The Aditya Birla Activ One (MAX) plan is the premium variant of the Activ One series, designed for individuals and families seeking maximum coverage, rewards, and customization. It stands out by integrating wellness and fitness directly into the policy through its famous HealthReturns™ benefit, where you can earn up to 100% of your premium back.
Core to the Activ One MAX benefits are the Super Credit Bonus (NCB), which grows your Sum Insured by 100% every year regardless of claims (up to 500%), and the optional Chronic Care add-on, which provides Day 1 cover for 7 common chronic conditions (like Diabetes and Hypertension), bypassing the standard 3-year waiting period.
Quick Overview: Aditya Birla Activ One (MAX)
| What’s Good? | What’s Not Good? |
| Super Credit (NCB): 100% increase in SI every year, up to 500% maximum, irrespective of claims. | Maternity/Infertility: Maternity, childbirth, sterility, and infertility treatments are excluded from the base policy. |
| Unlimited Super Reload: Unlimited restoration of the Sum Insured (SI) from the second claim onwards, for related and unrelated illnesses. | Consumables Coverage: While the MAX variant includes some non-medical expense coverage (Claim Protect), comprehensive coverage often requires confirming the specific list of covered items in the policy wording. |
| Day 1 Chronic Cover (Add-on): Optional add-on waives the PED waiting period for 7 listed chronic conditions (e.g., Diabetes, Asthma, CAD). | Insurer Track Record: Research indicates a relatively higher number of complaints related to claim settlement and policy servicing compared to industry leaders. |
| HealthReturns™: Earn up to 100% of your premium back by meeting fitness goals (Active Dayz). | OPD Consultations: Routine doctor consultations are generally not covered unless the Chronic Management Program (OPD) add-on is taken. |
| Room Rent: No restriction on room category (Any Room/Single Private Room) for high SI options. | High Complaint Volume: The insurer has received a higher number of complaints related to claim settlements and policy purchases. |
Pricing and Insurer Track Record
This reflects the company’s commitment to claims and policy growth.
| Detail | Aditya Birla Health Insurance Company Limited (ABHICL) |
| Founded in | 2015 |
| Claim Settlement Ratio (FY 2023-24) | ~94.42% (Settled by Number – Industry standard measurement) |
| Network Hospitals | 13,856+ |
| Claim Settlement TAT | 30 minutes guaranteed pre-authorization approval (cashless) |
Detailed Product Overview
To understand the long-term value of the Aditya Birla Activ One (MAX) plan, you must look at its built-in growth mechanism. The Super Credit Bonus is a non-claim-based loyalty reward that adds 100% of your base SI every year, allowing your coverage to potentially reach 6 times the base SI by the 6th year. This massive growth happens automatically and is irrespective of claims, making it a unique feature among Indian health plans.
The Super Reload (Restoration) Benefit provides the safety net. While the first claim reduces the SI, the cover is restored immediately and unlimited times from the second claim onwards, ensuring you are never without the base Sum Insured within the policy year.
Furthermore, the Chronic Care Add-on is essential for individuals with common lifestyle diseases, effectively eliminating the standard 3-year Pre-Existing Disease (PED) waiting period for conditions like Diabetes and Hypertension. This is a critical selling point for those looking to buy Activ One MAX policy for immediate chronic health management.
At A Glance
| Product Benefits | Limits and Exclusions (Aditya Birla Activ One MAX) |
| In-patient Hospitalization | |
| ICU Rent Limit | No limit (Covered up to Sum Insured) |
| Room Rent Limit | No Restriction (Any Room Category/Single Private Room) |
| Pre & Post Hospitalization | |
| Post-hospitalization expenses covered for | 180 Days |
| Pre-hospitalization expenses covered for | 90 Days |
| Day Care Treatment | All day care treatments covered (No 24-hour minimum) |
| Restoration (Super Reload) | Unlimited times per year, from the 2nd claim onwards (for related and unrelated illnesses). |
| Cumulative Bonus (Super Credit) | 100% increase in SI per year, max up to 500% of Base SI (up to ₹3 Crore), irrespective of claims. |
| Chronic Care (Add-on) | Day 1 coverage for 7 listed chronic conditions (e.g., Diabetes, Hypertension, Asthma) by waiving PED waiting period. |
| HealthReturns™ | Earn back up to 100% of the premium for achieving health goals. |
| Non-Medical Expenses | Claim Protect is often built-in, covering listed non-payable items (Annexure I List I, II, III, and IV). |
| Mental Illness/HIV/AIDS | Covered up to the Sum Insured. |
Frequently Asked Questions
1. What is the Super Credit Bonus, and how does it compare to standard NCB?
The Super Credit Bonus is the plan’s No Claim Bonus. It is superior to standard NCB because it increases the Sum Insured by 100% every year (up to 500% max) irrespective of whether you make a claim or not. Standard NCB is only applicable if you have a claim-free year.
2. How does the Day 1 Chronic Care cover work?
The optional Chronic Care add-on is a game-changer. By opting for this, the 3-year Pre-Existing Disease (PED) waiting period is waived for 7 listed chronic conditions (like Diabetes and Hypertension), allowing you to claim hospitalization costs for these diseases from Day 1 of the policy.
3. Is the Super Reload benefit truly unlimited?
Yes, the Super Reload (Restoration) benefit is truly unlimited times in a policy year, subject to the base Sum Insured being exhausted first. However, the first claim does not trigger the reload; it starts from the second claim onwards for both related and unrelated illnesses.
4. How can I earn HealthReturns™ and what can I use them for?
You earn HealthReturns™ by meeting pre-defined Active Dayz (e.g., 10,000 steps or 300 calories burned) tracked through the Activ Health App. You can earn up to 100% of your premium, which can be used to pay your renewal premium, purchase medicines/diagnostics, or pay for deductibles.
5. Does the Activ One MAX plan cover consumables (non-medical expenses)?
Yes. The Activ One MAX plan often includes Claim Protect as a built-in feature, which covers non-payable consumables like gloves, masks, and syringes, helping ensure 100% of your hospital bill (up to SI) is covered. Always check your specific policy wording.
6. What is the room rent restriction in the Activ One MAX plan?
There is no restriction on the type of hospital room you can choose (Any Room/Single Private Room), which is a significant benefit, as it eliminates proportionate deduction of the entire hospital bill often imposed by policies with room rent caps.
7. Is maternity coverage included in the Activ One MAX policy?
No, the Aditya Birla Activ One (MAX) plan excludes coverage for maternity and related expenses (childbirth, sterility, and infertility).
8. Can I buy Aditya Birla Activ One MAX online, and is there an upper entry age limit?
Yes, you can easily buy Aditya Birla Activ One (MAX) policy online. There is no maximum entry age for adults, and the policy offers lifelong renewability.
9. Can I reduce the standard 3-year PED waiting period for all diseases?
Yes, beyond the Day 1 Chronic Care add-on, the plan offers an optional Reduction in Pre-Existing Disease Waiting Period add-on, which can reduce the general 3-year PED waiting period to 2 years or even 1 year for all illnesses, subject to underwriting.
10. Does the policy cover Bariatric Surgery and Mental Illness?
Yes, the Activ One MAX plan is comprehensive and covers medically necessary expenses related to Bariatric Surgery (for weight loss) and Mental Illness hospitalization up to the full Sum Insured.
Important Disclaimer & Disclosure
Please Read Before Proceeding: The information provided in this blog post about Aditya Birla Activ One (MAX) is for informational and educational purposes only. This content is based on our interpretation of policy brochures and market research as of November 2025.
- Not Financial Advice: This is not insurance or financial advice. Always consult with a certified financial advisor or insurance expert before making any purchase decisions.
- Policy Wording is Final: Features, limits, premium rates, exclusions, and guaranteed returns are subject to change. The final, legally binding terms and conditions are those stated in the official Policy Wording document issued by the insurer. Please review this document thoroughly before committing to a plan.
- Tax Disclaimer: Tax benefits are subject to changes in the Income Tax Act, 1961. Consult a qualified tax professional to confirm current tax implications for your specific financial situation.
