Aditya Birla

Activ One VIP+: This super premium variant includes comprehensive features and extends coverage for maternity and international treatments (including USA and Canada). The additional premiums may only be worth it for robust maternity or international coverage.

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This section highlights the strengths and benefits of Activ One VIP+ policy by Aditya Birla. It covers what the policy does exceptionally well, including aspects that provide significant value and peace of mind to the policyholder. Here, you will find the major advantages and positive features that make this policy stand out.

Extended coverage

International Coverage and Maternity Limits: The plan offers international coverage for emergency treatments up to the base sum insured, along with ma...

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You’ll never have to split the bill

Full Coverage (No 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, meani...

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You always have full cover irrespective of the disease

No Disease-Wise Sub-Limits: If your insurer hasn't explicitly excluded an illness, you can claim the full sum insured for any disease, as this policy ...

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Pre & Post hospitalization expenses covered

Diagnostic Tests Coverage (90 days/180 days): No worries if the doctor has to run a host of diagnostic tests before or after hospitalizing you. The in...

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Day Care treatments covered

Minor Procedure Full Coverage: If you're hospitalized for less than 24 hours for a minor procedure, the insurer will cover the costs. This includes tr...

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Free Health Checkups every year

Annual Full Body Checkup: If you’re planning on getting a full body checkup every year just to make sure you’re in fine working condition, the insurer...

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Covers Alternative Medicine

Full Coverage for Alternative Treatments: Thinking of getting Ayurvedic, Homeopathic, or other alternative treatments to cure an illness? Your insure...

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You can pick any room you like

Room Rent Flexibility: You can choose any room, whether it's a shared room, single room, or deluxe room, as there are no restrictions on room rent wit...

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Reasonable waiting period for pre-existing diseases

Coverage After 3 Years: If you have diabetes, cardiovascular problems, or similar illnesses, the insurer covers all related costs after a 3-year waiti...

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Unlimited Restoration Benefit

Future Hospitalizations: If you need hospitalization again in the same year, you can still claim the full cover.

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Special Bonus for being healthy and not claiming insurance

Sum Insured Increase (50% Annually, Cap at 100%, ?4 Cr Cap): Your sum insured increases by 50% each year irrespective of your claim status. However, t...

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Full coverage even if you are forced to hospitalize at home

Domiciliary Cover: The insurer will bear the costs even if you are hospitalized at home due to a condition or the hospital running out of beds. This i...

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Maternity benefits offered

Maternity Coverage (?1,00,000, 2-Year Wait): The insurer covers maternity expenses up to ?1,00,000, with a 2-year waiting period.

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