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Last updated on: September 22, 2025
The Aditya Birla Activ Classic Plan and Bajaj Allianz Health Guard Family Floater Gold Plan are both popular health insurance options in India, but they cater to slightly different needs. The Activ Classic Plan offers unique wellness benefits, a chronic management program, no room rent cap, and annual health check-ups, appealing to those seeking preventive care and flexibility. In contrast, the Health Guard Family Floater Gold Plan stands out for its higher sum insured options, maternity and newborn coverage, and comprehensive hospitalization benefits, making it a strong choice for families wanting extensive protection and long-term coverage. Premiums and add-ons may vary, so choosing between the two depends on your family’s health priorities, budget, and desired features—Activ Classic for wellness and ongoing care, and Health Guard Gold for broader protection and maternity benefits.
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In 2025, choosing the most suitable health insurance in India is not an easy task. As the cost of medical care increases, and the incidence of lifestyle diseases is diverse, Indian families are interested in such plans as the Aditya Birla Activ Classic Plan and Bajaj Allianz Health Guard Family Floater Gold Plan. The two policies have broad protection to families, although they vary in structure, coverage, and additional benefits.
It is no longer about meeting the hospital bills with the help of health insurance. The current best health plans include lifestyle illnesses, OPD covers, and wellness incentives. The two most popular ones - Aditya Birla Activ Classic Plan and Bajaj Allianz Health Guard Gold, both serve the family health requirements but differ in some aspects. This article is a comparison between coverage, benefits, claim processes, waiting periods and actual user concerns with an aim of undertaking an informed choice in 2025.
Did you know? According to experts, the figure of Indian families going to add wellness and alternative medicine covers to their plans is increasing in 2025 with preventive health practices and the increasing level of chronic illnesses.
Pros
Cons
Pros
Cons
Expert Advice: In 2025, health specialists propose increasing sum insured and inclusion of modern treatment in the policies to metros, whereas value purchasers are still content with basic classic schemes in small cities.
Aditya Birla Activ Classic
Bajaj Allianz Health Guard Gold
People also ask:
Q: What is the shortest waiting time on pre-existing conditions plans?
A: They are like each other in terms of pre-existing disease waiting period but Bajaj Allianz has more covers such as maternity beyond the period.
Hospital Network
Claim Process
Tip: In 2025, the list of network hospitals can change, and it is the reason to always check the latest versions.
| Characteristic | Aditya Birla Activ Classic | Bajaj Allianz Health Guard Gold |
|---|---|---|
| Sum Insured (in Rs) | 2 lakh - 5 lakh | 1.5 lakh - 50 lakh |
| Family Floater Members | 2-6 (depending on version) | Up to 6 |
| Pre-hospitalisation | 30 days | 60 days |
| Post-hospitalisation | 60 days | 90 days |
| AYUSH Cover | Yes | Yes |
| Maternity / Newborn Cover | No | Yes (after 6 yrs) |
| Modern Treatment (Robotics, etc) | Limited | Yes |
| No Claim Bonus | 10 percent per annum (to 50 percent) | 10 percent per annum (to 100 percent) |
| Health Checkup | Every year in adults | Once within 4 claim-free years |
| Premium (2A +1C, 5 lakh cover, Delhi, age 35) | 9,250 Rs approx/annum | 16,400 Rs approx/annum |
Did you know? According to surveys, 74 percent of Indian policyholders now utilize digital claim apps or portals to settle health insurance claims faster in 2025.
Bajaj Allianz Health Guard Family Floater Gold is more appropriate to families having younger children or older individuals, a large amount of money insured, and in need of a wide range of coverage, which includes maternity, baby and spousal insurance. Conversely, Aditya Birla Activ Classic Plan is suitable to nuclear families, couples or first-time purchasers requiring a reasonable cost health cover with typical benefits.
People also ask:
Q: What is the less expensive plan to a small family?
A: Aditya Birla Activ Classic Plan has a lower premium in general, when it comes to smaller families who are interested in basic cover.
Aditya Birla Activ Classic
Bajaj Allianz Health Guard Gold
Expert View: Digital health and wellness platforms are becoming increasingly common in 2025, and their types change according to the provider.
In case of a family having one child with the age of 32-38 in metro cities:
Depending on the age, cover, location, and additional rider, it is possible to increase premiums. Never finalize on actual premium quotes without all the riders.
Did you know? By 2025, families that have members older than 45 years will have twice the amount of premiums as younger buyers in both plans.
Aditya Birla
Bajaj Allianz
The two plans allow you to customise the coverage, and Bajaj Allianz has additional riders in terms of family health needs.
It is advisable to read the specific policy wordings to exclude accurate ones.
People also ask:
Q: Does dental and vision cover come through these plans?
A: Routine dental and vision costs are not included except when it is as a result of an accident or as a special optional provision.
It is important to select a policy always when you have knowledge of the family health requirements, budget and medical background. Compare actual premium rates, investigate the hospital network in your city and compare value added services in 2025.
Q: What are the best health insurance plans with maternity coverage by families in India in 2025?
A: Bajaj Allianz Health Guard Family Floater Gold is superior since it covers a maternity and a newborn after the waiting period.
Q: Would I be able to purchase these health plans on the internet in 2025?
A: Yes, Aditya Birla and Bajaj Allianz have easy online buying and renewing, as well as digital policy documentation.
Q: Who has more claim support through digital?
A: Dedicated claim managers and Claim by Direct Click of Bajaj Allianz allow faster settlement of claims, particularly in big cities.
Q: Does it cover yearly health check-ups of all members of the family?
A: Aditya Birla with health check up annually of adult insureds, Bajaj Allianz after 4 years of claim free.
Q: What is the significance of the hospital network in selection of health insurance policy?
A: Very important. It is always important to enquire whether your favorite hospitals in your city or town are included in the network of the insurers to receive the cashless treatment.
Q: Which of these two plans shall I select?
A: Make the choice according to your sum insured requirement, family size, preference of the benefits, budget on the premium, the city you lead in, and necessity of the add ons.
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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