Aditya Birla Activ Fit Health Plan: Features, Benefits and Coverage
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Aditya Birla Activ Fit Health Plan

It is a perfect plan for youngsters who are living a healthy and fit l ...Read More

Up to 1 Cr
Sum insured
1
No. of plans
4800+
Pan India presence
96%
Claim settlement ratio
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🛡️ IRDAI Approved
⭐ 4.4/5 · 2,701 reviews
🏥 12,900+ hospitals
📊 1.88 solvency ratio
✅ 96% claim settlement

About Aditya Birla Activ Fit Health Plan

A quick read on what this Aditya Birla Health Insurance plan covers and why it might be a fit for you.

Aditya Birla Activ Fit Plan is designed to provide quality medical coverage to young individuals. The plan not only provides medical coverage but also encourages and rewards you for staying fit and active during your policy term. Aditya Birla Activ Fit Plan offers a plethora of health benefits and features to the insured individuals such as:

  • Health Returns
  • Good Health Discount
  • Maternity Expense Benefit
  • Daily Cash Benefit
  • Day Care Treatments
  • Home Treatment and more

The policy tenure is for 1, 2, and 3 years and is available as an individual and family floater plan. The minimum entry age for the Aditya Birla Activ Fit plan is 18 years for adults and 91 days for dependent children. Whereas, the maximum entry age is 45 years and 25 years for adults and dependent children, respectively. The plan offers a 10% no-claim bonus for each claim-free year, up to a maximum of 100% of your sum insured. Aditya Birla Activ Fit is available in two plan variants along with various optional coverages, value-added benefits as well as multiple discounts for families, long-term policies, and more. To understand more about the details of Aditya Birla Activ Fit plan, read the article in detail.

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
Min- 91 days, Max- 45 years
Plan type
Individual and Family Health Insurance
Sum insured options
₹5 L, ₹10 L, ₹15 L, ₹20 L, ₹25 L, ₹30 L, ₹40 L, ₹50 L, ₹75 L, ₹1 L
Waiting period
30 days
Renewability
Lifelong
Policy term
1, 2, 3 years

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Provides health rewards for keeping yourself healthy
  • gives optional benefits
  • offers maternity expense benefits.

Cons

  • Does not cover air ambulance
  • no coverage for global treatment.

What's covered

Every CMS-driven coverage flag from the plan wording — only items with a published value render below.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Covered
  • Day-care treatment Covered
  • OPD charges Covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Covered
  • Daily hospital cash Covered

Family & special care

  • Maternity cover Covered
  • New-born baby cover Covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Covered

Modern & preventive care

  • Modern treatment Covered
  • Road ambulance Covered
  • Air ambulance Not covered
  • E-consultation Not covered
  • Health check-up Covered
  • Second medical opinion Not covered
  • Vaccination Covered

Conditions & global

  • Co-payment Not covered
  • Sub-limits Not covered
  • Compassionate travel Not covered
  • Global coverage Not covered

Video reviews

Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.

Aditya Birla Health Insurance Plan Detailed Review

Aditya Birla Health Insurance Plan Detailed Review

Aditya Birla Health Insurance

Aditya Birla Health Insurance

Aditya Birla Activ Fit Plan Benefits

Aditya Birla Activ Fit Plan offers a plethora of benefits to insured individuals. Mentioned below are the same:

  • Optional Covers
    Insured individuals can avail of optional covers along with the base cover under the Aditya Birla Activ Fit plan. Some of the optional cover features include travel protection (domestic cover), premium waiver, EMI Protection, OPD Expenses, Super no-claim bonus, and more.
  • Value Added Benefits
    Aditya Birla Activ Fit encourages insured individuals to maintain a healthy lifestyle by providing multiple lifestyle-enhancing benefits. The plan provides features like health assessment, health returns, and a mental health assessment program.
  • Tax Benefits
    Aditya Birla Activ Fit Plan is eligible for tax benefits under Section 80D of the Income Tax Act, 1961. Insurance holders paying premiums towards the plan can avail of tax benefits.
  • Binge Refill Benefit
    Under this benefit, the Aditya Birla Activ Fit plan offers a refill of the sum insured unlimited times during the policy year. In case the sum insured is completely exhausted or insufficient for covering a claim due to the result of previous claims, this benefit will act as a financial safety net.
  • Multiple Discounts
    Under the Aditya Birla Activ Fit plan, insured individuals are entitled to multiple discounts such as early bird discounts, good health discounts, family discounts, and long-term discounts.

Aditya Birla Health Insurance Network Hospital List

Aditya Birla Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Aditya Birla Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

Know More About Network Hospitals →

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Exclusions

  • Permanent diseases or health conditions that are not included under the Aditya Birla Activ Fit Plan are mentioned below:
  • Obesity or weight-control related surgeries
  • Change of gender treatments
  • Maternity related expenses
  • Cosmetic or plastic surgeries
  • Treatment due to substance abuse
  • Sterility and infertility treatments
  • Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:
  • Pre-Existing Diseases 48 Months
  • Listed Ailments 24 Months
  • Aditya Birla Activ Fit health insurance plan offers multiple benefits to the insured individual and serves as an ideal plan for young individuals who want a 360-degree health insurance plan that not only covers them for medical care but also encourages them and rewards them for living a healthy lifestyle.

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Entry Age: - 18
  • Maximum Entry Age: - 65
  • SI: - 4-25 Lakh
  • Waiting Period: - 30 days

Other features & benefits

  • Health Rewards
  • Avail Multiple Discounts
  • Optional Covers Available

Aditya Birla Activ Fit Health Plan: FAQs

The 5 most-asked questions about Aditya Birla Activ Fit Health Plan, answered.

The eligibility criteria for the Aditya Birla Activ Fit health insurance plan are as follows: Minimum Entry Age - 18 Years Maximum Entry Age - 45 Years Dependent children can be covered from 91 Days to 25 years of age.
The sum insured options available under the Aditya Birla Activ Fit health insurance plan range between INR 5 Lakhs to 1 Crore.
Yes, Aditya Birla Activ Fit health insurance plan is eligible for tax benefits under the Income Tax Act, of 1961. The premiums paid towards the plan are eligible for tax benefits.
There are multiple optional coverages available under the Aditya Birla Activ Fit plan such as: Super No Claim Bonus (50% of SI per annum, maximum up to 100%). Travel Protect (Domestic Cover) wherein insured individuals are paid fixed benefit pay-out. Premium Waiver Benefit - If an insured individual is diagnosed for the first time with any of the listed (20) critical illnesses or suffers an injury due to an accident resulting in permanent total disablement, then the premium will be waived off for 1 policy year. EMI Protection OPD Expenses
Yes, maternity and newborn baby cover is available under the Aditya Birla Activ Fit health insurance plan.

Conclusion

Aditya Birla Activ Fit is a health insurance plan designed for young individuals that combines medic

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 16 Aug 2023 · Originally published: 16 Oct 2024

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