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Aditya Birla
Activ One - MAX
The cover-compounder - cover that grows every year, claim or no claim, up to five times your base, with refills that can even pay the same bill that drained it.
PLAN SELECTION
7 plans available with 17 sum insured options
What you should know first
Where this plan is strong, where to watch - and how it performs on what matters most.
At a glance
5 strong3 to watch
What's strong
- Full-SI room rent, no cap - no proportionate bill deduction.
- Super Credit: +100% cover a year, claim or not, up to 5× base (₹3 cr cap).
- Super Reload: full base back, unlimited times - even on the same bill.
- Longest windows around: 90 days pre-, 180 days post-hospitalisation.
- Claim Protect pays the consumables insurers usually deduct at discharge.
What to watch
- Maternity fully excluded on MAX - a delivery pays nothing.
- Newborn only after 90 days - premature/NICU care in month 1–3 is on you.
- No everyday OPD - outside-hospital care needs the paid chronic-condition add-on
What Matters Most
FeatureKey DetailOur Verdict
Strong
Strong
Standard
Standard
Strong
Strong
Strong
Strong
Strong
Strong
Standard
Standard
Next
You’ve read the shape of this cover. Now put a real bill through it.
Policy Features Breakdown
Filter by the worry on your mind to see how this plan handles each concern - its sub-limits, waiting periods and the catches.
What are you worried about?
All Policy Features41 features
StrongCommonly Missed
Your hospital room is paid at its actual cost, up to the Sum Insured - no daily rupee cap and no room category limit on any plan. Most plans also let you cut your premium by opting into a room ceiling of a Single Private Room or a shared room; VIP and VIP+ do not offer that choice.
Coverage detailstap any row to understand it
Watch out
If you opt into a Room Rent Type Option to save premium, you accept a room ceiling for the whole policy year. The policy does not state what it pays if you then take a room above that category, so get that answer in writing before you opt in.
StandardCommonly Missed
Anything you were diagnosed with, or advised treatment for, in the 36 months before the policy starts waits 3 years before it is covered. You can buy that wait down to 2 years or 1 year, but only when you take your first policy with this insurer. Unbroken cover ported from another insurer counts towards the wait.
Coverage detailstap any row to understand it
Watch out
Cover after the 3 years applies only to a condition you declared at the time of application and the insurer accepted. A condition you did not declare can stay excluded even after the wait, so a claim for it can be turned down.
Strong
ICU and ICCU charges are paid at actual cost up to the Sum Insured on every plan, with no daily cap and no separate ICU sub-limit. A long stay in intensive care is limited only by how much Sum Insured you have left.
Coverage detailstap any row to understand it
Watch out
ICU charges here take in the ICU bed, the monitoring devices, critical care nursing and the intensivist's fee, so those are settled as part of the ICU charge rather than billed to you separately.
StrongCommonly Missed
Super Reload refills your full base cover whenever a claim exhausts it or falls short, with no limit on how many times in a year. Because it also triggers on a shortfall, it can pay the same bill that ran out of cover. On most plans the first claim in the life of the policy gets no reload; NXT is the exception and reloads from day one.
Coverage detailstap any row to understand it
Watch out
On every plan except NXT, the very first claim in the life of the policy gets no reload. If that first claim is a large one, you pay everything above your base sum insured and accumulated Super Credit from your own pocket.
Strong
Super Credit adds a fixed share of your base cover to your sum insured at every renewal, and it is added even in a year you claimed. On MAX that is 100% of base per year, growing to 500% of base, with a ceiling of 3 crores. VIP has no Super Credit at all, and on NXT you have to buy it as an optional cover.
Coverage detailstap any row to understand it
Watch out
Super Credit is added only if you renew or pay the premium within the grace period. If you reduce your base sum insured at renewal, the accumulated Super Credit is cut in the same proportion.
Standard
There is no separate pool above your sum insured. The extra room comes from Super Reload: it triggers when your cover is insufficient for a claim, not only when it is used up, so it can top up the very bill that ran out and add one more base sum insured to it. On every plan except NXT, the first claim in the life of the policy gets none of this.
Coverage detailstap any row to understand it
Watch out
Unlike a pool that is funded from day one, this extra room is not there for the first claim in the life of the policy on any plan except NXT. A single large first claim is paid only up to your base cover plus accumulated Super Credit.
Specific Illness Waiting Periods
These conditions are covered after a waiting period - not excluded. Once the wait is over, they're treated like any other illness. Select a body region, or view the entire body, to see which ones this plan names.
How long you wait, for what
Accidents
Day 1Covered from the first day, with no waiting at all.
Illness, in general
30 daysAfter the first month, ordinary illness is covered.
The listed conditions
24 monthsEach one is then covered, like any other illness.
What you already had
36 monthsConditions you declared when you bought the plan.
Nothing more to prove
60 monthsAfter this, only proven fraud can be held against a claim.
Already diagnosed with one of these? A different rule applies - conditions you already have follow the pre-existing waiting period. See how that works
Entire Body
45 ConditionsWaiting Period: 24 months
Eyes, ENT & Thyroid
Tonsillitis and Adenoiditis
Tonsil and throat swelling
Head & Face
Swollen throat glands that cause pain and trouble swallowing.
The exact words
“Tonsillitis & Adenitis — Medical & Surgical Treatment”
“Adenoiditis — Medical & Surgical Treatment”
Section D.1.2 · pages 10–11
Glaucoma
High eye pressure (Glaucoma)
Head & Face
Increased pressure inside the eye that can harm vision.
The exact words
“Glaucoma — Glaucoma Surgery”
Section D.1.2 · pages 10–11
Refractive Error
Eyesight power issue
Head & Face
Common vision problems requiring glasses or contact lenses.
The exact words
“Refractive Error Correction — Correction Surgery”
Section D.1.2 · pages 10–11
Cataract
Eye lens clouding (Cataract)
Head & Face
A clouding of the eye lens that makes vision blurry.
The exact words
“Cataract — Cataract Surgery”
Section D.1.2 · pages 10–11
Cholesteatoma
Ear skin cyst
Head & Face
A harmful, growing cyst inside the ear that needs to be removed.
The exact words
“Cholesteatoma — Medical & Surgical Treatment”
Section D.1.2 · pages 10–11
Policy Exclusions
What this plan won’t pay for
We read all 39 exclusion clauses in this policy. 21 clauses change what you’d actually claim.
Never paid
10 clausesNo waiting period reaches these - the plan does not cover them at all.
Paid, but only if…
11 clausesWritten as exclusions, but the policy states a way in. The condition is the whole point.
Premium discounts
Ways to pay less
Every discount printed in this policy’s own documents - what it’s worth, who qualifies, and what it asks in return.
Just for qualifying
7 discountsNothing is given up in return - you either meet the condition or you don't.
Policy discount
up to
About the provider
Aditya Birla
Filed plan · UIN ADIHLIP24097V012324
Comparisons· 10 pairs
Put it next to another plan
Activ One beside each of the other plans on the shelf: every clause that differs, read from the policy wording.
Sources
Everything on this page is read from the insurer’s own filings. It is an educational summary - not advice, not a recommendation to buy, and we sell nothing.
Plan facts last updated 17 Aug 2026.
IRDAI UIN: ADIHLIP24097V012324