What makes Aditya Birla Health Insurance different from other insurers?

Aditya Birla Health Insurance focuses on preventive health and wellness programs, offering HealthReturns™ rewards for maintaining good health, along with quick claim processing and a vast hospital network.

How many network hospitals does Aditya Birla Health Insurance have?

It has over 8,000 network hospitals across India where cashless treatment is available.

Can I buy Aditya Birla Health Insurance online?

Yes, you can buy or renew any Aditya Birla Health Insurance policy online through their official website or licensed aggregators.

Is there a waiting period before I can make a claim?

Under Section 80D of the Income Tax Act, individuals are eligible for a tax deduction of up to ₹25,000 per year on health insurance premiums.For senior citizens, this limit is extended to ₹50,000 per year.Additionally, taxpayers can claim an additional deduction of up to ₹5,000 for expenses incurred on preventive health check-ups.

Does Aditya Birla provide international coverage?

Some high-end plans may include international emergency coverage. Always check your policy document for specific terms.

What is the minimum and maximum entry age for Aditya Birla Health Insurance?

Entry age generally starts from 5 years for children and 18 years for adults. There is no upper limit for some senior citizen plans.

What diseases are covered from Day 1 under chronic care benefits?

Diseases such as asthma, hypertension, diabetes, and hyperlipidemia are covered from Day 1 in select plans like Activ Health Platinum.

Are maternity and newborn benefits available?

Yes, maternity benefits are included in select plans, usually after a 24–36 month waiting period.

What is the maximum sum insured available?

You can opt for coverage up to ₹2 Crore under select plans, offering comprehensive protection.

Does the policy cover AYUSH treatments?

Yes, AYUSH (Ayurveda, Yoga, Unani, Siddha, and Homoeopathy) treatments are covered across most plans.

How do I file a cashless claim?

You can visit any network hospital, show your health card, and the hospital will handle the pre-authorisation process directly with the insurer.

How long does reimbursement take?

After submitting complete documents, reimbursements are generally processed within 7–10 working days.

What should I do if my claim is rejected?

If your claim is denied, you can raise a grievance or appeal through Aditya Birla’s customer care or ombudsman service for review.

Can I renew my policy after it expires?

Yes, a grace period (typically 30 days) is provided after the policy expiry to renew without losing continuity benefits.

Are lifetime renewals available?

Yes, once purchased, you can renew Aditya Birla Health Insurance policies for life without any age restriction.

What are HealthReturns™ in Aditya Birla Health Insurance?

HealthReturns™ are wellness rewards earned for staying active and healthy. You can use them to pay premiums, buy medicines, or get diagnostics.

How can I earn HealthReturns™?

You earn HealthReturns™ by completing daily fitness goals tracked through the Activ Health App and by attending annual health check-ups.

Do HealthReturns™ expire?

No, they remain valid as long as your policy is active, and can be redeemed during renewals or for health-related purchases.

Are preventive health check-ups included every year?

Yes, most plans offer free annual check-ups from the first year of policy inception.

How does Aditya Birla promote wellness beyond insurance coverage?

The company provides fitness tracking, teleconsultation services, wellness coaching, and discounts on gyms, labs, and pharmacies, encouraging holistic health management.

OneAssure

Health Insurance

Aditya Birla

Health Insurance Plans

Aditya Birla Health Insurance Plans

Get a Quote

96%

Claim Settlement Ratio

8,000+

Network Hospitals

7.1

Overall Rating

Aditya Birla

Our Verdict About Aditya Birla Health Insurance

Aditya Birla Health Insurance is a trusted insurer offering comprehensive coverage and wellness benefits.

What We Like

Good customer support and flexible wellness-based benefits.

Wide plan range with options for individuals, families, and senior citizens.

High claim settlement ratio (around 94%+), showing strong reliability.

Areas of Improvement

Some key features available only in higher-tier plans.

Occasional claim delays or rejections for pre-existing conditions.

Premiums may increase on renewal in some plans.

What We Like

Good customer support and flexible wellness-based benefits.

Wide plan range with options for individuals, families, and senior citizens.

High claim settlement ratio (around 94%+), showing strong reliability.

Areas of Improvement

Some key features available only in higher-tier plans.

Occasional claim delays or rejections for pre-existing conditions.

Premiums may increase on renewal in some plans.

Final Verdict

Aditya Birla Health Insurance is an excellent choice if you seek comprehensive, transparent, and customer-centric healthcare coverage. It offers a variety of health insurance plans catering to individuals, families, and senior citizens with multiple value-added benefits such as wellness rewards, easy claim settlement, and preventive healthcare options.

Aditya Birla Health Insurance is an excellent choice if you seek comprehensive, transparent, and customer-centric healthcare coverage. It offers a variety of health insurance plans catering to individuals, families, and senior citizens with multiple value-added...

Aditya Birla Health Insurance Plans

Super Health Plus

Active Assure Diamond

Activ Secure Critical Illness Plan Two

Activ Secure Critical Illness Plan Three

Activ Secure Critical Illness Plan One

Key Features

Top Product Highlights

Compare the features of the top health insurance products to find the perfect plan for your needs.

Product Name	Room Rent	Coverage Options	Restoration Benefit
Active Assure Diamond	Normal: Varies by variant — General Room / Twin Sharing / All rooms except Deluxe & Suite / Any room coveredICU: Covered up to Sum Insured	Sum Insured options from ₹2 lakh up to ₹2 crore, with flexible choices based on budget and family needs.	Reload of Sum Insured up to 150%, max up to ₹50 lakh, when the Sum Insured gets exhausted.
Activ One Max Plus	Covered up to sum insured.	Offers flexible plan structures covering either a single individual or all family members under one shared sum insured.	Super reload (unlimited) instantly restores 100% of your sum insured unlimited times a year if your cover gets exhausted
Activ One NXT	Covered up to sum insured.	Available either as a single individual policy or as a shared sum-insured floater plan for the whole family	Unlimited refill up to base sum insured.
Activ One SAVR	Covered up to base sum insured	Available as individual and floater	100% base sum insured is reinstated instantly upon exhaustion, usable unlimited times per policy year for both same or different illnesses under super reload.
Activ One VIP	All room categories are covered	Available coverage options: ₹50 Lacs, ₹75 Lacs, ₹1 Cr, ₹2 Cr, ₹3 Cr, ₹4 Cr, ₹5 Cr, ₹6 Cr	Not available
Activ One Max	All room categories are covered	Available coverage options: ₹5L, ₹7L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr and ₹2 Cr	Yes, your sum insured restores to 100% unlimited times after your second claim, for both related and unrelated illnesses
Activ One Vytl	All room categories are covered	Available coverage options: ₹5L, ₹7L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr and ₹2 Cr	Yes, your sum insured restores to 100% unlimited times after your second claim, for both related and unrelated illnesses
Activ Health Platinum Essential	Any room.	Individual / Family Floater	Available as add-on.
Activ Health Platinum Enhanced	No capping on room rent.	Individual/family floater	100% restoration, subject to applicable conditions.
Active Care Premier	Single Private Room. ICU charges covered up to the Sum Insured.	Sum Insured options from ₹3 lakh up to ₹10 lakh, designed for senior citizens.	100% of the Sum Insured is restored for subsequent hospitalisations due to a different illnessin the same policy year.
Active Care Standard	Shared room	Individual/family floater, subject to product eligibility	50% restoration, once for a different illness, as applicable
Active Fit Plus	Any room for some in short 5 lakh and above.	Individual, multi-individual, and family floater available.	Binge refill - 100% sum insured, unlimited times
Active Fit Preferred	Any room for sum insured 5 lakh and above.	Individual, multi-individual, family floater structure as applicable.	Binge refill - 100% sum insured, unlimited times
Active Assure Diamond	Normal: Varies by variant — General Room / Twin Sharing / All rooms except Deluxe & Suite / Any room coveredICU: Covered up to Sum Insured	Sum Insured options from ₹2 lakh up to ₹2 crore, with flexible choices based on budget and family needs.	Reload of Sum Insured up to 150%, max up to ₹50 lakh, when the Sum Insured gets exhausted.
Activ One Max Plus	Covered up to sum insured.	Offers flexible plan structures covering either a single individual or all family members under one shared sum insured.	Super reload (unlimited) instantly restores 100% of your sum insured unlimited times a year if your cover gets exhausted
Activ One NXT	Covered up to sum insured.	Available either as a single individual policy or as a shared sum-insured floater plan for the whole family	Unlimited refill up to base sum insured.
Activ One SAVR	Covered up to base sum insured	Available as individual and floater	100% base sum insured is reinstated instantly upon exhaustion, usable unlimited times per policy year for both same or different illnesses under super reload.

Aditya Birla

Customer Testimonials

Real experiences from our valued customers who have chosen our insurance coverage.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

OneAssure helped me understand my needs and choose a product that was right for me. There was no pressure tactics or mis-selling. This experience was respectful, informed, and completely stress-free.

Shreya Goyal

Have been associated with Ruchir and his team… They have provided me excellent guidance in choosing the right plans for myself and my family…always been available to assist with any insurance/claim queries.

Nakul N

Had a great experience with OneAssure during my insurance claim process. A special shoutout to Sunad Raj for his exceptional support, he was professional, responsive, and guided me every step of the way. Thanks to his consistent follow-ups and clear guidance, the entire claim settlement was smooth and hassle-free. Highly recommend OneAssure for their service and transparency!

Sanjay Dakalia

The team is very professional and prompt. I would have all my health and life insurance needs met through them.

Harish Jindal

Very professional service from Ruchir & Aman. They were recommended by a friend who had a positive experience with them. I have taken both health and life policies through them and they have advised me well throughout the process and found the best options available in the market. I had a medical condition due to which it was difficult to find a suitable health policy in the market, however this team was able to find one for me. I would recommend their services to anyone looking to buy health or life insurance.

Siddhartha Saha

Wonderful experience with Prost. Right from suggesting the insurance products to claim process the entire experience hai been seamless. They do not mis-sell and are very transparent. Sundar Raj from the team has been wonderful and ensured prompt guidance. All the best Ruchir and keep up the good work!

Adarsh Ravindranathan

Why Choose Aditya Birla Health Insurance?

Wellness and Reward Focus

Aditya Birla Health Insurance offers the HealthReturns™ program, rewarding you with up to 100% of your premium for maintaining a healthy lifestyle.

Day-1 Cover with Strong Protection

Enjoy Day-1 coverage for chronic conditions like diabetes, hypertension, and asthma, along with a sum insured restoration benefit.

Extensive Network and Digital Support

Get access to over 10,000+ cashless hospitals across India, with 24x7 digital support, mobile app access, and dedicated care managers.

Trusted Brand and Wellness Ecosystem

Backed by Aditya Birla Capital, the company focuses on preventive healthcare, fitness programs, and long-term wellness beyond just insurance coverage.

Wellness and Reward Focus

Aditya Birla Health Insurance offers the HealthReturns™ program, rewarding you with up to 100% of your premium for maintaining a healthy lifestyle.

Day-1 Cover with Strong Protection

Enjoy Day-1 coverage for chronic conditions like diabetes, hypertension, and asthma, along with a sum insured restoration benefit.

Extensive Network and Digital Support

Get access to over 10,000+ cashless hospitals across India, with 24x7 digital support, mobile app access, and dedicated care managers.

Trusted Brand and Wellness Ecosystem

Backed by Aditya Birla Capital, the company focuses on preventive healthcare, fitness programs, and long-term wellness beyond just insurance coverage.

Documents Required

Photographs

Attach recent pass-port-sized photograph for policy records.

ID Proof

Submit Aadhar Card, PAN Card, or Passport for identity verification.

Address Proof

Provide Utility Bill or Voter ID to confirm your residence.

Age Proof

Use a Birth Certificate or Driving License to verify age.

Income Proof

Documents like salary slips or ITR may be needed for high-cover plans

Photographs

Attach recent pass-port-sized photograph for policy records.

ID Proof

Submit Aadhar Card, PAN Card, or Passport for identity verification.

Address Proof

Provide Utility Bill or Voter ID to confirm your residence.

Age Proof

Use a Birth Certificate or Driving License to verify age.

Income Proof

Documents like salary slips or ITR may be needed for high-cover plans

Aditya Birla

Claim Settlement Process

Quick and hassle-free claim settlement with dedicated support to ensure timely approvals and smooth hospital experiences

1-5 of 7 Process

Aditya Birla

Renewal Process

Easily renew your policy online or offline to enjoy uninterrupted health coverage

Aditya Birla Network Hospitals

8,000+

Network hospitals across the country for cashless treatment

700+

Cities covered nationwide for easy access to quality healthcare

700+

States and union territories ensuring comprehensive coverage

8,000+

Network hospitals across the country for cashless treatment

700+

Cities covered nationwide for easy access to quality healthcare

700+

States and union territories ensuring comprehensive coverage

Aditya Birla

Features Comparison

Senior Citizen Health Plan

Secure against age-related medical costs
Tailored for seniors healthcare needs

Family Health Plan

One policy covers the entire family
High sum insured with cashless care
Multiple coverage options based on your family needs

Maternity Health Plan

Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs

Senior Citizen Health Plan

Secure against age-related medical costs
Tailored for seniors healthcare needs

Family Health Plan

One policy covers the entire family
High sum insured with cashless care
Multiple coverage options based on your family needs

Maternity Health Plan

Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs

Aditya Birla

Need help finding the right health plan?

Our experts offer personalised recommendations tailored to your age, family size, and health profile, ensuring you select the ideal coverage

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FAQs

Frequently Asked Questions

Got questions about health insurance? You’re not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.