Breaking Barriers: Aditya Birla’s Inclusive ‘Activ One’ Covers Live-Ins and Chronic Conditions

Aditya Birla Health Insurance Co. Limited (ABHICL) recently launched ‘Activ One,’ a comprehensive health insurance plan designed to cater to a wide range of health insurance needs. This plan is notable for its inclusive approach, offering extensive coverage for a variety of health conditions and life situations.

Overview of ‘Activ One’

  • Entry Age and Coverage: The minimum entry age for the policy is 18 years, and there is no upper age limit, making it accessible for senior citizens as well​​.
  • Chronic Ailments Coverage: It covers seven chronic ailments from day one, including diabetes, high blood pressure, high cholesterol, asthma, obesity, chronic obstructive pulmonary and coronary artery diseases​​.
  • Incentives for Good Health: Policyholders can benefit from a lower premium through the “earn back premium” facility, which can be up to 100%. This is based on the policyholder’s “Healthy Heart Score,” active days in a month, and fitness assessment results​​.
  • Hospitalization and Other Benefits: The plan covers in-patient, pre-, and post-hospitalization expenses up to 90 days and 180 days, respectively. It also offers additional coverage for personal accidents, critical illnesses, and second medical opinions​​.

Unique Features

  • Coverage for Live-In Partners: For the first time, Aditya Birla Health Insurance is offering coverage for live-in partners, regardless of the sex of the partners​​.
  • 100% HealthReturns™: This feature allows policyholders to earn back their entire premium, which can be used for various expenses including renewal premiums and outpatient expenses​​.
  • Super Credit and Reload Feature: The policy offers a Super Credit benefit, increasing the sum insured by up to six times by the 6th year of the policy, without extra premium. The Reload Feature allows policyholders to refill their policy premium unlimited times up to the base sum insured during the year​​.

Plan Options and Eligibility

  • Family and Individual Plans: ‘Activ One’ is available as both family and individual health plans​​.
  • Cashless Treatment: Eligibility for cashless treatment at over 10,500 network hospitals​​.
  • Sum Insured Options: The sum insured options range from Rs. 2 lakhs to Rs. 6 crores​​.
  • Policy Duration: The policy duration options are 1, 2, or 3 years​​.

Additional Benefits

  • Flexibility: Policyholders can choose a suitable sum insured, policy type, and duration. The policy also covers AYUSH treatment, organ donor expenses, domiciliary treatment, and home health care up to the sum insured​​.
  • Chronic Disease and Accident Cover: Coverage for specific chronic diseases and personal accident cover ranging between Rs. 10 lakhs and Rs. 50 lakhs​​.

In conclusion, the ‘Activ One’ health insurance plan by Aditya Birla offers a comprehensive and inclusive approach to health insurance, catering to a wide array of health needs and preferences, including coverage for chronic ailments and live-in partners, along with incentivizing good health practices and providing extensive hospitalization benefits.



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