Aditya Birla Activ One Maternity Plan Review

Quick Overview

Aditya Birla Activ One Maternity Plan is an aggregator-only combo. It is structured as a ₹15 lakh base health plan (Activ One NXT) plus a maternity rider and a super top-up (₹85 lakh cover) to reach up to ₹1 crore cover. The maternity benefit has a one-time, ₹50,000 fixed limit after a 3-month waiting period. It is also available for women early in their pregnancy. The big catch is cost: you typically pay 3 years upfront, which exceeds the maternity payout. Consider it only if you already want the base plus super top-up for long-term health cover.

Most people start searching for maternity cover only after they are already expecting. By then, the timelines are tight, and a lot of plans make you wait longer than you would like.

The bigger problem is that maternity care is getting expensive, fast, especially in private hospitals. Even a normal delivery in a private hospital can cost around ₹15,000 to ₹25,000, while a C-section can range from ₹25,000 to ₹2,00,000 in big cities. With medical inflation rising, what you budget today can feel outdated by the time you actually need the care.

That is why a few aggregator-only options get attention, like the Aditya Birla Activ One Maternity Plan. Think of it as a combo plan with a maternity-focused setup you can access through select platforms.

In this article, we will walk you through the key features, drawbacks, premiums, and a practical view of Aditya Birla as an insurer, so you can decide confidently.

Aditya Birla Activ One Maternity Plan Features

Before we get into features, here’s what the Aditya Birla Activ One Maternity Plan is really trying to do. Think of it like a 3-layer setup that shows as one “maternity-focused” package:

Base Health Policy

Activ One NXT, shown as ₹15 lakh cover.
This is your main hospitalization plan that pays hospital bills first.

Maternity Add-on

Health Booster Maternity Cover Rider.
This is a fixed maternity benefit that you add on top of a base policy. It is designed such that even already-pregnant buyers can be eligible after the waiting period.

Super Top-up Layer

Super Health Plus Top-up.
₹85 lakh top-up with a ₹15 lakh deductible, which is how the combo reaches the ₹1 crore total cover.

Key Features of Aditya Birla Activone Maternity Plan

Features	Details
Eligibility	Available for pregnant women in their 1st or 2nd trimester
Maternity	3 months waiting period, ₹50,000 fixed benefit
Extra Pregnancy Support Services	Support like obstetrician-gynecologist or a dietician tele-consults, prenatal yoga sessions, webinars, trackers, and access to content libraries
Core Base Plan	No co-pay, no room rent limit, no disease-wise sub-limits, unlimited restoration, 90 days pre- and 180 days post-hospitalization coverage
Optional Covers	Consumables, Health Check-up, Loyalty Bonus

Note: The add-on maternity cover ceases to exist after maternity claim, or can even be removed during renewals.

Drawbacks of Aditya Birla Activ One Maternity Plan

Three-year Commitment

This setup is only available if you pay the premiums for 3 years collectively upfront. Such a big one-time payment can increase your healthcare costs.

No Newborn Cover

The plan does not include any newborn baby cover. You can only add the baby once it’s at least 91 days old on payment of additional premium.

One-time Benefit

The maternity benefit can be used only once in the policy lifetime, so it is not designed for multiple pregnancies.

Strict Purchase Rules

The maternity plan is available at inception and only if both husband and wife are insured, so you cannot add it later or buy it for one partner alone.

CTA

Premium for Aditya Birla Activ One Maternity Plan

Profile	Premiums (3 Year Total)	Premiums Per Year
Family Floater, 2A: Ages (24, 25)	₹65,437	₹21,812
(Family Floater, 2A): Ages (31, 32)	₹66,264	₹22,088
(Family Floater, 2A): Ages (40, 41)	₹86,159	₹28720

Note: These are indicative premiums for Delhi residents, pincode - 110001, for a ₹1 Crore sum insured. Your premium may vary based on age, city, medical history, plan variant, and the payment frequency you choose.

Is Maternity Benefit Worth It?

If you are buying the Aditya Birla Activ One Maternity Plan mainly for maternity, it is not worth it.

Cost is More Than Benefit

The maternity payout is capped at ₹50,000 (one-time), but you are committing to a 3-year upfront premium that is typically higher. So even a full claim does not fully “recover” what you paid for maternity.

Fixed Maternity Cap

Private-hospital delivery costs can easily go above ₹50,000, so this benefit often ends up being a partial subsidy, not full coverage.

Not a Flexible Benefit

If your timing does not line up with the plan rules, you still end up paying the 3-year premium but may not see value from the maternity bucket.

So, treat it like this - the Aditya Birla Activ One Maternity Plan makes sense only if you already want the base plan + super top-up for long-term health cover, and maternity is just an extra one-time perk.

Aditya Birla Health Insurance: Performance Metrics

Metric	FY 22-25	Industry Average
Claim Settlement Ratio (CSR)	95.81%	91.22%
Incurred Claims Ratio (ICR)	68.16%	81.88%
Complaints per 10,000 Claims	18.67	27.06
Annual Business Volume (in crores) - Total Health	₹3,290	₹3,969
Network Hospitals	12,000+	10,000+ (Recommended)

Note: The above data has been sourced from the insurer’s public disclosures and IRDAI annual reports.

Insights on Operational Metrics

Aditya Birla Health Insurance has kept its CSR above 95% on average in recent years, which is a reassuring signal for day-to-day claim reliability. A 68.16% ICR also looks healthy, suggesting the insurer is paying claims while still staying financially stable. Complaint volumes are within typical industry benchmarks, and the steady rise in gross written premium points to growing customer adoption and trust.

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Ditto’s Take on Aditya Birla Maternity Insurance

If you are considering the Aditya Birla Activ One maternity plan mainly to “cover delivery,” we would recommend skipping it. The maternity payout is capped and usable only once, but the setup pushes you into a longer commitment, so the math often does not work out for maternity-only buying.

When it Can Make Sense

You already wanted the base health cover plus super top-up for long-term hospital protection, and maternity as a one-time add-on benefit.
You are confident you will meet the eligibility rules and claim maternity expenses soon.

The safest approach we recommend for most couples is to start with a strong base health plan even if maternity did not exist. Then, treat maternity as an add-on decision and run a quick cost-versus-benefit check based on the waiting period and the sub-limits. If you want a broader, beginner-friendly comparison of maternity routes (employer cover vs retail add-ons, common traps, what to check), use this guide: Maternity Health Insurance in India.

Disclaimer

Aditya Birla Health Insurance is a partner insurer of Ditto. This specific Activ One Maternity Plan combo is currently not available via Ditto and may be offered only via select aggregators. Please verify eligibility rules, tenure requirements, and do a quick cost vs benefit check before opting. Learn more about how we evaluate health insurers and plans through Ditto’s Cut.

Frequently Asked Questions

Will the maternity benefit pay for both normal delivery and C-section?

Some maternity plans set different limits for normal delivery and C-section. But in this plan, it is a fixed ₹50,000 benefit, so that pays the same amount regardless of delivery type.

Does it cover pregnancy complications and hospitalization during pregnancy?

In this setup, maternity-related complications are treated under the maternity benefit bucket, so they are covered only up to the ₹50,000 cap. Do not assume they will be paid separately under the base plan’s normal hospitalization benefits.

If I already have employer maternity cover, does this still add value?

Often, no. If your employer already covers maternity well, paying for a 3-year combo just for an extra payout can be inefficient. It only helps if your employer cover is weak, capped low, or you want a separate backup plan.

Can I port this plan later or switch insurers after using the maternity benefit?

You can port the base health policy, but riders do not always carry over with the same benefits. So, assume that the maternity rider continuity is not guaranteed and verify portability terms before buying.

What if it’s twins or a multiple birth?

Fixed benefits typically pay once per eligible event, not per baby. If the plan is “one-time” and “₹50,000 fixed,” do not assume it doubles for twins.

Last updated on: 22 Feb, 2026