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Aditya Birla Activ One VYTL

Aditya Birla Activ One Vytl is a comprehensive health insurance plan t ...Read More

Up to 1 Cr
Sum insured
1
No. of plans
4800+
Pan India presence
96%
Claim settlement ratio
📄 Download brochure
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,713 reviews
🏥 12,900+ hospitals
📊 1.88 solvency ratio
✅ 96% claim settlement
Written by Simran saxena
Reviewed by Anchita Bhattacharyya
Published: 28 Jan 2025
Updated: 27 Jul 2026
Expert Verified
IRDAI Licensed

Overview

A plan designed for every lifestyle.

Aditya Birla Activ One VYTL is a comprehensive health insurance plan designed for individuals with specific lifestyle conditions. It builds upon the features of the Activ One Max plan, offering additional benefits and coverage for chronic diseases. It provides a health management system to support your journey towards great health.

Key features include:

  • Day 1 chronic disease coverage
  • Mental illness coverage
  • HealthReturns
  • Claim Protect
  • Super Reload
  • HLTH Meter

This plan comes with sum insured options from 5 Lakhs to 6 Crores, making it a great option for policyholders who want maximum benefits at an affordable premium.

Why the Aditya Birla Activ One VYTL Plan is Special?

This plan offers unique benefits:

Day 1 Coverage for Chronic Conditions

Aditya Birla Activ One VYTL plan provides immediate coverage from the first day of hospitalization for seven common lifestyle diseases, including diabetes, hypertension, and asthma.

Comprehensive Coverage

The Activ One VYTL plan provides comprehensive coverage for hospitalization expenses, room rent, doctor's fees, medicines, and surgical procedures.

Additional Benefits

This plan includes additional benefits such as coverage for diagnostic tests, ambulance services, and daycare procedures.

HealthReturns Program

Earn up to 100% of your premium back by maintaining a healthy lifestyle and achieving fitness goals.

HLTH Meter

This optional benefit allows you to monitor, evaluate, and manage your mental health, including assessment, stress detection, and wearable device management.

Exclusions

  • Investigation and evaluation like diagnostic expenses
  • Rest, cure, rehabilitation, and respite care
  • Obesity and weight control
  • Change of gender treatment
  • Cosmetic and plastic surgery
  • Hazardous or adventure sports
  • Treatment for alcoholism, drug or substance abuse, or any addictive conditions
  • Dietary supplements and substances that can be purchased without a prescription
  • Sterility and infertility
  • Maternity expenses

Optional Coverage by Aditya Birla Activ VYTL Plan

  • HLTH Meter
  • Claim Protect
  • Chronic Care
  • Personal Accident
  • Critical Illness
  • Room Rent Type
  • Per Claim Deductible
  • Preferred Provider Network Discount
  • Reduction in Pre-existing Diseases Waiting Period
  • Compassionate Visit
  • Reduction in Specific Disease Waiting Period
  • Second Medical Opinion for Listed Major Illness
  • Annual Screening Package for Cancer Diagnosed Patients

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
18 years
Plan type
Individual and Family Health Insurance
Sum insured options
₹3 L, ₹4 L, ₹5 L, ₹7 L, ₹10 L, ₹15 L, ₹20 L, ₹25 L, ₹50 L, ₹75 L, ₹1 L, ₹2 L, ₹3 L, ₹4 L, ₹5 L, ₹6 L
Waiting period
30 days
Renewability
Lifelong
Policy term
1, 2, 3 years

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Non-medical expenses covered
  • Mental illness covered
  • Obesity treatment
  • Home healthcare
  • AYUSH treatment

Cons

  • Investigation and evaluation
  • Rest
  • cure
  • rehabilitation
  • and respite care
  • Sterility and infertility

What's covered

A quick look at what this plan covers — and what it doesn't.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Covered
  • Day-care treatment Not covered
  • OPD charges Covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Covered
  • Daily hospital cash Not covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Covered

Modern & preventive care

  • Modern treatment Covered
  • Road ambulance Covered
  • Air ambulance Not covered
  • E-consultation Covered
  • Health check-up Covered
  • Second medical opinion Not covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Covered
  • Sub-limits Not covered
  • Compassionate travel Not covered
  • Global coverage Covered

Video reviews

Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.

Aditya Birla Active One VYTL Plan | Detailed Review & Benefits Explained

Aditya Birla Active One VYTL Plan | Detailed Review & Benefits Explained

Whether you’re a first-time buyer or planning to upgrade your health coverage, this guide will help you decide if Active One VYTL is the right choice for your needs.

Aditya Birla Health Insurance Network Hospital List

Aditya Birla Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Aditya Birla Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

Know More About Network Hospitals →

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Minimum Entry Age: 18 Years
  • Maximum Entry Age: No Limit
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 6 Crores

Frequently Asked Questions

The 4 most-asked questions about Aditya Birla Activ One VYTL, answered.

Aditya Birla Activ One VYTL plan covers modern procedures and treatments. It pays for 12 modern treatments and procedures.
No, the plan does not cover dental procedures and any related treatments.
The initial waiting period is 30 days, but in the case of chronic diseases, you can get coverage from day 1.
Yes, with the claim protection, you can get non-medical expenses.

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