आदित्य बिरला हेल्थ इंश्योरेंस कंपनी लिमिटेड

आदित्य बिरला हेल्थ इंश्योरेंस कंपनी लिमिटेड

ACTIV ONE VYTL

100% Health. 100% Health Insurance.
Your health and its care is vital, even more so if you have a lifestyle condition. With the Activ One VYTL Health Insurance plan from Aditya Birla Health Insurance, we don’t just offer financial protection — we offer you a health management system that supports you in your health journey while providing you a health insurance best suited for your conditions.
Premium for Activ One VYTL starting at
₹7,111* /annum

UNIQUE FEATURES OF THE ACTIV ONE VYTL PLAN

UNDERSTAND ACTIV ONE VYTL PLAN BETTER

Entry Age(Adult)Minimum - 18 Years, Maximum - No capping
Entry Age (Child)Dependent Child (Floater / Multi Individual) - 91 Days to 25 Years
Individual – minimum age of entry - 5 Years
पॉलिसी के प्रकारIndividual & Family Floater
अवधि1 / 2 / 3 Years
Family DefinitionUp to 2 Adults, 4 Children
Relationship Coveredव्यक्तिगत:
Self, legally married spouse or live-in partner (same or opposite sex), son, daughter, brother,sister, grandson, granddaughter, son-in-law, daughter-in-law, brother-in-law, sister-in-law, nephew, niece, parents and parents-in-law
Floater:
Self, legally married spouse or live-in partner(same or opposite sex), dependent Children(Natural / legally adopted), parents and parents-in-law
Waiting period for other conditions except the listed conditions under Activ One VYTL plan.
Pre-Existing Diseases Waiting Period3 वर्ष
Specific Diseases Waiting Period2 वर्ष
Initial Waiting Period (Excluding Accidental Hospitalization)30 दिन

1 Investigation & Evaluation (Excl-04)

Expenses solely for diagnostic evaluation; Non-related diagnostic expenses not incidental to current treatment

2 Rest, Cure, Rehabilitation and Respite Care (Code- Excl05)

Expenses for enforced bed rest admissions; Custodial care for daily living; Services for terminally ill individuals' needs.

3 Obesity/ Weight Control (Code- Excl06)

Self-initiated obesity surgery without the advice of a doctor; Inclusion criteria for surgery: BMI ≥ 40, age > 18, clinical-protocol supported surgery; BMI 35+ with comorbidities like severe sleep apnea, coronary heart disease, Obesity-related cardiomyopathy, uncontrolled Type-2 Diabetes Mellitus covered after failed non-invasive weight loss methods.

4 Change-of-Gender treatments (Code- Excl07)

Expenses for changing body characteristics to opposite sex

5 Cosmetic or plastic Surgery (Code- Excl08)

Cosmetic/plastic surgery unless for reconstruction after Accident, Burn, Cancer, or to remove immediate health risk, certified by Medical Practitioner.

6 Hazardous or Adventure sports (Code- Excl09)

Treatment due to participation in hazardous/adventure sports, e.g., mountaineering, scuba diving, motor racing; Not limited to specified activities.

7 Breach of law (Code- Excl10)

Treatment resulting from Insured Person's criminal acts.

8 Excluded Providers (Code- Excl11)

Treatment from providers listed on website; Emergency care paid till stabilization, not full claim.

9 Treatment for, Alcoholism, drug or substance abuse or any addictive condition (Code- Excl12)

10 Treatments received in health hydros, nature cure clinics, spas or similar establishments (Code- Excl13)

11 Dietary supplements and substances (Code- Excl14)

Over-the-counter dietary supplements; Exceptions for prescribed supplements during hospitalization or day care

12 Refractive Error (Code- Excl15)

Treatment for refractive error < 7.5 dioptres

13 Unproven Treatments (Code- Excl16)

Unproven treatments, services, supplies lacking medical documentation

14 Sterility and Infertility (Code- Excl17)

Expenses for sterility, infertility treatments, contraception, assisted reproduction, gestational surrogacy, sterilization reversal.

15 Maternity Expenses (Code- Excl18)

Childbirth-related medical expenses (except ectopic pregnancy); Miscarriage expenses (unless due to accident) and lawful pregnancy termination.

16 Circumstantial Exclusion

Any illness or injury due to war, rebellion, armed resistance, acts of terrorism and nuclear or radiological emissions.

17 Behavioural Exclusions

Suicide/self-harm, illegal acts, injury from alcohol/intoxicating substance use, and non-prescription drug use.

18 Medical Exclusions

  • Routine exams and check-ups, except as specified in Annual Health Check-up terms.
  • Circumcisions, unless medically necessary or part of an illness or injury treatment plan.
  • Conditions treatable on an outpatient basis without hospitalization
  • Preventive care, vaccinations (except post bite), and physical/psychiatric/physiological examinations or testing
  • External Abnormalities to a new-born baby
  • Dental/oral treatment for natural teeth and gingiva, unless required during Hospitalization due to an Accident.
  • Any form of AYUSH treatment, unless expressly mentioned in the policy document.

19 Prosthesis and Devices Exclusion

Hearing aids, spectacles, wigs, prosthesis, medical equipment, and cochlear implants.

20 Non-Medical Expenses

Items listed in Annexure (I) Lists I, II, III, and IV are not covered unless they are part of in-patient hospitalization; this exemption does not apply if Claims Protect is included in the base benefit or opted as an optional cover* and specified in the Policy Schedule.

21 Activities and Profession Exclusions: Unrecognised Physician/Hospital

Treatment by unregistered practitioners, unlicensed and unauthorized practitioners' fees, and treatments by family members or resident practitioners without pre-approval.

22 Geographical Exclusion

भारत के बाहर लिया गया उपचार.

Note- ^For the complete list of exclusions and details, refer to policy terms and conditions.

*Refer to your Policy Schedule for the applicability of the cover

आदित्य बिरला हेल्थ इंश्योरेंस क्यों चुनें?

अधिक जानकारी के लिए, हमारे पॉलिसी डॉक्यूमेंट डाउनलोड करें

Our Other Health Insurance Plans

Looking for more answers? Check out our Health Insurance FAQs

No, Activ One does not have zone-wise co-payment.
For maternity benefits, we recommend considering our Activ Fit and Activ One VIP/VIP+ plans tailored for these needs.
The Super Reload of Sum Insured can be applied unlimited times each policy year.
If the sum insured is reduced at the time of renewal, the Super Credit will decrease proportionally to the new sum insured amount.
Any insured person aged 18 years and above at the start of the policy can avail a comprehensive health check-up each policy year.

हमारे ऐक्टिव हेल्थ ऐप के साथ फिट रहें

कदमों की संख्या से लेकर जिम के वर्कआउट सेशन तक - अपनी दैनिक फिज़िकल गतिविधि को ट्रैक करें
अपना हेल्थ चेक-अप बुक करें
अपने हेल्थ रिकॉर्ड स्टोर करें
अपने प्रीमियम का 30% तक वापस पाने के लिए HealthReturns™ को अर्जित और ट्रैक करें
अपने क्षेत्र में डॉक्टर, डायग्नोस्टिक सेंटर और फार्मेसी खोजें