Is maternity covered internationally under Activ One VIP?

Yes, ActivOne VIP includes maternity coverage globally, with the explicit exception of the USA and Canada.

Are there any capping or daily limits on room rent or ICU charges ?

No, room rent, ICU charges, daycare procedures, and modern treatment are covered at actual, subject to insured, without any capping or proportionate deductions.

Does this plan cover non-medical expenses like hospital consumables?

Yes, non-medical consumable items are covered through the Claim Protect benefit.

Are pre- and post-hospitalisation expenses fully covered?

Yes, pre-hospitalisation medical costs are covered up to 90 days, and post-hospitalisation costs are covered up to 180 days.

What waiting period applies before pre-existing conditions are covered?

Pre-existing diseases (PED's) carry a standard 36-month waiting period before coverage begins.

Does emergency global coverage apply in all countries?

Emergency global cover is available worldwide, but treatment in the USA and Canada is strictly excluded.

Can I receive planned treatment abroad for major illnesses?

Yes, planned global treatment for specified major illnesses, such as treatment for cancer or major surgeries, is covered internationally, subject to eligibility criteria and pre-authorisation terms.

How does cumulative bonus function on our Activ One VIP?

Activ One VIP offers a bonus structure that allows your total cover to reach up to 6 times the base sum insured by the 6th year through applicable bonus structures.

Is an annual health checkup provided under the VIP plan?

Yes, an annual health checkup is included once every policy year for covered members.

Does Activ One VIP require a co-payment?

No, there is no zone-wise or mandatory co-payment applicable under this variant.

OneAssure

Health Insurance

Aditya Birla

Activ One VIP

Activ One VIP Plan

Get emergency hospital treatment worldwide, excluding the USA and Canada, with an international sum insured above the domestic cover, built-in maternity, and unlimited refills of the sum insured from the second claim.

97.27%

Claim Settlement Ratio

11,000+

Network Hospitals

10/10

Plan Rating

Policy Policy Wording

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Our Verdict

Expert Review: Aditya Birla Activ One VIP

Final Verdict

The Activ One VIP+ Plan offers extensive global coverage, maternity benefits, and wellness incentives. Ideal for individuals 18+ and families seeking comprehensive health protection with no co-payment and flexible sum insured options.

About

What Is Activ One VIP?

The Activ One VIP+ Plan by Aditya Birla Health Insurance offers comprehensive coverage, including in-patient hospitalization, 586 daycare treatments, 90-day pre-hospitalization, and 180-day post-hospitalization. It provides international coverage for planned and emergency treatments, including in the USA and Canada. The plan includes maternity benefits (after 2 years), a personal health coach, and HealthReturns to reward healthy living. With no co-payment, the insurer covers all treatment costs. Eligible for individuals 18+ years and 91-day-old dependents, with no maximum entry age.

VIP Ratings

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

Aditya Birla Activ One VIP Inclusions and Exclusions

Claim Settlement Ratio

96%

Consumable Cover

Yes

Initial Waiting Period

30 days

Specific Waiting Period

2 years

PED Waiting Period

3 years

Modern Treatment

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Annual Health Checkup

Not available

Daycare Treatment

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

AYUSH Treatment

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

Pre-Hospitalisation

You get cover for medical tests and doctor visits up to 90 days before hospitalisation, if your main claim is approved

Post-Hospitalisation

You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it

Outpatient Department Cover (OPD Expense)

OPD expenses are covered

Deductible Option

Not available

Cashless Healthcare Providers

11000+ Healthcare Providers

Coverage Options

Available coverage options: ₹50 Lacs, ₹75 Lacs, ₹1 Cr, ₹2 Cr, ₹3 Cr, ₹4 Cr, ₹5 Cr, ₹6 Cr

Maternity Cover

Available

Room Rent

All room categories are covered

ICU Charges

No restriction on ICU room rent

Disease-wise sublimits

No

Co-payment

Yes

Restoration Benefit

Not available

Cumulative Bonus

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

Exclusions

Treatment for self-inflicted injuries or suicide attempts.
Cosmetic or plastic surgery unless due to accident or illness.
Treatment related to drug abuse or alcohol consumption.
Injuries or illnesses arising from hazardous activities or adventure sports.
Treatment outside India unless explicitly covered.

Add ons

Activ One VIP Add-Ons and Riders

Chronic Management Program (Opd)

Critical Illness Cover

Air Ambulance

Unlimited Care

Pre Existing Diseases

Cancer Booster

Compassionate Visit

Durable Equipment Cover

Insurance Premium Calculator

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About the company

About Aditya Birla

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 check-ups, and value-added wellness services to promote long-term health.
Backed by 24/7 customer support, quick claim settlement, and a transparent service approach, Aditya Birla Health Insurance continues to build trust among policyholders. Its focus on innovation and holistic wellbeing makes it a dependable choice for those seeking comprehensive, wellness-driven health protection.

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.