Overview

The Aditya Birla Health Insurance premium chart varies depending on the plan, the insured person's age, and the chosen sum insured. Since premiums are calculated based on individual risk factors and policy details, Aditya Birla Health Insurance provides plan-specific rate charts and an online premium calculator to estimate your premium.

Starting Premiums for Popular Plans

The examples below compare indicative annual premiums for Activ One MAX and Activ One NXT across different customer profiles. Aditya Birla Health Insurance also offers other popular plans, including Activ Health Enhanced, Activ Assure Diamond, Activ Care Classic, and Activ Secure, each designed for different healthcare needs.

  • Individual (Age 25): ₹10,149/year (Activ One MAX), ₹10,877/year (Activ One NXT)
  • Family Floater (2 Adults, Ages 31 & 32): ₹16,299/year (Activ One MAX), ₹17,718/year (Activ One NXT)
  • Family Floater (2 Adults + 1 Child, Ages 35, 34 & 5): ₹21,478/year (Activ One MAX), ₹23,571/year (Activ One NXT)

These are indicative annual premiums for a Delhi resident with a ₹15 lakh sum insured.

Aditya Birla Capital Health Insurance, officially Aditya Birla Health Insurance, is a joint venture between Aditya Birla Capital Ltd. and Momentum Group Ltd. of South Africa. The insurer offers individual, family floater, senior citizen, and super top-up health insurance plans with wellness-focused features such as HealthReturns and Chronic Care. When comparing plans, people often get stuck focusing on premiums. The Aditya Birla Health Insurance premium chart helps provide a starting idea of premiums.

In this guide, we'll explain how to read the premium chart, compare popular plans, understand the factors that affect your premium, and calculate your premium online.

Confused between Aditya Birla and other health insurers? Book a call or chat on WhatsApp, and our expert advisors will guide you.

What Is the Aditya Birla Health Insurance Premium Chart?

The Aditya Birla Health Insurance premium chart is a pricing table that provides indicative premiums for different health insurance plans based on various customer and policy details. It helps you compare plans and estimate coverage costs before purchasing or renewing a policy.

A premium chart includes:

    • Age of the Insured: Premiums generally increase with age.
    • Sum Insured: Higher coverage amounts typically lead to higher premiums.
    • Plan Type: Individual and family floaters have different pricing structures.
    • Plan Variant: Plans such as Activ One, Activ Health, Activ Fit, and Activ Care differ in features and benefits, which affects premiums.
    • Number of Members Covered: For family floater plans, the premium depends on the number and age of the members covered.
    • City or Zone: Premiums may vary across locations because healthcare costs differ from one city to another.

The health insurance premium shown in the chart is usually a base or indicative number. Your final premium may vary depending on:

    • Medical history and Pre-Existing Diseases (PEDs).
    • Selected optional covers and add-on benefits.
    • Policy tenure.
    • The insurer's underwriting assessment.
    • Applicable discounts on eligible multi-year policies.

Sample Premiums by Age and Sum Insured

The table below is based on the Activ One MAX rate chart for an individual policy in Zone 1. It is intended to illustrate how premiums vary across age bands and sum-insured options.

Aditya Birla Health Insurance Premium Chart

The chart below compares indicative annual premiums for a family floater policy (2 adults + 1 child) across different age bands and sum insured options.

Aditya Birla Health Insurance Premium Chart

Note: These figures are indicative and rounded for illustration. Your actual premium may vary based on factors such as your city, age, gender, medical history, selected policy variant, optional covers, and underwriting. 

If you're looking for an Aditya Birla Health Insurance Premium Chart PDF download, refer to the product-specific brochure, which includes indicative premium tables, eligibility criteria, and policy benefits.

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Premium Chart for Activ One vs. Activ Health Plans

The table below shows who each plan is best suited for and where you can access its premium chart for detailed pricing.

PlanBest Suited ForPremium Chart
Activ One NXTValue-conscious individuals and first-time buyers seeking affordable, customizable coverage with a strong set of essential benefits.Activ One NXT Chart
Activ One MAXIndividuals and families seeking comprehensive health insurance with a balanced mix of coverage, benefits, and value make it the recommended choice in the product range.Activ One MAX Chart
Activ One VYTLIndividuals with listed chronic conditions (diabetes, hypertension, asthma, etc.) who need cover from day 1.Activ One VYTL Chart
Activ Health Platinum (Essential / Enhanced / Premier)Existing policyholders or those comparing older plans, buyers who specifically want the Premium Waiver benefit alongside day 1 chronic cover.Activ Health Platinum (Essential / Enhanced / Premier) Chart
Activ YuvaDigitally active young adults aged 18–45 who track their steps, sleep, and meals and want to earn premium rewards while securing comprehensive health coverage early in life.Activ Yuva Chart
Activ Fit PreferredYoung, fitness-conscious families seeking comprehensive health insurance with built-in maternity benefits and wellness rewards.Activ Fit Preferred Chart

Factors That Affect Your Aditya Birla Health Insurance Premium

    • Age: For individual policies, the premium is based on the insured member's age at the time of purchase. For family floater plans, the age of the eldest insured member is generally taken into account. As age increases, the likelihood of hospitalization and medical treatment rises, leading to higher premiums.
    • Sum Insured: The sum insured is the maximum amount the insurer will pay for covered medical expenses during a policy year. Choosing a higher sum insured generally increases the premium, although the increase is not always proportional.
    • Policy Structure: Aditya Birla Health Insurance offers individual, family floater, senior citizen, and super top-up plans. Family floater plans cover multiple members under a single sum insured, while individual plans provide separate coverage for each insured member, which may affect the premium.
    • City or Zone: Premiums may vary by city or zone because healthcare and hospitalization costs differ across locations.
    • Plan Variant: Different plan variants, such as Activ One, Activ Health, Activ Fit, and Activ Care, offer different levels of coverage and benefits, which can influence the premium.
    • Medical History and Underwriting: If you have pre-existing diseases (PEDs), lifestyle-related conditions, or a significant medical history, the insurer may apply premium loading, waiting periods, exclusions, or other underwriting conditions based on the risk involved.
    • Optional Covers: Adding optional covers such as Outpatient Department (OPD) cover, maternity benefits, Critical Illness (CI) cover, Personal Accident (PA) cover, or waiting period reduction options increases the premium while enhancing the scope of coverage.
    • Policy Tenure: Choosing a multi-year policy may qualify you for long-term discounts, depending on the plan's terms and conditions.
    • HealthReturns: Eligible policyholders can earn wellness rewards through Aditya Birla's HealthReturns program, which may help reduce renewal costs, subject to the policy terms and conditions.

Note: From 22 September 2025, GST on individual health insurance policies, including family floater and senior citizen policies, is nil. This does not automatically mean every health-related insurance arrangement or group policy has the same GST treatment.

How to Calculate Your Premium Online?

    • Visit Aditya Birla Health Insurance’s official website and choose the health insurance plan you want to explore.
    • Enter your basic details, including your age, city, family members, and preferred sum insured.
    • Select the plan variant and add any optional covers or riders, if needed.
    • Declare your medical history accurately, including any pre-existing conditions, such as diabetes, hypertension, or asthma, as well as any previous surgeries.
    • Review the estimated premium, waiting periods, exclusions, and policy terms before purchasing. You can also download the relevant product brochure, where available, to compare plan features and indicative pricing before making a decision.

Tip: Always declare your medical history truthfully. Incorrect or incomplete disclosures can lead to claim rejection, policy cancellation, or disputes during hospitalization.

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Aditya Birla Health Insurance Premium Chart
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Confused about the right insurance? Speak to Ditto’s certified advisors for free, unbiased guidance. Book your call now or chat with our advisors on WhatsApp.

Ditto's Take

The Aditya Birla Health Insurance premium chart is a useful starting point for estimating policy costs and comparing plans. However, your decision should not be based on premiums alone. Review the Aditya Birla Health Insurance claim settlement ratio, hospital network, waiting periods, exclusions, and overall coverage before purchasing a policy.

Aditya Birla Health Insurance has maintained a strong average claim settlement ratio of 96.25% during FY 2024–26. However, when comparing insurers, it's equally important to consider factors such as complaint volume, hospital network, waiting periods, policy exclusions, and overall coverage instead of relying on premium alone. Compare these metrics alongside the plan's benefits before making your final decision.

The right policy ultimately depends on your age, health profile, budget, and coverage requirements. For a broader comparison, refer to our guide on the best health insurance companies in India before making your final choice.

Frequently Asked Questions

What factors affect Aditya Birla Health Insurance premiums?

Several factors determine your Aditya Birla Health Insurance premium, including your age, city of residence, sum insured, chosen plan, policy tenure, medical history, and optional covers. Individuals with pre-existing medical conditions may undergo stricter underwriting and receive premium loading. The plan variant you select also influences the cost because each offers a different level of coverage and benefits. Since premiums are calculated based on your individual profile, it's best to request a personalized quote rather than relying solely on a premium chart.

What is the claim settlement ratio of Aditya Birla Health Insurance?

Aditya Birla Health Insurance has a 3-year average claim settlement ratio of 96.25% (FY 2024–26), which is higher than the industry average of 91.22%. This metric reflects the percentage of health insurance claims the insurer settled out of all claims reported, based on public IRDAI disclosures. While a high claim settlement ratio is a positive indicator of an insurer's claims performance, it should be considered alongside factors such as the incurred claims ratio, hospital network, complaint volume, and policy coverage. For a more comprehensive assessment of the insurer's strengths and limitations, read our Aditya Birla Health Insurance review before making your decision.

Does Aditya Birla Health Insurance use zone-based pricing?

Yes. Aditya Birla Health Insurance follows a zone-based pricing model, where premiums vary with healthcare costs in your city. People living in metropolitan cities like Mumbai and New Delhi pay higher premiums than those in smaller towns. If you move to a different city after buying your policy, you should inform the insurer so they can keep your policy details up to date. However, Activ One plans do not have any zone-based co-payment, so you won't have to pay a higher share of claim expenses if you receive treatment in a different zone. Your city remains one of several factors used to determine your premium.

What is the difference between Activ One and Activ Health plans?

Activ One is Aditya Birla Health Insurance's newer range of health insurance plans, offering multiple variants with features such as HealthReturns, Super Reload, and optional Chronic Care benefits. Activ Health is an older product family that many existing policyholders may still hold. While both offer comprehensive health coverage, their features, benefits, and eligibility conditions differ. Before choosing a plan, compare coverage, waiting periods, exclusions, and optional benefits rather than focusing on pricing alone.

Does the Aditya Birla premium chart account for pre-existing conditions like diabetes?

The published Aditya Birla premium chart assumes no pre-existing conditions, so a declared condition like diabetes or hypertension usually pushes your actual premium above the listed chart figure through underwriting loading. Certain chronic conditions are covered from day 1 under Activ One's Chronic Care benefit, but this doesn't mean the premium stays unaffected. At Ditto, we recommend treating standard chart numbers as a best-case estimate and expecting a somewhat higher quote if you have a documented medical history, since the final premium is always calculated individually after underwriting review.

How does HealthReturns lower my Aditya Birla renewal premium?

HealthReturns is Aditya Birla's wellness program that rewards policyholders for meeting daily activity goals, such as walking 10,000 steps or burning 300 calories, with credits that can offset up to 100% of the renewal premium under eligible plans like Activ One MAX and MAX+. The program tracks activity through a connected app and accumulates rewards over the policy year, which then apply at renewal time. At Ditto, we point out that this benefit only delivers real savings if you'll consistently track your activity, so it's worth factoring into your decision realistically rather than assuming you'll hit the maximum reward every year.

Where can I find the Aditya Birla Health Insurance hospital list?

You can check the Aditya Birla Health Insurance hospital list on the insurer's official website through the Hospital Network Locator. The tool lets you search for empaneled hospitals by city, state, or PIN code to confirm whether your preferred hospital offers cashless treatment. Checking the network hospital list before buying or renewing a policy can help you avoid unexpected out-of-pocket expenses and ensure a smoother claims experience. If your preferred hospital isn't listed, you may still be able to file a reimbursement claim, subject to the policy's terms and conditions.

Does the Aditya Birla premium chart include GST or is it added separately?

The premiums shown on Aditya Birla's chart and online calculator currently reflect nil Goods and Services Tax (GST), since GST on individual and family floater health insurance policies in India has been brought down to 0% under recent tax rationalization. This means the number you see on the chart is largely what you'll pay at checkout, without an additional tax layer. At Ditto, we still recommend reviewing the final payment screen before confirming purchase, since this treatment could change with future policy updates from the government.

How do HealthReturns and multi-year discounts affect the Aditya Birla premium chart?

The base Aditya Birla premium chart doesn't reflect these savings up front, but two features can meaningfully reduce what you actually pay over time. A 2-year policy gets a 7.5% discount, and a 3-year policy gets a 10% discount compared to the annual chart rate, while the HealthReturns wellness program can offset up to 100% of your renewal premium on eligible plans by hitting daily activity goals. At Ditto, we recommend factoring both of these into your comparison, since the sticker price on the chart often overstates your real long-term cost.

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