Aditya Birla Health Insurance

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Aditya Birla Health Insurance

Aditya Birla Health Insurance Company Limited (ABHICL), a subsidiary of Aditya Birla Capital Ltd, is a joint venture between Aditya Birla Group and MMI Holdings of South Africa. The company was founded in the year 2015 and commenced its operations in October 2016.

It has over 17,000 employees and over 2 lakh agents and channel partners.

Types Of Health Plans Offered By Aditya Birla

To meet the health insurance needs of every individual, Aditya Birla Health Insurance company offers 8 health plans that provides coverage to an individual and their family from every eventuality of life.

Have a look at all the plans available under Aditya Birla Health Insurance Company:

Health PlanType of PlanWho Should Buy?
Activ Health PlatinumComprehensive Family Health PlanIt can help individuals who are looking to cover themselves and their families under a single plan
Activ Assure DiamondFamily Health PlanThe benefits offered by this plan can be found suitable for those on the lookout for coverage against hospitalization bills
Activ Assure Diamond+Super Health Plus Top-UpTop-up Health PlanIt can be found suitable by those looking for increased coverage of up to Rs. 1 Crore.
Activ CareSenior Citizen Health PlanThis plan should be considered by individuals who want to secure their parents in their old age.
Activ SecureFamily Health PlanThe plan is suitable for those who want to secure their expenses at the time of an accident, critical illness, or other such situations.
Global Health SecureGlobal Health InsuranceThe plan can be found suitable by frequent travellers as it helps policyholders avail cashless treatment internationally
Group ProductsGroup Health InsuranceThis plan is a suitable option for those who want to cover a group of people under the same policy.
Corona KavachCorona Specific PlanThe plan can help you remain prepared to fight against covid expenses.

Watch Video For Detailed Review

Aditya Birla Health Insurance Plan

Let's Discuss all the Plans in Detail:

  1. Aditya Birla Activ Health Platinum Plan

    Aditya Birla Activ Health Platinum plan comes in three variants: Enhanced, Essential & Premier.

    i) Aditya Birla Activ Health Platinum-Enhanced

    Aditya Birla Activ Health Platinum-Enhanced is designed to support you in the time of medical crisis and offers comprehensive coverage against medical bills.

    Key Features:

    • The plan offers coverage to certain health issues such as Mental Illness, Obesity, Dental Consultations, etc.
    • One can avail of AYUSH coverage under this plan.
    • The plan offers Chronic Care Management Program, under which if you or any of your family member suffers from any chronic condition such as diabetes, asthma etc., the company will assign an expert who will continuously manage and will monitor your progress making it easier for you to deal with such illness.

    Eligibility Criteria:

    Entry Age 91 Days - No Limit
    Sum Insured (in Rs.)50 Thousand - 2 Crores
  2. Aditya Birla Activ Assure Diamond Plan

    The plan provides a cover for total expenses arising out of hospitalization as well as offers several discounts when bought for 2/3 years or when bought together for a family. The plan also comes with several additional add-on benefits.

    Key Features:

    • The plan covers up to 586 daycare procedures if the hospitalization is for less than 24 hours.
    • If the sum insured with no claim bonus is finished due to previous claims, the policyholder will get a reload of 150% of the sum insured.
    • The plan also offers rewards for staying fit and healthy.

    Eligibility Criteria:

    Entry Age (for individual policy) 91 days - No maximum age limit
    Policy Term1 year, 2 years & 3 years
    Sum InsuredRs. 2 Lacs to 2 Crores

    **Last Updated on September, 2021

  3. Aditya Birla Activ Assure Diamond+Super Top-Up Health Plan

    This combination of plan covers medical expenses up to Rs. 1 Crore. With several benefits, the plan also lets the policyholder avail of Health & Wellness Discounts.

    Key Features:

    • The plan covers the road ambulance expenses up to Rs. 5,000.
    • One can avail coverage for Covid-19 related expenses.
    • Expenses for domiciliary hospitalization are covered up to the sum insured.

    Eligibility Criteria:

    Entry Age 91 days - 65 years
    Maximum Sum InsuredRs. 1 Crore

    **Last Updated on September, 2021

  4. Aditya Birla Activ Care Plan

    The Activ Care plan is designed for senior citizens to help them cover their overall medical costs arising out of hospitalization. Individuals can avail of this plan for their parents and grandparents to protect them financially in times of sickness. This plan is available in three variants - Standard, Classic, and Premier.

    Key Features:

    • The plan provides comprehensive health care check-up coaching sessions by a personal health coach every year to ensure that parents/senior citizens are hale and hearty.
    • You can earn up to 21% of the premium under the HealthyReturns program.
    • The plan allows policyholders to take a second e-opinion for their major illnesses through certified hospitals and provides health & wellness discounts as well.

    Eligibility Criteria:

    Entry Age Minimum: 55 years
    Maximum Sum Insured Rs. 10 LakhsRs. 25 Lakhs

    **Last Updated on September, 2021

  5. Aditya Birla Activ Secure Plan

    Aditya Birla Activ Secure Plan offers 4 types of plan to the policyholder that provides coverage to you and your family against all unfortunate incidents. Let's find out more about those plans:

    i) Activ Secure Personal Accident Plan

    The Active Secure Personal Accident Plan is designed to protect individuals and families from all the contingencies (death and disabilities) that occur due to accidents.

    Key Features:

    Apart from 100% total payout for death or disability (permanent or partial) due to accidents, the company also offers the option to select from five base plans that give a wide range of benefits such as:

    • Education benefit
    • Emergency road ambulance cover
    • Funeral expenses
    • Repatriation of mortal remains
    • Orphan benefit
    • Modification benefit (residence/repair)
    • Compassionate benefits
    • The plan also provides a cumulative benefit of 5% every year

    Eligibility Criteria:

    Age Minimum: 5 years, Maximum: 65 years
    Sum Insured12 times the annual gross income

    ii) Activ Secure Critical Illness Plan

    The Activ Secure Critical Illness plan is designed to provide financial protection against critical illnesses and the expenses related to them. The benefits offered by this plan can help individuals get compensated against the loss of income arising out of critical illnesses.

    Key Features:

    • The policy offers three plans:
    • Plan 1: Protection against 20 critical illnesses
    • Plan 2: Protection against 50 critical illnesses
    • Plan 3: Protection against 64 major critical illnesses
    • All three plans offer complete protection against all hospitalization expenses occurring since the first diagnosis, including a second health opinion and the services of a wellness coach.
    • Under this plan, the policyholder gets a 150% payout of the sum insured for the diagnosis of more than one critical illness.

    Eligibility Criteria:

    Age Minimum entry age: Plan 1 & 2: 5 years, Plan 3: 18 years
    Relationships coveredSelf, spouse, up to 4 children, up to 2 parents and 2 parents-in-law
    Maximum sum insuredRs. 1 Crore

    iii) Activ Secure Hospital Cash Plan

    The Activ Secure Hospital Cash Plan is designed to provide daily cash benefit for covering day-to-day expenses while being hospitalized.

    Key Features:

    • The plan provides a cash benefit for each day of hospitalization, irrespective of the hospital bill.
    • Apart from these benefits, the plan also provides convalescence benefits, parental accommodation benefits, and a wellness coach who offers guidance on nutrition, fitness, and lifestyle habits.

    Eligibility Criteria:

    Days of the daily cash benefit 30/45/60
    Cash benefitRs. 500 - Rs. 10,000

    iv) Activ Secure Cancer Secure Plan

    The Active Secure Cancer Secure Plan is designed to provide a total medical cover for expenses arising out of a cancer diagnosis. The plan provides benefits for all three stages of cancer - early, major, and advanced-stage cancer.

    Key Features:

    • The plan offers a 10% cumulative bonus up to a maximum of 100% of the sum insured.
    • The coverage of the plan varies according to the diagnosis- 50% of sum insured for early-stage cancer, 100% of sum insured for the major stage of cancer, and 150% of sum insured for the advanced stage of cancer.
    • Apart from the above benefits, the policyholder also gets the option to avail of a second medical e-opinion on their diagnosis.

    Eligibility Criteria:

    Age Minimum: 18 years, Maximum: No Limit
    Short survival period7 days after the date of diagnosis
  6. Aditya Birla Global Health Secure

    Global Health Secure is an international health cover that protects from listed 16 major illnesses, and cashless treatment across a global network of hospitals.

    Key Features:

    • The plan provides total international health cover for all expenses arising out of in-patient care such as doctor's fees, room rent, medicines, drugs, operation theatre expenses, and other expenses.
    • If the policyholder is diagnosed with any one of the listed 16 major illnesses, then an international second e-opinion is also provided.
    • Other benefits like an organ donor, travel, accommodation, and the repatriation of mortal remains are also provided.

    Eligibility Criteria:

    Entry Age Minimum: 91 days/5 years, Maximum: 65 years
    Renewal AgeNo Limit

    **Last Updated on September, 2021

  7. Aditya Birla Group Insurance Products

    Aditya Birla Group Insurance Products offer three types of plans that allows the policyholder to choose as per their requirements

    i) Aditya Birla Group Activ Health Plan

    Aditya Birla Group Activ Health plan provides comprehensive coverage to members of a group.

    Key Features:

    • A cashless claim settlement is possible.
    • The plan offers multiple option covers to choose from with simple underwriting for quick policy issuance.
    • You can receive tax benefits for the premium paid for this plan.

    ii) Aditya Birla Group Activ Secure Plan

    Aditya Birla Group Activ Secure Plan offers a lump-sum benefit to the policyholder against health events under the following plans-

    Key Features:

    • The plan offers Group Personal Accident Cover
    • The plan offers Group Critical Illness Cover
    • The plan offers Group Hospital Cash Benefit

    iii) Aditya Birla Group Activ Travel

    It is comprehensive travel insurance that is customizable with optional covers to meet the needs of the customers.

    Key Features:

    • Under this plan, one can choose the region-specific plans to fulfil their travel needs.
    • The plan also offers new-age features such as an emergency home visit, lifestyle support due to accidents, and a mugging cover.
    • The plan offers a bag full of additional services in case of medical/non-medical emergencies.
  8. Aditya Birla Corona Kavach

    Getting diagnosed with Corona not only has ill effects on your body but also has the potential to wipe off all your savings. Under Aditya Birla Corona Kavach, you can avail protection against covid-19 related expenses for yourself and your family.

    Key Features:

    • The plan covers PPE Kit, gloves, and mask expenses.
    • AYUSH Treatment expenses are also covered.
    • No medical tests are required to enrol under this policy.

    Eligibility Criteria:

    Coverage Available to Legally wedded spouse
    Parents and Parents-in-law
    Dependent Children (i.e. natural or legally adopted) between the age of 1 day and 25 years. If the child above 18 years of age is financially independent, they shall be ineligible for coverage
    Sum InsuredRs. 50,000 - Rs. 5 Lakhs
    Policy TermThree and Half Months (105 days), Six and Half Months (195 days), Nine and Half Months (285 days) including an initial waiting period of 15 days.

What Are The Key Features of Aditya Birla Health Insurance?

With the presence of several health insurance companies, selecting an appropriate health insurance plan becomes quite a tedious task. Many times with so many options available, people tend to get confused and often choose the wrong one due to lack of awareness.

To make the task of choosing an ideal health insurance company, our team of experts at have shortlisted a few parameters such as hospital list, Market share, Claim Support, etc to help you choose the right health insurance partner for you.

Let's discuss the key features of Aditya Birla Health Insurance.

Key Features:

Network Hospitals 8,200+
24*7 Customer supportAvailable
Claim settlement Ratio (2019-2020)99.36%
Solvency Ratio1.99
Total No. of Claims Settled6,30,000+

Let us understand the above-mentioned features in detail:

  1. Network Hospitals

    Aditya Birla health insurance has over 8,000+ network hospitals where you can avail of the cashless facility.

    Let's take the example of Mr Sharma, a 45-year-old man living in Indore.

    Mr Sharma's younger son (7 years old) got severe pain in his lower abdomen and had to get hospitalized in an emergency. With the policy, he was able to avail the cashless facility without having to worry about the money.

    The cashless treatment availed by Mr Sharma helped him to not get stressed about the money in an already stressed situation.

    To overcome such medical emergencies, it is always better check network hospitals in your vicinity.

    Top 10 Insurance Companies (based on Network Hospitals)

    Network Hospital List of Top 10 Insurance Companies

    ** Data from IRDAI Annual Reports

    Check the Aditya Birla health insurance hospital list with

  2. Claim Support

    Before buying a health plan, one must check the Claim Support Ratio of the company to analyse its claim settling ability. Talking about Aditya Birla Capital Health Insurance, the company has claim support of 99.36%.

    Top 10 Insurance Companies (based on Claim Support)

    Claim Support of Top 10 Insurance Companies
  3. Solvency Ratio

    Considering the solvency ratio is also an important factor while selecting an insurance company. Checking the solvency ratio helps the prospective policyholder to assess the ability of a company to meet its financial obligations.

    One can check the solvency ratio through the official IRDAI website that publishes the solvency ratio in its annual reports.

    As of now, IRDAI mandates maintaining a healthy solvency ratio of 1.50 for every insurer. At present, the solvency ratio of the company is 1.99.

    Solvency Ratio of Aditya Birla Health Insurance from 2016- 2020

    Solvency Ratio of Aditya Birla Health Insurance Company

    ** Data from IRDAI Annual Reports

  4. Market Share

    In the financial year of 2019-2020, the company's market share was 755.5 crores

    Annual Premium of Aditya Birla Health Insurance Company from 2016-2020

    Annual Premium of Aditya Birla Health Insurance Company from 2016-2020

    ** Data from IRDAI Annual Reports

  5. Pan India Presence

    With a presence in more than 2500+ cities, Aditya Birla Health Insurance has established pan India presence. One can directly visit their nearest branch office for any of their policy-related or claim-related queries.

Why Should You Buy Aditya Birla Health Insurance?

Aditya Birla looks after the overall health of the person, which includes an active health management program that takes care of all lab tests, doctor consultations, and appointments. It provides chronic management and health assessment programs that ensure hassle-free access to all health facilities.

The company also rewards you for living a healthy life that can be tracked through its Health Dashboard. Your health is monitored through a host of parameters like the Healthy Heart Score, Activ Dayz program, etc.

How To Buy an Aditya Birla Health Insurance Policy?

You can buy the plan directly from the company's website. Just follow the below steps:

  • Visit the official website of the company. On the top, you will find a sub-title 'Protecting'. Click on the 'Health Insurance' option under that sub-title.
  • You will then be redirected to the Health Insurance page. On the top-right corner, click on the 'Quick Quote'.
  • Enter all the required details and your health insurance premium amount will be displayed on the screen, where you can select the plan as per your needs and requirements.
  • Once you pay the premium online, you will get all the policy documents at your registered email address.

You can also buy it from We, at can provide a dedicated agent by your side during the entire process. Below is its buying process.

  • Fill in the details in the 'Calculate Premium' form.
  • The next page will show all the available plans. Choose the Aditya Birla health plan and click on 'Buy Now'.
  • Pay the premium and your policy document will be shared with you on your registered email.

How To Renew an Aditya Birla Health Insurance Policy?

  • Visit the official website of Aditya Birla Health Insurance. On the top right, click on the 'Renew' option.
  • From the drop-down menu, select 'Quick Renew'.
  • On the next page, fill up your policy number, prosper's date of birth or mobile number.
  • Click on the 'Abhi Karo'
  • Pay the premium online, and your Aditya Birla health insurance renewal details will be mailed to your registered email address.

How is an Aditya Birla Health Insurance Claim Processed?

Cashless Claim

  • Check the list of network hospitals from Aditya Birla's website. At the network hospital, show the cashless card of Aditya Birla Capital Health Insurance and valid ID proof like Passport, PAN Card, Voting card, etc.
  • After the identification is done, the network hospital will send the cashless hospitalization request form to Aditya Birla. (For planned hospitalization, the form needs to be submitted 3 days in advance. For emergency cases, it needs to be submitted within 48 hours after hospitalization).
  • Aditya Birla will review the form. After completion of the formalities, the decision will be forwarded to you through SMS and E-mail.
  • Once done, the payment will be made to the network hospital.

Reimbursement Claim

If you are admitted to a non-network hospital, you have to pay the hospital directly after the treatment is done.

  • To file a claim, submit the following documents to Aditya Birla within 15 days of discharge:
    1. Claim form (Part A & B)
    2. Health card
    3. KYC documents
    4. Original discharge summary
    5. Hospital bills
    6. The invoice with payment receipt
    7. All consultation papers
    8. Others
  • After reviewing the documents, Aditya Birla will take the appropriate decision and if approved, the amount will be reimbursed through NEFT to the registered bank account.

Note- You need to inform the company within 48 hours (in case of emergency hospitalization) and 3 days before your admission (for planned hospitalization).

How To Contact Aditya Birla Health Insurance

Aditya Birla Health Insurance customer care number: 18002702700

Email Address:

Whatsapp No. 8828800035

Aditya Birla Important Links

Frequently Asked Questions (FAQs)

1. Does Aditya Birla Activ Health Platinum offer a Cashless Facility?

Yes. One can avail of the cashless facility under both the variants of Activ Health Platinum Plan (Activ Health Enhanced and Activ Health Essential), provided that the hospital chosen should fall under the Aditya Birla Health Insurance network hospitals.

2. Will my claim be paid if my policy is in the Grace Period?

No, the company is not liable to pay any claim that occurs during the grace period.

3. Are there any sub-limits for the room rent and ICU in Activ Care policy?

No, there are no sub-limits for the room rent & ICU under the Activ care policy. The insured gets the rooms based upon the plan (s)he has chosen.

4. Can I upgrade my room under the Activ Assure Diamond Plan?

Under this plan, the policyholders have the freedom to choose their preferred room types. However, the option is applicable only on the sum insured of Rs. 5 Lakhs or above.

5. Are chronic diseases covered under Activ Assure Group Health Insurance?

Yes, Chronic Illnesses such as Diabetes, Asthma, High Cholesterol and Hypertension are covered under this policy.

Find Out What The Customers Are Saying

(Showing latest 5 reviews only)

- 4.3/5 (40 Total Rating)

October 19, 2021

Dilpreet Singh


very vast range of plans! the premiums are decent for anybody s budget. I would 1000% recommend the comapny

October 18, 2021



It has been an absolute pleasure associating with policyx for my health insurance. They have been very helpful in my decision.

October 13, 2021

Aditya Narayan


happy with how my claims were settled...i went to a network clinic and so did not have to pay a single penny

October 12, 2021

Salman K Rashid


Good settling claims were addressed within a week i think...truly thankful to god and the team at aditya birla for stepping up when much support was needed

October 11, 2021

Avinash Kachroo


Amazing service. The way the team of Aditya Birla assists you at every step is commendable. I just cant thank the way they helped me throughout. Good Luck to your future guys.

Last updated on September, 2021

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