Aditya Birla Health Insurance Plans

With a presence in over 42 countries, the Aditya Birla Group is one of India’s largest conglomerates. When it entered the health insurance space in 2015 through a partnership with MMI Holdings, it was seen as a significant development for the industry. Over the last nine years, the company has built a strong foothold, introducing features like a 500% cumulative bonus and wellness focused benefits such as HealthReturns, which encourage a healthier lifestyle.

In this article, we look at Aditya Birla Health Insurance plans, its performance, premiums, and whether it could be the right choice for you.

From the table above, we can see that Aditya Birla’s claim settlement ratio and complaint figures are better than the industry average, while its incurred claims ratio also sits comfortably within the recommended 50 to 80% range. They also have 12,000+ network hospitals, which is more than the recommended number of more than 10,000 hospitals. 

At the same time, it’s important to note that Aditya Birla Health is a relatively newer insurer with a shorter track record. As a result, its claims and operational processes may not yet be as refined as those of more established players like HDFC Ergo and Care.

List of Top Health Insurance Plans by Aditya Birla 

Activ One Max

Activ One Max is Aditya Birla health insurance’s flagship plan. One of its key highlights is the promise to increase your sum insured up to 6x within five years. The plan also includes several comprehensive benefits by default, such as coverage for consumable items, annual health check ups, and discounts for maintaining a healthy lifestyle. With a paid add on, you can also opt for day one coverage for select chronic conditions like diabetes, high blood pressure, and coronary artery disease, subject to specific conditions such as recent PTC angioplasty.

Activ One Nxt

Think of it as Activ One Max, but with a few benefits moved to optional add ons instead of being included by default. We generally do not recommend this variant, as it offers lower overall value compared to Activ One Max once all the recommended add ons are selected. However, it can be a good pick for people looking for modular offerings. 

Activ One Vytl

This plan is designed for individuals with moderate to severe pre-existing conditions. To be eligible, you must have at least one of the specified conditions, all of which are covered from Day 1. These include asthma, hypertension, hyperlipidemia, diabetes mellitus, chronic obstructive pulmonary disease (COPD), obesity, and coronary artery disease, provided PTC angioplasty was done more than one year ago. We recommend considering it only if you were rejected for Activ One Max, since it is fairly expensive. 

Activ Fit Preferred

This is a plan we at Ditto recommend for couples looking for maternity benefits. After a waiting period of three years, it offers maternity coverage of ₹40,000 for normal deliveries and ₹60,000 for C section deliveries. With an entry age limit of 45 years, it is aimed at younger, fitness driven individuals. It also rewards healthy living by allowing policyholders to earn back up to 50% of their premium by staying active.

Activ Fit Plus

This Aditya Birla health insurance plan is Activ Fit Preferred, just without the maternity benefit.

Super Health Plus Super Top-up

This Super Top-up plan is a supplemental health insurance option meant to extend coverage beyond your base policy limits. It offers sum insured options from ₹3 lakhs to ₹95 lakhs, with deductibles ranging from ₹1 lakh to ₹15 lakhs. The plan covers inpatient hospitalization up to the sum insured, pre and post hospitalization expenses for 30 and 60 days respectively, daycare procedures, domiciliary care, and road ambulance services.

These are indicative premiums for individuals based in Delhi, assuming a ₹15 lakh sum insured with broadly similar benefits included. 

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Ditto’s Take on Aditya Birla Health Insurance plans

Aditya Birla health insurance plans are comprehensive and stand out for innovative features like HealthReturns. The insurer has also shown strong and consistent performance in recent years. However, compared to other insurers with similar metrics, its track record is relatively shorter, with claims and operational processes still evolving. If you are considering an Aditya Birla plan, it’s wise to compare options across multiple insurers and read the policy terms carefully to avoid surprises later.

Note: Aditya Birla is a partner insurer of Ditto. The information presented in the article is taken from publicly available sources like the insurer’s website. To know the methodology behind why these plans are recommended, refer to Ditto’s Cut and Framework.