Overview
Aditya Birla’s Activ One VYTL plan is a comprehensive health insurance offering that builds upon the features of the Activ One MAX base plan. It includes day-1 coverage for 7 chronic conditions such as diabetes, hypertension, and asthma, making it ideal for individuals with lifestyle-related diseases. The plan also offers a specified number of cashless OPD consultations (tele) and pathology tests based on the PEDs diagnosed at the time of purchase, mental illness protection, and incentivized wellness through 100% HealthReturns. With coverage options ranging from ₹5 lakhs to ₹2 crores, Activ One VYTL is tailored for those seeking proactive health management.
Experts Review
Written by Nikhil Nair
Senior Writer
The Activ One VYTL plan by Aditya Birla Health Insurance differentiates itself from the MAX base variant with its focus on chronic disease coverage and management. The highlight of this plan is the day-1 coverage for 7 chronic conditions, including diabetes mellitus, hypertension, hyperlipidemia, chronic obstructive pulmonary disease, obesity, coronary artery disease, and asthma, which eliminates the standard waiting period seen in the MAX variant. This makes VYTL particularly beneficial for individuals managing lifestyle-related diseases who require immediate financial support for treatments and hospitalizations.
Another enhancement is the inclusion of specified diagnostic test coverage, which supports proactive health monitoring—a feature absent in the MAX plan. The incentivized wellness program through 100% HealthReturns adds further value by rewarding policyholders for maintaining a healthy lifestyle. Additionally, benefits like mental illness coverage and Super Reload ensure comprehensive protection during multiple claims in a policy year.
However, the pre-existing disease waiting period remains at 3 years, similar to other variants in the Activ One series. While VYTL offers advanced features tailored for specific health needs, it has a lower loyalty bonus (starting at 50% p.a. and goes up to 100% on he base sum insured), so policyholders should carefully evaluate whether its specialized benefits align with their healthcare requirements.
Pros
Offers a wide range of features.
Premiums are relatively well priced.
Insurer has a solid track record with great claim and service metrics.
Cons
Maternity benefits not offered, which is a notable gap.
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
Pre existing diseases waiting
STANDOUT
If you are already dealing with Asthma, Hypertension, Hyperlipidemia, Diabetes mellitus, Chronic Obstructive Pulmonary Disease (COPD), Obesity, or Coronary Artery Disease (PTCA done prior to 1 yr), then the insurer will cover you from day 1. However, if you are dealing with other pre-existing diseases including thyroid, kidney stones, etc., then you’ll have to wait 3 years before they start covering these complications.
Customisable
Reduces the premiums, restricts the Day 1 coverage for listed ailments, and imposes 3 years of PED waiting periods.
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/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
Room Rent Modifier
Recommended
Change Any room to Single Private room or Shared Accommodation.
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.
Compassionate Visit
Lump sum of Rs. 50,000 for a policy year, covering 1 family member, if hospitalization exceeds 10 days
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.
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.
Vaccine Cover
Get coverage against vaccination for diseases declared as pandemic or epidemic up to specified limits per insured person.
Chronic Care Restriction
Reduces the premiums, restricts the Day 1 coverage for listed ailments, and imposes 3 years of PED waiting periods.
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
◦ Standard ◦
After a close look at the waiting periods, it’s safe to say they are fairly standard.
What's missing in the policy
Maternity benefits not offered.
Customer Reviews
K
Kavita R.
Day-1 coverage for 7 chronic conditions like diabetes and hypertension is the best feature of VYTL. No waiting!
S
Sanjay M.
Diagnostic test coverage is a very practical benefit. Helps in managing health proactively.
D
Divya S.
100% HealthReturns is a great motivator. Getting rewarded for staying fit is awesome.
A
Amit S.
If you don't have any of the 7 chronic conditions, the MAX plan might be more cost-effective.
G
Gopal T.
The 3-year PED waiting period for conditions not in the Day-1 chronic list is still there.
F
Fatima J.
This plan is perfect for people with lifestyle diseases. The chronic care focus is excellent.
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Frequently Asked Questions
Does Activ One VYTL 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.
- No waiting period for illnesses and conditions arising out of Asthma, Hypertension, Hyperlipidemia, Diabetes mellitus, Chronic Obstructive Pulmonary Disease (COPD), Obesity, Coronary Artery Disease (PTCA done prior to 1 yr).
Does Activ One VYTL have room rent restrictions?
Does Activ One VYTL offer a restoration benefit?
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