Overview
Aditya Birla’s Activ One VIP plan is a premium health insurance offering that builds upon the features of the Activ One MAX base plan. It includes maternity coverage and international treatment benefits (excluding the USA and Canada), alongside unlimited Super Reload for restoration, HealthReturns. While offering robust protection, the plan's higher premiums may only be worth it for those explicitly seeking maternity or global healthcare coverage. Coverage options extend up to ₹6 crores.
Experts Review
Written by Nikhil Nair
Senior Writer
The Activ One VIP plan is positioned as a premium variant within Aditya Birla’s Activ One series, offering several upgrades over the MAX base plan. The plan also provides international coverage for emergency treatments up to 15 or 45 days per trip. This benefit can be availed for unlimited trips each policy year. In addition, the Activ One VIP policy equips you with maternity coverage up to a specified amount that is based on the cover amount chosen after the 2 years of maternity waiting period. One thing to note here is that the coverage for treatments within India and abroad is different.
Core features like unlimited Super Reload ensure uninterrupted coverage during multiple claims, while HealthReturns incentivize fitness by allowing policyholders to earn back up to 100% of their premium through active lifestyle tracking. However, the added premiums for maternity and international coverage may not justify the cost for those who do not require these specific benefits. The pre-existing disease waiting period remains at 3 years, and loyalty bonuses available in higher variants like VIP+ are missing here. Policyholders should carefully assess whether these additional features align with their healthcare needs.
Pros
Feature set is satisfactory.
Premiums are relatively well priced.
Insurer has a solid track record with great claim and service metrics.
Cons
No Bonus for being healthy and not claiming insurance, which is a notable gap.
Doctor consultations are not covered, which could be a drawback for some. Need to opt add-on for doctor consultations.
Aditya Birla
Key Insights
Founded
2016
Aditya Birla was established 9 years ago, making it a relatively new entrant with a developing track record.
Claims Experience
95% claims settled in 30 Days
Aditya Birla settles 95% of all claims it receives demonstrating strong credibility.
Network Hospitals
12,000+
Aditya Birla has a strong network with over 12,000 hospitals, ensuring wide accessibility and convenience for policyholders.
Complaints
22 complaints per 10,000 claims registered
Aditya Birla experiences a moderate number of complaints, indicating room for improvement in addressing customer concerns.
Features
All
Great
Good
Maternity
STANDOUT
The insurer will also cover expenses related to maternity— Think hospitalization expenses incurred while giving birth. But they’ll only pay upto ₹1,00,000 and make you wait 2 years before covering this expense. Also, you’ll only get the benefits if both, you and your spouse are enrolled in a single-family floater plan.
Co-payment
The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny. Meaning this policy has no co-payment.
Room Rent
Shared room, single room, deluxe room or any room that’s available. The insurer won’t nitpick on your choice of room since the policy has no restrictions on room rent.
Disease sub-limit
No funny business here. If your insurer hasn’t explicitly stated they won’t cover a certain illness, you can claim the full amount up to the sum insured, irrespective of the disease you’re dealing with. Meaning this policy doesn't impose the dreaded disease wise sub-limits.
Pre existing diseases waiting
If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after you wait for 3 years.
Customisable
For any illness: Pre existing disease waiting period is modified/reduced from 3 years to 2 years and 1 year.
Add-ons
Reduction in PED
Recommended
For any illness: Pre existing disease waiting period is modified/reduced from 3 years to 2 years and 1 year.
Critical Illness
Paid out as a lump sum amount for Critical illnesses between Rs. 10 lakhs to Rs. 50 lakhs based on the cover chosen.
Personal Accident Cover
Paid out as a lump sum amount for Accidental Death, Total Permanent Disability, Permanent Partial Disability between Rs. 10 lakhs to Rs. 50 lakhs based on the cover chosen.
Compassionate Visit
Lump sum of Rs. 50,000 for a policy year, covering 1 family member, if hospitalization exceeds 10 days
Tele-OPD Consultation
Each insured member can get unlimited e-consultations from General Physicians.
Cancer Booster
Get additional coverage up to 100% of Sum Insured for medical expenses linked to Cancer of Specified Severity.
Extended International Cover
Extends the scope of international coverage to USA and Canada for Emergency treatments only.
Second Medical Opinion
Get second medical opinion for listed 27 major illnesses from doctors & experts from the network facilities.
Annual Screening Package for Cancer diagnosed Patients
Get pay out for medical expenses done on annual screening package for people diagnosed with Cancer, provided the conditions required are met up to defined limits on a reimburesement basis.
Reduction in Specific Illness Waiting Period
Reduces the Specific Illness Waiting Period from 2 years to 1 year.
Durable Equipment Cover
Covers the cost of durable items like Ventilator, Wheelchair, Prosthetic device, Suction Machine, etc up to 5L or base sum insured; whichever is lower.
Vaccine Cover
Get coverage against vaccination for diseases declared as pandemic or epidemic up to specified limits per insured person.
Permanent Exclusions
Conditions or treatments that the policy clearly says it will not cover.
Treatment involving Rotational Field Quantum Magnetic Resonance (RFQMR), External Counter Pulsation (ECP), Enhanced External Counter Pulsation (EECP), Hyperbaric Oxygen Therapy, KTP Laser Surgeries, Cyber Knife Treatment, Femto Laser Surgeries, Bioabsorbable Stents, Bioabsorbable Valves, Bioabsorbable Implants. Use of Radio Frequency (RF) probe for ablation.
Expenses related to any admission primarily for diagnostics and evaluation purposes are excluded.
Diagnostic expenses not related or incidental to current diagnosis and treatment are excluded.
Expenses for admission primarily for bed rest and not for treatment are excluded.
Custodial care at home or in a facility for help with daily activities is excluded.
Disclaimer: For illustration purposes only - exact terms are in the policy wording.
Specific Illness
The following illnesses are not covered under the policy for 2 years.
Cataract
Glaucoma
Refractive Error Correction
Sinusitis
Rhinitis
Waiting Period
30 days Initial waiting period
2 years Specific illness waiting period
3 years Pre-existing disease waiting periodCustomisable
Ditto's Take
◦ Excellent ◦
Waiting periods on this policy are excellent. This policy also further allows to reduce the PED waiting period to 2 years and 1 year for all diseases.
What's missing in the policy
No Bonus for being healthy and not claiming insurance.
Doctor consultations are not covered. Need to opt add-on for doctor consultations.
Customer Reviews
N
Nisha A.
Maternity coverage is a big plus in the VIP plan. We are planning for a baby, and this is perfect.
R
Rahul T.
International treatment cover (excluding USA/Canada) is great for us as we travel in Asia and Europe often.
M
Meera S.
Unlimited Super Reload is fantastic! And HealthReturns up to 100% is a superb incentive.
M
Mohan C.
Loyalty bonuses are missing, which are there in some other high-end plans from them.
A
Alok J.
Premium is quite high. If you don't need maternity or frequent international (non-US/Canada) treatment, MAX might be better.
B
Ben G.
The combination of health benefits and travel related medical cover is just what I was looking for.
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Frequently Asked Questions
Does Activ One VIP have waiting periods?
- 30-Day Waiting Period: Hospitalizations won’t be covered for the first 30 days of the policy unless it’s an accident.
- Specific Illness Waiting Period: There’s a 2-year waiting period for a list of diseases which is a mandate before you can start claiming.
- Pre-Existing Disease Waiting Period: There's a 3-year waiting period for any pre-existing disease you may have while buying the policy.
- Maternity and Newborn Waiting Period: There’s a 2 waiting period before you can make claims related to pregnancy and childbirth.
Does Activ One VIP have room rent restrictions?
Does Activ One VIP offer a restoration benefit?
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