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Last updated on: September 22, 2025
The Aditya Birla Activ Classic Plan and Activ One Combo Plan are distinct health insurance offerings tailored to different needs. The Activ Classic Plan is a straightforward, individual or family floater policy focusing on essential health coverage, including in-patient hospitalization, wellness benefits, and chronic management. In contrast, the Activ One Combo Plan is a comprehensive package bundling multiple benefits—such as hospitalization, outpatient care, wellness perks, maternity cover, and critical illness protection—into a single policy, offering more holistic coverage for families seeking extensive security and convenience. The Combo Plan is ideal for those wanting all-inclusive protection, whereas the Classic Plan suits individuals or families prioritizing core hospitalization coverage at a potentially lower premium. Your choice depends on your budget, family size, and desired coverage breadth.
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Health insurance is no longer a luxury, it has become a first necessity in the world of fast changes. Indian families will be facing the challenge of discovering the appropriate health plan especially with the increased medical bill and uncertain lifestyles in 2025. The Activ Classic Plan and the Activ One Combo Plan are two of the most popular among the Aditya Birla Health Insurance coverage. But what one suits your needs and your budget better? This elaborate guide is a close comparison between these two health insurance plans in terms of their major characteristics, dissimilarities, costs, claims procedures, and so on.
Aditya Birla Activ Classic Plan is the argued health insurance plan targeting the individuals and families with a desire to have a standard coverage without unreasonable frills. It provides necessary benefits like in-patient hospitalisation, pre and post hospitalisation, daycare treatment, organ donor cost and tax benefit. The plan has over the years been modified to incorporate Wellness features and HealthReturns to policyholders who are active.
The plan is best suited for:
Did You Know? Health policies with inbuilt wellness programs are being taken by many young Indians in 2025 and the wellness programs actually lower their insurance premium annually[1].
People also ask:
Is Activ Classic cashless policy?
Yes, Activ Classic includes the cashless treatment in more than 10,000 network hospitals in India, thus, it is convenient among customers.
Aditya Birla Activ One Combo Plan is a family and individual product which is offered as a bundled product to clients seeking an all-in-one health product. It combines a health, personal accident and critical illness cover in one umbrella. The plan is a special one designed to suit urban residents, working and families that want extra benefits and expanded security.
Did You Know? A survey conducted on the industry in 2025 has found that more than 40 percent of the individuals in major cities of India buy health insurance through Combo Plans to save premiums and paperwork[2].
The structure of both plans is different although they both have activation benefits. Activ Classic rewards is a policyholder program that will primarily reward their policyholders based on the healthy lifestyle choices that are tracked through the HealthReturns program. Activ One Combo, in its turn, provides wellness benefits as well as adds loyalty bonuses, unlimited restoration, and doubled sum insured in some accident cases, providing better protection.
People also ask:
Which plan is better in terms of no claim bonus?
Activ one Combo will have no claim bonus up to 100 percent whereas Activ Classic will be at up to 50 percent.
| Feature/Benefit | Activ Classic Plan | Activ One Combo Plan |
|---|---|---|
| Sum Insured Range | 2 lakh - 1 crore | 5 lakh - 2 crore |
| None Claim Bonus | None up to 50 percent | None up to 100 percent |
| Critical Illness Cover | Optional Add-on | Included on 64 diseases |
| Accident Cover | None | Yes |
| Restoration Benefit | One yearly | Unlimited |
| Wellness Rewards | HealthReturns plus vote program | HealthReturns plus loyalty rewards |
| Policy Term | 1, 2, 3 years | 1, 2, 3 years |
| OPD Cover | Extra option is provided | Within some variants |
| International coverage | Not available | Critical illness available |
| Entry Age | 5 years to 65 years | 5 years to 70 years |
| Pre Existing Disease Waiting | 3 years old | 2-4 years (Depends variant) |
| Network Hospitals | 10,000 plus | 10,000 plus |
| Cashless Claims | Yes | Yes |
Pros:
Cons:
Pros:
Cons:
Did You Know? A lot of Indian corporates in the year 2025 have ample Combo Health Plans, which are included in flexible employee benefit packages that have boosted insurance penetration[3].
The Activ Classic Plan is also adequate in case you are seeking a cheap base policy to cover your family and you are not interested in having inbuilt accident or critical illness cover. It is pocket friendly and serves big health costs such as lifestyle diseases. But when you like consolidated cover and less concerns regarding exclusions or global cover, then Activ One Combo Plan will work even with increased premiums.
It is announced that Aditya Birla Health Insurance has a fast and transparent claim settlement service in 2025. Both plans provide cashless benefits in more than 10,000 network hospitals via an easy online intimation or helpline.
Key steps include:
People also ask:
What is the claim settlement ratio of Aditya Birla Health Insurance?
The data provided in 2025 reflects that Aditya Birla Health Insurance has been recording a settlement ratio inclusive of more than 96 percent, which ensures rapid claims payout.
Both the traditional and the combo plans will permit additions such as:
Note however that Activ One Combo has more built-in advantages that save on the use of various add-ons.
Did You Know? The addition of Super Top Up plan is highly sought after in 2025 to prevent the problem of underinsurance in particular to large diseases or hospitalisation expenses more than 20 lakh[4].
In making a decision, compared to Activ One Combo Plan, Activ Classic, it is better to consider:
Activ Classic can be adequate provided you are below 40 years, and your medical risks are low. Combo Plan can be a better option in case your family has older citizens, already has heart or cancer history or travel abroad.
People also ask:
Is it possible to change Classic to Combo plan in a few years?
Yes, you can move across plans at renewal, but underwriting and wait periods of particular diseases.
The main general exclusions on either:
Combo also has a pending time of particular critical illnesses.
The policyholders of Aditya Birla Health Insurance score high on mobile claim, WhatsApp services, and prompt health checkup booking. Aditya Birla Health Insurance app and web portal enable the purchase and renewal of both products. Value adds are also available to customers such as nutrition advice, fitness tracking and digital records management.
Did You Know? There are now numerous hospitals in metro cities with specific Aditya Birla Health help desk to help cashless patients in 2025[5].
Better or worse, Aditya Birla Health or HDFC Ergo?
They are both distinct advantages but Aditya Birla Health has been known because of its HealthReturns and wide coverage.
Will there be an option of purchasing Aditya Birla policies online in 2025?
Yes, on their official site and application, all Aditya Birla health plans can be purchased online or eKYC.
Are such policies tax-beneficial?
Yes, self, parents, spouse, and children all health insurance premiums are subject to tax deduction in section 80D of the Income Tax Act.
What is the plan in 2025 regarding corona or pandemic related hospitalisation?
Both policies include COVID19 and other pandemics in accordance with the IRDAI standard guidelines, except otherwise.
How could we improve this article?
Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.
The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.
This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.
Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).
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