Aditya Birla
Activ One MAX
🏢 Founded
2016
New-age insurer with health-focused product innovation.
✅ Claims
96% CSR
3-year average claim settlement ratio based on published reports.
🏥 Hospitals
12,000+
Large cashless hospital network across India.
💬 Complaints
19 / 10K
Moderate complaint ratio on reported claims.
✨ Expert Verdict
Activ One MAX is a strong all-round choice for people who value wellness-linked benefits alongside serious hospitalization protection. Its reload, bonus, and chronic-care extensions make it especially useful for long-term family coverage planning.
Pros
- Very strong reload/restoration capability.
- Wellness-linked rewards can improve long-term value.
- Useful chronic-care focused add-on options.
- Comprehensive base benefits with consumables support.Standout
Cons
- Doctor consultations and maternity need add-ons in most scenarios.
- Track record is newer than legacy insurers.
Key Features
Unlimited Reload BenefitStandout
Sum insured can reload multiple times after exhaustion during the policy year.
HealthReturns™
Rewards healthy behavior and can return up to 100% of premiums in reward form.
Strong Bonus Structure
Renewal bonus can grow significantly (up to defined policy caps) irrespective of claims.
Comprehensive Hospitalization Cover
Supports modern treatments, day-care procedures, pre/post hospitalization, and consumables.
Wellness & Chronic Care Orientation
Includes optional chronic care support and preventive-care oriented features.
Add-ons
Chronic Care
Reduces PED waiting for listed chronic conditions to day 1.
Reduction in PED
Brings general PED waiting down to 1 or 2 years.
Chronic Care Management Program
OPD support for defined chronic conditions.
Critical Illness
Lump-sum critical illness payout up to selected limits.
Personal Accident Cover
Extra accidental death/disability payout.
Tele-OPD Consultation
Unlimited GP e-consults for insured members.
Waiting Periods
Initial Waiting: 30 Days
No cover except accidental hospitalization.
Specific Illness: 2 Years
Applies to listed ailments as per policy wording.
Pre-Existing Diseases: 3 Years
Can be reduced with add-ons for broader or disease-specific coverage.
Key Exclusions
Advanced therapies/procedures listed as non-payable in policy wording.
Stem-cell therapy (except permitted hematopoietic use-cases).
Admissions primarily for diagnostics and evaluation purposes.
Diagnostic expenses not related to active treatment.
Admissions primarily for bed rest and not active treatment.
FAQs
Does Activ One MAX have waiting periods?
Yes — 30-day initial waiting, 2-year specific illness waiting, and 3-year PED waiting in base form.
Does it have room rent restrictions?
No. The plan allows access to available room categories as per policy terms.
Does it offer restoration benefit?
Yes. It offers unlimited restoration/reload events, where each event can restore up to 100% of base sum insured.