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Aditya Birla

Aditya Birla

Activ One VYTL

Activ One VYTL is a comprehensive variant within the Activ One policy series. You get all the benefits you get with Active One Max (the base plan) and day-1 coverage for 7 conditions including common lifestyle diseases like Diabetes Mellitus and Hypertension. You also get coverage for certain diagnostic tests as specified in the application and if you are somebody with a lifestyle condition listed in the policy document, this product could be an excellent fit.

What's good here?

special mention
🎉Special Mention

Chronic Care Program

With this benefit, the plan provides Day 1 coverage for hospitalization related to Asthma, Hypertension, Hyperlipidemia, Diabetes mellitus, Chronic Obstructive Pulmonary Disease (COPD) Obesity, Coronary Artery Disease (PTCA done prior to 1 yr).

coPay

You’ll never have to split the bill

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.

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diseaseSublimit

You always have full cover irrespective of the disease

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.

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prePost

Pre & Post hospitalization expenses covered

No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount in full for a pretty reasonable duration - 90 days before you are hospitalized and 180 days after discharge. This includes the cost of medication by the way.

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dayCare

Day Care treatments covered

If you’re hospitalized for less than 24 hours in lieu of a minor procedure, then the insurer will cover these costs too. Think dialysis, chemotherapy or minor surgeries.

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healthCheckup

Free Health Checkups every year

If you’re planning on getting a full body checkup every year just to make sure you’re in fine working condition, the insurer will cover the costs.

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ayush

Covers Alternative Medicine

Think of getting Ayurvedic, Homeopathic or other alternative treatments to cure an illness? Your insurer will cover you fully, up to the sum insured.

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roomRent

You can pick any room you like

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.

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ped

Reasonable waiting period for pre-existing diseases

If you are already dealing with Asthma, Hypertension, Hyperlipidemia, Diabetes mellitus, Chronic Obstructive Pulmonary Disease (COPD), Obesity, or Coronary Artery Disease (PTCA done prior to 1 yr), then the insurer will cover you from day 1. However, if you are dealing with other pre-existing diseases including thyroid, kidney stones, etc., then you’ll have to wait 3 years before they start covering these complications.

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restoration

Unlimited Restoration Benefit

Even after you claim part of the cover on one occasion, you will be allowed to claim the full cover any number of times repeatedly if you are hospitalized in the future. All in the same year by the way!!!

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ncb

Special bonus for renewing the policy

Your sum insured increases by 50% each year irrespective of your claim status in the current year. However, the sum insured keeps increasing as long as the Loyalty benefit sum insured reaches 100% of the sum insured; with a maximum capping of up to 3Cr.

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domiciliary

Full coverage even if you are forced to hospitalize at home

The insurer will bear the costs even if you are hospitalized at home due to a condition or the hospital running out of beds. In insurance lingo, they call this a policy with domiciliary cover.

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opd

Doctor consultations covered

The insurer provides coverage for outpatient and e-consultations for listed conditions already diagnosed as PEDs i.e. doctor visits from network facilities on cashless basis only.

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Add-ons

Critical Illness

With this add-on you get a lumpsum payment in the event you are diagnosed with critical illnesses outlined in the policy document.

Compassionate Visit

With this add-on, the insurance company covers the cost of 2-way economy class air ticket or travel fare max up to ₹50k if hospitalization exceeds 10 days.

Annual Screening Package for Cancer diagnosed Patients

With this add-on, the insurance company pays 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.

Per Claim Deductible

With this, the insurance company reduces the premiums you must pay for the plan. But remember, if you ever have to make a claim, then you’ll be expected to pay a sum before the insurance company settles the claim. This amount is called the deductible. So if you want to buy a policy at a better price, you can opt to pay a higher deductible i.e. you can pay lower premiums by offering to pay a sum (a deductible) everytime a claim comes up.

Tele-OPD Consultation

With this add-on, the insurance company provides coverage for teleconsultation from network facilities.

Personal Accident cover

With this add-on, the insurance company will payout a lumpsum amount based on the cover chosen, in case the selected insured member encounters total or partial disablement or accidental death.

Second Medical Opinion

With this add-on, the insurance company provides second medical opinion for listed 27 major illnesses from doctors & experts from the network facilities.

Room Rent Modifier

With this add-on, the insurance company modifies the room rent restriction from any room to either a Single Private room or Shared Accommodation.

Vaccine Cover

With this add-on, the insurance company provides coverage against vaccination for diseases declared as pandemic or epidemic up to specified limits per insured person.

Chronic Care Restriction

With this, the insurance company reduces the premiums, restricts the Day 1 coverage for listed ailments, and imposes 3 years of PED waiting periods.

Frequently Asked Questions

Yes. Activ One VYTL imposes 4 kinds of 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.
  • No waiting period for illnesses and conditions arising out of Asthma, Hypertension, Hyperlipidemia, Diabetes mellitus, Chronic Obstructive Pulmonary Disease (COPD), Obesity, Coronary Artery Disease (PTCA done prior to 1 yr).
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