Activ One VIP Plan
96
Claim Settlement Ratio
8000
Network Hospitals
9
Customer Rating
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Get a Quote
96
Claim Settlement Ratio
8000
Network Hospitals
9
Customer Rating
Our Verdict
Expert Review: Aditya Birla Health Insurance
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Final Verdict
About
About Aditya Birla Health Insurance
Inclusions and Exclusions
Inclusions and Exclusions of Aditya Birla Insurance Company Limited
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
Disease-wise sublimits
No
Co-payment
Yes
Room Rent
All room categories are covered
ICU Charges
No restriction on ICU room rent
Restoration Benefit
Not available
Cumulative Bonus
Your sum insured increases by 50% every year, maximum up to 100%
Claim Settlement Ratio
96%
Consumable Cover
Yes
Initial Waiting Period
30 days
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.
Any condition related to infertility, pregnancy, or childbirth.
Experimental or unproven medical treatments.
Non-prescribed vitamins, supplements, or health tonics.
Add ons
Add-Ons
Pre Existing Diseases
Critical Illness Cover
Air Ambulance
Unlimited Care
Insurance Premium Calculator
Insurance Premium Calculator
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About the company
About the company
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