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Reviewed by Finzony Finance TeamLast updated:
Activ One VYTL is designed for people who want broad hospitalization protection along with dedicated support for selected chronic conditions. The plan combines HealthReturns, unlimited Super Reload, Super Credit and comprehensive hospitalization benefits with Day 1 inpatient coverage for seven listed chronic conditions, subject to the policy terms.
HealthReturns up to 100% + Day 1 chronic care + chronic management program
The strongest part of Activ One VYTL is its combination of regular health insurance protection and chronic-care support. Listed conditions such as diabetes, hypertension, asthma, hyperlipidemia, COPD, obesity and coronary artery disease can receive Day 1 inpatient coverage when the applicable chronic-care conditions are satisfied. The plan also adds an OPD Chronic Management Program for eligible declared conditions.
Aditya Birla Health Insurance
Key Insights
Founded
2015
Aditya Birla Health Insurance was established 11 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
95.8% CSR, calculated as a 3-year average
Aditya Birla Health Insurance settles 95.8% of all claims it receives, demonstrating strong credibility.
Network Hospitals
13,000+
Aditya Birla Health Insurance has a network of 13,000+ hospitals, ensuring wide accessibility and convenience for policyholders.
Hospitalization expenses including eligible room rent, ICU, medicines, diagnostics and treatment are covered up to the applicable Sum Insured.
Subject to policy terms and admissibility.
Listed day care procedures are covered up to the Sum Insured.
Applicable to covered procedures under the policy.
Eligible medical expenses incurred before hospitalization are covered for up to 90 days.
Subject to the hospitalization claim being admissible.
Eligible medical expenses incurred after discharge are covered for up to 180 days.
Subject to policy conditions.
Provides Day 1 inpatient hospitalization coverage for seven listed chronic conditions when the stated conditions are met.
Includes Diabetes, Hypertension, Asthma, Hyperlipidemia, COPD, Obesity and eligible Coronary Artery Disease.
The standard 3-year pre-existing disease waiting period can be reduced to 2 years or 1 year through the applicable optional cover.
Must be selected as permitted under the product.
The standard 2-year specific disease waiting period can be reduced to 1 year through the optional cover.
Applicable to listed specified diseases and procedures.
Standard waiting periods include 30 days for initial hospitalization, 2 years for specified diseases/procedures and 3 years for pre-existing diseases. Listed chronic conditions covered under the Chronic Care benefit receive waiver of the applicable initial and pre-existing disease waiting periods, subject to policy conditions.
Initial Waiting Period
Applies to illnesses and hospitalization claims during the initial period, except accidental hospitalization and benefits specifically covered from Day 1.
Pre-Existing Disease Waiting Period
Standard waiting period for pre-existing diseases. The optional reduction cover can reduce this to 2 years or 1 year where applicable.
Specific Disease Waiting Period
Applies to listed specified diseases and procedures. An optional cover can reduce this waiting period to 1 year.
Critical Illness Optional Cover
The optional Critical Illness Cover has an initial waiting period of 60 days and a 15-day survival period after diagnosis.
Conditions or treatments that the policy clearly says it will not cover.
The plan provides Day 1 inpatient coverage for seven listed chronic conditions: Diabetes, Hypertension, Asthma, Hyperlipidemia, Chronic Obstructive Pulmonary Disease (COPD), Obesity and Coronary Artery Disease where the stated PTCA condition is met.
Insurer
Aditya Birla Health Insurance plans and claim process
Activ One VYTL is a comprehensive health insurance variant that combines hospitalization protection, HealthReturns, Super Reload, Super Credit and dedicated chronic-care benefits.
It can be particularly useful for people who want comprehensive health protection along with dedicated support for selected chronic conditions.
The listed chronic conditions are Diabetes, Hypertension, Asthma, Hyperlipidemia, COPD, Obesity and eligible Coronary Artery Disease where the specified PTCA condition is satisfied.
Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Claim settlement ratios are from IRDAI Annual Reports. Finzony is not an insurance broker or agent. Verify all details on the official Aditya Birla Health Insurance website before purchasing.
Contact Details
1800 270 7000
Headquarters: 9th Floor, Tower 1, One World Centre, Jupiter Mills Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai – 400013, Maharashtra, India.
The aforementioned ratios have been averaged over three years (FY24-FY26)
Provides fixed-benefit protection for listed critical illnesses with Sum Insured options including ₹10L, ₹15L, ₹20L and ₹25L.
Initial waiting period and survival period apply.
Optional fixed-benefit protection is available for accidental death and specified permanent disabilities.
Sum Insured options are subject to product terms.
Provides eligible two-way travel fare up to ₹50,000 when hospitalization exceeds 10 days at a non-home location.
Available only when the optional cover is selected and conditions are met.
Yes, diabetes is one of the listed chronic conditions eligible for the Chronic Care Day 1 benefit, subject to the applicable policy conditions.
Yes, hypertension is included among the listed chronic conditions eligible for Day 1 inpatient coverage under Chronic Care, subject to the product terms.
The standard pre-existing disease waiting period is 3 years. An optional cover may reduce it to 2 years or 1 year.
The standard specific disease and procedure waiting period is 2 years. The applicable optional cover can reduce it to 1 year.
The standard initial waiting period is 30 days, excluding accidental hospitalization and benefits that specifically waive the waiting period.
HealthReturns rewards eligible healthy behaviour and can provide rewards of up to 100% of the premium, subject to the applicable health assessment and policy rules.
Super Reload refills the Base Sum Insured from the second claim onwards and can be used unlimited times as provided under the policy.
Super Credit can add 50% of the Base Sum Insured each year up to 100% of the Base Sum Insured, subject to the maximum applicable under the benefit.
Yes, eligible day care treatments are covered up to the applicable Sum Insured.
Yes, eligible Home Health Care expenses are included under the product benefit structure, subject to policy conditions.
Yes, eligible domiciliary hospitalization is included subject to the definitions and conditions of the policy.
Yes, eligible AYUSH treatment is covered up to the applicable Sum Insured, subject to policy conditions.
Yes. The optional Reduction in Pre-Existing Disease Waiting Period cover can reduce the standard 3-year period to 2 years or 1 year.
Yes. The optional cover can reduce the standard 2-year specific disease waiting period to 1 year.
No. Critical Illness Cover is an optional benefit and has its own waiting period and survival-period conditions.
Yes. Personal Accident Cover is available as an optional fixed-benefit cover, subject to the applicable Sum Insured and policy conditions.
There is no maximum entry age for adults under the stated eligibility conditions. Dependent children can be covered from 91 days to 25 years under the applicable floater or multi-individual structure.