entry age.
What does Activ One MAX not cover?
The main exclusions are: Pre-existing conditions for the first 3 years, unless reduced by add-on; A named list of illnesses for the first 2 years; Maternity — you need Aditya Birla's separate maternity product; Dental treatment unless it follows an accident; Cosmetic and plastic surgery; Self-inflicted injury and treatment related to substance abuse.
Sources
- Aditya Birla Health — Activ One prospectus (UIN ADIHLIP24097V012324) — names MAX as a variant and states entry age "For all Variants" — Section 3 Variants; Section 4 Entry Age (For all Variants); Section 7 Sum Insured Options
- Aditya Birla Health — Activ One family policy wording (UIN ADIHLIP27048V022627)
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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.