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Activ One MAX
Up to 100% HealthReturnsTM*- Coverage for listed non-medical expenses with Claim Protect#
- Unlimited Refill with Super Reload1
Why buy Activ One MAX Plan?
Activ One MAX is an all-inclusive health insurance plan offering a range of built-in and optional coverage features. Plus, you can earn up to 100%* of your premium HealthReturns™, which can be used for various services$.
Super Credit increases the sum insured
No capping^ on hospitalisation expenses
Listed modern procedures and treatments are covered
How Does Activ One MAX Plan Work?
He is at the peak of his career and does not want his work to affect his health.
Prakash bought the Activ One MAX to reward him for staying active and healthy.
A few years later, he got into a minor road accident. His Health Insurance covered the treatment cost, but it came with a small co-pay he needed to pay himself.
Thankfully, being an active person, Prakash had collected HealthReturns™ in the previous year.
He used HealthReturns™ to cover the co-pay and did not have to pay anything out of his pocket.
She’s a professor and a mother who spends most of her time juggling her responsibilities.
She bought the Activ One MAX plan, with coverage worth ₹20 lakhs and an optional cover for the Chronic Management Program.
Three years later when she went in for her free annual health check, she discovered her blood pressure was very high.
Her plan covered her for the diagnostic test and the doctor’s consultation and put her on a customised Chronic Management Program.
A year later, Kriti has managed to get her blood pressure under control and hasn’t had any serious issues. Being able to buy medicines with HealthReturns™, she didn’t have to pay for anything.
What's Included?
Earn up to 100% of your premium back as HealthReturnsTM* by embracing a healthy life.
Get coverage for listed non-medical expenses incurred on hospitalisation.
Get 100% of the Basic Sum Insured increased after every renewal, irrespective of the claims made. The maximum increase allowed is 500% of the base sum insured up to ₹3 crores.
Get complete coverage for the medical bills incurred on hospitalisation without any capping^
Enjoy unlimited refill1 of the base sum insured if the base sum insured and the accumulated Super Credit are exhausted or insufficient for a claim.
Get covered for pre and post-hospitalisation expenses incurred for up to 90 and 180 days respectively.
Get covered for advanced and robotic treatments for listed illnesses and treatments.
Get a free annual health checkup that includes BP, BMI, blood sugar, total cholesterol, etc.
If you are admitted to a hospital for 24 hours or more, coverage is allowed for the expenses, including room rent, doctor’s fees, nurse’s fees, etc.
Treatments not requiring 24-hour hospitalisation are also covered under the plan.
Treatments taken at home are called domiciliary hospitalisation. Such treatments are also covered under the plan.
Get coverage for the cost of ambulance incurred on transporting you to the hospital up to the Base Sum Insured.
Get coverage for the expenses incurred in harvesting an organ from a live donor for organ transplant surgeries.
Coverage is allowed for non-allopathic, alternative treatments like Ayurveda, Unani, Siddha, and Homoeopathy.
Coverage for inpatient, pre and post-hospitalisation costs incurred for mental illnesses up to the base sum insured.
Coverage is allowed for bariatric surgeries which are medically necessary.
Get covered for the expenses incurred on availing home treatments and healthcare facilities.
What's Not Included?
No coverage for diagnostic evaluations and investigations that do not result in treatments
Rest, cure, rehabilitation, and respite care are not included
Self-initiated obesity or weight control treatments
Gender change treatments
Cosmetic and plastic surgeries
Participation in hazardous activities, sports, or criminal acts
In the case of treatment from listed providers, emergency care will be paid till stabilisation
Treatments taken in nature care clinics, health hydros, spas, or similar centres
Get Started With Activ One MAX Plan
How to buy?
- Assess your needs and check the plan on the https://www.adityabirlacapital.com/healthinsurance .
- Carefully go through coverage and exclusions.
- Select the riders relevant to you and click “Buy Online”.
- Share your details, select coverage, term etc.
- Make the payment and enjoy your newfound peace.
How to renew?
- Visit the policy renewal page on the website.
- Enter your policy number and personal details.
- Check the renewal amount displayed.
- Make payment via the preferred mode and you are done.
- You will receive a confirmation email of the successful policy renewal.
How to claim?
- Intimate the insurer before your hospitalisation or as soon after as possible.
- Gather all required documents - policy, hospital bills, doctor’s notes etc.
- Visit the claims section on the website.
- Provide basic details about the policy and the policyholder.
- Submit the required documents and we’ll get back to you.
Check Your Eligibility
Check your eligibility and take the first step toward financial security
Eligibility Criteria
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Family floater minimum age
91 days for dependent children and 18 years for adults
Maximum - no capping - Individual plan minimum age- 5 years
- Maximum age 25 years for children and no limit for adults
- Medical tests May be required depending on age
- Base Sum Insured ₹2 lakhs to ₹6 crores
- Policy tenure 1,2 or 3 years
Waiting Period
- Initial Waiting Period 30 Days (not applicable in case of an accident)
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Specified Diseases or
Procedures: 2 years - Pre-Existing Diseases: 3 years
Additional Covers For Extra Protection
Customer Satisfaction Stories
Don’t just take our word for it. Hear from our customers about their successful financial journey with us
Aditya Birla Health Insurance Customer
Staying healthy has become a way of life. I really enjoy using the Activ Health app that gives all my health solutions at one place.
Aditya Birla Health Insurance Customer
Noida, India
Aditya Birla Health Insurance Customer
Aditya Birla Health Insurance has been my companion in my weight loss journey of losing 17 Kgs and helping me stay disease-free. Health Returnsᵀᴹ keeps my whole family motivated to be active and stay fit and each person can do the exercise of their choice
Aditya Birla Health Insurance Customer
Delhi, India
Aditya Birla Health Insurance Customer
ABCD - One app for all your insurance needs
With a few clicks on the ABCD app, you can get financial protection against medical emergencies with a health insurance plan.
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Comprehensive coverage against illnesses and injuries -
Digital purchase process
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Low and affordable premiums with one-click payments
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Table of Contents
What is Activ One MAX Plan?
- The Aditya Birla Activ One MAX plan is a comprehensive health plan that prioritises both health and financial well-being.
- Get comprehensive coverage for medical expenses with unique features like HealthReturns™, sum insured refill1, super credit and non-medical expenses waiver
- Get health support with the Chronic Management Program as an optional cover.
- The policy offers both individual and family floater policies, a choice of hospital rooms, and an annual health check-up facility to the insured, among other features.
Who should buy Activ One MAX Plan?
Young adults
Premiums are low at a younger age and can help you inculcate healthy habits. You can also earn back up to 100% of your premium as HealthReturns™*.
People with chronic illnesses
The plan's many features, such as health screening, coverage from day one, and a Chronic Management Program, can be especially helpful in mitigating risks.
Families
With the family floater option, you can cover the whole family under one plan. This would allow you to go for a much higher sum insured while being quite cost-effective.
Elderly individuals
The plan offers coverage for various age-related issues, such as hypertension, heart issues, and high cholesterol, etc., which can be quite useful for someone in their advanced age.
What are HealthReturns™?
HealthReturns™ is designed to encourage and reward you for adopting a healthy lifestyle and staying active. Here are some of its key features and benefits:
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Earn points
You can earn HealthReturns™ points for maintaining an active lifestyle, including walking, running, or cycling. These points are tracked through wearable fitness devices or mobile apps.
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Annual payout
Accumulated HealthReturns™ points get you an annual payout, typically in the form of a premium discount or wellness benefits. You can also use these points to pay for things your plan does not cover$
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Requirement
The more active you are, the higher your potential reward. For example, with Activ One MAX plan, you can earn up to 100% of your premium as HealthReturnsTM* by staying active for 275 days in a year.
How to earn HealthReturns™?
Step 1
Download the Activ Health App
Step 2
Schedule your Health Assessment
Step 3
Stay active and track your steps to get Activ Dayz™
1 Active Dayz™ = 10,000 steps or 300 calories burned in one exercise session per day
Step 4
Complete 325 Active Dayz™ in a year to get up to 100% HealthReturns™*
Step 5
Redeem your HealthReturns™ and use it to pay your next policy premium$
What is the cashless claim process?
- Step 1: Inform the insurer and visit the nearest network hospital.
- Step 2: Present your health card and ID proof at the hospital helpdesk.
- Step 3: Fill out the cashless hospitalisation request form and submit the pre-authorization letter.
- Step 4: Once your request is approved, you can avail cashless services at the network hospital.
- Step 5: The incurred expenses will be settled directly by the insurer according to the policy terms.
What is the Chronic Care Management Program?
What?
• Designed to provide specialised support to policyholders dealing with chronic health conditions.
• Optional covers include asthma, Hypertension, Hyperlipidemia, Diabetes Type 1 and Type 2, Coronary Artery Disease with PTCA done prior to 1 Year, Chronic Obstructive Pulmonary Disease (COPD), High Body Mass Index (Obesity), high blood pressure and high cholesterol.
How?
• Coverage for listed ailments from day 1.
• Dedicated support and guidance from healthcare professionals.
Who?
• Anyone over the age of 91 days.
• Spouses and children (under 25) can be added as dependents.
FAQs on Activ One MAX Plan
Activ One MAX is a comprehensive Health Insurance plan offering a range of coverage benefits, including inbuilt and optional coverage features. You can also earn HealthReturns™ for practising a healthy lifestyle. These HealthReturns™ can be redeemed for premium payments and other cost-saving benefits$
With Activ One MAX, you get not only a set of built-in coverage benefits but also a range of optional covers that enhance the scope of the policy. The policy offers a sum insured up to ₹6 crores to give adequate protection against expensive medical bills.
Moreover, coverage for mental illnesses, the chronic disease management program, super credit, and unlimited sum insured refill1 are some features that set the plan apart from other Health Insurance plans.
Some of the key features of Activ One MAX are as follows -
● You can earn up to 100% in HealthReturns™*
● Get coverage for listed non-medical expenses with Claim Protect#
● Enjoy unlimited sum insured reloads with Super Reload1
● The sum insured doubles with Super Credit if you renew the policy
● There’s no capping^ on the coverage for hospitalisation expenses
Individuals fulfilling the entry age criterion can apply for Activ One MAX. The criterion is as follows -
For family floater plans
• Entry age for adults - Minimum 18 years, Maximum - no capping
• Entry age for children - Dependent child for family floater or multi-individual policy - 91 days to 25 years
For individual policy - 5 years
Coverage under Activ One MAX is allowed for the following medical expenses -
● Inpatient hospitalisation
● Pre and post-hospitalisation
● Road ambulance cover
● Organ donor expenses
● AYUSH treatments
● Daycare treatments
● Listed modern procedures and treatments
● Obesity treatments
● Domiciliary treatments
● Home healthcare expenses
● Annual health check-ups
Cashless hospital network
*The amount of HealthReturnsTM is indicative. The same shall be subject to the Product & Health Risk Assessment.
$Please refer to the Policy Wordings for a complete list under utilisation of HealthReturnsTM
#Claim Protect - Coverage for non-medical expenses (as per List 1,2,3,4 under Annexure I of Policy Wordings) for items like gloves, gowns, face masks, and more. For more details on the product, its benefits & HealthReturnsTM, and T&C Apply, please refer to the Policy Wording before concluding a sale.
^Key benefits are covered up to the Sum Insured, and for more details, please refer to Annexure III - Product Benefit Table of Policy Wording.
1Unlimited refill up to up to Base Sum Insured. T&C Apply. Aditya Birla Capital Digital Ltd (ABCDL) is a Corporate Agent with IRDAI Reg No. CA0871 of Aditya Birla Health Insurance Co. Limited and does not underwrite the risk or act as an insurer T&C Apply.
For more details on the applicability of the benefit, please refer to the PBT/Policy wordings.
Aditya Birla Health Insurance Co. Limited. IRDAI Reg.153. CIN No. U66000MH2015PLC263677 | ADV UIN- ABHI/ONL/24-25/117. Address: - 9th Floor, Tower 1, One World Centre, Jupiter Mills Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai 400013. Email: care.healthinsurance@adityabirlacapital.com Website: adityabirlahealthinsurance.com Fax: +91 22 6225 7700 Phone: 1800 270 7000. For more details on risk factors, terms and conditions, please read policy wordings & prospectus carefully before concluding a sale. Trademark/Logo Aditya Birla Capital is owned by Aditya Birla Management Corporation Private Limited, and Trademark/logo HealthReturns™, Healthy Heart Score, and Active Dayz are owned by Momentum Metropolitan Life Limited (Formerly known as MMI Group Limited).
These trademarks/Logos are being used by Aditya Birla Health Insurance Co. Limited under licensed user agreement(s). Product and UIN: Activ One MAX - ADIHLIP24097V012324. 1. Tax benefits are subject to changes in tax laws. Figures displayed on the homepage are as on September 2023. Category of Certificate: Health Insurance. Validity of Certificate of Registration: Valid premium is indicative and may vary as per underwriting decisions. T&C Apply.