Aditya Birla Health Insurance Co. Limited
Activ One MAX
Aditya Birla's premium flagship
UIN ADIHLIP24097V012324We don't sell this — we'll still recommend if it fits
The dealbreaker fields
Max cover
₹2 cr
Claim settlement (CSR)
98%
PED waiting
36 months
Specific disease wait
36 months
Mandatory co-pay
0%
Room rent prop. ded.
No
Pre / post hosp.
60 / 180 days
Network hospitals
11,000+
Free look
30 days
What this plan does well
- Premium-segment ABI flagship — 5L to 2Cr cover
- Restoration unlimited in policy year
- 36 Critical Illnesses covered in base
- Chronic Management Program (7 conditions) — DISTINCTIVE
- 180-day post-hospitalisation
- Modern Treatments up to SI
- Maternity in base (24-mo wait)
- Annual Health Check-up
Watch out for
- Cover bands premium-priced (5L minimum)
- Specific disease waiting 36mo (long for premium segment vs Aspire 24mo)
- Hazardous sports broad exclusion list
- Free Look 30 days standard
Is this the right plan for you?
Run the 30-second cover calculator. We'll tell you whether this plan, or a different one, is the better fit.
Find my right cover →We don't directly sell this plan today. If our verdict says this is your best fit, we'll point you to a broker who does — and tell you our paired listed alternative so you can decide.