Is Aditya Birla Health Insurance Good?

Aditya Birla Health Insurance has been growing quickly, with the insurer reporting 64.58% year-on-year premium growth in December, a sign of strong demand and expanding market presence.

At Ditto, we’re often asked whether Aditya Birla Health Insurance is actually good or just good at marketing. 

Instead of relying on opinions or brand perception, we decided to dig deeper. We analyzed IRDAI annual reports, insurer disclosures, and policy prospectuses, and also reviewed real claim experiences shared by our customers. 

By the end of this piece, you’ll know whether Aditya Birla Health Insurance is good or bad, whether it’s worth opting for, and who it’s best suited for.

Overview of Aditya Birla Health Insurance

About Aditya Birla Health Insurance Co. Ltd.

Aditya Birla Health Insurance Co. Ltd. (ABHICL) popped into existence as a standalone health insurer in 2015 as a joint venture between Aditya Birla Capital Ltd. and MMI Strategic Investments (Pty) Ltd. from South Africa. 

Market Presence and Years of Operation

• Started operations in 2016
• Strong presence in over 5,000 cities
• More than 29,000+ branches 

Types of Health Insurance Plans Offered

Aditya Birla Health Insurance plans are designed to suit different life stages, medical needs, and budgets. 

• Flagship offerings such as its Activ One(Activ One MAX, Activ One Nxt, Activ One VIP) and Activ Fit(Activ Fit Plus, Activ Fit Preferred) series.
• Super Top-Up plans, such as Super Health Plus Top-Up.
• Health insurance plans for parents, such as Activ Care & Activ One VYTL.
• Government-linked and standardised plans such as Arogya Sanjeevani Policy and Corona Kavach Plan. 
• Group and corporate health plans such as Group Activ Health, Group Activ Travel, and Group Activ Secure.
• Plans with international coverage, such as Global Health Secure.

Note: The above data has been sourced from the insurer’s public disclosures and IRDAI annual reports.

Insights: 

• Aditya Birla Health Insurance has consistently maintained an average CSR of over 95% over the last few years, indicating that the insurer is reliable and trustworthy. 
• A healthy ICR of 68.16% shows that the insurer is financially stable without being overly restrictive in paying claims.
• The complaint volume is within the acceptable industry benchmark, which indicates reliable service.
• The GWP has grown rapidly over the years, indicating an increase in customer trust. 

At Ditto, we use a three-year average instead of looking at a single year’s number because a single year can be skewed by unusual spikes or drops in performance. For example, due to regulatory changes, market cycles, or one-off events. By averaging metrics, we smooth out short-term volatility and get a clearer picture of an insurer’s long-term consistency and reliability.

Key Benefits of Aditya Birla Health Insurance

01

Wide Network of Cashless Hospitals

Aditya Birla Health Insurance offers access to a large network of 12,000+ cashless hospitals across India, making planned and emergency hospitalisations smoother and faster.

02

Range of Health Insurance Plans

From comprehensive individual and family floater plans to top-ups and critical illness covers, Aditya Birla Health Insurance provides options for different life stages and budgets.

03

Senior Citizen Focused Health Insurance Options

The insurer offers plans suitable for senior citizens, with features like lifelong renewability and coverage for age-related medical conditions, subject to policy terms.

04

Coverage for Pre-Existing Diseases (Conditions Apply)

Aditya Birla Health Insurance covers pre-existing diseases after a defined waiting period, with select plans offering structured chronic care and disease management support options to reduce these waiting periods with riders.

05

HealthReturns™ Program (Wellness Rewards)

The insurer rewards policyholders for maintaining healthy habits like walking, regular check-ups, and fitness activities. In select plans, such as Activ One Max, these rewards can translate into premium discounts, sometimes up to 100% of the base premium.

06

Unlimited Sum Insured Reload Benefit

Several Aditya Birla Health plans, such as Activ One Max and Activ One Nxt, offer a 100% reload of the sum insured, applicable from Day 1 for both related and unrelated illnesses.

Things to Check Before Buying Aditya Birla Health Insurance

Before purchasing, always verify key policy conditions to avoid surprises during claims.

1) Policy Wordings and Exclusions

Carefully review exclusions, sub-limits, and room rent caps mentioned in the policy wording, as these directly impact claim payouts.

2) Waiting Periods and Co-Payment Clauses

Check disease-specific waiting periods and any co-payment clauses, especially if you’re buying the policy at an older age or with severe pre-existing conditions.

3) Network Hospital Availability in Your City

Ensure that reputed hospitals in your city are part of Aditya Birla Health Insurance’s cashless network for smoother claim settlement. You can use the network hospital locator on Aditya Birla’s website for the same.

Other than that, here’s a health insurance checklist you would want to go through before purchasing a policy.

Why Choose Ditto for Health Insurance?

At Ditto, we’ve assisted over 8,00,000 customers with choosing the right insurance policy. Here’s why customers like Abhinav love us:

• No-Spam & No Salesmen
• Rated 4.9/5 on Google Reviews by 5,000+ happy customers
• Backed by Zerodha
• 100% Free Consultation

You can book a FREE consultation with us. Slots are filling up quickly, so be sure to book a call now or chat with us on WhatsApp!

Full Disclosure: Aditya Birla Health Insurance is a partner insurer of Ditto. All information in this article is based on publicly available sources and our first-hand experience of working with the insurer over the past few years while assisting customers with health insurance decisions.