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Insurance Plans Comparison

Aditya Birla Activ One Vytl vs Care Senior

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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Aditya Birla

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
Care

Senior

Health Insurance for Senior Citizens 60+ with Lifelong Renewability

What Makes It Special:

Care Senior is tailored specifically for the healthcare requirements of senior citizens aged 60 and above.

Best For:

  • Customers wanting automatic recharge protection

  • Families covering elderly parents

  • Elderly individuals seeking senior-specific health screening benefits

  • Buyers looking for health insurance with no upper entry age cap

  • Senior citizens aged 60 and above

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

Aditya Birla Activ One Vytl

  • 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

Care Senior

  • Senior health screening included

  • Inbuilt 1-time automatic sum insured recharge

  • Includes a mandatory 20% co-payment per claim

  • Pre-existing disease waiting period is 48 months (or 24 months based on option)

  • Entry starts from age 60 with no maximum entry age limit

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Activ One Vytl
Activ One Vytl

Health Insurance Plan

Brochure

Policy Wording

VS
Senior
Senior

Health Insurance Plan

Brochure

Room Rent

Activ One Vytl

All room categories are covered

VS

Senior

Room rent is covered up to the sum insured, subject to the applicable room-category terms of the plan.

ICU Charges

Activ One Vytl

No restriction on ICU room rent

VS

Senior

ICU charges are covered up to your sum insured during the policy period.

Disease-wise sublimits

Activ One Vytl

No

VS

Senior

Yes, sublimits apply to specified diseases and treatments as per the policy terms.

Co-payment

Activ One Vytl

Available as an option

VS

Senior

20% co-payment is applicable on all claims. An additional 20% co-payment applies for treatment taken outside Smart Select network hospitals.

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

Senior

Yes, your sum insured is automatically recharged by an amount equal to the opted sum insured, unlimited times during the policy year, for related or unrelated illnesses.

Cashless Healthcare Providers

Activ One Vytl

11000+ Healthcare Providers

VS

Senior

22,100+ cashless healthcare providers.

Daycare Treatment

Activ One Vytl

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

VS

Senior

Covers all eligible Day Care Procedures, including treatments such as cataract, chemotherapy, dialysis and stone removal, up to your sum insured.

Cumulative Bonus

Activ One Vytl

Your sum insured increases by 50% every year up to 100%, maximum 3cr

VS

Senior

Your sum insured increases by 10% for every claim-free year, up to a maximum of 50% of the sum insured.

Consumable Cover

Activ One Vytl

Yes 

VS

Senior

Consumable expenses are not covered under the plan.

AYUSH Treatment

Activ One Vytl

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

VS

Senior

Covers AYUSH treatment expenses up to your sum insured, subject to the policy terms and treatment being taken at an AYUSH-certified facility.

Initial Waiting Period

Activ One Vytl

30 days

VS

Senior

30 days for illnesses, except injuries caused by an accident.

Specific Waiting Period

Activ One Vytl

2 years

VS

Senior

2 years for specified named ailments.

PED Waiting Period

Activ One Vytl

3 years

VS

Senior

3 years for 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

Senior

Modern treatment methods are not covered under the plan.

Annual Health Checkup

Activ One Vytl

Health check-up is available from the first policy year

VS

Senior

Annual health check-up is available for all insured members.

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

Senior

You get cover for medical expenses up to 60 days before hospitalisation, subject to the main hospitalisation claim being admissible.

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

Senior

You get cover for medical expenses up to 180 days after discharge from the hospital.

Outpatient Department Cover (OPD Expense)

Activ One Vytl

OPD expense is not included

VS

Senior

OPD expense is not included.

Deductible Option

Activ One Vytl

Available as an option

VS

Senior

Not available as a standard deductible option.

Coverage Options

Activ One Vytl

Available coverage options: ₹5L, ₹7L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr and ₹2 Cr

VS

Senior

Available coverage options: ₹3L, ₹5L, ₹7L and ₹10L.

Claim Settlement Ratio

Activ One Vytl

96%

VS

Senior

96.74% for FY 2024-25.

Maternity Cover

Activ One Vytl

Not available

VS

Senior

Not available.

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.

Why Choose Our Expert Consultation?

End-to-End Support

End-to-End Support

From choosing the right policy to managing claims, every step is handled for you

Zero Spam. Zero Hassle

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

Talk to experienced advisors at no cost, and make confident decisions

24/7 Claim Assistance

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

Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

Family Health Plan

Family Health Plan

  • One policy covers the entire family

  • High sum insured with cashless care

  • Multiple coverage options based on your family needs

Maternity Health Plan

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.

1-5 of 10 FAQs

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