Aditya Birla Activ One VYTL

Your health deserves special attention, especially if you’re managing a lifestyle-related condition. That’s why the Activ One VYTL Health Insurance plan from Aditya Birla Health Insurance goes beyond just financial coverage — it’s a complete health management solution designed to support your well-being and offer tailored insurance benefits that align with your unique health needs.

Aditya Birla Health Insurance Company (ABHICL), part of Aditya Birla Capital Ltd., is a trusted health insurance provider backed by the Aditya Birla Group and South Africa’s MMI Holdings. Since starting in 2015, ABHICL has focused on offering unique health plans like Chronic Care (for ongoing illnesses) and Incentivized Wellness, which promotes healthier living by rewarding good habits.

With pre-policy medical checkups for adverse pre-existing conditions, the company ensures tailored coverage and transparency, making it a trusted choice for individuals with specific and specialized health requirements. 

Serving 21+ million lives, it combines comprehensive coverage with wellness benefits, empowering individuals to lead healthier lives with unparalleled care and support.

1. Q. How does the waiting period affect my coverage? -

   The waiting period in the Activ One – VYTL plan delays coverage for certain conditions. Illness-related claims are excluded for the first 30 days, specific diseases for 24 months, and pre-existing conditions for 36 months. These limits restrict early claims but can be shortened with optional covers for quicker access.

2. Q. What happens if I don’t use my health insurance benefits for the entire year? -

   If you don’t use your health insurance benefits under the Activ One – VYTL plan for the entire year, you don’t lose them entirely. Instead, you may earn benefits like Super Credit, which adds extra coverage for the next year, and HealthReturns™, a reward system that gives you monetary credits for staying healthy. These can be used for OPD expenses or buying health devices. So, even without making a claim, your policy rewards you for maintaining good health and continuing coverage.

3. Q. Will my health insurance cover treatment abroad? -

   Yes, the Activ One – VYTL plan does cover treatment abroad, but only under specific conditions:

   • Emergency Medical Treatment Abroad: Covered under the Global Cover (Emergency Only) benefit, including hospitalization, air ambulance, repatriation, and more—only in emergencies, not planned care
   • Planned Treatment Abroad: Not available under VYTL. This benefit (Global Enhanced) is available only in higher variants like VIP+, not VYTL

   So, under the VYTL plan, only emergency treatments outside India are covered, subject to terms in the policy schedule. Planned medical procedures abroad are not included.