Unlocking the Key Differences of Aditya Birla Health Insurance: ABHI Activ One Max Vs. ABHI Activ FIT

Sometimes we think there is a lot of difference in premiums in different health insurance plans of the same company. The company says that both the products are different, but we find out which is different for each person. When we compare the plans’ features and benefits, we find a huge difference in the premium.

In this article, we are comparing two plans of Aditya Birla Health Insurance, 1st Activ One Max many variants but here I am going to compare only Activ One Max and will compare it with Activ Fit Plus:-

Sr. No	Basis of Comparison	Activ One Max	Activ Fit Plus
1	Entry Age Adult	Minimum 18 Years & Maximum No Capping	Minimum 18 Years and Maximum 45 years
2	Entry Age Child	91 Days to 25 years	91 Days to 25 years
3	Family Floater 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 as long as they continue to be married, son, daughter, brother, sister, grandson, granddaughter, son in-law, daughter-in-law, brother-in-law, sister-in-law, nephew, niece
4	Multi-Individual Combination	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	Self, legally married spouse as long as they continue to be married, son, daughter, brother, sister, grandson, granddaughter, son in-law, daughter-in-law, brother-in-law, sister-in-law, nephew, niece
5	Base Sum Insured offer	7 Lakh to 2 Cr (Family Floater, Individual and Multi-Individual)	7 Lakh to 1 Cr (Family Floater, Individual and Multi-Individual)
6	Room Type	For any Room, Single Pvt AC Room and Shared Room, the premium will vary depending upon the room type selection	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 Super Credit	Upto Base Sum Insured and Earned No Claim Bonus
8	Road Ambulance	Upto Base Sum Insured	On Actual up to Base Sum Insured through network Hospital / through Non-Network hospital it is 3k/Event of Hospitalisation
9	Modern/Advance Medical Treatment	Upto Base Sum Insured and Earned Super Credit	Upto Base Sum Insured and Earned No Claim Bonus
10	HIV/AIDS and STD Coverage	Upto Base Sum Insured and Earned Super Credit	Upto Base Sum Insured and Earned No Claim Bonus
11	Mental Illness Hospitalisation	Upto Base Sum Insured and Earned Super Credit	Upto Base Sum Insured and Earned No Claim Bonus
12	Obesity Treatment	Upto Base Sum Insured and Earned Super Credit, but there are some conditions regarding the insured person’s BMI and age, The person’s age should be 18 years and above, and BMI should be 40 or Above, greater than a BMI of 35 or equal to this also considerable when person suffering from the co-morbid from the following, Obesity-related cardiomyopathy, Coronary heart disease, Severe Sleep Apnea and Uncontrolled Type2 Diabetes	Upto Base Sum Insured and Earned Super Credit, but there are some conditions regarding the insured person’s BMI and age, The person’s age should be 18 years and above, and BMI should be 40 or Above, greater than a BMI of 35 or equal to this also considerable when person suffering from the co-morbid from the following, Obesity-related cardiomyopathy, Coronary heart disease, Severe Sleep Apnea and Uncontrolled Type2 Diabetes
13	Pre-Hospitalisation	90 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	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	Not Available
16	Domiciliary Hospitalisation	Domiciliary Hospitalisation will be provided if this continues for the last 3 consecutive days, The condition of the Insured Person is such that he/she cannot be removed/admitted to a hospital, and the Medically Necessary Treatment is taken at Home on account of non-availability of room in a Hospital of Home city and the The Domicilia Hospitalization is prescribed in writing by treating Medical Practitioner. It will be applicable for pre-post hospitalisation, AYUSH as well due to illness or injury, to base Sum Insured and Earn Super Credit	Same as Activ One Max
17	Home Care Treatment	In this plan, the company also provides cashless home care treatment as per the need, with some conditions, up to Sum Insured and earned super credit	In this plan, the company also provides cashless home care treatment as per the need, with some conditions, up to Sum Insured and earning super credit
18	AYUSH Treatment	the insurance company will provide AYUSH Treatment for inpatient hospitalisation and AYUSH Day Care Treatment, up to sum insured and earn Super Credit	Same as Activ One up to Sum Insured and earn No Claim Bonus
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 covered:- pre-post hospitalization of the donor, organ transportation & preservation and any medical complications of the donor
20	Annual Health Checkups	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	Yes with the same condition as Activ One Max Plan, but the package will vary
21	Super Reload	Yes, unlimited times up to Base SI, per hospitalisation for all insured members	Yes, unlimited times up to Base SI , per hospitalisation for all insured members
22	Super Credit / No Claim Bonus	In health insurance plans, it has long been known that if the policyholder has not taken any claim in a policy year, then the sum insured increases by some % of the basic sum insured, but in Aditya Birla’s plan, no matter whether there is any claim, the sum insured increases. On no ho basis sum insured will remain equal every year sum insured will increase till 500% i.e. after 5 renewals sum insured will be 6 times forever	Only 10% of every claim free years up to base SI and blowback is also applicable
23	Chronic Medical Conditions Coverage	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	Will apply PED waiting periods for 48 Months
24	Health Returns	This is very popular across the industry that company allowed to discount 100% on their net premium every year	Max up to 50% of Net Premium
25	Maternity Cover	Not Available	Not Available
26	Portibility	Not allowed in Activ One Max, allowed with Activ One Max Plus with some internal guidelines of the company	Not allowed
27	Zonal Premim Applicability	Yes, Urban (Zone-I), Semi-Urban (Zone-II) and Rural (Zone-III), premiums will be lower for lower Zones	Not applicable
28	PED Waiting Periods	36 Months, except the Chronic Medical Conditions , mentioned in point no-23	48 Months waiting periods applicable for all pre-medical disease
29	Specific Surgery Waiting Periods	24 Months	24 Months
30	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
31	Day Care	Cover for all listed Day Care up to SI and Earn Super Credit	Cover for all listed Day Care up to SI and earn No Claim Bonus
32	After 5 renewals Policy Sum Insured	6 times of Sum Insured for lifetimes	After 5 renewals Policy Sum Insured

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Here above is a comparison of Aditya Birla Health Activ One Max and Activ FIT Plus, remember one thing the premium will be higher for Activ One compared to Activ FIT.

For Complete Personal Finance consultation, we have dedicated consultants who have more than 2 decades of experience not only in product understanding but also in claims as well please get in touch with us

Disclaimer – This information totally based on the information on the policy wording/product benefits tables for both plans and might be changed in future as per the insurance company from time to time.