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Last updated on: September 22, 2025
The Aditya Birla Activ Classic Plan and the Activ One Max Plan are both comprehensive health insurance options, but they cater to different needs. The Activ Classic Plan is a more basic, affordable policy ideal for individuals or families seeking essential coverage, offering benefits like hospitalization, pre- and post-hospitalization expenses, and wellness rewards. In contrast, the Activ One Max Plan is a premium offering, featuring higher sum insured options, enhanced benefits such as OPD cover, unlimited reload of the sum insured, and advanced wellness programs. It also includes features like global coverage and coverage for critical illnesses. Ultimately, the Activ Classic Plan suits budget-conscious consumers looking for standard protection, while the Activ One Max Plan is better for those desiring extensive coverage, value-added services, and higher financial safeguards. Your choice should depend on personal requirements, budget, and desired level of healthcare security.
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Aditya Birla Health Insurance has established a good reputation in India because it has different varieties of health policies to cater to various coverage requirements. The decision of the proper health plan, particularly the Aditya Birla Activ Classic Plan compared to Aditya Birla Activ One Max Plan, is a matter of big concern to the Indian families and individuals as we enter the year 2025. This article goes into an in depth analysis of each of these plans and examines their features, advantages, and shortcomings as well as the applicability, allowing you to make an informed decision in regard to your healthcare needs.
Aditya Birla Activ Classic Plan is an attractive and usual health insurance providing that is mostly utilized by individuals and nuclear families having typical coverage requirements. It lays stress on rudimentary indemnity against medical crises, hospitalisation expenses, and such formalities.
Activ One Max Plan, however is the next-generation and enhanced variant of the brand, which is offered to individuals who want broader summarised benefits, broader health rewards, full global cover, and larger sum insured in order to be fully covered.
In comparison of both the policies, there are a number of distinguishing factors.
Did you know? Activ One Max will have more coverage and be more popular among policyholders in 2025 because it has digital-first elements such as online claim tracking and holistic wellness support.
The Activ Classic Plan may attract families that are interested in simple, cheap and traditional healthcare insurance. Its inclusion of essentials, low premium scales, and seamless renewals qualify it to suit the customers with simple medication demands.
It may appeal to professionals, frequent travellers as well as those with the history or risk of lifestyle diseases based on the Activ One Max Plan. The more advanced costs, the increased sum insured, the worldwide hospitalisation plans and the comprehensive rewards are more attractive to the patients interested in having peace of mind and the maximum benefits of the modern healthcare facilities.
A balanced view is achieved by knowing the positives and the potential shortfalls.
Insight: According to an insurtech expert, it is a good idea to examine your own and family health history before deciding on any specialised features that you may not actually need, and thereby save on a premium that you do not need.
According to the revised IRDAI regulation and changing medical inflation in India, the premiums are dependent on the age, amount of coverage, add-ons, lifestyle and city.
Comparison between Annual Premium (Approximate Annual Premium, Single 35 Years Old, Non-smoker, Delhi NCR, 5 lakh Sum Insured, no GST):
| Plan | Base Premium (2025) |
|---|---|
| Activ Classic | Rs. 5,800 |
| Activ One Max | Rs. 7,950 |
On family floaters or higher sum insured benefits, the difference between the premium increases because of long benefits and age band increases in One Max.
| Characteristic | Activ Classic | Activ One Max |
|---|---|---|
| Sum Insured Options | 2l to 1cr | 5l to 3cr |
| In-patient Hospitalisation | Yes | Yes (Greater sub-limits) |
| Global Coverage | No | Yes |
| Mental Health and infertility | Limited/Add-on | Included |
| Wellness Benefits | Basic | Advanced & Digital |
| No Claim Bonus | Up to 50 percent | Up to 100 percent |
| Restoration Benefit | 100 percent after one time only | Unlimited |
| Maternity Cover | Yes (Waiting) | Yes (Lower WP) |
| Cashless Hospitals | 10,500 plus | 10,500 plus |
| Health Check-up | Annually | All inclusive |
| Premium Band - Individual 5L SA | Rs. 5,800 | Rs. 7,950 |
| Digital Health Tools | Minimal | Extensive |
Q: Is it possible to port Aditya Birla health insurance to another insurance company where one can get a better cover?
A: Yes, as per the IRDAI norms, the policy holder has the right to port to another insurer during the time of renewal under the underwriting guidelines.
Wellness rewards are rewards provided on healthy activities like routine physical exercise, physical check-ups, or prevention check-ups.
Under the Activ Classic Plan:
Earn up to 30 percent return of premium as Health Returns.
Standard provision of wellness activities.
In Activ One Max:
Health can pay back as much as 100 percent on premium.
Access to personal health coach.
Health care visits with artificial intelligence.
Reminder based health risk assessment.
The two policies offer a cashless hospitalisation in the wide network of Aditya Birla in India. Activ One Max however is an upgrade with the provision of more digital claim tracking and real time claim status updates through an online platform.
Claim settlement ratios are usually equal but higher-value claims under One Max can entail more scrutiny by global coverage factors.
Did you know? Aditya Birla as of 2025 states that over 85 percent of individual claims are paid in less than 7 working days, which is higher in case of simpler plans, such as Activ Classic.
Another question people might have is as follows:
Q: Do the two plans pre-approve planned surgeries?
A: Yes, intended procedures are supposed to be pre-informed to the TPA or customer care so as to pre-authorise it easily.
Stick with Activ Classic if:
Choose Activ One Max if:
Yes, this is possible to migrate Activ Classic to Activ One Max upon renewal and the proceeds will have the benefit of continuity on the waiting period on existing illness as per IRDAI provision.
Global coverage, mental health and advanced wellness ecosystem, and quick online claim processing, are the new-age features that are ranked as the most valuable by the recent customer survey. The unlimited restoration and health options offered by Activ One Max can be of great interest to many because the healthcare costs of India are increasing and the patterns of diseases are shifting.
The questions also enlarge:
Q: Are there any age limits of new policy buyers?
A: The entry age is usually 5 years in respect of individual plans and up to 65 years in respect of senior citizens however certain conditions are applicable under add-ons and floater plans.
Value is based on the expectation you have of your health policy. Activ Classic will suit you in case you are only interested in low premium outgo on basic hospitalisation. To achieve a greater safety net, additional features, and extended security, even at a higher annual premium, Activ One Max provides greater overall value.
By establishing a core USP in 2025, improved health rewards do not only serve to reduce the amount of premium outgo through renewals over the years, but also serve as incentives towards staying healthy. They can be utilized in medical costs, enhancement of further cover or redeemable in wellness services.
Both of the plans provide cover on newborns, but after a given waiting period. The waiting window and complication or OPD visit coverage of infants is generally lower with Activ one Max.
The Indian families should be advised by the experts in the year 2025 to look at these newborn and maternity windows when purchasing their policies to ensure that they are covered.
Q: Does activ one Max cover outpatient or OD expenses?
A: Yes, it includes a number of procedures related to OPD as well as preventive services and wellness tasks of a specific amount.
Q: How long is the waiting period of pre-existing illness?
B: Waiting period of both plans is 2-4 years in case of pre existing diseases, based on sum insured and underwriting conditions.
Q: Are such plans also sold to senior citizens?
A: Yes, senior citizens are welcome to both plans but might be charged a higher premium. Before purchasing, it is recommended that one verifies sub-limits and inclusions.
Q: Would the Covid 19 hospitalisation remain covered in 2025?
A: Covid 19 and future pandemic hospitalisation are covered based on IRDAI circulars and the existing policy wordings.
Q: Do the two plans mean that health check-ups are cashless?
A: Yes, it is possible to get annual health check-ups in network hospitals or diagnostic partners without cash.
Q: Are there any possibilities to upgrade Activ Classic to One Max?
A: Upgrades are normally permitted during renewal. An upgrade may be requested midyear although it needs approval by the insurers.
To be on the safe side, all current information should be read on the latest policy words or always see a qualified insurance advisor.
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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