Aditya Birla Health Insurance

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About Aditya Birla Health Insurance

Aditya Birla Health Insurance Co. Limited started its operations in October 2016 as a joint venture between Aditya Birla Capital Limited and MMI Strategic Investments Pvt. Ltd. It provides a wide range of health insurance policies that offer extensive coverage to customers that are designed to cover their diverse healthcare needs with attractive benefits.

Highlights of Aditya Birla Health Insurance

Network Hospitals 7000+
Number Of Advisors 29700+

Table Data updated on 04-02-2021

Aditya Birla Health Insurance Plans

  1. Aditya Birla Activ Assure Plan

    i) Aditya Birla Activ Assure Diamond Plan

    The Aditya Birla Activ Assure Diamond plan provides a cover for total expenses arising out of hospitalization. The plan also covers the expenses for the treatments done under Ayurveda, Unani, Siddha, Yoga & Naturopathy, and Homeopathy systems.

    Key Features

    • The plan offers coverage for pre-hospitalization and post-hospitalization expenses i.e., 30 days before hospitalization and 60 days after getting discharged.
    • 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) 5 Years- No maximum age limit
    Policy Term 1 year, 2 years & 3 years
    Sum Insured Rs. 2 Lacs to 2 Crores

    Table Data updated on 04-02-2021

  2. Aditya Birla Activ Health Plan

    i) Aditya Birla Activ Health Platinum-Enhanced

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

    Key Features

    • Under this plan, in case of chronic illnesses such as diabetes, high cholesterol, and asthma, the policyholders are eligible to get day 1 cover for the cost of medicines, tests, and doctor consultation.
    • The plan allows the policyholders to choose the hospital room of their liking and preferences.
    • The plan also lets the policyholder earn up to 30% of their annual policy premium as Health Returns.

    Eligibility Criteria

    Entry Age 91 Days to No Limit
    Policy Term 1 year, 2 years & 3 years
    Sum Insured Rs. 2 Lacs to 2 Crores

    Table Data updated on 04-02-2021

    ii) Aditya Birla Activ Health Platinum-Essential

    Aditya Birla Activ Health Platinum-Essential Plan offers comprehensive coverage against your medical expenses. The plan understands the need for a better lifestyle and keeps encouraging you with several rewards.

    Key Features

    • The plan covers 527 daycare procedures.
    • The policyholder is eligible to get 10% of the sum insured as a cumulative bonus for every claim-free year.
    • The plan offers Tax Benefits under section 80D of the Income Tax Act, 1961.

    Eligibility Criteria

    Entry Age 91 Days to No maximum Limit
    Policy Term 1 year, 2 years & 3 years
    Sum Insured Rs 50,000 to Rs 10 Lacs

    Table Data updated on 04-02-2021

  3. 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

    Category Standard Classic Premier
    Age at entry Minimum: 55 years
    Maximum Sum Insured Rs. 10 Lacs Rs. 25 Lacs

    Table Data updated on 04-02-2021

  4. Aditya Birla Activ Secure Plan

    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 benefitEmergency road ambulance coverFuneral expensesRepatriation of mortal remains Orphan benefitModification benefit (residence/repair)Compassionate benefitThe plan also provides a cumulative benefit of 5% every year.

    Eligibility Criteria

    Age Minimum: 5 years, Maximum: 65 years
    Sum Insured 12 times the annual gross income

    Table Data updated on 04-02-2021

    The values may change as per the chosen plan option.

    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 it. The plan ensures that its wide range of benefits 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 the comprehensive 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 covered Self, spouse, up to 4 children, up to 2 parents and 2 parents-in-laws
    Maximum Sum insured Rs. 1 Crore

    Table Data updated on 04-02-2021

    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 benefit Rs. 500 - Rs. 10,000

    Table Data updated on 04-02-2021

    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 the 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 his/her diagnosis.

    Eligibility Criteria

    Age Minimum: 18 years, Maximum: No Limit
    Short survival period 7 days after the date of diagnosis

    Table Data updated on 04-02-2021

    v) Global Health Secure

    Global Health Secure is an international health cover that provides protection from listed 16 major illnesses, and cashless treatment across a global network of hospitals. This plan is designed to provide global healthcare options that keep you safe no matter where you are.

    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 repatriation of mortal remains are also provided.

    Eligibility Criteria

    Age Minimum: 91 days/5 years, Maximum: 65 years
    Renewal Age No Limit

    Table Data updated on 04-02-2021

  5. Aditya Birla Group Insurance Products

    i) Aditya Birla Group Activ Health Plan

    Aditya Birla Group Activ Health plan provides comprehensive coverage with top-class features to members of a group.

    Key Features

    • A cashless claim settlement is possible.
    • The plan offers multiple option covers to choose from with a 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

    • Group Personal Accident Cover
    • Group Critical Illness Cover
    • Group Hospital Cash Benefit

    iii) Aditya Birla Group Activ Travel

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

    Key Features

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

Watch Video For Detailed Review

Aditya Birla Health Insurance Plan Detailed Review

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 the 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. All these programs motivate you to remain active and healthy.

How To Buy an Aditya Birla Health Insurance Policy?

If you want to buy Aditya Birla Health Insurance without much trouble, there are two options to do so- from the company and Let's know more about them.


Through Aditya Birla's Website

  • 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 be then 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 on your registered e-mail address.


  • On the top right corner of this page, look for 'Calculate Aditya Birla Health Insurance Premium' form.
  • Fill the required details to get the list of several quotes.
  • Choose the best Aditya Birla Health plan and pay the premium online.
  • Your policy will be shared on 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 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.

1. To file a claim, submit the following documents to Aditya Birla within 15 days of discharge

Claim form (Part A & B)Health cardKYC documentsOriginal discharge summaryHospital bills The invoice with payment receiptAll consultation papersOthers

2. 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).


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.

Page updated on 04-02-2021