Aditya Birla Health Insurance Policy: Is Activ One Max Plus Better Than HDFC Ergo?

Choosing between health insurance plans can get confusing, right? Especially when both look great on paper. On one side, you have HDFC Ergo Optima Secure, and on the other, there’s this new Aditya Birla Health Insurance Policy called Activ One Max Plus.

Now, both are solid, no doubt about that. But what suits your family better? That depends on a few simple things—who you want to cover, what kind of benefits you expect, and how much flexibility you need from a plan like the Aditya Birla Health Insurance Policy.

If you’re thinking about the Aditya Birla Health Insurance Policy, this guide can help you decide if it’s the right fit. No complex words—just easy points that make sense.

This article compares HDFC Ergo Health Insurance’s flagship plan, “HDFC Optima Secure,” and the newly launched Aditya Birla Health Insurance Policy, “Activ One Max Plus.” Both plans have good features and claim settlement records. It will depend on the individual customer which one to prefer. This article helps them decide which one is better for them.

Sr. No	Basis of Comparison	HDFC Ergo Optima Secure	Aditya Birla Health- Activ One Max Plus
1	Entry Age Adult	Minimum 18 Years & Maximum No Capping	Minimum 18 Years & Maximum No Capping
2	Entry Age Child	91 Days to 25 years	91 Days to 25 years
3	Family Floater Combination	2 Adults + 3 Kids	2 Adults & 4 Kids, Self, legally married spouse OR live-in partner (same or opposite sex),dependent Children (Natural/legally adopted)
4	Multi-Individual Combination	2 Adults & 4 Kids, Self, legally married spouse OR live-in partner (same or opposite sex), dependent Children (Natural/legally adopted)	Self, legally married spouse OR live-in partner (same or opposite sex), son, daughter, brother, sister, grandson, granddaughter, son-in-law, daughter-in-law, brother-in-law, sister-in-law, nephew, niece, parents and parents-in-law
5	Base Sum Insured offer	10 Lakh to 2 Cr (Family Floater, Individual and Multi-Individual)	10 Lakh to 2 Cr (Family Floater, Individual and Multi-Individual)
6	Room Type	Any Room	For any Room, Single Pvt AC Room and Shared Room, the premium will vary depending upon the room type selection
7	ICU Coverage	Upto Base Sum Insured and Earned NCB	Upto Base Sum Insured and Earned Super Credit
8	Road Ambulance	Upto Base Sum Insured and Earned NCB	Upto Base Sum Insured and Earned Super Credit
9	Modern/Advance Medical Treatment	Upto Base Sum Insured and Earned NCB	Upto Base Sum Insured and Earned Super Credit
10	HIV/AIDS and STD Coverage	Upto Base Sum Insured and Earned NCB	Upto Base Sum Insured and Earned Super Credit
11	Mental Illness Hospitalisation	Upto Base Sum Insured and Earned NCB	Upto Base Sum Insured and Earned Super Credit
12	Obesity Treatment	Upto Base Sum Insured and Earned NCB	Upto Base Sum Insured and Earned Super Credit
13	Pre-Hospitalisation	60 days before the Hospitalization	90 days before the Hospitalization
14	Post-Hospitalisation	180 days after the discharge from the Hospital	180 days after the discharge from the Hospital
15	Non-Medical Expenses Waiver	Only Annexure A is Covered	Non-payable items will be covered, all 4 lists prescribed by IRDA and include 146 items that are defined by IRDA as non-medical Expenses Waiver
16	Domiciliary Hospitalisation	Yes, up to the Sum Insured / earned NCB with some terms and conditions	Yes, up to the Sum Insured / earned Super Credit with some terms and conditions
17	Home Care Treatment	Not Available	the insurance company will provide AYUSH Treatment for inpatient hospitalisation and AYUSH Day Care Treatment, up to the sum insured and earn NCB
18	AYUSH Treatment	The insurance company will provide AYUSH Treatment for inpatient hospitalisation and AYUSH Day Care Treatment, up to the sum insured and earn NCB	The insurance company will provide AYUSH Treatment for inpatient hospitalisation and AYUSH Day Care Treatment, up to sum insured and earn Super Credit
19	Organ Donar Expenses	The company pays the expenses for organ donor treatment procedures only for harvesting and the below is not cover:- pre-post hospitalization of the donor, organ transportation & preservation and any medical complications of the donor	The company pays the expenses for organ donor treatment procedures only for harvesting and the below is not cover:- pre-post hospitalization of the donor, organ transportation & preservation and any medical complications of the donor
20	Annual Health Checkups	Family Floater policies limits will be for 5 Lakh SI Rs.2500, 10 Lakh SI Rs. 5000, 15 Lakh SI Rs. 8000, for 20,25 and 50 Lakh SI Rs. 10000 and 1 Cr & 2 Cr SI Rs. 15000 per policy year after 1st renewal of the policy, only on Reimbursement basis	Yes, available on a cashless pre-design package and it will vary upon the base sum insured, from day 1 of policy issuance per year for all 18 years and above members
21	Super Reload	As an Optional Cover, if opted will work 2X of Base Sum Insured from 1st Claim	Yes, unlimited times up to Base SI, per hospitalisation for all insured members
22	Super Credit / No Claim Bonus	100% upto 400%	100% of Basic Sum Insured up to 500%, irrespective of claim
23	Chronic Medical Conditions Coverage	Not Available	Asthma, BP, Cholesterol, Diabetic-Type -II, COPD, Obesity and PTCA are done before one year, but keep in mind it there will be very stringent medical underwriting before issuance of this policy, once issuance is done, coverage starts from Day 1 for these conditions
24	Health Returns	Not Available	This is very popular across the industry that company allowed to discount 100% on their net premium every year
25	Maternity Cover	Not Available	Not Available
26	Zonal Premim Applicability	Yes, Urban (Zone-I), Semi-Urban (Zone-II) and Rural (Zone-III), premiums will be lower for lower Zones	Yes, Urban (Zone-I), Semi-Urban (Zone-II) and Rural (Zone-III), premiums will be lower for lower Zones
27	PED Waiting Periods	36 Months	36 months, except for the Chronic Medical Conditions, mentioned in point no-23
28	Specific Surgery Waiting Periods (For Fresh Policy Only)	24 months, for listed specific surgery/ procedures	24 months, for listed specific surgery/procedures
29	Premium Payment Options	1 year, 2 years with 7.5% discount for both years and 3 years with 10% discount for all three years	1 year, 2 years with 7.5% discount for both years and 3 years with 10% discount for all three years
30	Day Care	Cover for all listed Day Care up to SI and Earn NCB	Cover for all listed Day Care up to SI and Earn Super Credit
31	After 5 renewals Policy Sum Insured	4 times of Sum Insured	6 times of Sum Insured for lifetimes
32	Premium waiver	Not Available	Inbuilt for Listed 20 Critical Illnesses, which diagnosed for any Adults Member, next year renewal premium will be waived
33	Hospital Cash	In Optional Basis only	In Optional Basis only
34	Durable equipment cover	Not Available	7 Listed. I. Ventilator II. Wheelchair III. Prosthetic device IV. Suction Machine V. Commode Chairs VI Infusion pump VII. Continuous Passive motion devices in case of Knee Replacement VIII. Oxygen concentrator Combined Sub-limit of INR 5 Lacs to buy / rent
35	Advanced Health Check-up	Not Available	Yes, Listed & Cashless (90 days waiting period) I. Computed tomography angiography (CTA) II. Positron emission tomography (PET) Scan
36	Default Personal Accident Plan	Not Available	Yes, 25 Lakh Each for Self & Spouse

Comparison Summary: Aditya Birla Health Insurance Policy vs HDFC Ergo

Here’s a quick look at how the Aditya Birla Health Insurance Policy (Activ One Max Plus) compares with HDFC Ergo Optima Secure:

• Family Coverage: Aditya Birla Health Insurance Policy allows more relations, including in-laws and live-in partners
• Non-Medical Expenses: HDFC covers only Annexure A; Aditya Birla covers all 146 IRDAI-listed non-payable items
• Health Rewards: Available only in Aditya Birla Health Insurance Policy through the HealthReturns program
• Chronic Condition Coverage: Covered from Day 1 (after approval) in Aditya Birla; not available in HDFC Ergo
• Super Reload Benefit: Unlimited in Activ One Max Plus; optional and limited in HDFC Ergo
• Annual Health Check-ups: Cashless from Day 1 in Aditya Birla; available post-1st renewal in HDFC Ergo
• Accident Cover: Included by default in Aditya Birla Health Insurance Policy; not available in the HDFC plan

 Some Strong Benefits of Aditya Birla Health Insurance Policy

Here’s why many people are choosing the Aditya Birla Health Insurance Policy over other plans:

• You can include in-laws, siblings, and even live-in partners.
• If you stay fit, you can get back up to 100% of your premium every year through their Health Returns program.
• Conditions like BP, asthma, and even diabetes are covered from day one (after a basic check).
• It pays for 146 nonmedical items (like gloves, masks, etc.), which most plans don’t cover.
• You get free checkups every year—no need to wait for a few years.
• If someone is diagnosed with a serious illness from their list, next year’s premium is waived.
• They also cover useful equipment like wheelchairs, oxygen machines, etc.
• You get unlimited reloads of your coverage amount for different hospital stays.
• ₹25 lakh accident cover comes automatically for both you and your spouse.

So, overall, the Aditya Birla Health Insurance Policy gives you more add-ons and flexibility than many regular plans.

Final Thoughts – Is Aditya Birla Health Insurance Policy Right for You?

Both plans have their good points. HDFC Ergo is clean and reliable, no doubt. But if you’re looking for something a bit more modern, with added wellness benefits and bigger family coverage, then Aditya Birla Health Insurance Policy stands out.

The Aditya Birla Health Insurance Policy rewards you for staying healthy, covers many items that other plans skip, and gives a bit more comfort for big families or those with chronic conditions.

At the end, it’s your call—but if you’re leaning towards modern benefits and broader coverage, the Aditya Birla Health Insurance Policy might give your family the best support when needed.

FAQs – Common Questions About Aditya Birla Health Insurance Policy