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Last updated on: September 22, 2025
The Aditya Birla Activ Classic Plan and Activ One Plan are two popular health insurance options, but they cater to different needs. The Activ Classic Plan is an entry-level policy offering essential hospitalization coverage, with benefits like inpatient care, day care procedures, and wellness programs—ideal for individuals or families seeking affordable health cover. In contrast, the Activ One Plan is a comprehensive, premium offering featuring higher sum insured options (up to ₹1 crore), broader coverage including OPD, maternity, mental wellness, global care, reload of sum insured, and enhanced wellness rewards. While Activ Classic fits those seeking basic, cost-effective protection, Activ One is best for those wanting extensive benefits, larger families, or higher-risk profiles. Choosing between the two depends on your coverage needs, budget, and desire for advanced features.
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Health insurance is one of the most crucial financial choices among the people and families in India. Aditya Birla Health Insurance is a well established brand in the industry that provides a range of all inclusive plans. The Aditya Birla Activ Classic Plan and the Aditya Birla Activ One Plan are two of their products which are most discussed in 2025. When making a comparison between these two policies, this step-by-step guide identifies each significant feature, and you can always make a sure decision on which policy to choose that best fits your health requirements in India.
The two policies are aimed at giving a wide medical coverage, access to network hospitals, wellness benefits and value additions. We should de-pack the two options you choose to ensure you match the plan with your health conditions, family size, age group and needs.
Aditya Birla Activ Classic is considered one of the oldest and most reliable health insurance programmes of the brand. It is loaded with the necessary medical cover, which comprises of basic hospitalisation, pre and post hospitalisation, day care treatments and various add-on covers.
Did you know? The Activ Classic has a clear benefit and claim process which many policyholders like.
This health cover assists you in covering the hospital bills, rent, doctor bill, medicines, surgeries and procedures. The policyholder has an option of either individual or floater plans, and that is why it is acceptable to both nuclear and joint families. The policy is suitable to any time of life since the age of entry is low and the policy can be renewed throughout the lifetime.
Aditya Birla Activ One Plan is a new flagship product that was introduced to the Indian consumers who require more personalised wellness plans, international coverage and a variety of reward schemes based on healthy behaviour. It embraces all that the Classic plan has plus the additional addition of digital health tools and worldwide coverage.
Experts To the Activ One, Expert Insight
Insurance experts recommend that it will suit those who are tech savvy, NRIs visiting India and younger couples planning to do maternity benefits or worldwide cover.
You will pay a premium that is yearly and will receive extensive health coverage in India as well as outside the country on specific conditions. The scheme is aimed at reimbursing preventive treatment, such as yearly health screenings, a healthy way of life, and mobile application tracking - premium reductions to fit and active customers.
And now we can compare the primary considerations that should be made when choosing a health policy.
| Characteristic | Activ Classic Plan | Activ One Plan |
|---|---|---|
| Sum insured | [?]2 Lakh to [?]1 Crore | [?]5 Lakh to [?]2 Crore |
| Network Hospitals (2025) | 10,000 | 11,000 plus |
| Global Coverage | No | Available listed conditions only |
| Pre Hospitalisation Cover | 30 days | 60 days (choose variants) |
| Post Hospitalisation | 60 days | 180 days |
| SI restoration | Up to 1 year per treatment | Unlimited |
| Wellness Rewards | Available (basic) | Digital app-based, high rewards |
| Maternity and Newborn | Add-on | Included in variants at higher range |
| Room Rent Limit | Limited | Single private room |
| Mental Health | Limited | Included (multiple sessions) Teleconsult |
Activ One Plan is very distinguishable through a committeal digital wellness programme which is app based. You get points on lifestyle achievements such as number of steps per day, yoga, health checkups and even meditation. These aspects will be translated to premium discounts, which will ensure Activ One to be highly appealing to the millennials and fitness conscious in 2025.
Activ Classic, on the other hand, will have few wellness rewards typically as no-claim bonus or small renewal discount.
Q: Are there both health check-up plans?
Yes, but Activ One offers more regular check-ups and comprehensive check-ups compared to Classic Plan.
Did you know? Further in 2025, insurers are more and more associated with lower renewal premiums when the data is provided by wearable fitness devices.
In the event that you are a global traveller in business or your family member might be likely to get treatment abroad, the Activ One Plan provides selected international medical expense cover and emergency evacuation. In the Classic, this cannot be found.
In the case of maternity, the premium variants of Activ One will include normal or C-section delivery and newborn care as automatic cover after a small waiting period whereas Classic will just include that as an option.
Activ One provides indeed unlimited restoration of sum insured in case your cover runs out at a policy year, as compared to Activ Classic that provides one restoration in a year. This distinction is significant under the conditions of catastrophic illness, e.g. back-to-back cancer treatments or frequent hospitalisations.
Activ Classic Plan remains the less expensive, but solid health insurance to Indian families. It has a reduced premium due to less global benefits, easy wellness provisions, and limited room rental.
In the meantime, the additional benefits of Activ One Plan and its international coverage result in the fact that the premium on the same amount insured is most likely to increase by 30 percent in 2025.
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Researchers of the Expert Insight Policy suggest that digital wellness and unlimited restoration will be minimum requirements in premium health insurance in 2027.
In order to compare and plan your finances, we will take an example of a family floater in Mumbai of two adults (35 years) and one child (5 years) who do not smoke and choose [?]10 Lakh cover to plan.
| Name of the plan | Premium in 2025 (estimated) per year |
|---|---|
| Activ Classic Plan | [?]16,800 |
| Activ One Plan | [?]22,400 |
Note: These are approximations to be compared. Real premium may vary depending on personal health risk, zone and add-ons.
Q: Is it possible to port Classic to One Plan later?
Aditya Birla does permit renewal upgrades to plans generally, underwriting.
Did you know? According to the industry data, more than 60 percent of the policy buyers (under 40) in Aditya Birla in 2025 purchase the Activ One Plan in the metro areas.
Q1: Does both Aditya Birla plans have an age limit?
Activ Classic gives one the opportunity to enter up to 65 years and renew indefinitely. Activ One usually allows up to 55 some high-end models, with life renewal.
Q2: Do both plans include preventive health checks, free of charge?
Yes, frequency and range are more suited in Activ One, particularly in young adults.
Q3: Can the parents or in-laws be added in the floater plan?
It is permitted in both plans, but with more premiums charged to elderly people.
Q4: Which is the most suitable maternity and newborn cover plan?
Activ One includes these in premium variants and Classic as an add-on only.
Q5: What is the settlement ratio of claim at Aditya Birla in the year 2025?
The claim settlement ratio the insurer has is over 97 percent at the previous financial year.
To understand the specifics of the policy, support in the claim, and the most recent changes to the regulation, ensure that the Aditya Birla Health Insurance official site is verified or that one communicates with a qualified health insurance advisor.
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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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