Overview
Aditya Birla's Activ One MAX+ plan builds on the features of the MAX base plan, offering enhanced benefits like Durable Equipment Cover for medically required devices and expanded annual health check-ups. While retaining core features like "HealthReturns™" for rewarding fitness and unlimited sum insured reloads, MAX+ introduces additional perks tailored for specialized healthcare needs. With coverage options up to ₹2 crores, it is ideal for individuals seeking advanced protection and flexibility beyond the standard offerings of the MAX plan.
Experts Review
Written by Nikhil Nair
Senior Writer
The Activ One MAX+ plan elevates the offerings of the MAX base plan by incorporating additional features that cater to specific healthcare requirements. A standout addition is the Durable Equipment Cover, which provides financial support for essential medical equipment like ventilators and prosthetic devices, up to ₹5 lakhs. This inclusion makes MAX+ particularly beneficial for individuals requiring long-term medical aids.
Another enhancement is the expanded annual health check-up quota, which covers a broader range of diagnostic tests, including computed tomography angiography (CTA) and positron emission tomography (PET) scans, compared to the MAX plan. These upgrades complement existing features like "HealthReturns™," which rewards healthy living with up to 100% premium discounts, and unlimited reloads of the sum insured, ensuring uninterrupted coverage during multiple claims.
However, these added benefits come at a higher premium, which may not justify the cost for policyholders who do not need durable equipment coverage or expanded check-ups. The MAX base plan remains a more cost-effective option for those seeking comprehensive yet affordable coverage. Additionally, waiting periods for pre-existing conditions and maternity benefits remain unchanged between variants.
Pros
Offers a wide range of features.
Insurer has a solid track record with great claim and service metrics.
Cons
Maternity benefits not offered, which is a notable gap.
Doctor consultations are not covered, which could be a drawback for some. Need to opt add-on for doctor consultations.
Aditya Birla
Key Insights
Founded
2016
Aditya Birla was established 9 years ago, making it a relatively new entrant with a developing track record.
Claims Experience
95% claims settled in 30 Days
Aditya Birla settles 95% of all claims it receives demonstrating strong credibility.
Network Hospitals
12,000+
Aditya Birla has a strong network with over 12,000 hospitals, ensuring wide accessibility and convenience for policyholders.
Complaints
22 complaints per 10,000 claims registered
Aditya Birla experiences a moderate number of complaints, indicating room for improvement in addressing customer concerns.
Features
All
Great
Good
Co-payment
The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny. Meaning this policy has no co-payment.
Room Rent
Shared room, single room, deluxe room or any room that’s available. The insurer won’t nitpick on your choice of room since the policy has no restrictions on room rent.
Customisable
Change Any room to Single Private room or Shared Accommodation.
Disease sub-limit
No funny business here. If your insurer hasn’t explicitly stated they won’t cover a certain illness, you can claim the full amount up to the sum insured, irrespective of the disease you’re dealing with. Meaning this policy doesn't impose the dreaded disease wise sub-limits.
Pre existing diseases waiting
If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after you wait for 3 years.
Customisable
For Asthma, Hypertension, Cholesterol, Diabetes mellitus, Chronic Obstructive Pulmonary Disease (COPD), Obesity or Coronary Artery Disease (PTCA done prior to 1 yr): Pre existing disease waiting period is reduced from 3 years to 0 days.
Pre/Post hospitalization
No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount in full for a pretty reasonable duration - 90 days before you are hospitalized and 180 days after discharge. This includes the cost of medication by the way.
Add-ons
Chronic Care
Recommended
For Asthma, Hypertension, Cholesterol, Diabetes mellitus, Chronic Obstructive Pulmonary Disease (COPD), Obesity or Coronary Artery Disease (PTCA done prior to 1 yr): Pre existing disease waiting period is reduced from 3 years to 0 days.
Chronic Care Management Program (OPD)
Get coverage for defined e-consultation sessions and pathology tests for listed conditions already diagnosed as PEDs.
Critical Illness
Paid out as a lump sum amount for Critical illnesses between Rs. 10 lakhs to Rs. 50 lakhs based on the cover chosen.
Personal Accident Cover
Paid out as a lump sum amount for Accidental Death, Total Permanent Disability, Permanent Partial Disability between Rs. 10 lakhs to Rs. 50 lakhs based on the cover chosen.
Compassionate Visit
Lump sum of Rs. 50,000 for a policy year, covering 1 family member, if hospitalization exceeds 10 days
Room Rent Modifier
Change Any room to Single Private room or Shared Accommodation.
Per Claim Deductible
Choose deductible between ₹15,000 and ₹25,000 and get a discount on premiums.
Tele-OPD Consultation
Each insured member can get unlimited e-consultations from General Physicians.
Cancer Booster
Get additional coverage up to 100% of Sum Insured for medical expenses linked to Cancer of Specified Severity.
Second Medical Opinion
Get second medical opinion for listed 27 major illnesses from doctors & experts from the network facilities.
Annual Screening Package for Cancer diagnosed Patients
Get pay out for medical expenses done on annual screening package for people diagnosed with Cancer, provided the conditions required are met up to defined limits on a reimburesement basis.
Vaccine Cover
Get coverage against vaccination for diseases declared as pandemic or epidemic up to specified limits per insured person.
Permanent Exclusions
Conditions or treatments that the policy clearly says it will not cover.
Treatment involving Rotational Field Quantum Magnetic Resonance (RFQMR), External Counter Pulsation (ECP), Enhanced External Counter Pulsation (EECP), Hyperbaric Oxygen Therapy, KTP Laser Surgeries, Cyber Knife Treatment, Femto Laser Surgeries, Bioabsorbable Stents, Bioabsorbable Valves, Bioabsorbable Implants. Use of Radio Frequency (RF) probe for ablation.
Expenses related to any admission primarily for diagnostics and evaluation purposes are excluded.
Diagnostic expenses not related or incidental to current diagnosis and treatment are excluded.
Expenses for admission primarily for bed rest and not for treatment are excluded.
Custodial care at home or in a facility for help with daily activities is excluded.
Disclaimer: For illustration purposes only - exact terms are in the policy wording.
Specific Illness
The following illnesses are not covered under the policy for 2 years.
Cataract
Glaucoma
Refractive Error Correction
Sinusitis
Rhinitis
Waiting Period
30 days Initial waiting period
2 years Specific illness waiting period
3 years Pre-existing disease waiting periodCustomisable
Ditto's Take
◦ Excellent ◦
Waiting periods on this policy are excellent. This policy also further allows to reduce the PED waiting period to 0 days for certain diseases.
What's missing in the policy
Maternity benefits not offered.
Doctor consultations are not covered. Need to opt add-on for doctor consultations.
Customer Reviews
P
Priya S.
The Durable Equipment Cover is a lifesaver! My father needed a ventilator, and this plan covered it. So grateful.
R
Rohan M.
HealthReturns™ giving up to 100% premium back is just amazing! Staying fit actually pays.
A
Ayesha K.
Unlimited reloads of sum insured gives great peace of mind. No tension about coverage running out.
K
Karan V.
If you don't need durable equipment or those very specific expanded check-ups, the extra cost might not feel justified.
A
Arjun G.
The premium is definitely on the higher side compared to the base MAX plan. Only worth it if you *really* need the extra perks.
V
Vikram J.
The plan is definitely an upgrade. Specialized benefits for specific needs are well thought out.
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Frequently Asked Questions
Does Activ One MAX+ have waiting periods?
- 30-Day Waiting Period: Hospitalizations won’t be covered for the first 30 days of the policy unless it’s an accident.
- Specific Illness Waiting Period: There’s a 2-year waiting period for a list of diseases which is a mandate before you can start claiming.
- Pre-Existing Disease Waiting Period: There's a 3-year waiting period for any pre-existing disease you may have while buying the policy.
Does Activ One MAX+ have room rent restrictions?
Does Activ One MAX+ offer a restoration benefit?
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