Insurance Plans Comparison
Aditya Birla Activ One Vytl vs Aditya Birla Active Fit Preferred
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
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Activ One Vytl
Health Insurance with Day 1 Chronic Disease Cover and Chronic Management Program
What Makes It Special:
Aditya Birla Activ One VYTL is a tailored health insurance plan designed for Vitality customers seeking all-round protection and wellness rewards. It offers extensive hospitalization cover, day care treatments, health returns, and chronic management benefits. With features like wellness coaching, annual health check-ups, and optional covers such as maternity and...
Best For:
Wellness-Focused Health Insurance
Chronic Care Management Plan
Rewards for Healthy Lifestyle
Customizable with Optional Covers
VS
Active Fit Preferred
Activ Fit Preferred
What Makes It Special:
Activ Fit Preferred combines hospitalization coverage with fitness rewards and maternity protection. It includes unlimited Binge Refill, HealthReturns and a maternity benefit over and above the base Sum Insured.
Best For:
Buyers wanting unlimited refill protection
Customers interested in fitness-linked rewards
Buyers planning for maternity
Younger families
Insurance Plans Comparison
Get Personalized Advice
Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.
Quick Decision Guide
Seeking health cover with wellness rewards
Want chronic illness management support
Prefer personalized health coaching benefits
Looking to earn HealthReturns regularly
Need flexibility with optional add-ons
OPD consultation requires the relevant optional cover.
Health returns depend on wellness activity and applicable policy conditions.
The maternity waiting period should be considered before purchase.
Maternity benefits are a key differentiator of this variant.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Activ One Vytl Health Insurance Plan VS VS |
Active Fit Preferred Health Insurance Plan |
| Room Rent |
|---|
Activ One Vytl All room categories are covered |
VS VS |
Active Fit Preferred Any room for sum insured 5 lakh and above. |
| ICU Charges |
|---|
Activ One Vytl No restriction on ICU room rent |
VS VS |
Active Fit Preferred No capping, covered up to sum insured. |
| Disease-wise sublimits |
|---|
Activ One Vytl No |
VS VS |
Active Fit Preferred No broad disease sublimit identified; subject to policy terms. |
| Co-payment |
|---|
Activ One Vytl Available as an option |
VS VS |
Active Fit Preferred No. |
| Restoration Benefit |
|---|
Activ One Vytl Yes, your sum insured restores to 100% unlimited times after your second claim, for both related and unrelated illnesses |
VS VS |
Active Fit Preferred Binge refill - 100% sum insured, unlimited times |
| Cashless Healthcare Providers |
|---|
Activ One Vytl 11000+ Healthcare Providers |
VS VS |
Active Fit Preferred 16,500 + current insurer network |
| Daycare Treatment |
|---|
Activ One Vytl Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
VS VS |
Active Fit Preferred All day care treatments covered up to sum insured. |
| Cumulative Bonus |
|---|
Activ One Vytl Your sum insured increases by 50% every year up to 100%, maximum 3cr |
VS VS |
Active Fit Preferred 10% per year, up to 100% |
| Consumable Cover |
|---|
Activ One Vytl Yes |
VS VS |
Active Fit Preferred Optional/subject to applicable cover |
| AYUSH Treatment |
|---|
Activ One Vytl Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
VS VS |
Active Fit Preferred Covered up to sum insured |
| Initial Waiting Period |
|---|
Activ One Vytl 30 days |
VS VS |
Active Fit Preferred 30 days |
| Specific Waiting Period |
|---|
Activ One Vytl 2 years |
VS VS |
Active Fit Preferred 24 months |
| PED Waiting Period |
|---|
Activ One Vytl 3 years |
VS VS |
Active Fit Preferred 48 months |
| Modern Treatment |
|---|
Activ One Vytl Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
VS VS |
Active Fit Preferred Covered up to sum insured. |
| Annual Health Checkup |
|---|
Activ One Vytl Health check-up is available from the first policy year |
VS VS |
Active Fit Preferred Once every policy year |
| Pre-Hospitalisation |
|---|
Activ One Vytl You get cover for medical tests and doctor visits up to 90 days before hospitalisation, if your main claim is approved |
VS VS |
Active Fit Preferred 90 days |
| Post-Hospitalisation |
|---|
Activ One Vytl You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it |
VS VS |
Active Fit Preferred 180 days |
| Outpatient Department Cover (OPD Expense) |
|---|
Activ One Vytl OPD expense is not included |
VS VS |
Active Fit Preferred Optional cover |
| Deductible Option |
|---|
Activ One Vytl Available as an option |
VS VS |
Active Fit Preferred Not established as a standard inbuilt benefit |
| Coverage Options |
|---|
Activ One Vytl Available coverage options: ₹5L, ₹7L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr and ₹2 Cr |
VS VS |
Active Fit Preferred Individual, multi-individual, family floater structure as applicable. |
| Claim Settlement Ratio |
|---|
Activ One Vytl 96% |
VS VS |
Active Fit Preferred 97% |
| Maternity Cover |
|---|
Activ One Vytl Not available |
VS VS |
Active Fit Preferred Yes, 40,000 normal/60,000 C-section. |
Insurance Plans Comparison
Still Confused? Get Expert Advice
Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.
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24/7 Claim Assistance
Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support
What Our Experts Help You With
Personalised Recommendations
Every suggestion is backed by expert analysis of your life stage, goals, and budget
Expert-Led Policy Review
We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later
Smart, Tech-Enabled Experience
From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free
Insurance Plans Comparison
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Maternity Health Plan
Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs
Insurance Plans Comparison
Frequently Asked Questions (FAQs)
Having questions? We've got answers. Explore our FAQs to find the information you need.
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