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.

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.

Does Aditya Birla provide international coverage?

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

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.

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Health Insurance

Aditya Birla

Aditya Birla Health Insurance

Get a Quote

96%

Claim Settlement Ratio

8,000+

Network Hospitals

7.1

Overall Rating

Aditya Birla Health Insurance

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

Top Aditya Birla Plans

Activ One Vytl

500+ daycare procedures & home treatment options
Chronic disease support for diabetes, hypertension, & heart issues
Balanced plan combining medical, lifestyle & preventive care benefits

Most Popular

Activ One NXT

Worldwide emergency cover + tax benefits under Sec 80D
Full hospitalisation cover: room rent, ICU, surgery, medicines & more
All-round health protection with wellness rewards and financial benefits

Activ One Vytl

500+ daycare procedures & home treatment options
Chronic disease support for diabetes, hypertension, & heart issues
Balanced plan combining medical, lifestyle & preventive care benefits

Most Popular

Activ One NXT

Worldwide emergency cover + tax benefits under Sec 80D
Full hospitalisation cover: room rent, ICU, surgery, medicines & more
All-round health protection with wellness rewards and financial benefits

Aditya Birla Health Insurance

Other Aditya Birla Plans

Active Assure Diamond

Extra benefits: organ donor, ambulance, health check-ups & add-ons
586+ daycare procedures for advanced treatments
Comprehensive & high-value plan for full medical protection

Active Assure Diamond

Extra benefits: organ donor, ambulance, health check-ups & add-ons
586+ daycare procedures for advanced treatments
Comprehensive & high-value plan for full medical protection

Aditya Birla Health Insurance

About Aditya Birla

Aditya Birla Health Insurance

Aditya Birla Rating

Overall Rating

7.1

out of 10

Solvency

2.9/4

ICR

2.1/3

Growth

2.1/3

Performance Index

Gross Direct Premium

Aditya Birla

3701.32Cr

Industry Average

6623.86Cr

ICR%

Aditya Birla

68.31%

Industry Average

63.63%

Aditya Birla

Industry Average

Overall Rating

7.1

out of 10

Solvency

2.9/4

ICR

2.1/3

Growth

2.1/3

Performance Index

Gross Direct Premium

Aditya Birla

3701.32Cr

Industry Average

6623.86Cr

Aditya Birla

Industry Average

Performance Index

ICR%

Aditya Birla

68.31%

Industry Average

63.63%

Aditya Birla

Industry Average

Aditya Birla Health Insurance

Customer Testimonials

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

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

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

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

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

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

Aditya Birla Health Insurance

Pros and Cons

Pros

Includes room rent, ICU, doctors’ consultation, and surgical expenses.
Covers pregnancy, delivery, and newborn expenses under select plans.
Offers lump-sum payouts for major illnesses like cancer, heart disease, and stroke.
Save on taxes under Section 80D for premiums paid.
Complimentary annual check-ups across most plans.
Covers over 540 medical procedures that don’t require an overnight stay.

Cons

Customer support is slow and not very responsive.
Premiums are higher compared to similar plans from other insurers.
Limited hospital network in tier-II and rural areas.
Strict pre-existing disease rules with unclear communication on inclusions.
The reimbursement process can be cumbersome even for network hospital claims.

Pros

Includes room rent, ICU, doctors’ consultation, and surgical expenses.
Covers pregnancy, delivery, and newborn expenses under select plans.
Offers lump-sum payouts for major illnesses like cancer, heart disease, and stroke.
Save on taxes under Section 80D for premiums paid.
Complimentary annual check-ups across most plans.
Covers over 540 medical procedures that don’t require an overnight stay.

Cons

Customer support is slow and not very responsive.
Premiums are higher compared to similar plans from other insurers.
Limited hospital network in tier-II and rural areas.
Strict pre-existing disease rules with unclear communication on inclusions.
The reimbursement process can be cumbersome even for network hospital claims.

Aditya Birla Health Insurance

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

Aditya Birla Types

Individual Health Insurance

This plan provides exclusive coverage for a single individual. It covers hospitalisation expenses, pre- and post-hospitalisation costs, and a wide range of medical procedures. Ideal for those seeking personal healthcare security without sharing the coverage amount with anyone else.

Family Floater Health Insurance

Aditya Birla offers family floater plans like Activ Assure Diamond and Activ Health Platinum, which cover all family members under one sum insured. The insured amount can be utilised by any member during hospitalisation. These plans also include features like HealthReturns™, annual health check-ups, and wellness programs.

Top-Up and Super Top-Up Plans

Plans like Super Health Plus Top-Up are designed to enhance your existing policy by offering additional coverage once your base plan limit is exhausted. These are cost-effective options for those who already have a primary plan but want to protect against large, unexpected medical bills.

Critical Illness Insurance

Aditya Birla offers specialised coverage for life-threatening diseases through plans like Activ Secure – Critical Illness Plan and Cancer Secure Plan. These provide a lump-sum payout upon diagnosis of covered illnesses such as cancer, heart attack, or kidney failure. The payout helps cover treatment costs and provides financial stability during recovery.

Senior Citizen Health Insurance

The Activ Care Plan is crafted specifically for senior citizens. It includes lifelong renewability, home-based care, AYUSH treatment coverage, and tax benefits. The plan is designed to minimise medical worries during retirement years by offering easy claim processes and broad hospitalisation coverage.

Corporate and Group Health Insurance

Aditya Birla provides group health plans, such as the Group Activ Health Plan, that allow employers to cover employees and their families under one policy. These plans offer flexible customisation, tax benefits for employers, and seamless cashless claim processes across a vast hospital network.

Personal Accident Insurance

The Personal Accident Plan provides financial protection against accidental death, disability, and injury. It includes compensation for income loss and education support for dependents, ensuring financial security during unforeseen events.

Disease-Specific Plans

Aditya Birla also offers disease-focused insurance solutions targeting specific conditions. These include plans for ailments like cancer or other critical illnesses, allowing policyholders to get customised financial protection and treatment support.

Wellness and Fitness-Oriented Plans

Plans such as Activ Fit, Activ Fit Plus, and Activ Fit Preferred encourage healthy living by offering discounts and rewards for maintaining fitness. These plans integrate health insurance with lifestyle goals, providing wellness coaching, digital health tracking, and incentives for staying active.

Maternity and Child Health Plans

Certain plans like Activ Health Platinum Enhanced include maternity and newborn coverage, offering comprehensive protection for pregnancy, delivery, and postnatal care. These are ideal for young couples planning to start a family.

Individual Health Insurance

This plan provides exclusive coverage for a single individual. It covers hospitalisation expenses, pre- and post-hospitalisation costs, and a wide range of medical procedures. Ideal for those seeking personal healthcare security without sharing the coverage amount with anyone else.

Family Floater Health Insurance

Aditya Birla offers family floater plans like Activ Assure Diamond and Activ Health Platinum, which cover all family members under one sum insured. The insured amount can be utilised by any member during hospitalisation. These plans also include features like HealthReturns™, annual health check-ups, and wellness programs.

Top-Up and Super Top-Up Plans

Plans like Super Health Plus Top-Up are designed to enhance your existing policy by offering additional coverage once your base plan limit is exhausted. These are cost-effective options for those who already have a primary plan but want to protect against large, unexpected medical bills.

Critical Illness Insurance

Aditya Birla offers specialised coverage for life-threatening diseases through plans like Activ Secure – Critical Illness Plan and Cancer Secure Plan. These provide a lump-sum payout upon diagnosis of covered illnesses such as cancer, heart attack, or kidney failure. The payout helps cover treatment costs and provides financial stability during recovery.

Senior Citizen Health Insurance

The Activ Care Plan is crafted specifically for senior citizens. It includes lifelong renewability, home-based care, AYUSH treatment coverage, and tax benefits. The plan is designed to minimise medical worries during retirement years by offering easy claim processes and broad hospitalisation coverage.

Corporate and Group Health Insurance

Aditya Birla provides group health plans, such as the Group Activ Health Plan, that allow employers to cover employees and their families under one policy. These plans offer flexible customisation, tax benefits for employers, and seamless cashless claim processes across a vast hospital network.

Personal Accident Insurance

The Personal Accident Plan provides financial protection against accidental death, disability, and injury. It includes compensation for income loss and education support for dependents, ensuring financial security during unforeseen events.

Disease-Specific Plans

Aditya Birla also offers disease-focused insurance solutions targeting specific conditions. These include plans for ailments like cancer or other critical illnesses, allowing policyholders to get customised financial protection and treatment support.

Wellness and Fitness-Oriented Plans

Plans such as Activ Fit, Activ Fit Plus, and Activ Fit Preferred encourage healthy living by offering discounts and rewards for maintaining fitness. These plans integrate health insurance with lifestyle goals, providing wellness coaching, digital health tracking, and incentives for staying active.

Maternity and Child Health Plans

Certain plans like Activ Health Platinum Enhanced include maternity and newborn coverage, offering comprehensive protection for pregnancy, delivery, and postnatal care. These are ideal for young couples planning to start a family.

Documents Required

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.

Passport-Size Photographs

Attach recent photos for policy records.

Income Proof (if required)

For high-cover plans, provide salary slips or ITR.

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.

Passport-Size Photographs

Attach recent photos for policy records.

Income Proof (if required)

For high-cover plans, provide salary slips or ITR.

Aditya Birla Health Insurance

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 Health Insurance

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 Health Insurance

Features Comparison

Senior Citizen Health Plan

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

Most Popular

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

Most Popular

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 Health Insurance

How to Buy Aditya Birla?

Follow these simple steps to purchase your Aditya Birla health insurance policy and secure comprehensive coverage for you and your family.

Things to Remember

Renew early to avoid coverage lapse
30-day grace period post-expiry for renewal.
Verify personal and policy details during renewal.
Adjust coverage as per current health needs.
Use online payment for secure, quick transactions.

Aditya Birla Health Insurance

Still Confused? Get Expert Guidance

Our insurance experts can help you compare plans and find the best coverage for your needs

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.