Aditya Birla Group Health Insurance Plans – Benefits & Premiums
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Aditya Birla Group Health Insurance

The Aditya Birla Group offers several health insurance options, includ ...Read More

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

About Aditya Birla Group Health Insurance

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

Aditya Birla Group health insurance offers options like Aditya Birla Group Activ Health, Activ Secure, and Activ Travel. Group health insurance by Aditya Birla includes features like day 1 coverage, tailor-made plans for business needs, health returns up to 30%, no medical underwriting, and more. The insurer has consistently demonstrated reliability, especially with its latest claim settlement ratio of 92.97% for FY 2024-25.

Aditya Birla group health plans are designed for personalized business needs. Read the article below to explore the inclusions, exclusions, features, and benefits of the Aditya Birla Group plans.

Plan at a glance

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

Entry age
Day 1 to no limit
Plan type
Group Health Insurance
Waiting period
NA
Renewability
NA
Policy term
NA

*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

  • 92.97% claim settlement ratio
  • Day 1 coverage
  • Up to 30% health returns

Cons

  • 24-month waiting for specific ailments
  • Limited infertility coverage
  • Some add-ons require extra premium

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 Not covered
  • Automatic restoration of SI Covered
  • Daily hospital cash Covered

Family & special care

  • Maternity cover Covered
  • New-born baby cover Covered
  • IVF treatment Covered
  • AYUSH treatment Covered
  • Organ donor expenses Covered

Modern & preventive care

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

Conditions & global

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

Aditya Birla Group Health Plan Benefits

Listed below are the benefits of Aditya Birla Group Health plans.

  • Medical bills are covered for the employee and family members by the organization
  • Helps in retaining talented and valuable employees in the organization
  • Tax benefits are available if you pay group health premiums under section 80D of the Income Tax Act, 1961.
  • Hassle-free cashless claim settlement
  • Additional riders/ benefits available for personalized coverage
  • Optional co-pay and other benefits are available to reduce overall premium costs

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

  • Hospitalization due to war, riot, strike, and nuclear weapons
  • Intentional self-injury
  • AIDS
  • Miscarriage and abortion
  • Congenital disease
  • Infertility and in vitro fertilization

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Adults: 18 to 65 years
  • Children: 91 days+
  • Up to: 6 family members
  • Renewal lifelong

Other features & benefits

Conclusion

Aditya Birla Group health plans are ideal for all, with the freedom to personalize the features accordingly. Additionally, optional coverage includes a health check-up program, daily cash benefit, fitness assessment, and more. Aditya Birla Group plans emphasize wellness by rewarding policyholders for maintaining a healthy lifestyle. Their mobile app further supports this by enabling users to track health activities, access electronic health records, and locate nearby network hospitals.

Aditya Birla Group Health Insurance: FAQs

The 7 most-asked questions about Aditya Birla Group Health Insurance, answered.

Group health plans offered by Aditya Birla are Group Activ Health, Activ Secure, and Activ Travel.
The latest claim settlement ratio for Aditya Birla Health Insurance for FY 2024-25 is 92.97%.
You can connect with Aditya Birla health insurance by simply calling 1800-270-7000 or downloading their Activ Health app.
Aditya Birla Health Insurance offers cashless treatments across India with its 11,000+ network hospitals.
Yes, Aditya Birla Group health plans cover maternity and newborn expenses.
Yes, optional coverage benefits like the health check-up program, daily cash, fitness assessment, and more are available.
Tax benefits under section 80D of the Income Tax Act, 1961, are available with Aditya Birla Group Health Plans.

Conclusion

NA

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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: 9 Jul 2025 · Originally published: 9 Jul 2025

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