Aditya Birla Health Insurance
Activ One Max
Health Insurance that Rewards Wellness
Coverage
Up to ₹6 Crore
Policy Type
Individual/Floater
Rating
4.5
Key Features
HealthReturns™
Earn up to 100% of your premium back as rewards for staying healthy.
Unlimited Super Reload
Sum insured automatically refills unlimited times within policy year.
Super Credit Boost
Increases your sum insured based on your healthy lifestyle choices.
Claim Protect
Coverage for listed non-medical expenses during hospitalization.
Chronic Care - Day 1
Chronic conditions covered from day 1 with no waiting period.
No Capping
Zero restrictions on room rent, disease limits, or treatment costs.
What's Covered
Inclusions
- ✓In-patient hospitalization expenses
- ✓Chronic Management Program - OPD
- ✓Personal Accident Cover
- ✓Critical Illness Cover
- ✓Modern procedures and treatments
- ✓Durable Equipment Cover (up to ₹5 lakhs)
- ✓Second Medical Opinion (27 illnesses)
- ✓AYUSH treatments
- ✓Cancer Booster add-on
- ✓Annual screening for cancer patients
Exclusions
- ✗Pre-existing diseases (3-year waiting period)
- ✗Specific diseases (2-year waiting period)
- ✗Cosmetic or plastic surgery (unless medically necessary)
- ✗Self-inflicted injuries
- ✗War or nuclear risks
- ✗Congenital diseases (unless covered by rider)
- ✗Dental treatment (unless due to accident)
- ✗Non-allopathic treatment (except AYUSH)
Network & Support
11,000+
Network Hospitals
96%
Claim Settlement Ratio
₹2L - ₹6Cr
Sum Insured Range
Eligibility Criteria
Age Limits
- Adults: 18 years onwards (no upper limit)
- Children: 91 days - 25 years
- Renewal: Lifelong
Policy Options
- Individual & Family Floater options
- Sum Insured: ₹2 Lakh to ₹6 Crore
- Policy Term: 1, 2, or 3 years
Based on 12,800+ customer reviews
Deepak Malhotra
Chennai • Nov 5, 2023
HealthReturns™ is incredible! I got 45% of my premium back as rewards for maintaining good health. This plan truly encourages wellness.
Neha Desai
Ahmedabad • Oct 12, 2023
Super Reload is a lifesaver! My sum insured got refilled multiple times during a challenging year. Best investment for family health!
Arjun Singh
Jaipur • Sep 20, 2023
Chronic Care Day 1 coverage is good, but the HealthReturns™ rewards are modest if you have even minor claims. Policy document is lengthy and complex for understanding limits.
Priya Nambiar
Bangalore • Aug 15, 2023
The 96% claim settlement ratio is great and claims were paid promptly. However, some add-ons carry high premiums. Overall good value for comprehensive coverage.
Customer reviews are verified by Aditya Birla Health Insurance
Ready to Get Protected?
Get a personalized quote for Aditya Birla Activ One Max.