Insurance Plans Comparison
Aditya Birla Activ One Vytl vs Niva Bupa HeartBeat Platinum
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreActiv 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
HeartBeat Platinum
Niva Bupa Heartbeat Platinum Plan Health cover from ₹15 lakh to ₹1 crore with OPD benefits, maternity cover, international emergency protection and up to 100% Loyalty Additions.
What Makes It Special:
Premium family health insurance with OPD benefits, international emergency coverage, maternity and newborn benefits, annual health check-ups, a 24-month pre-existing disease waiting period and Loyalty Additions of up to 100%.
Best For:
Customers who value additional benefits beyond hospitalisation: Platinum includes annual health check-ups, second medical opinions for specified conditions or procedures, Loyalty Additions and a Re-fill benefit.
People who want international emergency protection: The plan includes specified international emergency benefits, with an optional enhanced geographical scope for the USA and Canada.
Couples planning to have children: Eligible policy structures include maternity benefits, newborn cover and first-year vaccinations, subject to waiting periods and limits.
People who use outpatient healthcare regularly: The plan includes OPD treatment, diagnostic tests and prescribed medicines within the applicable annual limit.
Families seeking higher health cover: Platinum offers Individual/Family Floater Sum Insured options from ₹15 lakh to ₹1 crore, helping families plan for potentially expensive hospitalisation.
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
Compare optional costs and policy limits: Evaluate deductibles, voluntary co-payment, room eligibility, disease sublimits and the Re-fill conditions. A lower premium may mean paying more out of pocket when making a claim.
Choose your geographical coverage carefully: Review Zone 1 and Zone 2 pricing and understand where the 20% co-payment applies. If international protection matters, check the optional USA and Canada geographical enhancement and its exclusions.
Read the maternity and newborn conditions: Check the applicable waiting period, maternity limit, eligible policy structure and newborn benefits before choosing the plan.
Calculate your likely OPD expenses: Compare the annual OPD limit with your expected spending on consultations, diagnostics and prescribed medicines. Review the carry-forward conditions and eligible expenses in the policy wording.
Select the right Sum Insured: Compare ₹15 lakh, ₹20 lakh, ₹50 lakh and ₹1 crore options against your family's medical needs, location and budget. Family First Platinum uses a different per-person and floater structure.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Activ One Vytl Health Insurance Plan VS VS |
HeartBeat Platinum Health Insurance Plan |
| Room Rent |
|---|
Activ One Vytl All room categories are covered |
VS VS |
HeartBeat Platinum Covered up to Sum Insured for eligible room categories, excluding Suite or higher categories. |
| ICU Charges |
|---|
Activ One Vytl No restriction on ICU room rent |
VS VS |
HeartBeat Platinum Covered up to Sum Insured as part of inpatient care, subject to policy terms. |
| Disease-wise sublimits |
|---|
Activ One Vytl No |
VS VS |
HeartBeat Platinum HIV/AIDS: up to ₹50,000 after a 4-year waiting period. Mental disorder treatment: covered up to SI, with a ₹50,000 sublimit for specified conditions after a 3-year waiting period. Maternity limits apply as listed above. Non-network emergency ambulance: up to ₹2,000 per event; network ambulance: up to SI. |
| Co-payment |
|---|
Activ One Vytl Available as an option |
VS VS |
HeartBeat Platinum No mandatory co-payment with Zone 1 pricing, which offers all-India coverage. Under Zone 2 pricing, a 20% co-payment applies to treatment in Mumbai, including Navi Mumbai and Thane, Delhi NCR, Kolkata and Gujarat. Optional voluntary co-payment of 10% or 20% is available for a premium discount. |
| 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 |
HeartBeat Platinum Re-fill Benefit: once per policy year, up to 100% of Base SI when Base SI and Loyalty Additions are partly or fully used. It can be used for subsequent claims for the same or a different illness, subject to policy conditions. The benefit is not available under Family First. |
| Cashless Healthcare Providers |
|---|
Activ One Vytl 11000+ Healthcare Providers |
VS VS |
HeartBeat Platinum Cashless treatment is available at Niva Bupa network hospitals. The HeartBeat brochure refers to 10,000+ hospitals, an approximate network figure. Niva Bupa also advertises a 30-minute cashless pre-authorisation commitment, subject to the applicable process and required documents. |
| Daycare Treatment |
|---|
Activ One Vytl Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
VS VS |
HeartBeat Platinum All eligible day-care treatments are covered up to Sum Insured, subject to policy terms. |
| Cumulative Bonus |
|---|
Activ One Vytl Your sum insured increases by 50% every year up to 100%, maximum 3cr |
VS VS |
HeartBeat Platinum Loyalty Additions increase the expiring Base Sum Insured by 10% at each renewal, up to a maximum of 100% of Base SI, irrespective of claims. The increase does not raise benefit sublimits |
| Consumable Cover |
|---|
Activ One Vytl Yes |
VS VS |
HeartBeat Platinum Allowable consumables during hospitalisation are covered. Items included in the applicable non-payable list are excluded. |
| AYUSH Treatment |
|---|
Activ One Vytl Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
VS VS |
HeartBeat Platinum Covers eligible inpatient treatment under Ayurveda, Unani, Siddha and Homeopathy up to Sum Insured, subject to policy terms. |
| Initial Waiting Period |
|---|
Activ One Vytl 30 days |
VS VS |
HeartBeat Platinum 30 days for illnesses. Accidents are covered from day one. The initial waiting period is waived for insured persons with 12 or more months of continuous coverage, subject to policy terms. |
| Specific Waiting Period |
|---|
Activ One Vytl 2 years |
VS VS |
HeartBeat Platinum 24 months for listed conditions such as cataract, hernia, joint replacement, piles and stones. This applies only to insured persons above 45 years at first policy inception. No specific waiting period applies to those aged 45 or below at entry. |
| PED Waiting Period |
|---|
Activ One Vytl 3 years |
VS VS |
HeartBeat Platinum 24 months of continuous coverage for declared pre-existing diseases. |
| 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 |
HeartBeat Platinum Covers 12 listed modern treatments, including robotic surgery, oral chemotherapy, immunotherapy and stem cell therapy, up to Sum Insured. A ₹1 lakh sublimit applies to certain robotic surgeries. |
| Annual Health Checkup |
|---|
Activ One Vytl Health check-up is available from the first policy year |
VS VS |
HeartBeat Platinum Annual health check-ups from the second policy year, on a cashless basis through empanelled providers. Test value: ₹3,750 for ₹15 lakh SI and ₹5,000 for ₹20 lakh, ₹50 lakh and ₹1 crore SI. Family First Platinum provides ₹5,000 per insured person. |
| 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 |
HeartBeat Platinum Covered for 60 days, up to Sum Insured. |
| 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 |
HeartBeat Platinum Covered for 90 days, up to Sum Insured. |
| Outpatient Department Cover (OPD Expense) |
|---|
Activ One Vytl OPD expense is not included |
VS VS |
HeartBeat Platinum Covers eligible outpatient treatment, diagnostic tests and prescribed medicines. Limits: ₹15,000 for ₹15 lakh SI; ₹20,000 for ₹20 lakh SI; ₹35,000 for ₹50 lakh SI; ₹50,000 for ₹1 crore SI. Family First Platinum: ₹35,000. Subject to policy terms. |
| Deductible Option |
|---|
Activ One Vytl Available as an option |
VS VS |
HeartBeat Platinum Optional annual aggregate deductible options are available for eligible Individual/Family Floater policies: ₹10,000, ₹20,000, ₹30,000, ₹50,000, ₹1 lakh, ₹2 lakh, ₹3 lakh, ₹4 lakh, ₹5 lakh or ₹10 lakh. |
| Coverage Options |
|---|
Activ One Vytl Available coverage options: ₹5L, ₹7L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr and ₹2 Cr |
VS VS |
HeartBeat Platinum Individual/Family Floater Platinum offers Base SI of ₹15 lakh, ₹20 lakh, ₹50 lakh and ₹1 crore. Family First Platinum has a separate per-person and floater Sum Insured structure. Policy terms of 1 or 2 years are available, subject to the applicable option. |
| Claim Settlement Ratio |
|---|
Activ One Vytl 96% |
VS VS |
HeartBeat Platinum 96.0% of HeartBeat claims settled by number in FY 2025-26, according to the insurer's product-level public disclosure. Company-level figure reported in the annual report: 94.4%. |
| Maternity Cover |
|---|
Activ One Vytl Not available |
VS VS |
HeartBeat Platinum Covers up to two pregnancies or terminations under eligible policy structures after the applicable waiting period. Individual/Family Floater Platinum limits: ₹1.2 lakh for ₹15 lakh SI; ₹1.6 lakh for ₹20 lakh SI; ₹2 lakh for ₹50 lakh and ₹1 crore SI. Newborn cover and first-year vaccinations are included subject to policy conditions. |
Insurance Plans Comparison
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