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Last updated on: September 22, 2025
The Aditya Birla Activ Classic Plan and the Aditya Birla Activ One Maternity Plan cater to different health insurance needs. The Activ Classic Plan is a comprehensive health insurance policy offering coverage for hospitalization, pre- and post-hospitalization, day care procedures, domiciliary treatment, and wellness benefits, suitable for individuals and families seeking all-round protection. In contrast, the Activ One Maternity Plan is tailored specifically for women planning a family, providing maternity coverage that includes delivery expenses, newborn care, and related medical costs, alongside basic health benefits. While the Classic Plan is broader in scope and ideal for general health insurance, the Maternity Plan targets women seeking specialized support for maternity expenses. Choosing between these plans depends on whether you need holistic health coverage (Activ Classic) or focused maternity-related benefits (Activ One Maternity).
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Aditya Birla Health insurance has evolved into a brand that is well trusted by various health plans with benefits depending on individual requirements, family, and women needs. Among such different choices as Aditya Birla Activ Classic and the very upgraded Activ One Maternity, many clients tend to question which insurance will be more appropriate in 2025. This comparison unravels the features of the health insurance plans, benefits, and limitations to make the right choice.
Health insurance is not just a tax-saving plan but it provides financial stability in time of emergencies in relation to health issues. Aditya Birla Activ Classic Plan is a multifaceted policy which can meet the all round health requirements, efficient and helpful to people and families who want to get acquainted with the general health coverage. Conversely, Aditya Birla Activ one maternity plan is focused on the modern couples and pregnant women, which offers maternity related coverage, newborn baby care as well as women related benefits.
The two plans are flexible, affordable in terms of premium, but their coverage, waiting periods, and other special provisions vary greatly and it is important to select them based on your future plans especially when you are planning to have a baby within the next few years.
We shall now briefly contrast the chief points:
Activ Classic offers less premiums when the sum insured is higher but the Activ One Maternity Plan is worth its higher cost by directly incurring maternity, complications and other OPD services.
Did you know? Through survey findings the IRDAI survey in 2024 revealed that more urban young couples are buying maternity-specific plans more than ever before, and this is a change in insurance requirements by the nuclear families.
Activ Classic Plan is designed to meet mediocre medical requirements such as hospitalisation, accidents, critical illness, pre and post-hospitalization, and chronic disease control. It is adaptable to any age bracket and family size and even alternative treatments (AYUSH). Nevertheless, rudimentary maternity benefits that have long waiting periods (usually 4 to 6 years) are offered, not including pre-natal and newborn health conditions on a large scale.
Activ One Maternity Plan on the other hand is woman engineered and Mother Care. It includes:
Expert Insight - Health insurance experts suggest that in case maternity or family expansion is high priority in 2025, then one should consider a specially designed maternity plan such as Activ One which would cover the increasing medical inflation and the contemporary maternity expenses.
Both plans have some conditions that are not taken into consideration and this is the reason to take care before reading policy documents.
People also ask -
Q. Is it possible to buy both plans in order to be better covered?
A. You may, however, not get a doubling of benefits as a result of overlaps. One should prefer a choice of one according to what you need most.
| Feature | Activ Classic | Activ One Maternity |
|---|---|---|
| Sum Insured (2025) | 2 L - 1 Cr | 5 L - 50 L |
| Maternity Coverage | Minimal, long waiting period | Extensive, short wait |
| Newborn Baby Cover | Very basic | First year of age, congenital |
| Outpatient (OPD) Services | Limited outpatient (OPD), nutrition | Yes |
| Waiting Period (maternity) | 4-6 yrs | 9-24 months |
| Family Floater Option | No | Yes |
| Wellness Benefits | HealthReturns, Fitness | Maternal health support |
| Hospitalization | Yes, any age group | Yes, maternal specialty |
| Premium (2025 projection) | Lower | Higher (maternity add-on) |
Did you know? Even basic delivery is already at 1.5 lakh in major cities of India, which implies the necessity of specialized maternity insurance.
Q. What will I do when I get pregnant a few months after purchasing Activ One Maternity Plan?
A. The waiting period in the plan takes place before claims covered by maternity are covered and therefore it is advisable to purchase at an early age.
Although some premiums vary with age, location, amount of sum insured and the size of floater, the following is a hypothetical example of a 30-year-old woman:
Activ Classic is budget friendly to a family floater in case maternity is not required. However, when it comes to the couple planning to have a baby, Activ One Maternity eliminates the out-of-pocket hospital bill when the need occurs.
Did you know? In 2025, a majority of the group insurance cover among Indian corporates will not cover maternity or will contain a sub-limit hence a personal specialized insurance will be a wise choice.
The two plans allow you to add family, take up a higher amount of sum insured, upgrade room rent, and take optional covers (personal accident rider, critical illness cover).
Both offer reinstatement, life-long renewal and digital wellness management.
Q. What is the most appropriate plan of a young married couple with no children yet?
A. Activ One Maternity Plan, in case you have a child within 2 years. Otherwise, Activ Classic can be used in all-round requirements.
Aditya Birla provides strong digitalized claims, 24x 7 mobile application and network of 10000 plus hospitals across India. Both plans have cashless hospitalization. The hospital notification must be made before the maternity plans and the Activ Classic has a simple procedure regarding the normal emergencies.
Claim settlement ratio is good according to 2024 IRDAI annual report.
Both policies include digital health records, pregnancy checkup notifications, and fitness tracking, which improve the user experience.
Expert Insight - Insurers have discovered that those customers who apply digital wellness tools receive 30 percent more claim approvals and improved continuity benefits.
Q. Is it possible to change between Activ Classic and Activ One Maternity?
A. You can request a new plan but waiting times will be cancelled, hence it is better to do so sooner.
Q. Is IVF and fertility covered by the maternity insurance?
A. Activ One Maternity will include infertility treatment and egg freezing in select plans. Check sub-limits.
Q. Does it cover pre and post-natal cost?
A. Activ One Maternity is the only one which covers both, OPD visits and follow up care.
Q. Does it have OPD and routine check up in both?
A. These are a standard offered by Activ One Maternity. Activ Classic can be offered on selected plans as an add-on.
Q. Infant care and birth conditions - what is superior?
A. Activ One Maternity is the only one that covers the new born and congenital defects comprehensively.
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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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