Overview of Activ One SAVR
The Aditya Birla Activ One SAVR plan is one of the seven variants under the Activ One series, designed to provide comprehensive health insurance coverage with a focus on incentivizing fitness and wellness. The plan includes essential benefits such as inpatient hospitalization, pre- and post-hospitalization expenses (90-180 days respectively), AYUSH treatments up to SI, organ donor expenses (Up to SI), and coverage for daycare procedures (Up to SI). Unique features include Hospital Cash Cover (500 rupees/Day/Member for max up to 30 days) for parents or parents-in-law and an in-built loyalty bonus ranging from 100% to 500% (max up to 3 CR), which increases the sum insured over time.
Experts' Review of Activ One SAVR
Written by Nikhil Nair
Senior Writer
The Aditya Birla Activ One SAVR plan is a solid health insurance option that balances comprehensive coverage with wellness-focused incentives. Its standout feature is the HealthReturns program, which allows policyholders to earn back up to 100% of their premium based on fitness activities tracked through the insurer’s app. Additionally, the in-built loyalty bonus significantly boosts the sum insured over time, offering inflation-adjusted protection for long-term policyholders.
The plan also includes Chronic Care add-on coverage from Day 1 for conditions like asthma, hypertension, diabetes, and coronary artery disease, ensuring immediate financial support for pre-existing illnesses. The Hospital Cash Cover for parents or parents-in-law adds value for families seeking additional support during extended hospital stays. Furthermore, features like unlimited restoration of the sum insured and durable medical equipment add-on coverage (max up to 5L or SI, whichever is lower) enhance its appeal.
However, the plan’s waiting period for pre-existing diseases is three years, which is longer than some competing plans. It also lacks features like maternity benefits or global healthcare access, which are available in higher-tier variants like Activ One VIP & Activ One VIP+. Despite these limitations, the plan still stands out for its well-rounded coverage and wellness-focused features, making it a fairly comprehensive offering overall.
Pros
Offers a wide range of features.
Premiums are relatively well priced.
Insurer has a solid track record with great claim and service metrics.
You can pick any room you like, a highly valued feature.
Unlimited Restoration Benefit, which adds significant value to the policy.
Cons
Maternity benefits not offered, which is a notable gap.
Doctor consultations are not covered, which could be a drawback for some. Need to opt add-on for doctor consultations.
Aditya Birla
Key Insights
Founded
2016
Aditya Birla was established 10 years ago, making it a relatively new entrant with a developing track record.
Claims Experience
96% CSR, calculated as a 3-year average
Aditya Birla settles 96% of all claims it receives demonstrating strong credibility.
Network Hospitals
16,500+
Aditya Birla has a strong network with over 16,500 hospitals, ensuring wide accessibility and convenience for policyholders.
Complaints
19 complaints per 10,000 claims registered
Aditya Birla experiences a moderate number of complaints, indicating room for improvement in addressing customer concerns.
The aforementioned ratios have been averaged over three years (FY24-FY26)
Features of Activ One SAVR
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.
Customisable
Change Any room to Single Private room or Shared Accommodation.
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.
Customisable
For Asthma, Hypertension, Cholesterol, Diabetes mellitus, Chronic Obstructive Pulmonary Disease (COPD), Obesity or Coronary Artery Disease (PTCA done prior to 1 yr): Pre existing disease waiting period is reduced from 3 years to 0 days.
Pre/Post hospitalization
No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount in full for a pretty reasonable duration - 90 days before you are hospitalized and 180 days after discharge. This includes the cost of medication by the way.
Add-ons of Activ One SAVR
Reduction in PED
Recommended
For any illness: Pre existing disease waiting period is modified/reduced from 3 years to 2 years and 1 year.
Chronic Care
Recommended
For Asthma, Hypertension, Cholesterol, Diabetes mellitus, Chronic Obstructive Pulmonary Disease (COPD), Obesity or Coronary Artery Disease (PTCA done prior to 1 yr): Pre existing disease waiting period is reduced from 3 years to 0 days.
Chronic Care Management Program (OPD)
Get coverage for defined e-consultation sessions and pathology tests for listed conditions already diagnosed as PEDs.
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
Room Rent Modifier
Change Any room to Single Private room or Shared Accommodation.
Per Claim Deductible
Choose deductible between ₹15,000 and ₹25,000 and get a discount on premiums.
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, pro