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Aditya Birla Arogya Sanjeevani Plan

The IRDAI-mandated health insurance policy offers coverage for hospita ...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 Arogya Sanjeevani 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 One is a comprehensive health insurance plan that offers wide medical coverage along with wellness benefits. It covers hospitalization expenses, including pre and post medical costs, daycare treatments, home healthcare, and modern procedures.

The plan stands out with features like HealthReturns™ rewards, Super Credit (increasing sum insured), and unlimited reload, helping enhance coverage over time.

Overall, it is suited for individuals and families looking for strong health protection within an affordable health insurance policy that has added long-term value through wellness-linked benefits.

This page provides all related to the Aditya Birla Arogya Sanjeevani Policy, read further to know more about the same.

Plan at a glance

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

Entry age
Min- 3 months, Max- 65 years
Plan type
Individual and Family Health Insurance
Sum insured options
₹1 L, ₹2 L, ₹3 L, ₹4 L, ₹5 L
Waiting period
30 days
Renewability
Lifelong
Policy term
1 Year

*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

  • All daycare procedures
  • AYUSH treatment
  • Cataract expenses covered

Cons

  • Domiciliary hospitalization
  • OPD charges
  • Automatic restoration

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 Not covered
  • Day-care treatment Covered
  • OPD charges Not covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Not covered
  • Daily hospital cash Not covered

Family & special care

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

Modern & preventive care

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

Conditions & global

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

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 Aditya Birla Arogya Sanjeevani Policy are:
  • Investigation & Evaluation
  • Rest cure, rehabilitation, & respite care
  • Obesity/weight control
  • Change of gender treatments
  • Maternity expenses and newborn care
  • Unproven treatment, sterility/infertility
  • Treatment taken outside India
  • Hazardous/adventure sports/life-threatening activities
  • Plastic/cosmetic surgery
  • Breach of law
  • Suicide or self-inflicted injury
  • Any expenses incurred on Domiciliary Hospitalization and OPD treatment
  • Treatment for alcoholism, drug or substance abuse
  • Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:
  • Specific illnesses (Hernia, Piles, Cataract and age-related eye ailments, Varicose veins etc): 24 months
  • For joint replacement treatment or Age-related Osteoarthritis & Osteoporosis: 48 months
  • Pre-existing diseases: 48 months

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Min entry age: 18 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 5 L

Other features & benefits

Summary

Are you searching for a health insurance policy that covers basic healthcare facilities at an affordable premium? Worry not!

Aditya Birla Arogya Sanjeevani policy has got you covered for all the medical care benefits such as ambulance for emergency hospitalization, pre and post-hospitalization, daycare procedures, AYUSH treatment cover, room rent and ICU charges, COVID-19 expenses cover, and much more.

So, what are you waiting for? Call us at 1800 4200 269 and get the quotations for the Arogya Sanjeevani Aditya Birla health insurance plan only at PolicyX.

Aditya Birla Arogya Sanjeevani Policy: FAQs

The 5 most-asked questions about Aditya Birla Arogya Sanjeevani Plan, answered.

It provides a cashless treatment facility for several basic healthcare services such as pre & post-hospitalization, daycare procedures, AYUSH treatment, and so on.
No, the Aditya Birla Arogya Sanjeevani policy does not cover maternity or newborn care expenses.
You can include your parents in a family floater plan upto the age of 65 years.
Arogya Sanjeevani policies are generally basic health insurance plans that come with lower sum insured options, no riders available, fewer coverage benefits, limited room rent capping, and so on.
Yes, networking hospitals provide cashless treatment facilities under this insurance policy.

Conclusion

Aditya Birla Activ One is a comprehensive health insurance plan that combines medical coverage with

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: 30 Jan 2025 · Originally published: 30 Jan 2025

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