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Good For

Comprehensive Coverage

Good For

OPD Coverage

Aditya Birla
Aditya Birla

Activ Fit Plus

4.22

Rated by Ditto Insurance

Sum Insured

₹5 L ₹1 Cr

Premiums

Affordable

Entry Age

Adult: 18 years - 45 years

Child: 91 days - 25 years

Exit Age

Adult: No limit

Child: 26 years

Overview

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.

Experts Review

Nikhil Nair

Written by Nikhil Nair

Senior Writer

Gaurav Bhat

Reviewed by Gaurav Bhat

Senior Editor

IRDAI-Certified Expert
IRDAI Certified

The Activ Fit Plus policy by Aditya Birla Health Insurance has a refreshing take on health insurance. It combines comprehensive coverage with a distinct focus on fitness and wellness. The plan’s standout feature is the HealthReturns™ program, which rewards policyholders with up to 50% premium returns for maintaining an active lifestyle. At the same time, the inclusion of unlimited sum insured restorations and coverage for modern treatments, mental health conditions, and HIV/AID reflects the plan's adaptability to new-age healthcare needs. On the discounts front, the Activ Fit Plus policy provides the “Good Health Discount” and “Early Bird Discount,” which are particularly attractive to millennials and Gen Z.

On the downside, the plan’s heavy reliance on activity tracking via the Activ Health app may be a hurdle for less tech-savvy users or those who struggle to meet the activity benchmarks. Also, achieving the 275 active days benchmark to maximize the plan rewards might be challenging for some, especially those over the age of 45.

Pros

Offers a wide range of features.

Great pick if you're looking for something affordable.

Insurer has a solid track record with great claim and service metrics.

Cons

Maternity benefits not offered, which is a notable gap.

Doctor consultations are not covered, which could be a drawback for some. Need to opt add-on for doctor consultations.

Aditya Birla

Aditya Birla

Key Insights

Founded

2016

Aditya Birla was established 9 years ago, making it a relatively new entrant with a developing track record.

Claims Experience

95% claims settled in 30 Days

Aditya Birla settles 95% of all claims it receives demonstrating strong credibility.

Network Hospitals

12,000+

Aditya Birla has a strong network with over 12,000 hospitals, ensuring wide accessibility and convenience for policyholders.

Complaints

22 complaints per 10,000 claims registered

Aditya Birla experiences a moderate number of complaints, indicating room for improvement in addressing customer concerns.

Features

All

Great

Good

Co-payment

The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny. Meaning this policy has no co-payment.

Room Rent

Shared room, single room, deluxe room or any room that’s available. The insurer won’t nitpick on your choice of room since the policy has no restrictions on room rent.

Disease sub-limit

No funny business here. If your insurer hasn’t explicitly stated they won’t cover a certain illness, you can claim the full amount up to the sum insured, irrespective of the disease you’re dealing with. Meaning this policy doesn't impose the dreaded disease wise sub-limits.

Pre existing diseases waiting

If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after you wait for 3 years.

Pre/Post hospitalization

No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount in full for a pretty reasonable duration - 90 days before you are hospitalized and 180 days after discharge. This includes the cost of medication by the way.

Add-ons

Super NCB

Mandatory

Additional bonus of 50% up to a maximum of 100%, with a clawback of 50% if claimed in the previous year.

Consumables Cover

Recommended

Covers list of 68 non-medical items as per list I

OPD Cover

Get coverage for outpatient and e-consultations i.e. doctor visits.

Premiums Waiver Cover

Get waiver of premium for 1 year on first diagnosis of critical illness or an injury due to an Accident resulting in the Permanent Total Disablement but this feature is available once in the lifetime of the Policy.

Travel Protect Cover

Get fixed pay for travels made by a common carrier within the territory of India in terms of total loss of check-in baggage, delay of check-in baggage, Trip cancellation & interruption, trip delay and missed flight connection.

EMI Protection Cover

Get your 3 EMIs paid against existing loan in case of hospitalization exceeding more than 6 days for amount between ₹10,000 to ₹1,00,000 based on cover chosen for this benefit, but remember this feature is available once in the lifetime in the Policy.

Permanent Exclusions

Conditions or treatments that the policy clearly says it will not cover.

Expenses related to any admission primarily for diagnostics and evaluation purposes are excluded.

Diagnostic expenses not related or incidental to current diagnosis and treatment are excluded.

Expenses for admission primarily for bed rest and not for treatment are excluded.

Custodial care at home or in a facility for help with daily activities is excluded.

Services for terminally ill individuals addressing non-medical needs are excluded.

Disclaimer: For illustration purposes only - exact terms are in the policy wording.

Specific Illness

The following illnesses are not covered under the policy for 2 years.

Cataract

Glaucoma

Refractive Error Correction

Sinusitis

Rhinitis

Waiting Period

30 days Initial waiting period

2 years Specific illness waiting period

3 years Pre-existing disease waiting period

Ditto's Take

Ditto's Take

Standard

After a close look at the waiting periods, it’s safe to say they are fairly standard.

What's missing in the policy

Maternity benefits not offered.

Doctor consultations are not covered. Need to opt add-on for doctor consultations.

Customer Reviews

P

Priya Sharma

Love the HealthReturns feature! Getting 50% premium back just for staying active is amazing. Motivates me to keep fit.

R

Rohan Kumar

Finally, a plan that includes mental health support. So important these days. Cashless hospitalization was also very smooth.

A

Ananya Patel

The domestic emergency assistance came in really handy during a recent trip. Plus, the early bird discount was a nice bonus!

S

Sameer K.

While the features are good, I wish the activity tracking was optional. Not everyone is super tech-savvy.

K

Karan P.

The Activ Health app is a bit clunky sometimes. Thoda user-friendly hona chahiye tha for tracking activities.

A

Arjun Gupta

Got a good family discount. The plan is quite versatile and the unlimited sum insured restoration gives peace of mind.

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Frequently Asked Questions

Does Activ Fit Plus have waiting periods?

Yes. Activ Fit Plus imposes 3 kinds of waiting periods -
  • 30-Day Waiting Period: Hospitalizations won’t be covered for the first 30 days of the policy unless it’s an accident.
  • Specific Illness Waiting Period: There’s a 2-year waiting period for a list of diseases which is a mandate before you can start claiming.
  • Pre-Existing Disease Waiting Period: There's a 3-year waiting period for any pre-existing disease you may have while buying the policy.

Does Activ Fit Plus have room rent restrictions?

No. Activ Fit Plus lets you stay in any room available in the hospital - Single Private Room, Share Room, Deluxe Room, etc.

    Does Activ Fit Plus offer a restoration benefit?

    Yes, Activ Fit Plus does offer a restoration benefit. Your sum insured gets reinstated back to 100% any number of times you make a claim, in a policy year.