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 8000 network hospitals with sum insured up to ₹50 lakhs.

96

Claim Settlement Ratio

8000

Network Hospitals

0

Customer Rating

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96

Claim Settlement Ratio

8000

Network Hospitals

0

Customer Rating

Our Verdict

Expert Review: Aditya Birla Health Insurance

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 Health Insurance

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...

Inclusions and Exclusions

Inclusions and Exclusions of Aditya Birla Insurance Company Limited

Room Rent

Normal: For a Sum Insured of ₹5 Lacs & above, Any Room category is covered.
ICU: Covered at actuals.

Advanced Treatments

Covers modern medical treatments such as robotic surgeries, stem cell therapy, and balloon sinuplasty up to the full Sum Insured.

Co-payment

No co-payment. The insurer covers 100% of the admissible claim up to the sum insured.

Waiting Period

Initial Waiting Period: 30 days for all illnesses (except accidents).
Pre-existing Disease Waiting Period: 36 months (3 years).

Cashless Healthcare Providers

10,000+ partner hospitals

Daycare Treatment

All day care treatments are covered up to the full Sum Insured.

AYUSH Treatment

Alternative treatments (Ayurveda, Yoga, Unani, Siddha, Homeopathy) are covered up to the Sum Insured.

Room Rent

Normal: For a Sum Insured of ₹5 Lacs & above, Any Room category is covered.
ICU: Covered at actuals.

Advanced Treatments

Covers modern medical treatments such as robotic surgeries, stem cell therapy, and balloon sinuplasty up to the full Sum Insured.

Co-payment

No co-payment. The insurer covers 100% of the admissible claim up to the sum insured.

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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 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...

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...