What is the waiting period for maternity benefits under the Activ Fit Preferred plan?

The maternity benefit under the Preferred variant carries a mandatory waiting period of 36 months (3 years). To claim this benefit, both you and your spouse must be covered together under the same family floater policy.

Can I buy the Activ Fit Preferred plan as an individual policy?

No. According to the product guidelines, individual and multi-individual policy structures are not applicable for the Preferred variant. It is specifically built and structured to be issued as a Family Floater policy.

How exactly does the "Binge Refill" protect my family?

If your regular sum insured gets completely used up during a policy year due to hospitalization expenses, Binge Refill automatically restores it up to 100%. You can access this full restoration an unlimited number of times within the same year for any illness or injury.

What happens to my premium if I maintain a regular fitness routine?

By recording at least 13 "Active Dayz" a month (like hitting 10,000 steps or gym sessions) and totaling 275 active days in a year, you can earn up to 50% of your premium back as HealthReturns. These returns can be used to pay your next renewal premium, clear diagnostic test bills, or purchase medicines.

OneAssure

Health Insurance

Aditya Birla

Active Fit Preferred

Activ Fit Preferred

Experience India's most trusted health insurance with Aditya Birla Health Insurance. Get instant cashless treatment at 11000 network hospitals with sum insured up to ₹50 lakhs.

96%

Claim Settlement Ratio

11000+

Network Hospitals

0

Customer Rating

Policy Brochure

Get a Quote

96%

Claim Settlement Ratio

11000+

Network Hospitals

0

Customer Rating

Policy Brochure

Our Verdict

Expert Review: Aditya Birla Active Fit Preferred

Final Verdict

Activ Fit Preferred is the ultimate family plan for health-conscious young couples, effectively blending everyday fitness rewards and unlimited claims refills with essential maternity benefits.

About

About Aditya Birla Active Fit Preferred

Activ Fit Preferred is a robust health insurance policy designed specifically as a family floater for health-conscious households. It sets itself apart by actively incentivizing a healthy lifestyle, rewarding families with up to 50% premium cash-back for completing daily active targets like walking or burning calories. Medical emergencies are heavily guarded by an unlimited "Binge Refill" that reinstates your base cover multiple times a year for any injury or illness. Crucially for growing families, the Preferred variant features built-in maternity, newborn baby, and vaccination covers that operate completely over and above your chosen base sum insured.

Activ Fit Preferred is a robust health insurance policy designed specifically as a family floater for health-conscious households. It sets itself apart by actively incentivizing a healthy lifestyle, rewarding families with up to 50% premium cash-back for completing daily active targets like walking or burning calories. Medical emergencies are heavily guarded by an unlimited "Binge Refill" that reinstates your base cover multiple times a year for any injury or illness. Crucially for growing families, the...

Preferred Ratings

Ratings: Aditya Birla Preferred

Insurer Rating

8.21

out of 10

Insurance Rating

7.5

out of 10

No Room Rent Limit

Yes

Consumables Covered

No

No Co-payment

Yes

Loyalty Bonus >= 500%

Add on

No Disease Sublimits

Yes

Unlimited Restoration

Yes

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

Yes

Waiting Period Waiver

No

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

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

Mumbai, Maharashtra

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

Mumbai, Maharashtra

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

Bengaluru, Karnataka

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

Jaipur, Rajasthan

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

West Bengal

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Inclusions and Exclusions

Inclusions and Exclusions of Aditya Birla Active Fit Preferred

Pre-Hospitalisation

90 days

Claim Settlement Ratio

97%

Modern Treatment

Covered up to sum insured.

ICU Charges

No capping, covered up to sum insured.

Cumulative Bonus

10% per year, up to 100%

Consumable Cover

Optional/subject to applicable cover

Initial Waiting Period

30 days

Specific Waiting Period

24 months

PED Waiting Period

48 months

Annual Health Checkup

Once every policy year

Post-Hospitalisation

180 days

Outpatient Department Cover (OPD Expense)

Optional cover

Deductible Option

Not established as a standard inbuilt benefit

Coverage Options

Individual, multi-individual, family floater structure as applicable.

Maternity Cover

Yes, 40,000 normal/60,000 C-section.

AYUSH Treatment

Covered up to sum insured

Co-payment

No.

Room Rent

Any room for sum insured 5 lakh and above.

Cashless Healthcare Providers

16,500 + current insurer network

Daycare Treatment

All day care treatments covered up to sum insured.

Disease-wise sublimits

No broad disease sublimit identified; subject to policy terms.

Restoration Benefit

Binge refill - 100% sum insured, unlimited times

Pre-Hospitalisation

90 days

Claim Settlement Ratio

97%

Modern Treatment

Covered up to sum insured.

Exclusions

Not available

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About the company

Aditya Birla Health Insurance, part of the Aditya Birla Capital Group, is among India’s most reliable and customer-centric health insurers. The company aims to go beyond basic protection by focusing on preventive healthcare, wellness programs, and rewards for maintaining a healthy lifestyle. It provides a wide range of health plans for individuals, families, and senior citizens, offering flexible sum insured options and comprehensive benefits. With a strong network of over 8,000 hospitals across India, Aditya Birla ensures easy access to quality medical care through a smooth cashless claim process. The insurer also offers features like chronic care management, annual health...

Aditya Birla Health Insurance, part of the Aditya Birla Capital Group, is among India’s most reliable and customer-centric health insurers. The company aims to go beyond basic protection by focusing on preventive healthcare, wellness programs, and rewards for maintaining a healthy lifestyle. It provides a wide range of health plans for individuals, families, and senior citizens, offering flexible sum insured options and comprehensive benefits. With a strong network of over 8,000 hospitals across India, Aditya...

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.