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Last updated on: September 22, 2025
Aditya Birla Activ Classic Plan and Activ One Next Pro Plan are both health insurance offerings from Aditya Birla, but they cater to different needs and budgets. The Activ Classic Plan is a budget-friendly option offering basic hospitalization cover, health returns, and wellness benefits. In contrast, the Activ One Next Pro Plan is a comprehensive policy that provides higher sum insured options, covers advanced treatments like organ transplants, home care, OPD, mental wellness, and includes enhanced features such as no room rent capping and annual health checkups for all insured. If you seek affordable, essential health coverage, Activ Classic suffices; however, if you want extensive protection with premium features, Activ One Next Pro Plan is the superior choice. Ultimately, the decision depends on your healthcare needs and budget.
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In India, health insurance should be purchased by comparing the plans before making a purchase. Aditya Birla Health insurance offers 2 favorite products in 2025 and they include the Activ Classic Plan and the Activ One Next Pro Plan. These plans can apply to diverse customer needs and types of customers with distinct benefits, features, and network tie-ups. This comprehensive comparison will get you to know which plan can be the most effective to you and your family in relation to the health requirements.
Activ Classic Plan is a full fledged health insurance of Aditya Birla Health Insurance. It will target individuals and families who are seeking basic, reliable, and broad health coverage at accessible premiums in the year 2025. The plan concentrates on hospitalisation, day care treatment, pre and post hospitalisation and health check amongst other benefits.
Pros
Cons
Did you know?
Policyholders in India are getting more and more rewarded by the insurers to maintain healthy lifestyles by free checkups and premium discounts.
Introduced as an upscale edition of the coverage, the Activ One Next Pro Plan will be designed with premium wellness capabilities, a larger claim limit, and greater flexibility in their health insurance in 2025. It provides broader coverage, prioritizes preventive health and effortless payment of claims.
Pros
Cons
| Characters | Activ Classic Plan | Activ One Next Pro Plan |
|---|---|---|
| Sum Insured Options | 2L to 50L | 5L to 1 Crore |
| Annual Health Checkup | Yes | Yes plus OPD Consults |
| Daycare Procedures Covered | 527 | 600+ |
| None Claim Bonus | None to 50 percent | None to 100 percent |
| Restore Benefit | 1x per year | Unlimited |
| Maternity and Newborn Cover | Optional | Pro included |
| Chronic Care Programs | No | Yes |
| International Coverage | No | Yes (on variant forms) |
| Co-payment on Entry | Above age categories | Over 80 years. |
| Premium Range per annum (2025) | 7k to 60k | 14k to 1.2L |
Sample price per unit of individual, 35 years, sum insured 5 lakh in metro cities as of FY 2025, real rates will be different.
In India, financial planners advise that an individual should have at least 10 lakh coverage because medical expenses are increasing in 2025.
Q: Does both plans cover AYUSH treatment?
A: Yes, Activ Classic and Activ One Next Pro are standard that provides cover of AYUSH.
Both plans are available as floater plans in case you have a family of average size that would like to be covered by any of the two against serious illnesses or a hospitalisation. Nevertheless, Activ One Next Pro will attract increased medical bills, unlimited refills, and improved coverage under the health condition of a long-term ailment like diabetes in a member of the family. The Classic plan may be used by small or healthier families in need of a basic level of protection at a strict budget.
Q: How do these plans differ in regard to waiting periods?
Both: Both are equal in initial waiting period of 30 days, although on some variants, PED has a lower waiting period in Activ One Next Pro.
Yes, both plans provide pre-existing diseases with a waiting period. The PED waiting period is typically 3 years in Activ Classic. Activ One Next Pro Plan can offer a reduced wait in specific corporate alliances and it can offer a superior flexibility to chronic illnesses should you be enrolled in their condition management program.
Did you know?
Most insurance companies are promoting claims through mobile apps to be done instantly and pre-approved.
Both schemes encourage health with the HealthReturns program. When you do regular checkups, exercise, or achieve activity goals, you earn extra payout which can be used to cover the premium payments or purchase medicines in the future. The reward structure in Activ One Next Pro is more interactive and higher through their health app.
Q: Is it possible to port Activ classic to Activ one Next Pro?
A: Yes, you will be able to port or upgrade your plan on the day of renewal and the waiting periods that you had served will be counted as per the IRDAI guidelines.
Q: Which package is more valuable to the elderly in 2025?
A: Activ One Next pro which has greater sum insured and unlimited restore is more suitable to use with senior people who might require regular hospitalisation.
Q: Does Activ one Next Pro include OPD and dental?
A: Yes, in some of its forms, it offers both OPD consultation and basic dental cover.
Q: Does home care treatment have coverage?
A: Both the plans provide home care or domiciliary hospitalisation at the advise of the doctor.
Q: Does it cover Maternity and Newborn expenses?
A: Maternity would be included in Activ One Next Pro as a standard and optional under Classic plan.
Q: What is the grace period of both plans during which a renewal is possible?
A: Both are offering 30 days grace period upon expiry of renewal of policy.
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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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