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Last updated on: September 22, 2025
The Aditya Birla Activ Classic Plan and Bajaj Allianz My Health Care Plan both offer comprehensive health insurance, but differ in features and benefits. The Activ Classic Plan is known for rewarding healthy habits through HealthReturns™ and offers value-added services like wellness coaching, along with coverage for in-patient, day care, and AYUSH treatments. Bajaj Allianz My Health Care Plan, on the other hand, stands out for its customizable add-ons, wider hospital network, and benefits like coverage of maternity, newborn, and OPD expenses. While Aditya Birla’s plan suits those who want incentives for healthy living and preventive care, Bajaj Allianz appeals to those seeking flexible, personalized coverage with broader family health needs. Comparing premiums, claim settlement ratios, and unique add-ons can help you select the plan best tailored to your individual or family health priorities.
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One of the most essential investments that the Indian families will have in 2025 is health insurance. Increasing medical expenses, and uncertain diseases, the correct health cover is what will sustain you out of financial pressure. The Aditya Birla Activ Classic Plan and Bajaj Allianz My Health Care Plan are some of the popular health insurance plans in India with numerous benefits and features that have attracted so much attention.
We shall divide these two plans to see what each of them has to offer and which one might be more beneficial to your family.
The two are both comprehensive health insurance policies in India. Aditya Birla Activ Classic Plan will be the best plan to be used by persons and families who need to be assured of safeguarding against excessive medical payments whereas another powerful plan with distinctive features is Bajaj Allianz My Health Care Plan. The primary distinction is benefits, prices, flexibility and optional covers.
There is too much health insurance market in 2025 and the best one is hard to select. The side by side comparison of Aditya Birla Activ Classic Plan and the Bajaj Allianz My Health Care Plan assists in checking:
Aditya Birla Activ Classic Plan is a broad-based coverage to Indian policyholders. Some highlights are:
This strategy boasts of creative services and adaptability. These significant aspects are:
| Characteristic | Aditya Birla Activ Classic Plan | Bajaj Allianz My Health Care Plan |
|---|---|---|
| Sum insured range | 2 lakh to 1 crore | 2 lakh to 2 crore |
| Cashless Hospitals (2025) | 5860+ | 7850+ |
| Annual Health Check-Up | Yes, all insured | Yes, as wellness benefit |
| No Claim Bonus | Less than 50 percent | Less than 100 percent |
| Critical illness Rider | Available | Yes, as add-on |
| Room Rent Limit | Until sum insured | No limit |
| Maternity Cover | Optional | Covered to a certain amount of insured |
| Chronic Disease Care | Management program | Covered on specified conditions |
| AYUSH Cover | Yes | Yes |
| OPD Cover | No | Add-on available |
Pros
Cons
Pros
Cons
The plan is ideal to small to medium families, couples, and individuals interested in hassle-free health cover at a low cost. Its pre configured design is an advantage to working professionals who need premium yet basic coverage.
It best suits larger families or individuals with various medical requirements such as infertility or mental health care. Its size will be valued by any person who lives in small cities or towns and requires a cashless network in their vicinity. This plan can also be chosen by tech-minded users who want to receive the digital claim or other sophisticated wellness devices.
Expert Opinion: According to Dr. Vivek Menon, Insurance Analyst, in 2025, Bajaj Allianz My Health Care Plan will offer higher sum insured and OPD cover which is desired by more urban families. To be covered by absolutely basic protection Aditya Birla remains valuable nevertheless including people with certain chronic conditions.
Both firms have enhanced digitalisation of claims. Bajaj Allianz possesses a larger network of hospitals, which pays the cash faster, whereas Aditya Birla is known to have proactive customer service with respect to complicated claims.
Some features stand out in 2025:
Did you know? In 2025, Bajaj Allianz became the first to offer medical consultation on apps to support claims and track wellness.
Aditya Birla Activ Classic Plan
Bajaj Allianz My Health Care Plan
Aditya Birla Activ Classic Plan permits rent of rooms to the insured sum, thus it is easy to compute the amount claimed. At Bajaj Allianz My Health Care no room rent capping, regardless of the amount of sum insured, to allow you to adopt deluxe or private rooms without deduction.
Maternity benefits Aditya Birla benefits are paid add-ons and are mainly offered on higher sum insured. Maternity is part of some variants in Bajaj Allianz, and has waiting periods up to 3 years.
Expert Insight: Insurance agents advise young couples or newly married persons to ensure that they use a plan that has inbuilt maternity and newborn cover to ensure maximum value is realised over a long period.
Both plans enable people above 18 years to buy coverage with family floater options available to those who have dependents or children.
Aditya Birla claims to provide special chronic care plan to the ones who were diagnosed within the policy period. Bajaj Allianz has OPD cover as an addition and this is quite useful when there is a routine visit to the outpatient, medicine and also consultation - a major requirement of elderly citizens and working people.
The two plans are aimed at preventive healthcare in 2025. Aditya Birla offers health check-up of all the insured lives whether there is a history of claim or not in a yearly basis. The wellness reward scheme adopted by Bajaj Allianz is more comprehensive and includes the use of a fitness tracker and the offer of discounts on healthy lifestyles, online doctor visits, and family gym memberships.
The two policies do not cover cosmetic surgery, self-inflicted injury, non-allopathic treatment (except AYUSH) and terminal illnesses already present at the point of purchase. The detailed brochure or schedule of each policy will include temporary exclusions that will take place during the waiting period.
Did you know? Starting March 2025, IRDAI has requested all insurers to standardise waiting period of elderly purchasers to two years on most major diseases.
Bajaj Allianz is usually 10-15 percent pricier than Aditya Birla in the same amount of sum insured and add-ons, though this varies based on features selected and city of purchase.
As it is stated in IRDAI published data:
Both firms possess high settlement records, though Bajaj Allianz slightly wins with regards to settlement speed.
Select Aditya Birla Activ Classic Plan in case:
Select Bajaj Allianz My Health Care Plan where:
Before deciding, read the policy text, cross off exclusions, and count premiums based on the amount of insured that you have chosen and your riders. The comparison of health insurance in 2025 is a choice of peace of mind and the best medical care of you and your family.
One will just have to carry Aadhaar or PAN card, age documentation, and certain recent medical examinations (above 45 years or disclosure of pre-existing conditions). Both plans can now be done online.
Yes, the plans offer cover to COVID and other new viral infections which follows the IRDAI guidelines in 2025 with no sub-limits in standard policies.
Yes, porting of the health insurance can be done after one year of continuous coverage. Waiting periods and history of claims will be transferred as shown by the IRDAI regulations of portability of health policies.
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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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