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Last updated on: September 22, 2025
The Aditya Birla Activ Classic Plan and Activ One Economy Plan are health insurance policies designed for varying needs and budgets. The Activ Classic Plan offers comprehensive coverage with features like chronic management, hospitalisation cover, day care treatments, and wellness benefits, making it suitable for individuals seeking broader protection and added health incentives. In contrast, the Activ One Economy Plan is a more budget-friendly option that covers essential medical expenses, including hospitalisation and pre-/post-hospitalisation, but may have fewer add-ons and lower sum assured options. While Activ Classic Plan caters to customers wanting extensive coverage with additional benefits, the Activ One Economy Plan is ideal for those looking for basic, affordable health insurance. Your choice depends on your health requirements, preferred features, and budget.
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Good health insurance policy selection is very important in India in terms of financial and family security. Since healthcare expenses rise annually in 2025, it is significant to choose a plan that would suit the needs of every Indian family. Aditya Birla Health Insurance has two famous plans the Aditya Birla Activ Classic Plan and Aditya Birla Activ One Economy Plan. Although both of them target to offer comprehensive coverage, benefits, coverage choices, sub limits, and eligibility have some notable differences.
In this paper, the author will provide an in-depth comparison of the Activ Classic and Activ One Economy plans, their features, advantages and disadvantages, premium details, and applicability to working professionals, salaried employees and families.
Activ Classic Plan is characterized by its moderate features and easy claim procedure. It is a very comprehensive health care plan and thus applicable to virtually all age groups.
Did you know? Activ Classic has made it through its vast hospital network with quick claim settlements to be a preference of many urban families as per Aditya Birla Health data as of early 2025.
Activ One Economy Plan is made to offer basic coverage with a low premium particularly to those earning a salary, young professionals and those who purchase insurance cover in the first time.
Professional opinion: As demand for post-pandemic solutions related to health is on an economy basis, plans based on economy have increased by 20 percent in the metros, according to the 2025 IRDAI trends.
The main consideration in the comparison between these two plans is coverage. They both include hospitalisation, AYUSH, day care, ambulance, and wellness but obvious variations in sum insured, sub limits, and rewards.
| Features | Activ Classic Plan | Activ One Economy Plan |
|---|---|---|
| Sum Insured Range | 2 lakh to 1 crore | 3 lakh to 25 lakh |
| Pre Hospitalisation Premise | 60 days | 60 days |
| Post Hospitalisation Cover | 180 days | 180 days. |
| Day Care Procedures | Yes | Yes |
| Room Rent Limit | single Private AC Room | Depends on SI. (Economy Plan: limit on <10 lakh SI) |
| Wellness Rewards | Up to 30 percent premium | Yes. |
| Health Checkup | Annual | Annual (claim free) |
| Chronic Management Program | Yes | Limited. |
Another question people raise is: Would I be able to raise my sum of insured later?
Yes: Both the plans permit the sum insured increment at policy renewal, with underwriting and conditions.
Waiting periods refer to those that must be waited until the commencement of certain benefits. Both the plans have common waiting periods, few conditions might differ.
Did you know? Low waiting time of the chronic ailments in Classic assists the middle aged purchasers and individuals with family history of diabetes or heart disease.
Premium is a vital factor. It is difficult to quote an exact price as all the applicants have varying needs (age, sum insured, health). However, the estimated 2025 premium of a 30 year old male on five lakh sum insured are as given below:
| Plan | Annual Premium (Rs.) on average |
|---|---|
| Activ Classic | 7,500 to 9,000 |
| Activ One Economy | 5,400 to 6,200 |
In larger families or increased sum insured, the premium in Activ Classic increases at even a higher rate yet with increased coverage.
The other question is: Is it a medical checkup or not before purchase?
Answer: In the case of most healthy citizens under age 45, medical tests are not a requirement to a maximum of 10Lakh.
Aditya Birla Health has a reputation of easy cashless hospitalisation and claim hassle free. Both Classic and Economy have fast claim turnaround, as they have a large network of hospitals.
Expert advice: In case of intended admission, make sure to inform your insurer within 24 hours in order to get the cashless approval swiftly.
The Aditya Birla Health has wellness features and reward programs as one of its USP. The Wellness Points can be earned with both plans.
One can earn these rewards through step tracking, health checkups, fitness programs or passing quizzes through the Activ Health app.
Did you know? According to the latest digital guidelines of IRDAI, Wellness Points can directly be utilized to deduct your renewal premium up to the allowable percentage in 2025.
Pick Activ Classic if:
Best Suited To: Expanding families, middle-aged occupations, urban parents and individuals that need complete coverage.
The question that people ask is also: Is Activ Classic appropriate to the senior citizens?
Answer: Yes, it is a good one among the seniors with sum insured options and chronic care features.
Opt for Activ One Economy if:
Best Suited: Young workers, first time buyers of insurance and small families preferring to have the basic cover at low cost.
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Cons:
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Did you know? IRDAI advisory 2025 suggests insureds to choose plans according to their life stage and health history, not only premium.
Another question people have been asking is: Is it possible to port between Classic and Economy and vice versa?
Yes, internal portability is typically permissible at renewal, as it is underwritten.
Q. Which is better in the case of a family of four?
A. Activ classic is the best choice because it has vast sum insured and also comprehensive family floater.
Q. Are maternity covered by both plans?
A. Maternity can be availed under select variants and subsequent to waiting period hence beware of policy wording of policy.
Q. What is Classic HealthReturns?
A. HealthReturns: Healthy lifestyle reward points received as Healthy Returns pay renewal premium to 30 percent.
Q. Is it possible to include parents to Economy plan?
A. Yes, however, they are older and have a medical history that would make it hard to purchase as coverage is lesser compared with Classic plan.
Q. Are these plans tax beneficial in 2025?
A. Yes you may claim tax deduction under 80D on the premiums paid in either plans.
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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