Overview of Activ One MAX+
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 of Activ One MAX+
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.
You can pick any room you like, a highly valued feature.
Unlimited Restoration Benefit, which adds significant value to the policy.
Cons
Premiums are relatively high.
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 10 years ago, making it a relatively new entrant with a developing track record.
Claims Experience
96% CSR, calculated as a 3-year average
Aditya Birla settles 96% of all claims it receives demonstrating strong credibility.
Network Hospitals
16,500+
Aditya Birla has a strong network with over 16,500 hospitals, ensuring wide accessibility and convenience for policyholders.
Complaints
19 complaints per 10,000 claims registered
Aditya Birla experiences a moderate number of complaints, indicating room for improvement in addressing customer concerns.
The aforementioned ratios have been averaged over three years (FY24-FY26)
Features of Activ One MAX+
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 of Activ One MAX+
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.
Exclusions in Activ One MAX+
Conditions or treatments that the policy clearly says it will not