*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
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Aditya Birla Activ One is a unique health insurance plan that offers day 1 coverage for 7 chronic conditions, including high blood pressure, diabetes and asthma. It provides comprehensive coverage for hospitalization expenses, mental illness, home health care, HIV/ AIDS, STDs and obesity, along with an OPD chronic management program. The plan also comes with attractive benefits, such as a 100% HealthReturns benefit, claim protect benefit, super credit benefit, super reload benefit, etc.
|Rs 2 lakh to Rs 6 crore
|1 year, 2 years, 3 years
|NXT, MAX and VYTL
|Incurred Claim Ratio (2021-22)
|Pre-Policy Medical Check-ups
|May be required
|Pre-existing Diseases Waiting Period
|3 years/ 4 years
|10% PPN discount*
|10% on availing treatments at non-PPN hospitals*
*In the case of 'PPN Discount' optional cover only
Take a look at the key benefits of purchasing an Aditya Birla Activ One plan:
Day 1 Coverage for 7 Chronic Diseases
This Aditya Birla health insurance policy offers coverage for 7 chronic diseases from day 1 of the policy under the Chronic Care benefit. These chronic diseases include diabetes, obesity, high blood pressure, Coronary Artery Disease (CAD), asthma, high cholesterol and chronic obstructive pulmonary disease.
100% Discount on Renewal Premiums
Policyholders can avail a 100% health insurance discount on renewal premiums by achieving a healthy heart score and at least 325 active days in a year under the HealthReturns benefit.
With the Super Reload benefit, the insured can restore the sum insured amount by 100% unlimited times a year if the original amount gets exhausted due to one or more claims.
Annual Health Check-up
This health insurance policy comes with a comprehensive health check-up benefit that can be availed by the insured once a year at a network provider of the Aditya Birla Health Insurance Company.
People also read: Annual Health Check-ups in Health Insurance: All You Need to Know
With the Super Credit benefit, policyholders can increase their sum insured amount by a fixed percentage during renewals, even if a claim was raised in the previous policy year.
Unlike most health insurance plans, the Aditya Birla Activ One plan does not have sub-limits on hospitalization expenses, procedures and benefits, allowing policyholders to claim up to the sum insured amount.
Health Management Programv
Policyholders can avail the benefits of an in-built health management program that includes the digital health assessment, physical health assessment and HealthReturns benefit.
Under Section 80D of the Income Tax Act, the insured can avail tax benefits on the premium paid to buy the Aditya Birla Activ One policy.
Check out the eligibility criteria to buy an Aditya Birla Activ One plan:
|Minimum Entry Age
|Adult 18 years
Child 91 days
|Maximum Entry Age
|Adult No age limit
Child 25 years
|Individual/ Family Floater
The Aditya Birla Activ One plan includes the following coverage:
The following medical expenses are excluded under the Aditya Birla Activ One plan:
Take a look at the waiting periods applicable to the Aditya Birla Activ One plan:
|Initial Waiting Period
|Specific Illness Waiting Period
|Pre-existing Disease Waiting Period
|3 years/ 4 years
|Critical Illness Disease Waiting Period
Ans: The Aditya Birla Activ One plan covers in-patient dental treatments medically necessitated due to an injury or illness.
Ans: You can check the Aditya Birla Activ One plan cost by using a health insurance premium calculator before buying. The calculator is available on Policybazaar.com free of cost.
Ans: The Aditya Birla Activ One plan covers the cost of plastic surgery if required due to an injury or an illness.
Ans: The insurance company will settle any claim raised under the Aditya Birla Activ One plan within 30 days of receiving all the documents.
Ans: Yes. You can pay the premium for the Aditya Birla Activ One plan in monthly, quarterly and half-yearly instalments.
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