What is the waiting period for pre-existing diseases in Activ One SAVR?

Pre-existing diseases are covered after 3 years of continuous coverage. The plan also offers an optional cover to reduce the PED waiting period.

What makes Activ One SAVR different from standard health insurance plans?

The plan includes unlimited super reload, super credit benefits, chronic care support, wellness rewards through HealthReturns, and global emergency coverage features.

Does Activ One SAVR offer cashless hospitalization?

Yes, cashless treatment is available at network hospitals. Certain OPD chronic management services are also available through empanelled providers on a cashless basis.

Are wellness and fitness benefits available under this plan?

Yes, policyholders can earn HealthReturns rewards through health assessments and fitness activities. Rewards can be used for OPD expenses and health wearable purchases.

OneAssure

Health Insurance

Aditya Birla

Activ One SAVR

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

0

Customer Rating

Policy Policy Wording

Get a Quote

96%

Claim Settlement Ratio

11000+

Network Hospitals

0

Customer Rating

Policy Policy Wording

Our Verdict

Expert Review: Aditya Birla Activ One SAVR

Final Verdict

Activ One SAVR combines hospitalization coverage with wellness rewards, chronic care support, and unlimited reload benefits. It is suitable for buyers looking for customizable long-term health insurance coverage.

About

About Aditya Birla Activ One SAVR

Activ One SAVR is a comprehensive health insurance plan designed to provide broad hospitalization coverage along with wellness, chronic care, and global health benefits. The plan covers inpatient hospitalization, modern treatments, daycare procedures, AYUSH treatment, domiciliary hospitalization, home healthcare, organ donor expenses, and maternity benefits. It also includes features like unlimited super reload, super credit for increasing coverage, annual health check-ups, and HealthReturns wellness rewards. Optional covers further allow policyholders to customize benefits like critical illness cover, personal accident cover, and reduced waiting periods.

Activ One SAVR is a comprehensive health insurance plan designed to provide broad hospitalization coverage along with wellness, chronic care, and global health benefits. The plan covers inpatient hospitalization, modern treatments, daycare procedures, AYUSH treatment, domiciliary hospitalization, home healthcare, organ donor expenses, and maternity benefits. It also includes features like unlimited super reload, super credit for increasing coverage, annual health check-ups, and HealthReturns wellness rewards. Optional covers further allow policyholders to customize benefits like critical...

SAVR Ratings

Ratings: Aditya Birla SAVR

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

No

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 SAVR

Room Rent

Normal: Covered as per policy terms
ICU: Covered under In-Patient Treatment

Advanced Treatments

Robotic Surgeries
Oral Chemotherapy
Stem Cell Therapy
Deep Brain Stimulation
Balloon Sinuplasty
Bronchial Thermoplasty
Stereotactic Radio Surgeries
Intra Vitreal Injections
Immunotherapy
Vaporisation of Prostate
IONM (Intra Operative Neuro Monitoring)

Co-payment

Not mentioned

Cashless Healthcare Providers

Cashless treatment available at network hospitals

Waiting Period

Initial Waiting Period: 30 days
Pre-existing Disease Waiting Period: 3 years
Specific Disease/Procedure Waiting Period: 24 months

Daycare Treatment

All Day Care Treatments Covered

AYUSH Treatment

Covered

Room Rent

Normal: Covered as per policy terms
ICU: Covered under In-Patient Treatment

Advanced Treatments

Robotic Surgeries
Oral Chemotherapy
Stem Cell Therapy
Deep Brain Stimulation
Balloon Sinuplasty
Bronchial Thermoplasty
Stereotactic Radio Surgeries
Intra Vitreal Injections
Immunotherapy
Vaporisation of Prostate
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...