Health Insurance
Aditya Birla
Aditya Birla Health Insurance is a joint venture between Aditya Birla Capital and MMI Holdings of South Africa. The company started its operations in 2016 and has brought out various health insurance policies catering to individuals and senior citizens. It has policies that cover chronic disease (like diabetes, blood Pressure, etc) management and incentive programs that reward users for being healthy. It has a vast network of cashless hospitals.
Aditya Birla Health insurance plans
Activ Care Classic
The Aditya Birla Activ Care Classic plan is a health insurance policy designed for individuals aged 55 to 80 years, offering sum insured options from ₹3 lakhs to ₹10 lakhs. It covers inpatient hospitalization, pre- and post-hospitalization expenses (30 and 60 days), 586 daycare treatments, and organ donor expenses up to 50% of the sum insured. The plan includes a personal health coach (for SI 5L & above), home nursing benefits as an ptional add-on (maximum up to 1,500/day for 15 days per policy year), and coverage for domiciliary hospitalization (up to 10% of SI). Additionally, it provides a no-claim bonus of up to 10% per annum (max up to 50% of Base SI).
Activ Health Platinum Essential
The Aditya Birla Activ Health Platinum Essential is a health insurance plan offering sum insured options ranging from ₹2 lakhs to ₹50 lakhs. Its key features include Day-1 coverage for chronic conditions like diabetes and hypertension, mental illness hospitalization, and home treatments. The plan rewards healthy behavior through HealthReturns™, which offers up to 50% of the premium back. Additional features include pre- and post-hospitalization coverage (30 and 60 days), access to wellness coaching, and optional co-payment waiver benefits, making it a comprehensive healthcare package.
Activ Assured Diamond
The Aditya Birla Activ Assure Diamond is a comprehensive health insurance policy offering sum insured options from ₹2 lakhs to ₹2 crores. It features a 150% reload of the sum insured for unrelated claims (maximum up to 50L), coverage for daycare procedures (up to SI), and no room rent capping for sums insured above ₹7 lakhs (meanwhile, for 2L–4L SI: 1% of SI; 5L SI: Single private AC room). The plan includes a health coach for chronic conditions, a super no-claim bonus (NCB) (as an add-on) to double the sum insured within two claim-free policy years, and HealthReturns™ rewards of up to 30% of the premium.
Activ One MAX+
Aditya Birla's Activ One MAX+ plan builds on the features of the MAX base plan, offering enhanced benefits like Durable Equipment Cover for medically required devices and expanded annual health check-ups. While retaining core features like "HealthReturns™" for rewarding fitness and unlimited sum insured reloads, MAX+ introduces additional perks tailored for specialized healthcare needs. With coverage options up to ₹6 crores, it is ideal for individuals seeking advanced protection and flexibility beyond the standard offerings of the MAX plan.
Activ One VIP+
Aditya Birla’s Activ One VIP+ plan is the super premium variant within the Activ One policy series, offering the most extensive coverage compared to other variants. It retains core features like unlimited Super Reload and Health Returns, while enhancing maternity benefits and international treatment coverage, including the USA and Canada. With additional perks like durable medical equipment coverage and mental illness protection, this plan is tailored for individuals seeking top-tier benefits. Coverage options extend up to ₹6 crores.
Activ One NXT
Aditya Birla's Activ One NXT plan is the entry-level variant within the Activ One series that derives its value from add-ons. This reflects how the policy is less comprehensive than other Activ One variants, which have strong features built into the plans. It includes the unique Super Reload Benefit, doubling the sum insured from Day 1. With a pre-existing disease waiting period of 3 years and no free health check-ups, this plan is best suited for those seeking essential coverage with restoration benefits but minimal frills.
Activ Health Platinum Enhanced
The Aditya Birla Activ Health Platinum Enhanced is a comprehensive health insurance policy designed for individuals and families, offering cover amounts up to ₹2 crores, depending on the mode of purchase. Its standout features include Day-1 coverage for chronic conditions like diabetes and hypertension, a 100% reload of the sum insured for unrelated claims, and the unique Premium Waiver benefit, which waives one year’s premium upon detection of listed illnesses. Additional benefits include HealthReturns™ rewards, worldwide emergency coverage, wellness coaching, and pre-post hospitalization cover (60-180 days respectively).
Activ Fit Preferred
The Aditya Birla Activ Fit Preferred Plan is a fully loaded health insurance plan designed for individuals and families. It offers unlimited sum insured refills, pre- and post-hospitalization coverage, maternity benefits, mental health care, and coverage for modern treatments. With unique perks like HealthReturns™ for staying active, discounts for young policyholders, and extensive day-care treatment coverage, it’s a comprehensive plan tailored to reward healthy living and provide robust financial protection against medical expenses.
Activ Care Standard
Aditya Birla’s Activ Care Standard is a health insurance policy tailored for senior citizens, offering sum insured options from ₹3 lakhs to ₹10 lakhs. Key features include a 50% reload of the sum insured for unrelated claims, coverage for 586 daycare procedures, and cashless home treatment (Up to ₹25,000 for 3L & 4L S.I.; Up to ₹50,000 for 5L S.I. and above) for illnesses like dengue and chemotherapy. It also provides a second e-opinion for major illnesses, HealthReturns™ rewards for active lifestyles, and health coaching sessions (2 sessions per year) for chronic conditions. The plan emphasizes affordable yet comprehensive care for elderly individuals.
Activ One MAX
Aditya Birla's Activ One MAX plan is a comprehensive health insurance solution with unique features like "HealthReturns™," which rewards healthy habits, and "Reload of Sum Insured" which ensures coverage even after claim exhaustion. It also offers coverage for pre- and post-hospitalization, day-care treatments, and modern procedures. With wellness coaching and chronic care management, the plan is tailored for individuals and families seeking holistic healthcare protection. Coverage options extend up to ₹6 crore for enhanced financial security.
Activ Care Premier
Aditya Birla’s Activ Care Premier is a premium health insurance policy for senior citizens. It offers sum insured options from ₹5 lakhs to ₹25 lakhs. The plan includes a 100% reload of the sum insured for unrelated claims, cashless home treatment, and coverage for advanced health check-ups (as an add-on). It also provides annual health assessments, HealthReturns™ rewards of up to 21%, and second opinions on major illnesses. With room rent flexibility (single private rooms), the plan ensures comprehensive care for elderly individuals.
Activ One SAVR
The Aditya Birla Activ One SAVR plan is one of the seven variants under the Activ One series, designed to provide comprehensive health insurance coverage with a focus on incentivizing fitness and wellness. The plan includes essential benefits such as inpatient hospitalization, pre- and post-hospitalization expenses (90-180 days respectively), AYUSH treatments up to SI, organ donor expenses (Up to SI), and coverage for daycare procedures (Up to SI). Unique features include Hospital Cash Cover (500 rupees/Day/Member for max up to 30 days) for parents or parents-in-law and an in-built loyalty bonus ranging from 100% to 500% (max up to 3 CR), which increases the sum insured over time.
Activ One VYTL
Aditya Birla’s Activ One VYTL plan is a comprehensive health insurance offering that builds upon the features of the Activ One MAX base plan. It includes day-1 coverage for 7 chronic conditions such as diabetes, hypertension, and asthma, making it ideal for individuals with lifestyle-related diseases. The plan also offers a specified number of cashless OPD consultations (tele) and pathology tests based on the PEDs diagnosed at the time of purchase, mental illness protection, and incentivized wellness through 100% HealthReturns. With coverage options ranging from ₹5 lakhs to ₹6 crores, Activ One VYTL is tailored for those seeking proactive health management.
Activ One VIP
Aditya Birla’s Activ One VIP plan is a premium health insurance offering that builds upon the features of the Activ One MAX base plan. It includes maternity coverage and international treatment benefits (excluding the USA and Canada), alongside unlimited Super Reload for restoration, HealthReturns. While offering robust protection, the plan's higher premiums may only be worth it for those explicitly seeking maternity or global healthcare coverage. Coverage options extend up to ₹6 crores.
Activ Fit Plus
Aditya Birla’s Activ Fit Plus is one of the go-to plans for younger, fitness-driven individuals. It rewards healthy living by enabling policyholders to earn up to 50% of their premium back by staying active. The plan also offers mental health support, domestic emergency assistance, and cashless hospitalization across 12,000+ hospitals. Above all, its comprehensive features and discounts (for early birds, good health assessments, and family plans), make it a versatile option for individuals and families.
Super Health Plus Top-Up
The Aditya Birla Super Health Plus Top-Up plan is a robust supplemental health insurance policy designed to provide additional coverage beyond the limits of a base health insurance plan. It offers sum insured options ranging from ₹3 lakhs to ₹95 lakhs, with deductible choices starting from ₹1 lakhs up to ₹5 lakhs. This plan covers essential medical expenses such as inpatient hospitalization up to sum insured, pre- and post-hospitalization of 30 & 60 days respectively, daycare procedures & domiciliary care up to the cover amount, and road ambulance services. Interestingly, ambulances are covered only up to ₹5,000 per hospitalisation for non-network providers, whereas the actual expenses are covered for network providers.
Aditya Birla Health insurance claim process
Aditya Birla claims can be of different types based on the hospital in which you are getting the treatment. If it’s part of Aditya Birla's network hospitals, you can get a “Cashless claim” in which insurance company directly pays the bills to the hospital. But if your choice of hospital is not part of their network, then you have to pay the bills and apply for reimbursement claim. Here’s a brief process for both types of claims:
Cashless Claims
Inform the Hospital Desk
All network hospitals have an insurance desk. You can submit your policy copy (even soft copy works), ID proof, initial diagnosis report and the insurance desk will request the insurance company for “pre-authorization”. In case of planned treatments, you need to do this process 2 days before hospitalization
Insurer’s decision
Based on the provided documents, insurance company approve the claim and the hospital will start the treatment and they will co-ordinate with insurer for the treatment costs. In case of Cashless claim rejection, you can still go ahead with the treatment. In this case, you will need to pay the bills initially and can file for a reimbursement claim later
Discharge
If your cashless claim is approved, at the time of discharge, the insurance company will do the final settlement with the hospital and once that is sorted, you are good to go.
Reimbursement Claims
Inform the insurance company
For any planned treatments, you need to inform the insurance company 2 days before hospitalisation. In case of emergency, you can inform within 24 hours of admission. Insurance company will acknowledge the intimation.
Hospitalization
You need to submit a insurance claim form along with original copies of hospital bills, doctor consultation reports, and diagonstic reports.
File the claim
Within 30 days post discharge, you can initiate the claim online or at any of the registered offices of the insurance company. You need to fill a claim form and attach all the reports and bills.
Insurer’s decision
Based on the claim form and submitted documents, insurance company will settle the claims as per policy terms and conditions.
Aditya Birla Health Insurance Renewal
Firstly, if you’ve purchased the policy online, you’ll always receive an intimation e-mail from the insurer around 30 days before the renewal date. The e-mail will have a renewal link that will directly take you to the page where you can make the payment and check policy details. And it’s done. You’ll receive the policy document via e-mail.
However, in case you choose to do it on your own, here’s what you need to do:
Visit the website
Visit the Aditya Birla website and then go to the Renewal section here.
Enter details
You’d be asked to provide your current policy number which you can find in the policy soft copy. You may as well be asked to enter your mobile number, email ID, Date of Birth or policy expiry date.
Review and edit the policy details
Next, you’ll be able to see details of your new policy and the renewal premium you need to pay. Also, you’ll be given the option to make some changes related to sum insured, existing covered members, etc.
Complete the payment and it’s done
Once you confirm the details, you’ll be directed to the payment gateway. Once the payment is complete, you’ll receive your new policy soft copy via e-mail.
Few things to consider when renewing your Aditya Birla health insurance policy
- If you want to increase your Sum Insured, now is the time. You can’t do it anytime during the year.
- If you didn’t make a claim in the past year, make sure you have been given a no-claim bonus if your policy offers it.
- If you want to add members like your spouse or kids, you have the option to do so only at the time of renewal. So do give this a thought.
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