Sehwag PX
Aditya Birla Health Insurance
  • Get Free Health Assessment
  • Tax Benefits u/s 80D
  • Worldwide Emergency Services
  • Discount on Long Term Policy
  • 5000+ Network Hospitals
- / 5 ( Total Rating)

#Virukipolicy | T&C*

Get Quotes From Top Insurers



Cover For
D.O.B (eldest member)



Please Enter Other Details
Phone No.

By proceeding you are accepting our T&C and privacy policy

Aditya Birla Health Insurance

Aditya Birla Health Insurance is a well-renowned name in the field of insurance. It offers a vast range of different insurance and its Health insurance is one of the most preferable and required insurance plans. Most of the customers go for Aditya Birla Health Insurance as it offers and covers different forms of illness and requirements at affordable prices. It is designed as per the needs of the time. Aditya Birla Health Insurance is emerging as a shining star in the Indian health insurance market. Aditya Birla Health insurance is established in partnership with South Africa based MMI Holdings Ltd, which owns a 49% stake. MMI Holdings Ltd has a legacy of 122 years which increase more trust of consumers in the Aditya Birla Health Insurance Plans.

At Aditya Birla Health Insurance, they assure the understanding of diverse healthcare needs of customers around the corner according to time. It is designed in order to offer a wide range of health benefits so that you can take care of your health and your family. This is the smart age, and smart technology is becoming the soul of the young generation. Aditya Birla Health Insurance Ltd helps customers to choose and live a healthier lifestyle by providing digitally integrated, incentivised, wellness program as a part of comprehensive health care which motivates many customers.

Highlights of Aditya Birla Health Insurance Company

Number of Network Hospitals 10000+
Claim Settlement Ratio 89.05%
Portability Available
Renewability of the Policy Lifelong renewal
Additional Rider Benefit available Available
Health wellness program Wellness coaching and wellness fitness centres

Benefits of Aditya Birla Health Insurance

There are many other health insurance policies in the market who promised to strongly focus on offering valuable and better service to the consumers but often forget their aim in the race of profit. Aditya Birla Health Insurance provides hassle-free and promising health insurance solutions but also have proven the same. Aditya Birla Health Insurance has researched the need and requirement of consumer thoroughly and then crafted its health insurance plans, keeping various factors in mind. There are many health insurance plans which not only benefit the individual but also their families, groups and loved ones.

High Sum Assured – Aditya Birla Health Insurance plans come with a high sum assured amount which may range from Rs.10 lakh, up to Rs.2 crore for comprehensive plans which help and assist policyholder holder to take care of rising medical expenses.

Features Of Aditya Birla Health Insurance

Longer Plan Terms - Aditya Birla Health Insurance range from one year to 3 years which ensures the policyholder to be free from the hassle of renewing health insurance policy every year.

Cover for Pre/Post Hospitalisation Expenses – As medical expenses are touching the sky, hospitalisation charges are something that burns hole in the pocket of a middle-class person.Aditya Birla Health Insurance plans provide cover for pre and post hospitalisation charges for the duration of the insurance policy.

Hospitalisation Expenses Coverage – Aditya Birla Health Insurance plans not only offer free and post hospitalisation expenses coverage but also as per your plan you can also avail cover for extra treatments like ICU charges, room rent in hospital, operating room charges, medicinal charges, and other patient’s treatments.

No Minimum 24-Hour Hospitalisation- With Aditya Birla Health Insurance you can choose the plan that also offers coverage of day care surgeries or other procedures which do not require any hospitalisation for over 24 hours. Advance technology such as dialysis does not require hospitalisation for more than 24 hours but cost too much.

Tax Benefits – Aditya Birla Health Insurance along with the health insurance coverage offer various attractive tax relief benefit to policyholders under the provisions of section 80 D of the income tax act, 1961.

Free Health Checkup- Aditya Birla Health Insurance policy offers free annual health checkup that can be availed by any policyholder above 18 years.

Riders - There are many features of Aditya Birla Health Insurance and along with other features, there are various other additional value-added services. Customers can avail additional value-added services at extra cost. These Riders may include the option for critical in the world, health return reward, service of a wellness coach and etc depending on what value the policyholder choose and what is required.

Flexible Plan Option – Aditya Birla Health Insurance of various plan which customer can choose as per their requirement. These plants can be chosen for an individual, the family is all groups. Benefits or cover which is offered under the plan can also be chosen as per the needs accordingly for examples personal accident, critical illness and etc.

Network Hospitals – Many health insurance policies offer attractive coverage but when you are in need you come to know that most of the hospitals are not covered under your health insurance policy. Aditya Birla Health Insurance Company has a big network of hospitals and doctors in cities/towns. One can check the list of the same in the policy’s document.

Aditya Birla Health Insurance Plans

Aditya Birla Health Insurance offers a wide range of health insurance plans. These health insurance plan covers almost everything that you require.

All plans are designed to offer a broader and wholesome coverage. They offer a wide range of health benefits to take care of the policyholder and family.

Plan Name Entry Age Plan Basis (Individual, family, etc.) Sum Insured (Min and Max) Policy Term
Activ Health Essential From 91 days; no upper limit Individual and Family Min: Rs.50,000
Max: Rs.10 lakh
1 to 3 years
Activ Health Enhanced From 91 days; no upper limit Individual and Family Min: Rs.2 lakh
Max: Rs.2 crore
1 to 3 years
Activ Secure - Personal Accident No limit Individual Varies 1 year
Activ Secure - Critical Illness No limit Individual Varies based on different plans 1 year
Activ Secure - Hospital Cash No limit Individual Varies based on the cash amount and the duration chosen 1 year
Activ Secure - Cancer No limit Individual Varies 1 year
Activ Assure - Diamond From 91 days; no upper limit Individual and Family Up to Rs.2 crore 1 to 3 years
Group Activ Health No limit Individual and Family Varies 1 year

1. Activ Health Enhanced

Activ Health Enhanced is designed in order to maintain the well being of your loved. It offers various unique benefits such as health return, reloads of sum assured, choice of the hospital room and chronic management program and etc.

Key Benefits of Activ Health Enhanced

  • Activ Health – Enhanced offer policy for a tenure of 1,2, or 3 years
  • The policyholder has the flexibility of choosing benefits such as hospital room choice.
  • Activ Health insurance offers cover for pre-hospitalisation and cost of the lies Asian expenses. It also offers hospital cash benefit under it.
  • It offered additional benefits including a committed services, second-year opinion on critical illness, and free of cost health check-up, in emergency situation assistant service across seas.
  • There is no limit of maximum age to avail benefit.
  • On every claimless year, the insured will be liable to get a bonus in the form of increased insured sum of 20%,
  • According to the life stage, the insured will get a free health checkup yearly.
  • In case where the insured is required to stay longer in the hospital, ancillary expenses such as attendant charges, to and fro travel from the hospital, will be offered in the form of a lump sum amount.
  • In case where the insured faces an emergency outside from India, he/she would be liable for emergency assistance services and such services will be available globally.
  • A chronic management program is there to take care of patients who are suffering from suffering from illnesses such as high cholesterol, diabetes, hypertension, and asthma.
  • A wellness expert-cum-coach will be provided to make sure that the insured meets his/her fitness goals.
  • To get discounts on the premium, the insured can go for the deductible option of Rs.25,000, Rs.50,000, Rs.1 lakh, Rs.2 lakh, Rs.3 lakh, Rs.4 lakh, and Rs.5 lakh.
  • By staying fit, the insured can earn several rewards in the form of cashback or incentives.
  • Daily cash allowance of up to Rs.5,000 will be there as per the needs.
Entry age From 91 days- no upper limit
Family floater cover Cover 9 members including dependent parents and parents-in-law
Sum insured Rs.2 lakh to Rs.2 crore
Recovery benefit Up to 1% of the sum insured subject to a maximum of Rs.10,000
Cumulative bonus Up to 20% per claim-free year subject to a maximum of 100%
Day care treatment Available for several procedures like dialysis

2. Activ Health Essential

Activ Health Essential is just not a health insurance plan, it is a well-designed program which is taken towards a healthier life. Activ Health Essential offers a comprehensive cover to take care of various needs of customers and rewards for maintaining a healthy lifestyle. It allows insured to earn up to 30 percent of policy premium as health returns.

Benefits and features

  • The Activ health essential plan offers comprehensive coverage to the policyholder and policyholder is also rewarded for maintaining his/her good health.
  • There is no maximum age to avail benefit of health insurance plan but the minimum age is 91 days.
  • If you are under 25 years then you will be covered under the plan as dependents. The floater health insurance plan may cover up to 9 members of the family. It can have 6 adults and 3 children.
  • Unique features of Activ health enhanced – Activ health enhanced offer protection with some insured up to Rs.2 crore.
  • Policyholders with some assured of Rs.7 lakh and above are offered a choice of room category.
  • This plan also covers the recovery benefit for various ancillary expenses such as travelling expenses, 10 and fees etc of the policyholder.
  • This insurance policy also offers worldwide is an emergency assistance service that ensures assistance across the world medically
  • The bonus of 10% of the total sum insured for every claim free year of the policyholder is offered. Maximum accumulation of hundred percent of the sum assured is offered.
  • It offers cover for pre-hospitalisation medical expenses for 30 days and post hospitalisation medical expenses for 60 days.
  • In case of an emergency the cost that occurred on transportation such as Ambulance etc to reach hospital is totally covered by a network provider.
Entry age 91 days- no upper limit
Family floater cover Coverage for 9 members including dependent parents and parents-in-law
Sum insured Rs.50,000 to Rs.10 lakh
Copayment Mandatory copayment of 20%
Cumulative bonus Up to 10% per claim-free year subject to a maximum of 100%
Pre-hospitalisation expenses Up to 30 days prior to the date of hospitalisation
Post-hospitalisation expenses Up to 60 days after discharge from the hospital

3. Activ Assure Diamond

Activ Assure Diamond plan is an exclusive plan launched by Aditya Birla Health Insurance Company and was designed with the intention of protecting the insured and his/her family from different medical exigencies. It also ensures that all its customers should live a healthy life and thus offer many rewards program for staying fit. It offers comprehensive cover to take care of all expenses associated with any medical treatment.

Benefits and Features –

  • The activist had time and plan offer 150% load of some insured for a subsequent claim due to an unrelated illness. It is maximum up to Rs.50 lakhs.
  • It even covers international emergency assistance services along with the domestics. Facilities such as air ambulance are also covered under this plan.
  • Hospitalisation for more than 24 hours due to any unforeseen emergency is also covered with expenses cover for room rent, doctors fees operation theatre expenses, drugs, medicines and other charges.
  • In case of any home care treatment (domiciliary hospitalisation), the medical expenses are covered under this insurance plan.
  • Due to any case of organ transplant to the policyholder Activ health diamond not only cover the medical expenses of the Policyholder but also the organ donor who is helping the policyholder.
  • The policyholder will get Rs.500 as a daily allowance in case of hospitalisation. But it can be availed only if the sum insured is high and maximum limit of five days from the hospitalisation date.
  • Aditya Birla Health Insurance diamond plan even offers a personal coach a medical expert who guide the policyholder and help in dealing with a disease like Asthma, hypertension or diabetes mellitus.
Entry age From 91 days- no upper limit
Sum insured Up to Rs.2 crore
Day care treatment Covered for up to 586 procedures
Organ donor expenses Covered for both receiving and donating organs
Reload of sum insured Reload up to 150% subject to a maximum of Rs.50 lakh
Daily cash allowance Rs.500 per day (max. 5 days) for sum insured up to Rs.4 lakh

4. Activ Secure Personal Accident

No matter how careful you are on route sometimes you face consequences of others doing. Roads in India are very unpredictable. Accidents and injuries on roads can strike out of nowhere and may cost you a lot more than you can expect. Activ secure personal accident covers by Aditya Birla Health Insurance is designed to protect you from such mishaps on roads.

  • Anyone minimum five years age and the maximum 65 years age can enrol under the act to secure – personal accident plan.
  • There are basic covers such as an accident that cover, permanent total disablement cover and permanent partial disablement cover and partially disabled due to the accident.
  • This plan also provide education benefit under which 10% of the sum of in lumpsum for the surviving and education of the dependent children of policyholder.
  • It also offers Orphan benefit under which 10% of the sum assured is provided to the dependent children if parents pass away due to an accident.
  • This plan also offers optional cover such as overseas emergency assistance service., Temporary total disablement, wellness coach etc.
Accidental death 100% of the sum insured
Permanent total disability 100% of the sum insured
Education benefit Lump sum payment of 10% of the sum insured
Orphan benefit 10% of the sum insured
Emergency ambulance service Up to Rs.1,000
Funeral expenses 1% of the sum insured subject to a maximum of Rs.50,000

5. Activ Secure – Critical Illness

Time cannot be controlled. We all cherish the good times but try to turn our back even from the slightest thought of something bad. It is the biggest mistake that that is the only risk that one face in life.Nowadays there are various critical illness which makes life worse than that. Critical illness not only traumatises you and your loved ones physically, mentally and emotionally but it also drain out all your financial security as critical illness treatment is quite expensive.

With the Activ secure – critical illness plan, the policyholder gets protection from 64 critical illness and secured expenses that turns out to be a great help.

Features of critical illness plans –

There are three critical in this plan from which one can choose flexibility as per requirement.

  • Plan 1 – under this 20 critical in this such as cancer, heart attack kidney failure are covered.
  • Plan 2 – under this 50 critical illness are covered such as brain surgery, beginning state of brain tumour, tuberculosis and other 20 critical illness that is covered under the plan one.
  • Plan 3 – under this 64 critical illness are covered such as 15 minutes from plant to along with procedures like peacemaker ascertain and etc.
  • It also offers tax benefit under section 80 D of the income tax act.
Plan 1 Coverage for up to 14 illnesses with 100% payout
Plan 2 Coverage for up to 50 illnesses with 100% payout
Plan 3 Coverage for up to 64 illnesses 1
Wellness coach (optional) Coaching to get advice on changes to lifestyle, fitness, and nutrition
Medical second opinion (optional) Second e-opinion from a panel of medical experts

6. Activ Secure – Hospital Cash

  • Under Activ Secure – Hospital Cash the cost apart from the hospitalisation treatment that cost some money (heavy or light) to the pocket of the policyholder is covered.
  • Expenses for example the policyholder’s attendant expenses, loss of income and travelling expenses are covered under the hospital cash cover.
  • Hospital cash number one under this the policyholder gets daily alliance for each day he/she spent in the hospital. This allowance is respective of the hospital bill.
  • It covers double cash allowance for hospital hospitalisation and incentive intensive care unit of the policyholder.
  • It offers benefit in case of hospitalisation exchange for more than seven days.
  • Benefit equal to daily cash benefit is paid to the rental accommodation if an insured of the 12-year-old list has been hospitalised for more than 72 hours consecutive.
Daily cash benefit Available after each completed period of 24 hours in hospital
Double benefit for ICU hospitalisation Available for a maximum of 10 days
Convalescence benefit 1 day worth of cash benefit
Parental accommodation 1 day worth of cash benefit if children aged 12 or less get admitted
Deductible One day
Wellness coach (optional) Access to wellness coaches for advice on lifestyle, fitness, and nutrition

7. Activ Secure - Cancer Secure

Cancer is an unavoidable disease which is spreading so fast. People not only lose their life but also their hard earned money, hope to live a life happily and savings. Treatment of cancer includes various modern medical treatments such as radiatios, chemotherapy and etc., that is quite expensive. The Activ Secure – cancer secure is a smart health insurance plan which is specifically and uniquely designed to offer financial protection against cancer treatment.

  • Under the Activ secure – Cancer secure Health insurance plan protects against all three stages of cancer namely early stage, major stage and advanced stage.
  • Different payout to deal with different stages of cancer.
  • 50% payout of the sum insured for early stage, hundred per cent of the sum insured for major stage and 150% of the sum insured for the advanced stage of cancer.
  • Seven day survival period is required from the date of diagnosis.
  • The premium amount that is paid for the insurance policy is eligible for tax benefit under section 80 D of the Income Tax Act.
Payout benefits 50% of sum insured for early detection 100% of sum insured
Additional payout Payout available for major stage
Survival period 7 days following the first diagnosis of cancer
Cumulative bonus 10% per claim-free year subject to a maximum of 100%
Wellness coaching Access to wellness coaches for advice on lifestyle, fitness, and nutrition

Aditya Birla Group insurance products

Nowadays companies, organisations take care of their employees and treat them as their family members. Employees give their heart and soul to the workplace if they are treated with tender love and care by their management. Group health insurance products are just another way of employers to tell the employees that they love and care for them and their loved ones. There are two types of customised group health insurance by Aditya Birla Health Insurance Company –

  1. Group Activ health
  2. Group Activ secure
    • Both the products are customised keeping in mind the corporate portal and offers flexibility as per need of the company.
    • Group health insurance offers cashless claim settlement and simple documentation.
    • Premium amount paid is exempted under section 80 D of Indian income tax.
Health Returns Offer rewards for adopting a healthy lifestyle upto 30 percent of your health insurance premium and several other rewards
Hospital room Freedom to choose the room during hospital stay
Activ Health App App to track your health and activity & 24*7 access to health records
Second E-opinion Second expert advice in case of need

Aditya Birla Health Insurance Exclusions

  • First if any policyholder go through hospitalisation due to hazardous occupation or adventurous activities then his treatment expenses are not covered under the policy.
  • Rehabilitation expenses caused due to addiction of some illegal drugs or something are excluded. Treatment for any sexually transmitted disease STDs, HIV and AIDS are not paid any coverage under the plans.
  • Any plastic surgery or cosmetic surgery are also not covered under any of the insurance plan.
  • Any hereditary disease or genetic disorder is also not covered.
  • Any dental treatment or any type of eyesight and vision assistance are also not covered under the Aditya Birla Health Insurance Plans.

Documents Required

  • Identity proof such as voter ID card etc.
  • Address proof
  • Aadhaar card number
  • Any medical document in case if your health insurance Policy demand.

aditya Birla Health Insurance claim process

  • First, you have to check the list of network hospital on the website of Aditya Birla Health Insurance. 
  • You have to show policy number/cashless card at cashless helpdesk of the hospital. You also need to show your ID cards which can be a passport, PAN card or voter ID etc. 
  • Then you have to fill the cashless hospitalization request form. If you want to save time then you can even fill the form online to pump up the process. In case of emergency hospitalization, the form is needed to be filled and submitted maximum within 48 hours of hospitalization. While in pre-planned hospitalization the form can be submitted at least three days before the hospitalization.
  • After making the decision of cashless hospitalization, information regarding the same is provided to the policyholder usually within two business hours. 
  • The claim settlement process will be done as per the terms and condition of the hospital on completion of all the formalities.

aditya Birla Insurance Reimbursement process

Reimbursement process of Aditya Birla Health Insurance is very simple-

  • The insurance company should be notified in case of an emergency within 48 hours and three days before hospitalization in case of pre-planned hospitalization on number-1800-103-1033. You can also email at -
  • You have to submit all relevant/required original documents from the hospital and submit them via post or login portal within 15 days of discharge from the hospital.
  • Submit all documents as per the conditions of the insurance policy.
  • You can check the claim status on the portal after logging in with username/member ID and password provided.

Document required for claim process

Following document must be submitted to the insurance one making the claim request

  • Duly filled claim form
  • Original medical bills receipts
  • Dr/physician certificate with information about the diagnosis.
  • Death certificate in case of any demise and other relevant documents.

The policyholder may visit the online website of Aditya Birla Health Insurance and get all the details regarding claim procedure. In case of any situation where you want to file a claim you need to inform the insurer immediately. Always keep the customer care number handy and take care of all the documents required while filling the claim form

Aditya Birla health insurance renewal process

  • It is very easy to renew the Aditya Birla Health Insurance policy before it gets expired through the online method. 
  • Visit the official website of Aditya Birla Health Insurance Corporation Limited.
  • Select the ‘Quick renewal’ button and then press on new. 
  • Filled up the form on the next window with all accurate personal and policy information. 
  • At last, select the ‘Renew Now’ To proceed with the online payment.
  • After payment, a confirmation message will be pop up and the same will be emailed to you with information about successful renewal process for the Aditya Birla Health Insurance Policy.

Factors that affect the health insurance premium

Aditya Birla Health Insurance premium is calculated on the basis of the following factors

  • Age of the insured medical history
  • Coverage type
  • Lifestyle including Resident and occupation also matter the premium amount. Example if you are working at Coal mine etc than the premium amount will be more.
  • Tobacco or smoking habits
  • Sum insured amount
  • Body mass index
  • Other factors depending on the policy.

And you can also calculate online premium very easily buy using the online health insurance premium calculator.

Aditya Birla Health Insurance Company Review

Aditya Birla Health Insurance Company is definitely a one-stop shop for all health insurance related needs. With a long list of effective health insurance plan, the company is ensuring to cover a wide area so that it can cater different needs of customers so that they can live their life happily and in peace. With all its plans, the company promotes to stay fit and healthy and for the same, it offers multiple wellness programs through which customers can easily earn huge cashback. In the Insurance Industry, Aditya Birla Health Insurance Company holds the position of a leading health insurance company. Its goals and mission are enough to show how much it values its customer and offer great services for a long term association. It is surely a recommend platform for your health insurance purchase.

Contact Details

Aditya Birla Health Insurance Co. Ltd.

13th Floor, R Tech Park,
Off Western Express Highway
Goregaon East, Mumbai
Maharashtra 400 063

Customer Care Toll Free No – 1800 270 7000


1. How can I track my claim status? 

It is quite easy. You just have to visit the Aditya Birla Health Insurance website and click on track claim section. You will be redirected to the login portal where you can log in using your username and password. As soon as you log in, you can check the details and your claim status.

2. What is the timeline for the claim settlement ratio?

Aditya Birla Health Insurance claims are settled within seven working days of the receipt from the time to submit the necessary documents and it is not later than 30 days.

3. How do I transfer my existing health insurance policy to a different health insurance company?

You have to fill up the portability form at least 45 days before the renewal date of your existing policy if you wish to port.  After this, an agent from Aditya Birla Health Insurance will contact your current insurer and request for details like, medical history and other important information. After looking at all information about you and your policy, Aditya Birla Health Insurance will decide in 15 days from the date on which information is provided from your current insurer and then will make the changes accordingly.

4. What is the procedure of payment in case of the reimbursement claims?

In most of the case's payment is transferred directly to the account of the policyholder in case of reimbursement claims. The policyholder also have the option of receiving payment via NEFT. You must provide information about the same in the reimbursement form.  Information like IFSC code, branch address, account number, account holders name should be provided. If it is not there, then there is a procedure of sending claim settlement amount via cheque to the policyholder's registered address. 

5. Can the cashless facility of Aditya Birla Health Insurance be availed for the treatment in government hospitals?

No cashless facility of Aditya Birla Health Insurance cannot be availed in the government hospital

6. What is the difference between an individual and a floater cover inActiv health essential health insurance plan?

In an individual health-insurance policy, a single person would be liable to get the cover. While in the family floater health insurance plan all family members are insured and covered on a floater basis. A single sum insured is shared by all family members under floater policy.

7. Is there any plan that of a maternity cover? Please explain.

Yes, there is an Aditya Birla Health Insurance plan like Activ health insurance which offer maternity cover. Expenses Incurred in the treatment of the mother and baby are covered under this plan. There is a 24 month period to avail the maternity benefit cover.

8. What is the validity of my health-insurance policy?

It depends on the duration that you choose and the duration which is mentioned in the insurance policy schedule. Aditya Birla Health Insurance policy duration is available for one, or two and three years.

9. Is the portability in Aditya Birla Health Insurance plan?

The portability allows the policyholder to switch from one insurer to another. By this you don’t even lose the waiting period benefit accumulated for you on the existing health insurance policy, hence it is profitable.

10. Are chronic disease covered under the Activ health insurance plan?

No chronic disease such as hypertension, asthma and diabetes are not covered under Activ health – and hence plan. These diseases are covered under the chronic management program of Aditya Birla Health Insurance.

Insurance Calculator