Aditya Birla Activ One MAX Review: Lower Premiums With Wellness-Linked Discounts
Pros
- Real premium discounts tied to wellness/fitness engagement
- Solid mid-90s percent claim settlement ratio
- Modern app-based policy servicing
- Good fit for health-conscious buyers
Cons
- Discount value depends on consistent app engagement
- Claim settlement ratio trails the very top insurers
- Wellness tracking adds a step most competitors dont require
- Base premium without discount is less competitive
The wellness angle
Activ One MAX links premium discounts to health and fitness activity tracked through Aditya Birla's wellness program (steps, health checks, and similar engagement) -- among comparison platforms this is consistently cited as the plan's clearest differentiator, genuinely lowering effective premium for policyholders who engage with it.
Claim settlement
Aditya Birla's disclosed claim settlement ratio in recent industry comparisons sits in a solid mid-90s percent band, generally ranked just behind the very top insurers like HDFC ERGO but ahead of several competitors.
Who benefits most
The discount structure rewards active engagement -- someone who won't consistently log wellness activity through the app captures less of the advertised premium benefit than the headline numbers suggest.
Bottom line
A strong choice specifically for buyers who are already fitness-conscious and will actually use the wellness app regularly; for someone unlikely to engage with the tracking features, the effective premium advantage narrows and the plan should be compared on base features alone.
Claim settlement ratios, features, and premiums verified against insurer disclosures and comparison-site data as of mid-2026 -- confirm current CSR (published annually by IRDAI/insurers) and policy wording directly with the insurer before publishing or purchasing, as both change year to year.
