Aditya Birla Health Insurance Review: A Comprehensive Guide

Aditya Birla Health Insurance Review: Key Highlights

Aditya Birla Health Insurance is a standalone health insurer (SAHI) offering its services in India since 2016. It’s a joint venture between Aditya Birla Capital Limited and MMI Holdings, a South Africa-based financial services group. The company has been conferred the fastest-growing standalone insurers with GWP growth of 33% y-o-y and annual turnover of ₹3,290 crore (2022-2025).

Introduction

Did you know that over 30% of India’s population still lacks financial protection for health? This may leave millions vulnerable to hospital expenses and debt. That’s why choosing the right insurer has become more important than ever. 

At Ditto, we have reviewed over 200+ policies and found Aditya Birla Health Insurance to be a reliable one. Over the years, the insurer has established itself as a strong player in the market, attracting both young and old policyholders alike. 

But is it the right choice for you? Get all your questions answered in this guide, where we bring you a comprehensive Aditya Birla Health Insurance review covering its key benefits and plans. 

Heads up! We know that health insurance can be overwhelming – but it doesn’t have to! Our IRDAI-certified advisors at Ditto assess your healthcare requirements and can help you pick the right policy. And the best part? We don’t spam or pressure you to buy. So book a call now.

Claim Settlement Ratio (CSR) is the percentage of claims an insurer settles successfully in a year. A higher CSR means a higher likelihood that your claims will be paid. Let's see how Aditya Birla Health Insurance performs in this context:

Insight: The average CSR from 2022 to 2025 stands at 95.81%, surpassing the industry average of 91%. This indicates a strong track record of settling claims promptly.

Incurred Claim Ratio (ICR) shows the proportion of premiums collected that are paid out in claims. It matters because an ICR that’s too high (more than 90%) may suggest unsustainable pricing, while a ratio that's too low (<50%) could mean that not enough claims are being paid out. Here's how Aditya Birla performs in terms of ICR:

Note: Latest 2024-25 numbers have not been published yet (usually mentioned in the IRDAI annual report, released around December). 

Insight: Aditya Birla’s ICR doesn’t just fall within the ideal range of 50-80%. The numbers reveal the brand's perfect balance between prioritizing client requirements (via claim settlement) and business stability.

Examining complaint numbers is crucial when analyzing a health insurance policy because it allows you to assess the credibility of the insurer. Higher complaint numbers indicate a poorer performance, especially in terms of claim settlement issues.

Insight: The complaint numbers for Aditya Birla are slightly higher than what we prefer. However, they have been improving consistently, which suggests that it has been working on improving their claim settlement services.

Customer Service and Support

For Claim Intimation:

• Planned Treatments: Inform the insurer at least 48 hours before admission.
• Emergencies: Inform within 24 hours after hospitalization.

You can also contact customer support through any of the following ways:

• Log in to the Activ Health App or the ABHI Website 
• Call 1800 270 7000
• Email care.healthinsurance@adityabirlacapital.com 
• Send “Hi” on WhatsApp to 8828800035 (for cashless claims only)
• Search for the nearest Aditya Birla health insurance branch by using the branch locator. 

Quick Note: If you’ve bought your policy through Ditto, our claims team can handle the process for you.

*The profile is of a 25-year-old healthy person living in a tier I city (Delhi: 110001) and seeking ₹15 lakh coverage. 

Note: You can also compare all Aditya Birla Health Insurance plans through Ditto’s ‘understand your policy’ page.

Let's take the example of Aditya Birla Active One MAX to calculate premiums for a healthy person, living in a tier-1 city like Delhi, covered for ₹15 lakhs. 

Note: The premiums shown are only estimates (not exact figures), based on a person with no pre-existing conditions.

Insight: The premiums of Aditya Birla Health Insurance are more affordable compared to similarly comprehensive plans like HDFC ERGO or Care Health Insurance.

Why Choose Ditto for Health Insurance?

At Ditto, we’ve assisted over 7,00,000 customers with choosing the right insurance policy. Why customers like Piyush below love us:

✅No-Spam & No Salesmen

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Aditya Birla Health Insurance Review: Ditto’s Take

Aditya Birla Health Insurance is a partner insurer for Ditto and is known for fair and reliable post-sales support and smooth claim experience. Although relatively younger compared to established players like HDFC ERGO, Niva Bupa, and Care Health Insurance, Aditya Birla has quickly earned a reputation for being agile and customer-focused. 

However, the customer service experiences are mixed, and the volume of complaints reported is slightly higher than that of competitors like HDFC ERGO and Bajaj Allianz. Yet, Aditya Birla Health Insurance still performs better than Care, Niva Bupa, and Star Health Insurance.

Above all, Aditya Birla has a few drawbacks, such as occasional customer service concerns and a relatively lesser track record, but its growth and benefits far outweigh these issues. 

Want to learn more about the inclusions and exclusions of Aditya Birla Health Insurance? Book a call with our advisors or WhatsApp us now. 

Frequently Asked Questions