Aditya Birla Health Insurance has launched a new product called “Activ One” that offers 100% health and 100% health insurance. This health insurance plan is designed to provide personalized solutions to policyholders, addressing not only their health insurance needs but also their overall well-being. Activ One is ABHICL’s most comprehensive offering to date, packed with cutting-edge features such as complete health returns, claim protection, no sub-limits, super reload, and super credit.
Table of Contents
Mayank Bathwal, CEO of Aditya Birla Health Insurance, said that Activ One is the result of listening to their customers, advisors, distributors, and partners. The product was developed based on their inputs and insights to cater to the needs of every consumer, regardless of their life stage, health, or chronic ailments. Activ One offers seven variants built into one product, providing customers with a singular solution for both their health assurance and health insurance requirements.
The key features of Activ One include 100% health returns, claim protection, no sub-limits, super reload, and super credit. The policy empowers policyholders to reclaim their entire premium by adopting an active and healthy lifestyle, and it also covers all specified non-medical expenses associated with hospitalization. There are no restrictions on room rent, ICU charges, specified modern treatments such as robotic surgeries, oral chemotherapy, etc., and more, up to the Sum Insured.
Check Eligibility for Aditya Birla Activ One
| Entry Age (Adult) | Minimum – 18 Years, Maximum – No capping |
| Entry Age (Child) | Dependent Child (Floater / Multi Individual) – 91 Days to 25 Years Individual – minimum age of entry – 5 Years |
| Policy Type | Individual & Family Floater |
| Tenure | 1 / 2 / 3 Years |
| Family Definition | Up to 2 Adults, 4 Children |
| Relationship Covered | Individual: Self, legally married spouse or live-in partner (same or opposite sex), son, daughter, brother,sister, grandson, granddaughter, son-in-law, daughter-in-law, brother-in-law, sister-in-law, nephew, niece, parents and parents-in-law Floater: Self, legally married spouse or live-in partner(same or opposite sex), dependent Children(Natural / legally adopted), parents and parents-in-law |
| Base Sum Insured (INR) | 5 Lacs( Zone 2 and 3 only), 7 Lacs, 10 Lacs, 15 Lacs, 20 Lacs, 25 Lacs, 50 Lacs, 75 Lacs |
Activ One also includes chronic care coverage, ensuring Day 1 coverage for individuals with seven chronic conditions, including asthma, high blood pressure, high cholesterol, diabetes, chronic obstructive pulmonary disease, obesity, and coronary artery disease (PTCA done a year before). The “HealthReturns” feature enables policyholders to recover their entire premium and earn up to 100% health returns based on factors such as the Healthy Heart Score, fitness assessment results, and the number of recorded Active Dayz each month.
Waiting Period in Aditya Birla Activ One Health Insurance Plan
| Pre-Existing Diseases Waiting | 4 years |
| Specific Diseases Waiting Period | 2 years |
| Initial Waiting Period (Excluding Accidental Hospitalization) | 30 days |
Activ One offers flexibility with no maximum age of entry, and it provides optional coverage for durable equipment, second medical opinions, personal accidents, critical illnesses, and a cancer booster. The product also offers coverage for live-in partners (same or opposite sex) under the policy.
