Activ One VYTL

Overview

Aditya Birla Activ One VYTL is a special variant in the Active One series offered by Aditya Birla Health Insurance Co. Ltd. It provides day 1 coverage for 7 chronic illnesses, including diabetes, hypertension, asthma, hyperlipidaemia, COPD, obesity and coronary artery disease. It also includes coverage for OPD consultations and diagnostic tests for these PEDs. It’s a good choice for anyone living with any one of these common conditions.
 

The plan also offers extensive benefits such as, no cap on hospitalisation expenses, cumulative guaranteed bonus, unlimited restorations and coverage for non-medical items.
 

Get day 1 cover for certain PEDs with Chronic Care feature

Chronic Care feature gives you day 1 coverage for certain pre-existing conditions. These health conditions include Asthma, Hypertension, Hyperlipidaemia, Diabetes, Chronic Obstructive Pulmonary Disease (COPD), Obesity and Coronary Artery Disease with PTCA.

Get OPD cover for chronic health issues with Chronic Management Program (OPD)

Chronic Management Program provides coverage for OPD consultations and diagnostic tests for listed chronic health conditions, provided you declare them as PEDs at policy purchase. You can avail this facility on a cashless basis at the insurer’s network provider centres.

Pick any room of your choice

The plan covers inpatient hospitalisation expenses up to the sum insured. It does not impose a room rent restriction. Pick any room you like during hospitalisation. The insurer covers the cost fully.

Pre and post-hospitalisation expenses cover available

The plan covers hospitalisation-related medical expenses for up to 90 days before and 180 days after hospitalisation. These include consultation fees, diagnostic tests, medication and other related expenses.

Road ambulance charges covered

The insurer covers road ambulance charges up to the sum insured.

Includes cover for daycare procedures

Many advanced surgeries or procedures done under anesthesia now require less than 24 hour hospitalisation. These are called day care treatments. Your insurer fully covers the cost of such procedures up to sum insured.

Get cover for alternative treatments

Want to take an alternative treatment like Ayurveda or Homeopathy? Don’t worry. Your insurer fully covers your hospitalisation and related expenses.

Organ donor expenses covered

If you are an organ recipient, your insurer will cover the hospitalisation expenses of the organ donor for harvesting the donated organ.

Covers HIV/ AIDS and STD

The plan covers expenses related to treatment of any complication arising due to AIDS/ HIV and sexually transmitted diseases.

Get cover even if you are forced to be hospitalised at home

Are you forced to be hospitalised at home? Imagine this. No beds are available in the hospital or the patient’s medical condition does not allow him to be moved to a hospital. This is called domiciliary hospitalisation. Your insurance policy covers the cost of hospitalisation if it happens for at least 3 consecutive days under the supervision of a medical practitioner.

Covers mental health and related hospitalisation expenses

You get cover for any treatment related to stress, anxiety, depression or any illness impacting mental health.

Get guaranteed cumulative bonus with Super Credit

Super Credit feature gets you a 50% cumulative bonus every year up to a maximum of 100% sum insured, irrespective of claims.

Unlimited restorations of sum insured available

Even if you claim a part of your base cover, you don’t have to worry about the coverage for future claims. The insurer restores your full sum insured for all future claims unlimited times during a policy year. This feature comes in handy if you make multiple claims during a policy year.

Get up to 100% discount on renewal premiums

Stay healthy and earn HealthReturns from your insurer. You can use these HealthReturns to pay for OPD expenses, deductibles, non-payable items or get up to a 100% discount on renewal premiums. HealthReturns earned in a policy year, if not utilised, will automatically get adjusted towards the next renewal premium.

Get coverage for non-medical items

Get coverage for the cost of non-medical items such as masks, gloves, syringes, and others. The cost of such items is 10% to 20% of every health claim. This is an inbuilt benefit and does not require extra premium.

Get free annual health check-ups

Get a health check-up every year to monitor your health. Health check-ups can only be taken on a cashless basis at network centres via pre-booking through the insurer’s app.

Option to reduce waiting periods to 1 year with an add-on

With this add-on, reduce the waiting period on PEDs or specified diseases to 1 year.

Option to add critical illness cover

With Critical Illness add-on, you get coverage for 20 listed critical illnesses. The insurer pays you a fixed lump sum benefit amount in case you are diagnosed with any of the 20 listed critical illnesses when the policy cover is active. This cover includes an initial waiting period of 60 days and a survival period of 15 days for the benefit to be paid.

Option to add personal accident cover

Personal accident add-on covers you against the risk of accident. The insurer pays you a fixed lump sum benefit in case of death or partial or total disability due to an accident.

Annual screenings for cancer-diagnosed patients available

With this add-on, get an annual screening package of up to Rs 10,000 per year in case you are diagnosed with cancer of specified severity. The amount can be utilised to cover medically prescribed diagnostics for cancer patients. This benefit is only available on a cashless basis.

Get cover for Compassionate Visit with an add-on

In case the hospitalisation exceeds 10 consecutive days, Compassionate Visit add-on covers the cost of travel expenses of an immediate family member to visit the patient. This includes the cost of a 2-way economy class air ticket, up to a maximum of Rs. 50,000.

Get Second Medical Opinion cover

With this add-on, you get access to a second medical opinion from a medical practitioner in case of a major illness. This benefit can be availed once in a policy year at an eligible network provider.

Add Per Claim Deductible to reduce premium

If you want to reduce your premium, add a small deductible. Choose this add-on with caution, as you need to pay the deductible amount for every claim upfront for policy benefits to kick in. Deductible options of Rs. 15,000 and Rs. 25,000 are available.

Add Preferred Network Provider (PPN) discount

Adding the preferred provider network gets you a 10% straight discount on the premium. However, any claim outside the PPN network incurs a 10% copayment.

Modify room category

If you want to make the plan affordable, choose a lower room category, such as a single private room or a shared accommodation.

Policy Conditions

About the Insurer

Aditya Birla Health Insurance Co. Ltd. is a stand-alone health insurance company in India. It is a collaboration between Aditya Birla Capital, an Aditya Birla Group company, and Momentum Group Ltd. of South Africa. The company started operations in 2016. The company offers specialised health insurance products covering individuals, families, and senior citizens.

The insurer grew at a fast pace in the last few years, emerging as a trusted provider in the health insurance space. It had a respectable claim settlement ratio of 95.61% in the financial year 2024. However, the worrisome fact is that it received a relatively high number of claim-related complaints, 22 per 10,000 claims.

Performance Highlights (FY24)

Turnover – Rs. 3,701 Crore

Claim Settlement Ratio – 95.61%

Incurred Claim Ratio – 68%

Volume of Claim Complaints – 22

Network Hospitals – 11,000+