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Aditya Birla Health Insurance Review
Aditya Birla Health Insurance
Aditya Birla Health Insurance
Aditya Birla Health Insurance is a well-known health insurance company in India that offers plans to help you manage ...Read More
12,900+
Cashless hospitals
96%
Claim settlement
1 Cr
Max sum insured
18
Active plans
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,701 reviews
🏥 12,900+ hospitals
📊 1.88x solvency ratio
✅ 96% claim settlement
What you get with Aditya Birla Health Insurance
The headline features and policy mechanics, at a glance.
Sum insured up to 1 Cr
Coverage scales from entry-level individual plans to high-end family-floater protection.
12,900+ cashless hospitals
Direct billing at network hospitals across 4800 presence — no out-of-pocket payment at admission.
96% claim settlement
Industry-leading approval rate on eligible claims received in the most recent fiscal year.
1.88x solvency ratio
Well above IRDAI's 1.5× floor — strong indicator of long-term claim-paying ability.
18 active plans
Choose from individual, family floater and senior-citizen variants to match your household.
About Aditya Birla Health Insurance
A quick overview of the insurer — parent group, brand history, and where they sit in the Indian health-insurance market.
Aditya Birla Health Insurance Overview
Aditya Birla Health Insurance offers comprehensive health plans that go beyond basic hospitalization, covering modern treatments, wellness benefits, and high-value claims support. With a strong claim settlement ratio of around 96% and popular plans like Activ One, it is a reliable choice for individuals and families looking for flexible and long-term health coverage in India.
It is a joint venture between Aditya Birla Capital Ltd. (ABCL) and MMI Holdings of South Africa.
If you are looking for a health plan for yourself, your spouse, or your elderly parents, your search ends with Aditya Birla Health Insurance. With a customer base of more than 2.5 crore, Aditya Birla Health Insurance is a suitable choice for health insurance.
Key Highlights:
- 11000+ Network Hospitals
- 96% Claim Settlement Ratio
- Chronic Disease Management Covered
- Health Coach Available
- 24X7 Customer Support
Features that set them apart:
- Served more than 2.5 crore customers
- A comprehensive chronic management program to promote a healthy lifestyle
- Presence in more than 4800 cities
- International travel for treatments
- Unlimited teleconsultations
Aditya Birla Health Insurance Awards and Accolades
- Best Health Insurance Company of the Year
- Best Group Insurance Growth
- Best Talent Diversity and Culture Initiative
- Excellence in Claims Service
- Best Product Innovation - BFSI
Choose Aditya Birla Health Insurance Coverage of Your Choice
Select a sum insured option below to compare health plans matching your coverage need.
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences, and a recommendation on who should buy.
Aditya Birla Health Insurance Plan 2023
Aditya Birla Health Insurance Plan Detailed Review
Aditya Birla Health Insurance
All 18 Aditya Birla Health Insurance plans
Every plan currently being sold by Aditya Birla Health Insurance, shown side-by-side so you can shortlist quickly.
Aditya Birla Group Health Insurance
Aditya Birla Group health insurance offers options like Aditya Birla Group Activ Health, Activ Secure, and Activ Travel. Group health insur…
- 92.97% claim settlement ratio
- Day 1 coverage
- Up to 30% health returns
Aditya Birla Activ One VYTL
A plan designed for every lifestyle. Aditya Birla Activ One VYTL is a comprehensive health insurance plan designed for individuals with spe…
- Non-medical expenses covered
- Mental illness covered
- Obesity treatment
- Home healthcare
Aditya Birla Activ One Max Plan
Activ One MAX is another variant of Aditya Birla's Active One policy. There are many notable features of this plan, such as its flexibility…
- Cover your extended family
- High sum insured options
- 30 days waiting period
Activ Health Platinum Essential
Aditya Birla Activ Health Platinum Essential Plan is ideal if you seek a health insurance cover that protects against chronic illnesses, pr…
- Health returns cover
- Chronic management program
- Mental illness cover
- Home care treatment
Activ Health Platinum
Activ Health Platinum, a health product by Aditya Birla Health Insurance Company, is a health insurance plan designed to look after the hea…
- Post-hospitalization physiotherapy
- Health coach benefit
- One premium waiver
- Health assessment
Aditya Birla Activ Assure Diamond+ Super Top-Up Plan
Is there a health plan that covers exceeding medical expenses without letting you worry about its limit? Well, Aditya Birla Activ Assure Di…
- Cover for hospitalization expenses like COVID-19
- Home treatment expenses
- Over 586 daycare procedures covered
Aditya Birla Arogya Sanjeevani Plan
Aditya Birla Activ One is a comprehensive health insurance plan that offers wide medical coverage along with wellness benefits. It covers h…
- All daycare procedures
- AYUSH treatment
- Cataract expenses covered
Aditya Birla Global Health Secure Plan
Aditya Birla Global Health Secure is an international health insurance plan designed to cover treatment for major critical illnesses outsid…
- In-patient treatment cover
- Post-hospitalization cover
- Accommodation expenses
- Travel expenses cover
Aditya Birla Activ Fit Plus Plan
Stay Fit to Get Benefits! This is #FitnesskaUltimateInfluencer With the Aditya Birla Activ Fit Plus plan, you can earn rewards and enhance …
- Pre-hospitalization cover
- Post-hospitalization cover
- Modern treatment cover
- Organ donor cover
Aditya Birla Active Care Standard Plan
The Aditya Birla Active Care Standard Plan is designed for senior citizens who need strong and regular medical support. It covers hospitali…
- In-patient hospitalization
- Daycare treatment
- Domiciliary hospitalization
- Sum insured restoration
Aditya Birla Activ Health Platinum Premiere
The Activ Health Platinum Premiere plan is a variant of the Aditya Birla Activ Health insurance plan. It protects you from health emergenci…
- Annual health check-up
- Pre-hospitalization cover
- Post-hospitalization cover
- Daycare procedure
Aditya Birla Activ One
Aditya Birla Activ One plan is available as an individual and family floater plan offering customized features and benefits. Read further d…
- Chronic illness covered
- double coverage
Aditya Birla Activ Care Classic Plan
Aditya Birla Activ Care Classic is designed for senior citizens who need both medical coverage and day-to-day healthcare support. It covers…
- 360 degrees support to seniors
- Cashless home treatment
- 586 category of daycare procedures
Aditya Birla Activ Secure Critical Illness Plan
Aditya Birla Activ Secure Critical Illness Plan is designed to cover your financial losses due to treatment for critical illness. The plan …
- 64 Critical Illnesses Covered
- Replace Loss of Income
- Short Survival Period
Aditya Birla Activ Fit Health Plan
Aditya Birla Activ Fit Plan is designed to provide quality medical coverage to young individuals. The plan not only provides medical covera…
- Provides health rewards for keeping yourself healthy
- gives optional benefits
- offers maternity expense benefits.
Aditya Birla Activ Health Platinum Enhanced
Aditya Birla Platinum Enhanced Plan offers unique healthcare benefits such as health insurance protection with wellness benefits and chroni…
- Earn 100% health returns
- Cover for dental consultations
- Modern treatment cover
- Wellness coach
Aditya Birla Personal Accident Plan
Aditya Birla Activ Secure Personal Accident Plan is designed to protect you and your family in case of any unforeseen incident. The plan of…
- Total and partial disability cover
- Accidental death cover
- No claim bonus
- Ambulance cover
Aditya Birla Cancer Health Plan
Aditya Birla Cancer Secure health plan is designed specifically for cancer patients, protecting them financially from all three stages of c…
- Covers 3 stages
- 150% of SI
- 10% no claim bonus
- High SI
Quick comparison
Side-by-side across the 3 most-bought Aditya Birla Health Insurance plans on PolicyX.
| Feature | Aditya Birla Group Health Insurance | Aditya Birla Activ One VYTL | Aditya Birla Activ One Max Plan |
|---|---|---|---|
| Plan type | Group Health Insurance | Individual and Family Health Insurance | Individual and Family Health Insurance |
| Sum insured | Unlimited | INR 2 Lacs, 3 Lacs, 4 Lacs, 5 L… | 5 L, 10 L, 20 L, 50 L, 1 Cr, 2 … |
| Entry age | Day 1 to no limit | 18 years | 18 years to no limit |
| Top benefits | 92.97% claim settlement ratio · Day 1 coverage | Non-medical expenses covered · Mental illness covered | Cover your extended family · High sum insured options |
What's covered — and what's not
The standard inclusions and exclusions across Aditya Birla Health Insurance plans. Specific plans may add benefits — always check the policy wording before purchase.
✓ Inclusions
- Aditya Birla Health Insurance understands the impact of medical inflation, so they have made sure that their insurance products contain pre and post-hospitalization expenses related to in-patient hospitalization.
- Most Aditya Birla Health Insurance plans have in-built alternative treatment cover which you can utilize to your benefit. AYUSH treatments include Ayurveda, Unani, Siddha, and Homeopathy treatments.
- Aditya Birla health insurance plans cover your hospital expenses like room rent, ICU charges, surgery expenses, doctor consultations, and other such expenses.
- Multiple procedures do not require 24-hour hospitalization. With this in mind, a majority of Aditya Birla health insurance plans are designed to cover daycare procedures for policyholders.
- On a doctor’s recommendation, a policyholder can avail of medical care in the comfort of their home. Aditya Birla health insurance plans cover domiciliary hospitalization up to specified sub-limits.
✗ Exclusions
- Aditya Birla's health policies will not cover injuries or hospitalization caused by self-harm.
- Aditya Birla Health Insurance plans do not cover any kinds of cosmetic surgeries or treatments.
- Aditya Birla Health Insurance plans will not cover you for hospitalizations or accidents caused due to adventure sports.
- Aditya Birla Health Insurance plans mostly do not cover treatments related to obesity and weight management such as bariatric surgeries.
- Aditya Birla health insurance company plans do not cover individuals or families for hospitalization or injuries caused due to unlawful activities.
Documents required
For policy purchase and claim submission. Have these ready before you start.
- Duly completed and signed claim form (original)
- Valid photo-ID proof
- Medical practitioner's referral letter and prescription
- Original bills, receipts, and discharge summary from the hospital/medical practitioner
- Original bills from pharmacy/chemists
- Original pathological/diagnostic test reports, radiology reports, and payment receipts
- Indoor case papers
- First Information Report (FIR) and final police report, if applicable
- Post-mortem report, if conducted
- Any other document required by the company to assess the claim
Waiting periods
When specific benefits become claimable after policy start.
What Are The Different Waiting Periods In Aditya Birla Health Insurance Plans?
Initial Waiting Period
Begins from the date of policy purchase and lasts for up to 30 days for most Aditya Birla Health Insurance plans.
Pre-existing Disease Waiting Period
Aditya Birla Health Insurance plans require you to serve specific waiting periods if you are diagnosed with Pre-Existing Diseases (PEDs) such as hypertension, diabetes, or other specified conditions.
Survival Period
Like waiting periods, Aditya Birla health insurance plans with critical illness coverage have a survival period. During this period, policyholders diagnosed with any listed critical illness must survive this period to be eligible for coverage benefits.
12,900+ cashless hospitals
Find a Aditya Birla Health Insurance network hospital near you. Direct billing — no out-of-pocket payment at admission.
Buy, claim, renew, port — step-by-step
Step-by-step guides for the four moments that matter most in your policy lifecycle. Click a tab to switch.
If you are looking forward to purchasing Aditya Birla Health insurance online, follow these simple steps:
Step 1: Visit the PolicyX health insurance page, and enter your details such as name, age, number of members to be covered, and city.
Step 2: Click on 'Get free quotes' and compare Aditya Birla Health Insurance Plans as per your needs.
Step 3: Select and pay premiums online for the Aditya Birla health insurance plan of your choice.
Step 4: Our team of insurance experts at PolicyX will provide you with all the assistance required regarding claims and other queries post-purchase of your Aditya Birla Health Insurance plan.
You can file for cashless as well as reimbursement claims for your Aditya Birla Health Insurance Plans by following these easy steps:
Step 1: Visit the website of Aditya Birla Health Insurance, and select the "Claim" option. Then click on "Claim Intimation" to check out the form.
Step 2: Select "health claim" and provide information such as policy number, date of birth, and other requested details.
Step 3: Select the "claim type," whether you want to opt for a cashless claim or reimbursement. Click on authorize, and you will receive an OTP on the verified number.
Step 4: Get verified with the OTP and fill in the required hospital admission information, select the hospital, and fill in the hospital details in case of a non-network hospital.
Step 5: Upload the requested documents and click on the "review" button.
Step 6: After clicking on the review button, submit the intimation for the company to review. You will receive a claim intimation number which you need to note down for future purposes.
Follow these steps for Aditya Birla Health Insurance policy renewal:
Step 1: Visit the official website of Aditya Birla Health Insurance Company.
Step 2: Click on the ‘Renew’ tab.
Step 3: Mention your ‘Policy Number’ and ‘Date Of Birth’.
Connect with our insurance experts for Aditya Birla health insurance policy renewal at 1800-4200-269.
To port your existing policy to Aditya Birla health insurance, follow the steps mentioned below:
Step 1: Fill out the portability form and submit the application to Aditya Birla Health Insurance Company at least 45 days before your existing health plan's renewal date.
Step 2: As per the guidelines of IRDAI, the new insurance company will verify your medical and claims history with the previous insurer within 7 days of receiving the portability form.
Step 3: Once the policyholder's details are verified, the new insurance company must communicate its decision – approval or rejection – within 15 days.
Compare and calculate the best Aditya Birla health policies with the PolicyX premium calculator using these simple steps:
Step 1: Visit the PolicyX website.
Step 2: Fill in details such as name, number of family members to be covered, city, and other information.
Step 3: Click on 'Get Quotes'.
Frequently asked questions
The 15 most-asked questions about Aditya Birla Health Insurance, answered.
Yes. One can avail of the cashless facility under both the variants of Activ Health Platinum Plan (Activ Health Enhanced and Activ Health Essential), provided that the hospital chosen should fall under the Aditya Birla Health Insurance network hospitals.
No, the company is not liable to pay any claim that occurs during the grace period.
No, there are no sub-limits for the room rent & ICU under the Activ care policy. The insured gets the rooms based upon the plan (s)he has chosen.
Under this plan, the policyholders have the freedom to choose their preferred room types. However, the option is applicable only on the sum insured of Rs. 5 Lakhs or above.
Yes, there are some plans such as Aditya Birla Active Health that offer maternity coverage. This policy covers the maternity-related expenses incurred on both the mother and the baby, vaccination, etc.
You can port your Aditya Birla Health Insurance plan at the time of renewal. All you need to do is intimate the company with the below-mentioned documents that are required to be presented for portability in Aditya Birla Health Insurance: Plan’s proposal form Portability form Copy of expiring health insurance policy Copy of renewal notice
To view or edit your policy you need to follow the simple process: Click on customer support->View/Change Policy Details->Member Details ->Edit->Date of Birth->Save
Follow the steps given below for the claim process: Check the list of network hospitals from Aditya Birla’s website. At the network hospital, show the cashless card of Aditya Birla Capital Health Insurance and valid ID proof like Passport, PAN Card, Voting card, etc. After the identification is done, the network hospital will send the cashless hospitalization request form to Aditya Birla. (For planned hospitalization, the form needs to be submitted 3 days in advance. For emergency cases, it needs to be submitted within 48 hours after hospitalization). Aditya Birla will review the form. After completion of the formalities, the decision will be forwarded to you through SMS and E-mail. Once done, the payment will be made to the network hospital.
With the help of an online calculator, one can easily check their Aditya Birla Mediclaim policies premium. With this calculator, one can calculate their premium online and can get an idea of how much he needs to pay annually.
With over 10051+ network hospitals, Aditya Birla Health Insurance company ensures to offer you a stress-free cashless facility.
Aditya Birla Health Insurance does not offer any separate health insurance plan for kids. But, they can be covered with their parents either on an individual or a floater basis.
Request for reimbursement claim should be submitted within 15 days of getting a discharge from the hospital or clinic.
Aditya Birla Health Insurance settles claims, including the rejection, within 7 working days of receiving necessary documents, but not more than 30 days.
To get a list of network providers of Aditya Birla, visit the Network hospital page of policyX.com. Fill in your details and the page will show the network hospitals in your vicinity.
The company has made a free Health Assessment test called the MER (including blood pressure, body mass index, smoking status, and HWR), fasting blood sugar, and total cholesterol, which will be performed at least once per policy year in order to calculate the Healthy Heart Score.
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Customer satisfaction
Aggregate ratings from 2,701 verified PolicyX customers who bought a Aditya Birla Health Insurance plan.
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PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
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