Aditya Birla Health Insurance Co. Limited
Activ One — VIP variant
Aditya Birla Activ One VIP
UIN ADIHLIP24097V012324We don't sell this — we'll still recommend if it fits
The dealbreaker fields
Max cover
₹6 cr
Claim settlement (CSR)
98%
PED waiting
36 months
Specific disease wait
36 months
Mandatory co-pay
0%
Room rent prop. ded.
No
Pre / post hosp.
90 / 180 days
Network hospitals
11,000+
Free look
30 days
What this plan does well
- Separate DOMESTIC + INTERNATIONAL Sum Insured (₹30L INT'L OVER ₹50L-75L domestic; or ₹1Cr INT'L OVER ₹1Cr-6Cr domestic) — DEALBREAKER for international travelers
- Super Reload UNLIMITED times in Policy Year
- Super Credit (CB-equivalent) accrual on renewal
- 27 Critical Illnesses covered for Medical Treatment Abroad
- Pre/Post 90/180 — INDUSTRY LEADING
- GLOBAL COVER (Emergency Only) — international treatment + emergency assistance + trip benefits
- Chronic Care Day 1 Hospitalization for 7 chronic conditions — DEALBREAKER (most plans have wait)
- Chronic Management Program (OPD) — diagnostic + consults for chronic conditions
Watch out for
- Premium-priced (5L minimum, premium segment)
- Specific disease waiting 36mo
- International cover only via VIP/VIP+ variants
- Network ~11K (lower than top-tier 22K)
- Hazardous sports broad exclusion list
Is this the right plan for you?
Run the 30-second cover calculator. We'll tell you whether this plan, or a different one, is the better fit.
Find my right cover →We don't directly sell this plan today. If our verdict says this is your best fit, we'll point you to a broker who does — and tell you our paired listed alternative so you can decide.