Question 1

What is the PED waiting period if I port to ACTIV ONE VIP+ from another insurer?

Accepted Answer

If you port from another insurer, the waiting period already served is credited, reducing the remaining waiting period under the new plan for continuity of benefits.

Question 2

What is the minimum and maximum entry age for ACTIV ONE VIP+ by Aditya Birla Health Insurance?

Accepted Answer

Adults can enter the plan from 18 years, while dependent children are eligible from 91 days. There is no upper age limit for entry, making it accessible even at later ages subject to underwriting.

Question 3

Till what age can my child stay covered under ACTIV ONE VIP+?

Accepted Answer

Dependent children can remain covered under ACTIV ONE VIP+ up to 25 years of age, provided they are unmarried, financially dependent, and included in the policy as defined family members.

Question 4

Are unmarried children eligible under ACTIV ONE VIP+?

Accepted Answer

Yes, unmarried and financially dependent children are eligible for coverage under ACTIV ONE VIP+ until they reach the maximum dependent age limit specified in the plan.

Question 5

Can I add a new family member later under ACTIV ONE VIP+?

Accepted Answer

Yes, you can add eligible family members like spouse, children, or parents at renewal or defined life events, subject to underwriting approval and policy terms.

Question 6

Can my spouse and children be covered under a single sum insured in ACTIV ONE VIP+?

Accepted Answer

Yes, ACTIV ONE VIP+ allows self, spouse, and dependent children to be covered under a single family floater sum insured for comprehensive and cost-effective family protection.

Question 7

Can I cover my parents under ACTIV ONE VIP+?

Accepted Answer

Yes, parents and parents-in-law can be included under the plan, subject to eligibility and underwriting guidelines, enabling extended family health coverage under one policy.

Question 8

Can family members be added mid-term under ACTIV ONE VIP+?

Accepted Answer

Family members can usually be added mid-term only in case of qualifying life events like marriage or childbirth, subject to policy terms and insurer’s approval.

Question 9

Can I port my existing health policy to ACTIV ONE VIP+ by Aditya Birla Health Insurance?

Accepted Answer

Yes, you can port your existing health policy to ACTIV ONE VIP+ while retaining waiting period credits and continuity benefits, subject to underwriting approval.

Question 10

What is the PED waiting period after porting into ACTIV ONE VIP+?

Accepted Answer

After porting, the remaining PED waiting period is adjusted based on the time already served under your previous policy, ensuring continuity of coverage.

Question 11

What unique benefits does ACTIV ONE VIP+ by Aditya Birla Health Insurance offer compared to other policies?

Accepted Answer

ACTIV ONE VIP+ stands out with day-one chronic care, unrestricted room rent, wellness rewards, wide sum insured options, and broad protection for modern healthcare needs.

Question 12

Does ACTIV ONE VIP+ come with any disease-wise sub-limits?

Accepted Answer

No, the plan generally does not impose disease-wise sub-limits, offering broader claim flexibility unless specific exclusions are mentioned in policy conditions.

Question 13

Are room rent or ICU charges capped in ACTIV ONE VIP+?

Accepted Answer

No, room rent or ICU charges are not capped, allowing policyholders full eligible coverage without restrictive sub-limits on hospital accommodation costs.

Question 14

Is co-payment compulsory or optional under ACTIV ONE VIP+?

Accepted Answer

Co-payment is generally optional and may apply only based on age, underwriting terms, or sum insured choices, not necessarily compulsory for all members.

Question 15

Does ACTIV ONE VIP+ offer a No-Claim Bonus (NCB)?

Accepted Answer

Yes, the policy offers a No-Claim Bonus that increases the sum insured for each claim-free year, enhancing coverage without a proportionate increase in premium.

Question 16

Does ACTIV ONE VIP+ provide any loyalty bonus?

Accepted Answer

Loyalty benefits are included through wellness incentives and renewal advantages that reward long-term policyholders and encourage consistent health engagement.

Question 17

Are preventive health check-ups included in all sum insured options under ACTIV ONE VIP+?

Accepted Answer

Yes, preventive health check-ups are included across sum insured options, helping detect health issues early and promote proactive healthcare.

Question 18

Is there a grace period for renewing ACTIV ONE VIP+ after expiry?

Accepted Answer

Yes, a grace period is provided after policy expiry, usually 30 days, allowing you to renew without losing continuity benefits, though coverage may be paused temporarily.

Question 19

What are the available sum insured options under ACTIV ONE VIP+?

Accepted Answer

Activ One VIP+ offers a variety of sum insured options ranging from moderate amounts up to high coverage, allowing you to choose protection that meets family healthcare and financial needs.

Question 20

Does ACTIV ONE VIP+ offer maternity and newborn benefits?

Accepted Answer

Maternity and newborn benefits are not standard under ACTIV ONE VIP+ and are available only if specific riders or optional add-ons are chosen, subject to waiting periods and terms.

Question 21

Are pregnancy-related complications covered under ACTIV ONE VIP+?

Accepted Answer

Pregnancy-related complications are not covered unless maternity benefits are opted for separately, and such cover only applies after completing required waiting periods under the policy.

Question 22

Are daycare procedures covered in ACTIV ONE VIP+?

Accepted Answer

Yes, a wide range of listed daycare procedures that do not require 24-hour hospitalisation are covered under ACTIV ONE VIP+, provided they are medically necessary.

Question 23

Are pre- and post-hospitalization expenses covered under ACTIV ONE VIP+, and for how many days?

Accepted Answer

Pre-hospitalisation expenses up to around 90 days and post-hospitalisation expenses up to around 180 days are covered, including medicines and diagnostic costs linked to hospitalisation.

Question 24

Does ACTIV ONE VIP+ include OPD coverage?

Accepted Answer

Yes, OPD coverage is available through wellness programs and chronic care support, helping you manage outpatient consultations, diagnostics, and follow-ups without full hospital admission.

Question 25

Are room rent or ICU charges capped under ACTIV ONE VIP+?

Accepted Answer

No, ACTIV ONE VIP+ does not impose room rent or ICU sub-limits, allowing you to choose any room category without proportionate deductions in claim settlement.

Question 26

Is chemotherapy covered under ACTIV ONE VIP+?

Accepted Answer

Yes, chemotherapy including modern cancer treatments is covered under ACTIV ONE VIP+, subject to medical necessity and the available sum insured as per policy terms.

Question 27

Are lifestyle diseases like diabetes or hypertension covered from day 1 under ACTIV ONE VIP+, or after a waiting period?

Accepted Answer

Chronic lifestyle diseases such as diabetes and hypertension are included from day one under this plan, while other conditions may be subject to standard waiting periods.

Question 28

Does ACTIV ONE VIP+ include mental health treatments or counselling?

Accepted Answer

Yes, hospitalisation for mental health conditions and related eligible expenses are included under ACTIV ONE VIP+, in line with health coverage guidelines.

Question 29

Does ACTIV ONE VIP+ cover AYUSH/alternative treatments (Ayurveda, Homeopathy, Unani)?

Accepted Answer

Yes, inpatient AYUSH treatments such as Ayurveda, Homeopathy, Unani, Siddha and Yoga are covered when taken at recognised hospitals or approved care centres.

Question 30

Are diagnostic tests and pathology covered under ACTIV ONE VIP+?

Accepted Answer

Yes, diagnostic tests and pathology expenses related to hospitalisation or policy-linked care are covered, subject to terms and eligible conditions.

Question 31

Is ambulance service covered under ACTIV ONE VIP+, and what is the limit?

Accepted Answer

Ambulance charges for emergency transport are covered up to defined limits per hospitalisation where service is medically necessary and linked to a valid claim.

Question 32

Is organ donor surgery covered under ACTIV ONE VIP+?

Accepted Answer

Yes, organ donor surgery expenses are covered when medically necessary and related to transplant procedures, following policy terms and definitions.

Question 33

Are congenital conditions covered for children under ACTIV ONE VIP+?

Accepted Answer

Congenital external conditions are generally covered, while congenital internal conditions are covered after applicable waiting periods as per defined policy provisions.

Question 34

Does ACTIV ONE VIP+ cover vaccinations for adults and children?

Accepted Answer

Vaccinations are not standard cover but may be available under wellness or preventive health benefits included in the plan’s broader health ecosystem.

Question 35

Does ACTIV ONE VIP+ provide international coverage?

Accepted Answer

International coverage is subject to defined terms and generally applies only in specific emergency situations, based on policy conditions and geographical limits.

Question 36

Are occupational hazards or accident-related injuries covered under ACTIV ONE VIP+?

Accepted Answer

Yes, injuries due to accidents including occupational hazards are covered under this plan, subject to policy terms, exclusions, and conditions.

Question 37

Are cosmetic or plastic surgeries covered under ACTIV ONE VIP+, and under what conditions?

Accepted Answer

Cosmetic surgeries are covered only if medically necessary due to accidents, burns, or congenital defects, and not for elective aesthetic purposes.

Question 38

Does ACTIV ONE VIP+ include chronic disease management support?

Accepted Answer

Yes, the plan offers chronic disease management that includes monitoring, support programs and care pathways for long-term conditions as per policy terms.

Question 39

Are wellness, fitness, or reward-based benefits included in ACTIV ONE VIP+?

Accepted Answer

Yes, wellness and fitness benefits like HealthReturns™ rewards are included, offering incentives for healthy living and behaviour that can support overall health costs.

Question 40

Does ACTIV ONE VIP+ provide any death benefit?

Accepted Answer

No, ACTIV ONE VIP+ does not offer a separate death benefit, as it is designed primarily to cover medical costs and health expenses, not mortality payouts.

Question 41

What are PEDs, and when are they covered under ACTIV ONE VIP+?

Accepted Answer

Pre-existing diseases are conditions present before buying the policy, and they become eligible for coverage only after serving the defined waiting period.

Question 42

Is day-1 PED coverage available under ACTIV ONE VIP+?

Accepted Answer

Day-one coverage for pre-existing diseases is not standard; pre-existing conditions are generally covered only after completing the specified waiting period under the policy.

Question 43

What is the waiting period for PEDs under ACTIV ONE VIP+?

Accepted Answer

The waiting period for pre-existing diseases is typically 36 months, after which related medical expenses become eligible for coverage under the plan.

Question 44

Does Aditya Birla Health Insurance offer top-up or super top-up options along with ACTIV ONE VIP+?

Accepted Answer

Yes, the insurer offers top-up and super top-up plans that can be paired with this policy to enhance coverage beyond the base benefits.

Question 45

Does ACTIV ONE VIP+ offer cashless hospitalisation?

Accepted Answer

Yes, cashless hospitalisation is available at network hospitals, subject to pre-authorisation and policy conditions, allowing you to avail treatment without upfront payments.

Question 46

How long does Aditya Birla Health Insurance take to approve cashless claims for ACTIV ONE VIP+?

Accepted Answer

Cashless claim approvals are generally processed quickly once pre-authorisation and necessary documents are submitted by the hospital on behalf of the insured.

Question 47

What documents are required to file a claim under ACTIV ONE VIP+?

Accepted Answer

To file a claim, you generally need the claim form, discharge summary, hospital bills, prescriptions, diagnostic reports, and identification as required by the insurer.

Question 48

Is pre-authorisation mandatory for hospitalisation under ACTIV ONE VIP+?

Accepted Answer

Yes, pre-authorisation is mandatory for planned hospitalisation to avail cashless benefits, while emergency hospitalisation must be notified within the stipulated timeframe.

Question 49

How many claims can I make in one policy year under ACTIV ONE VIP+?

Accepted Answer

There is no limit on the number of claims in a policy year as long as the total claim amount does not exceed the available sum insured.

Question 50

Is the hospital network list available for ACTIV ONE VIP+, and can I avail treatment outside the network?

Accepted Answer

Yes, a network hospital list is available for cashless treatment, and treatment outside the network is allowed through reimbursement subject to policy terms.

Question 51

What is the claim settlement ratio of Aditya Birla Health Insurance for ACTIV ONE VIP+?

Accepted Answer

Aditya Birla Health Insurance maintains a strong claim settlement ratio at company level, reflecting efficient claim handling and customer support practices overall.

Activ One VIP+

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Expert Review: Aditya Birla Activ One VIP+

Final Verdict

What Is Activ One VIP+?

VIP+

Insurer Rating

8.21

Insurance Rating

10

Additional Benefits (Informational Only — Not part of score)

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Aditya Birla Activ One VIP+ Inclusions

Room Rent

Advanced Treatments

Co-payment

Cashless Healthcare Providers

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Daycare Treatment

AYUSH Treatment

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