Can I choose a deductible option to reduce my policy premium?

Yes, an optional deductible benefit is available to lower your overall premium structure.

How do HealthReturns work under the SAVR plan?

HealthReturns allows you to earn wellness rewards and premium rebates by maintaining an active lifestyle and tracking health activities.

Are modern treatments and advanced surgeries covered under Activ SAVR?

Yes, modern treatments are covered up to the base sum insured.

Does Activ One SAVR cover obesity treatments?

Yes, obesity treatment and related hospitalisation are covered, subject to policy conditions and terms.

Does SAVR offer optional Day 1 coverage for chronic condition hospitalizations?

Yes, optional day 1 coverage for chronic care hospitalisation is available as an add-on benefit.

How does the super reload restoration benefit work during a claim?

Super reload feature restores your base sum insured upon exhaustion during the policy year according to applicable terms.

What is the hospital cash cover benefit under Activ One SAVR?

Hospital cash cover provides a daily cash allowance for every eligible day of hospitalisation to help cover incidental expenses.

OneAssure

Health Insurance

Aditya Birla

Activ One SAVR

Add 100% super credit every year, up to 500% of base sum insured, capped at ₹3 crore, even after a claim, with unlimited refills from the second claim and ₹500 daily hospital cash for a parent for 30 days.

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 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

What Is 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.

SAVR Ratings

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

Aditya Birla Activ One SAVR Inclusions

Modern Treatment

Covered up to base sum insured.

ICU Charges

Covered up to base sum insured.

Cumulative Bonus

Super credit structure is present.

Consumable Cover

Claim protect is present.

Initial Waiting Period

30 days

Specific Waiting Period

24 months

PED Waiting Period

36 months

Annual Health Checkup

Once every policy year

Post-Hospitalisation

180 days

Outpatient Department Cover (OPD Expense)

Chronic care programme is present as an optional add-on, where outpatient doctor consultation, e-consults, and diagnostic tests specifically for managed conditions are present

Deductible Option

Available

Coverage Options

Available as individual and floater

Maternity Cover

Not covered under standard policy structure.

AYUSH Treatment

Full coverage for inpatient hospital admissions in recognised Ayurveda, Yoga, Unani, Siddha, and Homoeopathy medical facilities up to sum insured

Co-payment

No zone-wise co-payment.

Pre-Hospitalisation

90 days

Claim Settlement Ratio

97% insurer level FY 2025-26

Room Rent

Covered up to base sum insured

Cashless Healthcare Providers

16,500 + current insurer network

Daycare Treatment

Covered

Disease-wise sublimits

No cap on major treatments.

Restoration Benefit

100% base sum insured is reinstated instantly upon exhaustion, usable unlimited times per policy year for both same or different illnesses under super reload.

Add ons

Activ One SAVR 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

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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.