Aditya Birla Activ One Max Policy And Plan
Aditya Birla Health Insurance
Highlighted Features
Room Rent (Normal & ICU)
This policy includes room rent coverage, offering a single private room for normal hospitalization and no cap on ICU stays.
Advanced Treatments
Coverage includes advanced treatments such as coronary angiography, cancer radiotherapy, chemotherapy, and palliative care, ensuring access to essential medical support during critical times.
Brochure
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Our Verdict
Activ One Plus Max provides global coverage, wellness benefits, and chronic care from day one, ideal for families seeking premium protection. However, higher premiums and optional add-ons may increase costs significantly.
About the Plan
The Aditya Birla Activ One Plus Max Plan is a premium health insurance solution designed to provide extensive coverage for families, ensuring financial security and access to quality healthcare. This plan offers high sum insured options and includes a wide range of benefits such as inpatient hospitalization, pre- and post-hospitalization expenses, daycare treatments, and AYUSH coverage. Unique features include global coverage for specified treatments, wellness coaching, annual health check-ups, and rewards for leading a healthy lifestyle. The plan also provides options for enhancing protection with critical illness and accident riders. With cashless hospitalization across a vast network of hospitals and lifelong renewability, the Activ One Plus Max Plan combines comprehensive health protection with wellness-focused benefits to safeguard your family’s health and well-being.
About the Plan
Features of the Product
Room Rent (Normal & ICU)
Normal:
Option 1 - Single Private Room
Option 2 - Shared Accommodation
ICU: no limit
Advanced Treatments
Covers advanced treatments, including robotic surgeries, stem cell therapy (for approved conditions), targeted cancer therapy, organ transplant procedures, and specialized cardiac treatments, ensuring access to modern and high-cost medical care.
Co-payment
For Sum Insured 3 lakhs and below -
Zone II to Zone I: 10% Zone III to Zone II: 15% Zone III to Zone I: 25%
For Sum Insured 4 lakhs and above - Not Applicable
Waiting Periods
Pre-Existing Diseases : Pre-existing Diseases shall be covered after a waiting period of 36 months as specified in Product Benefit Table / Policy Schedule
Specified disease / procedure waiting period : 24 months for specific illness/conditions and their complications in the first two years and is not applicable in subsequent renewals
Initial Waiting Period (Excluding Accidental Hospitalization): 30 days
Cashless Healthcare Providers
12354 + network hospitals.
Day Care Treatments
586 listed day care procedures covered by the policy.
AYUSH Treatment
Covered by the policy.
Exclusions
Pre-existing diseases are excluded until the waiting period expires.
Expenses for diagnostic evaluations not linked to treatment are not covered.
Costs for enforced bed rest, custodial care, or terminal illness services are excluded.
Self-initiated obesity surgeries without medical necessity are not covered.
Cosmetic or plastic surgeries not required for medical reasons are excluded.
Treatments related to hazardous activities or adventure sports injuries are not covered.
Exclusions
Chronic Care - Provides immediate coverage from day one for seven listed chronic conditions, including asthma, hypertension, hyperlipidemia, diabetes mellitus, chronic obstructive pulmonary disease (COPD), obesity, and coronary artery disease (post-PTCA done prior to one year).
Critical Illness Cover - Offers a lump-sum payment upon the diagnosis of specified critical illnesses outlined in the policy document. This financial support can assist with treatment costs and other related expenses during challenging times.
Cancer Booster - Provides additional coverage up to 100% of the sum insured for medical expenses related to the treatment of 'Cancer of Specified Severity.' This ensures enhanced financial protection specifically for cancer-related treatments.
Compassionate Visit - Covers the cost of a two-way economy class air ticket or travel fare, up to ₹50,000, for an immediate family member if the insured person is hospitalized for more than 10 days in a non-home location.
Annual Screening Package for Cancer Diagnosed Patients - Reimburses medical expenses incurred for an annual screening package for individuals diagnosed with cancer, provided specific conditions are met. This add-on supports ongoing monitoring and early detection efforts for cancer patients.
Add-ons
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About the Company
Aditya Birla Health Insurance Company (ABHICL), part of Aditya Birla Capital Ltd., is a trusted health insurance provider backed by the Aditya Birla Group and South Africa’s MMI Holdings. Since starting in 2015, ABHICL has focused on offering unique health plans like Chronic Care (for ongoing illnesses) and Incentivized Wellness, which promotes healthier living by rewarding good habits.
With pre-policy medical checkups for adverse pre-existing conditions, the company ensures tailored coverage and transparency, making it a trusted choice for individuals with specific and specialized health requirements.
Serving 21+ million lives, it combines comprehensive coverage with wellness benefits, empowering individuals to lead healthier lives with unparalleled care and support.
About the Company
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