Does Activ Fit Preferred cover mental health treatments and psychiatric care?

Yes, inpatient hospitalisation expenses for mental illness and psychiatric conditions are covered up to the full sum insured, provided the hospitalisation exceeds 24 hours.

Are specialised costs like newborn stem cell preservation covered?

Yes, Activ Fit Preferred provides coverage for newborn stem cell preservation expenses over and above the base amount insured and as part of its enhanced family benefits.

What extra benefits does the optional travel product cover?

Travel product offers a fixed lump-sum payout for domestic travel disruptions, including total loss or delay of checked-in baggage, trip cancellation, delays, or missed flight connections.

Does the 24-month specific waiting period apply to treatments even if they are not pre-existing conditions?

Yes, listed procedures such as joint replacements, cataract surgeries, and hernia repairs have a mandatory 24-month specific waiting period, regardless of whether you had the condition before buying the policy.

Can a binge refill be triggered for the same illness in the same policy year?

Yes, Binge Refill restores 100% of your Sum Insured an unlimited number of times within the same policy year, covering both related and unrelated illnesses or injuries.

What is an active day, and how do I earn HealthReturns?

You earn one active day by completing 10,000 steps, burning 300 calories, attending a 30-minute fitness session at an affiliated gym, or taking a biennial fitness test. Accumulating active dayz earns up to 50% of your premium back as HealthReturns.

OneAssure

Health Insurance

Aditya Birla

Active Fit Preferred

Activ Fit Preferred

Get maternity cover over and above the sum insured, up to ₹40,000 for a normal delivery and ₹60,000 for a C-section, plus unlimited refills of the sum insured for any illness or injury.

97.27%

Claim Settlement Ratio

11,000+

Network Hospitals

7.5/10

Plan Rating

Policy Brochure

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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

What Is 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.

Preferred Ratings

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

Aditya Birla Active Fit Preferred Inclusions

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

Insurance Premium Calculator

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About the company

About Aditya Birla

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 check-ups, and value-added wellness services to promote long-term health.
Backed by 24/7 customer support, quick claim settlement, and a transparent service approach, Aditya Birla Health Insurance continues to build trust among policyholders. Its focus on innovation and holistic wellbeing makes it a dependable choice for those seeking comprehensive, wellness-driven health protection.

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.