Insurance Plans Comparison
Aditya Birla Activ One Vytl vs ICICI Lombard Health Booster
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
Health Booster
Buy a super top-up that pays hospital bills above a deductible of ₹3 lakh, ₹4 lakh or ₹5 lakh, with a sum insured from ₹5 lakh to ₹50 lakh, inpatient AYUSH cover and a once-a-year reset for an unrelated illness.
What Makes It Special:
Health Booster is a deductible-based health insurance product designed to provide additional financial protection when eligible hospitalisation expenses exceed the selected deductible. Its value depends on the relationship between the deductible, the available sum insured and the coverage provided by the policyholder's primary health insurance. Waiting periods, eligible expenses, exclusions...
Best For:
People who are comfortable checking waiting periods, exclusions and deductible conditions before purchasing additional cover.
Buyers comparing a top-up plan with a super top-up plan who want to understand how the deductible is applied to claims.
Families looking to increase their overall potential health insurance protection without relying entirely on a single base policy.
Buyers who can manage expenses up to the deductible and want cover for eligible expenses above that amount.
People who already have health insurance and want additional protection against large medical bills.
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
Before buying, compare the premium, deductible, sum insured and claim conditions with the cost of increasing your existing base policy.
If you expect to claim for a specific treatment, verify that the treatment is covered and that its waiting period and exclusions are satisfied.
If you have a pre-existing disease, check that it has been disclosed and accepted and understand the applicable waiting period before relying on the cover.
If you may have several hospitalisation claims in one year, confirm whether the deductible applies per claim or on an aggregate basis under your specific policy version.
If you already have a base health policy, compare its sum insured with the Health Booster deductible to identify any potential coverage gap.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Activ One Vytl Health Insurance Plan VS VS |
![]() Health Booster Health Insurance Plan |
| Room Rent |
|---|
Activ One Vytl All room categories are covered |
VS VS |
Health Booster
|
| ICU Charges |
|---|
Activ One Vytl No restriction on ICU room rent |
VS VS |
Health Booster Information Unavailable |
| Advanced Treatments |
|---|
Activ One Vytl Information Unavailable |
VS VS |
Health Booster
|
| Disease-wise sublimits |
|---|
Activ One Vytl No |
VS VS |
Health Booster No comprehensive disease-wise sublimit list has been confirmed for the referenced policy wording. Check the policy schedule and applicable benefit conditions. |
| Co-payment |
|---|
Activ One Vytl Available as an option |
VS VS |
Health Booster This does not apply if the insured is 60 years of age or below. However, this condition will not be applicable if you were aged 45 years or below at the time of buying this policy for the first time and have renewed it continuously after that. |
| 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 |
Health Booster Information Unavailable |
| Cashless Healthcare Providers |
|---|
Activ One Vytl 11000+ Healthcare Providers |
VS VS |
Health Booster 10,896 cashless healthcare |
| Daycare Treatment |
|---|
Activ One Vytl Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
VS VS |
Health Booster 150 medical expenses incurred by you while undergoing Specified Day Care Treatment, which require less than 24 hours hospitalization are covered by the policy. |
| Cumulative Bonus |
|---|
Activ One Vytl Your sum insured increases by 50% every year up to 100%, maximum 3cr |
VS VS |
Health Booster Additional Sum Insured increases by 10% of the base sum insured for each claim-free policy year, up to 50%. A claim in a subsequent policy period reduces the accrued amount by 10% of the sum insured at renewal. |
| Consumable Cover |
|---|
Activ One Vytl Yes |
VS VS |
Health Booster Not verified as a standard benefit for this policy version. |
| AYUSH Treatment |
|---|
Activ One Vytl Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
VS VS |
Health Booster Covered by the policy.. |
| Initial Waiting Period |
|---|
Activ One Vytl 30 days |
VS VS |
Health Booster Subject to policy wording and applicable exceptions. Confirm the applicable schedule before publishing a definitive duration. |
| Specific Waiting Period |
|---|
Activ One Vytl 2 years |
VS VS |
Health Booster 2 years for specified diseases and procedures, subject to policy terms. |
| PED Waiting Period |
|---|
Activ One Vytl 3 years |
VS VS |
Health Booster 2 years for pre-existing diseases declared and accepted by the insurer. |
| 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 |
Health Booster Covered subject to the sum insured, deductible and policy terms. |
| Annual Health Checkup |
|---|
Activ One Vytl Health check-up is available from the first policy year |
VS VS |
Health Booster Not confirmed for the policy wording referenced here. |
| 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 |
Health Booster Eligible medical expenses are covered for up to 60 days before hospitalisation, subject to policy terms. |
| 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 |
Health Booster Eligible medical expenses are covered for up to 90 days after hospitalisation, subject to policy terms. |
| Outpatient Department Cover (OPD Expense) |
|---|
Activ One Vytl OPD expense is not included |
VS VS |
Health Booster Routine outpatient consultations and treatment are not listed as a standard base-cover benefit. |
| Deductible Option |
|---|
Activ One Vytl Available as an option |
VS VS |
Health Booster A deductible applies before eligible hospitalisation claims become payable. The selected amount and its application are specified in the policy schedule. Under the Super Top-up structure, the deductible applies to aggregate hospitalisation expenses during the policy year. |
| Coverage Options |
|---|
Activ One Vytl Available coverage options: ₹5L, ₹7L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr and ₹2 Cr |
VS VS |
Health Booster Available as a Super Top-up health insurance plan, with the selected sum insured, deductible and individual or floater configuration specified in the policy schedule. |
| Claim Settlement Ratio |
|---|
Activ One Vytl 96% |
VS VS |
Health Booster FY 24-25: ~84% |
| Maternity Cover |
|---|
Activ One Vytl Not available |
VS VS |
Health Booster Not listed as a standard benefit in the referenced policy wording. |
Insurance Plans Comparison
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