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Aditya Birla Activ Fit Plus Plan

This is an ideal plan for young individuals leading a healthy and fit ...Read More

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

About Aditya Birla Activ Fit Plus Plan

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

Stay Fit to Get Benefits! This is #FitnesskaUltimateInfluencer

With the Aditya Birla Activ Fit Plus plan, you can earn rewards and enhance your wealth!

The Aditya Birla Activ Fit Plus health plan offers a versatile range of benefits that enhance your overall well-being, whether physical, emotional, mental, or social. This plan is ideal for young adults or Gen-Zs, as it provides:

  • Basic healthcare benefits at affordable premiums
  • Rewards for staying fit and healthy
  • Unlimited sum insured refill in a policy year
  • Double the sum insured on two consecutive claim-free policy years
  • Good health discount
  • Early bird discounts
  • Cashless treatment benefits
  • Optional travel protection cover
  • Free health assessment and optional Super No Claim Bonus

Plan at a glance

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

Entry age
Min- 90 days, Max- 45 years
Plan type
Individual and Family Health Insurance
Sum insured options
₹5 L, ₹10 L, ₹25 L, ₹50 L, ₹70 L, ₹85 L, ₹1 L
Waiting period
30 days
Renewability
Lifetime
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

  • Pre-hospitalization cover
  • Post-hospitalization cover
  • Modern treatment cover
  • Organ donor cover

Cons

  • Obesity/weight control
  • Change of gender treatments
  • Hazardous or adventure sports
  • External providers
  • Beauty/cosmetic 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 Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Covered

Modern & preventive care

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

Aditya Birla Health Insurance

All that you need to know about Aditya Birla Health Insurance!

Features of Activ Fit Plus Plan

  • Earn up to 50% HealthReturns™ by staying healthy and fit
  • Up to 10% upfront good health discount on the first premium
  • Up to 10% early bird discount if below 35 years of age from the 8th policy tenure onwards
  • Optional travel protection cover for baggage loss, trip cancellation charges, etc.
  • Tax benefit under section 80D of the Income Tax Act

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

  • No cover during the initial waiting period of 30 days, except for accidents
  • Self-inflicted injury
  • Suicide attempt or suicidal act
  • Adventure or hazardous activities
  • Acts of war
  • Childbirth or related complications
  • Alcoholism, drug abuse leading to health complications or treatment
  • Non-allopathic treatments
  • Parkinson's disease, stem cell therapy, etc.
  • Diagnostic expenses
  • Investigation and evaluation
  • Hearing aids, spectacles/contact lenses, optometric therapy, multifocal lenses, etc.
  • Gender change treatment
  • Obesity management/weight control
  • Cosmetic treatments and beauty surgeries
  • Criminal intent or breach of law
  • Treatment outside India or external hospital networks

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Entry Age: - 91 days
  • Max Entry Age: - 45 years
  • SI: - 5 L - 1 Cr
  • Waiting Period: - 30 Days

Other features & benefits

How can I earn HealthReturns™ with the Activ Fit Plus plan?

  • Step 1: Take a health assessment and get your heart score
  • Step 2: Walk 10K steps/day, earn 1 Active Dayz™ or workout for 30 minutes to burn 300 calories/day
  • Step 3: Earn up to 30% HealthReturns™ on completing 13 Active Dayz™/month
  • Step 4: Avail up to 20% additional HealthReturns™ on completing 275 Active Dayz™/year

Where can I use my Activ Fit Plus HealthReturns™?

  • Use HealthReturns™ to pay the next premium of your policy
  • Buy medicinal drugs/prescribed medications from the insurer's networking partners
  • Pay for diagnostic tests at network hospitals
  • Use as a health contingency in times of medical need

Aditya Birla Activ Fit Plus Plan: FAQs

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

Yes, you can buy this policy as an individual plan as well and the minimum entry age for buying this policy is 5 years.
Yes, PEDs are covered after a waiting period of 48 months.
Call our health insurance experts and buy your Activ Fit Plus insurance after understanding all the aspects of this plan.
It means a 10% upfront good health discount, up to 50% HealthReturnsTM, and upto 100% of unlimited sum insured refill.
Activ Health application maintains a wellness ecosystem that helps you keep track of your health, contact healthcare experts, record daily activities, book health check-ups, and so on.

Conclusion

Activ Fit is a health insurance plan that combines medical coverage with wellness rewards.

Explore Aditya Birla Health Insurance

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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: 5 Jul 2024 · Originally published: 16 Oct 2024

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