Overview
Aditya Birla’s Activ One VIP+ plan is the super premium variant within the Activ One policy series, offering the most extensive coverage compared to other variants. It retains core features like unlimited Super Reload and Health Returns, while enhancing maternity benefits and international treatment coverage, including the USA and Canada. With additional perks like durable medical equipment coverage and mental illness protection, this plan is tailored for individuals seeking top-tier benefits. Coverage options extend up to ₹6 crores.
Experts Review
Written by Nikhil Nair
Senior Writer
The Activ One VIP+ plan is designed for policyholders who demand comprehensive healthcare protection and global accessibility. Building on the VIP variant, it offers improved maternity benefits and international treatment coverage, expanding its scope to include the USA and Canada. This makes it particularly appealing for families planning parenthood or individuals seeking advanced medical care abroad.
Core features like unlimited Super Reload ensure uninterrupted coverage during multiple claims, while HealthReturns incentivize healthy living by rewarding active lifestyles with premium discounts. Additional enhancements include durable medical equipment coverage and mental illness protection, making it a holistic health insurance solution.
However, the added premiums for these features may not justify the cost for those who do not require maternity or international coverage. The pre-existing disease waiting period remains at 3 years across all variants, while loyalty bonuses start at 50% and go up to 100% of the base sum insured. Policyholders should carefully evaluate whether these advanced benefits align with their specific healthcare needs.
Pros
Offers a wide range of features.
Insurer has a solid track record with great claim and service metrics.
Cons
Premiums are relatively high.
Doctor consultations are not covered, which is a notable gap. Need to opt add-on for doctor consultations.
Aditya Birla
Key Insights
Founded
2016
Aditya Birla was established 9 years ago, making it a relatively new entrant with a developing track record.
Claims Experience
95% claims settled in 30 Days
Aditya Birla settles 95% of all claims it receives demonstrating strong credibility.
Network Hospitals
12,000+
Aditya Birla has a strong network with over 12,000 hospitals, ensuring wide accessibility and convenience for policyholders.
Complaints
22 complaints per 10,000 claims registered
Aditya Birla experiences a moderate number of complaints, indicating room for improvement in addressing customer concerns.
Features
All
Great
Good
Maternity
STANDOUT
The insurer will also cover expenses related to maternity— Think hospitalization expenses incurred while giving birth. But they’ll only pay upto ₹1,00,000 and make you wait 2 years before covering this expense. Also, you’ll only get the benefits if both, you and your spouse are enrolled in a single-family floater plan.
Co-payment
The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny. Meaning this policy has no co-payment.
Room Rent
Shared room, single room, deluxe room or any room that’s available. The insurer won’t nitpick on your choice of room since the policy has no restrictions on room rent.
Disease sub-limit
No funny business here. If your insurer hasn’t explicitly stated they won’t cover a certain illness, you can claim the full amount up to the sum insured, irrespective of the disease you’re dealing with. Meaning this policy doesn't impose the dreaded disease wise sub-limits.
Pre existing diseases waiting
If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after you wait for 3 years.
Customisable
For any illness: Pre existing disease waiting period is modified/reduced from 3 years to 2 years and 1 year.
Add-ons
Reduction in PED
Recommended
For any illness: Pre existing disease waiting period is modified/reduced from 3 years to 2 years and 1 year.
Critical Illness
Paid out as a lump sum amount for Critical illnesses between Rs. 10 lakhs to Rs. 50 lakhs based on the cover chosen.
Personal Accident Cover
Paid out as a lump sum amount for Accidental Death, Total Permanent Disability, Permanent Partial Disability between Rs. 10 lakhs to Rs. 50 lakhs based on the cover chosen.
Cancer Booster
Get additional coverage up to 100% of Sum Insured for medical expenses linked to Cancer of Specified Severity.
Compassionate Visit
Lump sum of Rs. 50,000 for a policy year, covering 1 family member, if hospitalization exceeds 10 days
Tele-OPD Consultation
Each insured member can get unlimited e-consultations from General Physicians.
Durable Equipment Cover
Covers the cost of durable items like Ventilator, Wheelchair, Prosthetic device, Suction Machine, etc up to 5L or base sum insured; whichever is lower.
Second Medical Opinion
Get second medical opinion for listed 27 major illnesses from doctors & experts from the network facilities.
Annual Screening Package for Cancer diagnosed Patients
Get pay out for medical expenses done on annual screening package for people diagnosed with Cancer, provided the conditions required are met up to defined limits on a reimburesement basis.
Reduction in Specific Illness Waiting Period
Reduces the Specific Illness Waiting Period from 2 years to 1 year.
Vaccine Cover
Get coverage against vaccination for diseases declared as pandemic or epidemic up to specified limits per insured person.
Permanent Exclusions
Conditions or treatments that the policy clearly says it will not cover.
Treatment involving Rotational Field Quantum Magnetic Resonance (RFQMR), External Counter Pulsation (ECP), Enhanced External Counter Pulsation (EECP), Hyperbaric Oxygen Therapy, KTP Laser Surgeries, Cyber Knife Treatment, Femto Laser Surgeries, Bioabsorbable Stents, Bioabsorbable Valves, Bioabsorbable Implants. Use of Radio Frequency (RF) probe for ablation.
Expenses related to any admission primarily for diagnostics and evaluation purposes are excluded.
Diagnostic expenses not related or incidental to current diagnosis and treatment are excluded.
Expenses for admission primarily for bed rest and not for treatment are excluded.
Custodial care at home or in a facility for help with daily activities is excluded.
Disclaimer: For illustration purposes only - exact terms are in the policy wording.
Specific Illness
The following illnesses are not covered under the policy for 2 years.
Cataract
Glaucoma
Refractive Error Correction
Sinusitis
Rhinitis
Waiting Period
30 days Initial waiting period
2 years Specific illness waiting period
3 years Pre-existing disease waiting periodCustomisable
Ditto's Take
◦ Excellent ◦
Waiting periods on this policy are excellent. This policy also further allows to reduce the PED waiting period to 2 years and 1 year for all diseases.
What's missing in the policy
Doctor consultations are not covered. Need to opt add-on for doctor consultations.
Customer Reviews
P
Priya Sharma
Finally, a plan with international treatment including USA and Canada! This VIP+ is truly premium.
R
Rajeev M.
Enhanced maternity benefits are excellent. Plus, the durable medical equipment cover is a great addition.
S
Sunita K.
Unlimited Super Reload and HealthReturns are still the best features, glad they are in VIP+ too.
A
Anil B.
The plan packs in a lot of value—especially with features like the in-built loyalty bonus. It feels premium in the right ways.
V
Vijay N.
Extremely expensive. This plan is only for those who absolutely need US/Canada treatment and top-tier maternity.
C
Chris D.
This is the most comprehensive plan in the Activ One series. If budget allows, this is the one to get for maximum coverage.
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Frequently Asked Questions
Does Activ One VIP+ have waiting periods?
- 30-Day Waiting Period: Hospitalizations won’t be covered for the first 30 days of the policy unless it’s an accident.
- Specific Illness Waiting Period: There’s a 2-year waiting period for a list of diseases which is a mandate before you can start claiming.
- Pre-Existing Disease Waiting Period: There's a 3-year waiting period for any pre-existing disease you may have while buying the policy.
- Maternity and Newborn Waiting Period: There’s a 2 waiting period before you can make claims related to pregnancy and childbirth.
Does Activ One VIP+ have room rent restrictions?
Does Activ One VIP+ offer a restoration benefit?
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