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Last updated on: September 22, 2025
The Aditya Birla Activ Classic Plan and Activ Premier Plan are both health insurance offerings, but differ mainly in their coverage and benefits. The Activ Classic Plan is a budget-friendly option covering hospitalization, day care treatments, and wellness benefits, making it suitable for those seeking essential protection at an affordable premium. In contrast, the Activ Premier Plan provides comprehensive coverage including higher sum insured options, global treatment for critical illnesses, OPD and maternity benefits, mental health cover, and enhanced wellness rewards. It is ideal for individuals or families desiring extensive protection and additional features. While the Classic plan focuses on core needs, the Premier plan targets policyholders seeking advanced healthcare solutions and broader financial security. Your choice depends on your healthcare needs and budget.
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It is very important to select the appropriate health insurance to yourself and your family, particularly in the year 2025 as the cost of medicine is rising by a steady margin on a yearly basis. Aditya Birla Health Insurance is one of the leading health insurance companies in India that provides various types of comprehensive plans depending on the needs. They have the Activ Classic Plan and Activ Premier Plan which are their flagship products. They have their own distinct advantages, although different needs are met.
Comparing Activ Classic Plan and Activ Premier Plan is a common confusion usually found among many policyholders; they may seem similar but they have small differences that may affect your cover. This is where you will be able to make an informed decision after we will help you to comprehend the features, differences, pros, and cons of it in this detailed comparison. We shall also dictate on commonly asked questions and opinions of the experts to help you further.
Activ Classic and Activ premier are both health insurance plans that cover hospitalisation bills and medical emergency cases as well as availing wellness benefits. Essentially, both plans assist you in dealing with the uncertainty of costs of healthcare in India, but each has different benefits and coverage limit.
The Activ Classic will be placed as a family plan at affordable costs, suitable to young people, small families, or those who want to have basic but strong coverage. Activ Premier on the other hand is an advanced plan that targets individuals who are more concerned with broader cover, better wellness coverage and overall coverage such as cover of critical illnesses and high cost treatments.
The Activ Classic Plan is aimed at combining a wide range of medical coverage and low premiums. The following are the key highlights you will expect in 2025:
Insight of Experts: Based on the current customer reviews, the customers like the easy claims process, particularly the family with young children, and additional services such as the health checkups without any waiting on the higher variants.
The Activ Premier Plan is an enhanced product, created to appeal to people who require the best in terms of health protection, and have broader coverage and increased limits. Here’s what you get:
Did you know? Indians now prioritizing global and holistic protection of their wellness through premium plans that include international and maternity cover, more than 30 percent of high net worth families in India now opt to take premium plans as a matter of choice, which has changed to a global and holistic wellness.
People also ask
Q: Could I purchase Aditya Birla Activ Classic Plan on my parents that are older than 60?
A: Yes, the plan will cover to an age of 65 upon entry. Thereafter, it can be renewed lifelong provided that the premiums are paid.
Expert Analysis: On the one hand, IRDAI estimates that most urban professionals choose Activ Premier because it offers international claims and maternity, as well as newborn covers as its main distinguishing features in the premium insurance market.
| Characteristics | Activ Classic Plan | Activ Premier Plan |
|---|---|---|
| Sum Insured | 2 Lakh -15 | 10 Lakh -2 Crore |
| Entry Age | 5 - 65 Years (children 91 days) | 5 - 65 Years (children 91 days) |
| Pre Hospitalisation | 60 Days | 180 Days. |
| Post Hospitalisation | 180 Days | 360 Days. |
| Day Care Treatment | 600 + Procedures | All Procedures Encompassed. |
| Room Rent Capping | Yes (1 percent of sum insured) | No capping (except suites) |
| Health Checkup | Annually (after one year) | Annually (day one) |
| Maternity Cover | Add-on only | Included (2-year waiting) |
| Wellness Rewards (HealthReturns) | No (unlimited) | Yes (unlimited) |
| International Cover | No | Yes (in case of emergencies only) |
| Time limit of Sum Insured | 150 percent per annum | Unlimited. |
| Premium (age 30, 5 lakh SI, indiv.) | Approximately 7000 per annum | Approximately 12000 per annum |
Did you know? Today, most of the Aditya Birla policies take less than 4 hours to issue policy documents and also to grant claims, which was not the case in 2025 before companies adopted AI-based underwriting.
The decision would be based on your lifestyle, health history, budgeting and anticipations of a health policy.
People also ask
Q: Is Aditya Birla Activ Premier inclusive of bariatric surgery?
A: Yes, the plan would cover bariatric surgery where it would be medically necessary or according to the conditions of the policy.
Regardless of the policy that you adopt, the following are the common exclusions of the two:
Activ Classic and Premier are easy digital claims, which can be performed via the Aditya Birla app where policyholders can upload bills of hospitals, medical records and receive reimbursement or cashless claims typically on 2-3 working days. The renewal becomes automatic when the premiums are paid prior to expiry.
Expert Insight: More than 92 per cent of Aditya Birla Health Insurance claims in 2025 would be settled without an inquiry in case the policyholders provide e-KYC and digital documents when filing claims.
The plans are both available with various add-ons:
Some of the features such as global care in Classic or super restoration in premier, might however have to be added as optional riders, instead of being added as a normal feature.
People also ask
Q: Does Activ Classic and Premier cover AYUSH treatment?
A: AYUSH or alternative therapies are included in either, although Premier has broader sum insured and a wider network of hospitals to treat the therapies.
In the recent customer satisfaction reports 2025, value-for-money and prompt claims were mentioned by most customers of Activ Classic whereas annual health checks and luxurious hospital room cover were valued by the Premier customers. Both complainants are mainly related to slow add-on claim authorizations or the slow customer service during high seasons.
Question 1: Do I lose credits of waiting period by switching between Classic and Premier?
A1: Yes, your credit can be transferred to Premier as a waiting period should you transfer within the Aditya Birla policy family, however, ensure that their support is consulted.
Q2: Do such plans have any tax benefits?
A2: The amounts paid as premiums under the two plans are subject to a deduction as provided in Section 80D of the Income Tax Act during FY 2025-26.
Q3: Will OPD expenditures fall under these plans?
A3: The OPDs cover is added as an add-on, and this depends on the type and choice of riders on which you buy.
Q4: Covid 19 hospitalisation is covered.
A4: No, Covid 19 is considered just as any other sickness and will be covered as long as it is not a pre existing illness during the start of the policy.
Q5: What is the start of coverage of these plans purchased in 2025?
A5: Standard coverage is provided after 30 days, however, accident hospitalisation is available on day one.
Q6: Will pre-policy health checks be necessary in 2025?
A6: Health examination is possible after age 45 or higher sum insured as stipulated by the insurer.
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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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