Aditya Birla
Activ One VIP
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.
What's good here?
Extended coverage
The plan offers international coverage for emergency treatments up to 15 or 45 days per trip for unlimited trips each policy year. Along with this, one gets maternity coverage under this plan up to specified amount based on the cover amount chosen after a 2 years of maternity waiting period.
The plan offers international coverage for emergency treatments up to 15 or 45 days per trip for unlimited trips each policy year. Along with this, one gets maternity coverage under this plan up to specified amount based on the cover amount chosen after a 2 years of maternity waiting period.
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.
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.
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.
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.
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.
Maternity benefits offered
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.
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.
Reasonable waiting period for pre-existing diseases
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.
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!!!
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.
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.
What's bad here?
Doctor consultations are not covered
TODO
TODO
What's lacking here?
No Bonus for being healthy and not claiming insurance
Some policies offer you extra cover if you go an entire year without claiming your insurance. This policy, however, offers no such benefit.
Some policies offer you extra cover if you go an entire year without claiming your insurance. This policy, however, offers no such benefit.
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.
Durable Equipment Cover
With this add-on, the insurance company will cover the cost of durable items like Ventilator, Wheelchair, Prosthetic device, Suction Machine, etc up to 5L or base sum insured; whichever is lower.
Tele-OPD Consultation
With this add-on, the insurance company provides coverage for teleconsultation from network facilities.
Reduction in PED
This optional cover reduces the applicable pre-existing waiting period from 36 months to either 24 months or 12 months. If you are currently diagnosed with any condition and want to reduce the waiting period, it makes sense to opt for this add-on.
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.
Reduction in Specific Illness Waiting Period
With this add-on, the insurance company reduces the Specific Illness Waiting Period from 2 years to 1 year.
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.
Cancer Booster
With this add-on, the insurance company will give additional coverage up to 100% of Sum Insured for medical expenses linked to Cancer of Specified Severity.
Extended International Cover
With this add-on, the insurance company extends the scope of international coverage to USA and Canada for Emergency treatments only.
Frequently Asked Questions
Talk to IRDAI-certified experts
Health is tricky, and insurance trickier. But we’ll simplify it for you - for FREE! Book a call now. Limited slots available.