What are the waiting periods applicable to pre-existing conditions under this plan?

Standard pre-existing diseases carry a 3-year waiting period from the date of policy inception. However, you can opt for an optional cover at the time of purchase to reduce this waiting period to a lower specified number of years.

How does the HealthReturns benefit allow me to get my premium back?

You can earn up to 100% of your premium by finishing a health assessment to determine your Healthy Heart Score and logging ongoing physical activities like tracking your daily steps or workout sessions. These accrued rewards are automatically adjusted to pay your renewal premium if left unutilized.

What is the process for claiming cashless hospitalization inside India?

For planned treatment, you must contact the insurer to pre-authorise the cashless facility at least 72 hours prior to the proposed treatment. In the case of an emergency hospitalization, the insurer must be contacted within 24 hours of admission to secure your cashless approval.

Are non-medical hospital expenses covered under the Activ One VIP+ plan?

Yes, the VIP+ variant natively includes the 'Claim Protect' feature. This ensures that common out-of-pocket, non-payable items across all 4 standard lists—such as gloves, masks, and administrative charges—are fully covered during an admissible hospitalization claim.

OneAssure

Health Insurance

Aditya Birla

Activ One VIP+

Experience India's most trusted health insurance with Aditya Birla Health Insurance. Get instant cashless treatment at 11000 network hospitals with sum insured up to ₹50 lakhs.

96%

Claim Settlement Ratio

11000+

Network Hospitals

8.8

Customer Rating

Policy Policy Wording

Get a Quote

96%

Claim Settlement Ratio

11000+

Network Hospitals

8.8

Customer Rating

Policy Policy Wording

Our Verdict

Expert Review: Aditya Birla Activ One VIP+

Final Verdict

Activ One VIP+ stands out as an elite health policy that blends robust domestic hospitalization safety nets with seamless worldwide planned and emergency medical care. It is a highly practical choice for fitness-conscious buyers who can effectively retrieve their premium outlay by meeting active lifestyle metrics.

About

About Aditya Birla Activ One VIP+

Activ One VIP+ is a comprehensive premium health insurance plan designed for individuals and families seeking extensive health coverage both in India and overseas. It offers base sum insured options extending from ₹50 Lakhs up to ₹6 Crores, making it ideal for managing escalating healthcare expenses. Key advantages include full coverage for non-medical expenses, unlimited refills of the sum insured for subsequent claims, and a milestone-based health return mechanism that can cover up to 100% of your renewal premium. Additionally, the plan facilitates planned surgeries abroad and handles logistical arrangements for overseas medical situations.

Activ One VIP+ is a comprehensive premium health insurance plan designed for individuals and families seeking extensive health coverage both in India and overseas. It offers base sum insured options extending from ₹50 Lakhs up to ₹6 Crores, making it ideal for managing escalating healthcare expenses. Key advantages include full coverage for non-medical expenses, unlimited refills of the sum insured for subsequent claims, and a milestone-based health return mechanism that can cover up to 100%...

VIP+ Ratings

Ratings: Aditya Birla VIP+

Insurer Rating

8.21

out of 10

Insurance Rating

10

out of 10

No Room Rent Limit

Yes

Consumables Covered

Yes

No Co-payment

Yes

Loyalty Bonus >= 500%

Yes

No Disease Sublimits

Yes

Unlimited Restoration

Yes

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

Yes

Waiting Period Waiver

Yes

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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Inclusions and Exclusions

Inclusions and Exclusions of Aditya Birla Activ One VIP+

Room Rent

Normal: Actuals up to Sum Insured.
ICU: Actuals up to Sum Insured.

Advanced Treatments

List all covered advanced/modern treatments mentioned: Uterine Artery Embolization and HIFU (High intensity focused ultrasound), Immunotherapy- Monoclonal Antibody, Vaporisation of the Prostrate (Green laser treatment or holmium laser treatment), Stem Cell Therapy (Hematopoietic Stem Cells for Bone Marrow Transplant for Haematological Conditions), Balloon Sinuplasty, Oral Chemotherapy, Robotic Surgeries, Stereotactic Radio Surgeries, Deep Brain Stimulation, Intra Vitreal Injections, Bronchial Thermoplasty, and IONM (Intra Operative Neuro Monitoring).

Co-payment

Not mentioned

Cashless Healthcare Providers

10,000+ Network hospitals.

Waiting Period

Initial Waiting Period: 30 Days.
Pre-existing Disease Waiting Period: 3 years.
Specific Disease/Procedure Waiting Period: 2 years.

Daycare Treatment

Actuals up to Sum Insured

AYUSH Treatment

Actuals up to Sum Insured

Room Rent

Normal: Actuals up to Sum Insured.
ICU: Actuals up to Sum Insured.

Advanced Treatments

List all covered advanced/modern treatments mentioned: Uterine Artery Embolization and HIFU (High intensity focused ultrasound), Immunotherapy- Monoclonal Antibody, Vaporisation of the Prostrate (Green laser treatment or holmium laser treatment), Stem Cell Therapy (Hematopoietic Stem Cells for Bone Marrow Transplant for Haematological Conditions), Balloon Sinuplasty, Oral Chemotherapy, Robotic Surgeries, Stereotactic Radio Surgeries, Deep Brain Stimulation, Intra Vitreal Injections, Bronchial Thermoplasty, and IONM (Intra Operative Neuro Monitoring).

Co-payment

Not mentioned

Exclusions

Not available

Add ons

Add-Ons

Chronic Care (Day 1 In-patient Hospitalization)

Chronic Management Program (OPD)

Pre Existing Diseases

Critical Illness Cover

Air Ambulance

Unlimited Care

Cancer Booster

Compassionate Visit

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About the company

Aditya Birla Health Insurance, part of the Aditya Birla Capital Group, is among India’s most reliable and customer-centric health insurers. The company aims to go beyond basic protection by focusing on preventive healthcare, wellness programs, and rewards for maintaining a healthy lifestyle. It provides a wide range of health plans for individuals, families, and senior citizens, offering flexible sum insured options and comprehensive benefits. With a strong network of over 8,000 hospitals across India, Aditya Birla ensures easy access to quality medical care through a smooth cashless claim process. The insurer also offers features like chronic care management, annual health...

Aditya Birla Health Insurance, part of the Aditya Birla Capital Group, is among India’s most reliable and customer-centric health insurers. The company aims to go beyond basic protection by focusing on preventive healthcare, wellness programs, and rewards for maintaining a healthy lifestyle. It provides a wide range of health plans for individuals, families, and senior citizens, offering flexible sum insured options and comprehensive benefits. With a strong network of over 8,000 hospitals across India, Aditya...

FAQs

Frequently Asked Questions

Got questions about health insurance? You’re not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.