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Aditya Birla Group Health Insurance
Aditya Birla Group health insurance offers options like Aditya Birla Group Activ Health, Activ Secure, and Activ Travel. Group health insur…
- 92.97% claim settlement ratio
- Day 1 coverage
- Up to 30% health returns
Aditya Birla Health Insurance
Aditya Birla Activ Fit Plus Plan
This is an ideal plan for the youth who are leading a healthy and fit ...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 · 2,707 reviews
🏥 12,900+ hospitals
📊 1.88 solvency ratio
✅ 96% claim settlement
About Aditya Birla Activ Fit Plus Plan
A quick read on what this Aditya Birla Health Insurance plan covers and why it might be a fit for you.
The Aditya Birla Activ Fit Plus plan rewards you for staying fit and healthy.
This plan offers a versatile range of benefits designed to improve your overall well-being, covering physical, emotional, mental, and social aspects. It is particularly beneficial for young adults and Gen-Zs, providing:
- All basic healthcare benefits at affordable premiums.
- Rewards for maintaining fitness and health.
- Unlimited sum insured refill in a policy year, ensuring coverage for expensive hospitalizations.
- Doubles the sum insured on two consecutive claim-free policy years.
- A good health discount.
- Early bird discounts.
- Cashless treatment benefits.
- An optional travel protection cover.
- Free health assessment and optional Super No Claim Bonus.
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
Min- 90 days, Max- 45 years
Plan type
Individual and Family Health Insurance
Sum insured options
₹5 L, ₹10 L, ₹25 L, ₹50 L, ₹70 L, ₹85 L, ₹1 L
Waiting period
30 days
Renewability
Lifetime
Policy term
1/2/3 Years
*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
- Pre-hospitalization cover
- Post-hospitalization cover
- Modern treatment cover
- Organ donor cover
Cons
- Obesity/ weight control
- Change of gender treatments
- Hazardous or adventure sports
- External providers
- Beauty/cosmetic treatment
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 Covered
- Automatic restoration of SI Covered
- Daily hospital cash Covered
Family & special care
- Maternity cover Not covered
- New-born baby cover Not covered
- IVF treatment Not covered
- AYUSH treatment Covered
- Organ donor expenses Covered
Modern & preventive care
- Modern treatment Covered
- Road ambulance Not covered
- Air ambulance Covered
- E-consultation Covered
- Health check-up Covered
- Second medical opinion Not covered
- Vaccination Not covered
Conditions & global
- Co-payment Not covered
- Sub-limits Not covered
- Compassionate travel Not covered
- Global coverage Not covered
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
Aditya Birla Health Insurance
All that you need to know about Aditya Birla Health Insurance!
Features of Activ Fit Plus Plan
- Earn up to 50% HealthReturns™ by staying healthy and fit.
- Get up to 10% upfront good health discount on paying the first premium of your policy.
- If you are below 35 years of age, you can get up to 10% early bird discount from the 8th policy year onwards.
- The optional travel protection cover provides benefits for baggage loss, trip cancellation charges, and more.
- Avail a tax benefit under section 80D of the Income Tax Act.
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.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Exclusions
- Here are some of the standard exclusions of this plan for your reference:
- No cover during the initial waiting period of 30 days, except for accidental injuries.
- Self-inflicted injury.
- Attempted suicide or suicidal acts.
- Adventure or hazardous activities.
- Acts of war.
- Childbirth and related complications.
- Alcoholism, drug abuse, and related complications or treatments.
- Non-allopathic treatments.
- Parkinson's disease, stem cell therapy, etc.
- Diagnostic expenses.
- Investigation and evaluation procedures.
- Hearing aids, spectacles, contact lenses, optometric therapy, multifocal lenses, etc.
- Gender change treatments.
- Obesity management or weight control treatments.
- Cosmetic treatments and beauty surgeries.
- Treatment for injuries sustained due to criminal intent or breach of law.
- Treatment taken outside India or outside network hospitals.
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Entry Age: 91 days Max Entry Age: 45 years Sum Insured (SI): 5 L: 1 Cr Waiting Period: 30 Days
Other features & benefits
How can I earn HealthReturns™ with the Activ Fit Plus plan?
-
Step 1
Take a health assessment and get your heart score.
-
Step 2
Walk 10K steps/day to earn 1 Active Dayz™ or workout for 30 minutes to burn 300 calories/day.
-
Step 3
Earn up to 30% HealthReturns™ on completing 13 Active Dayz™/month.
-
Step 4
Avail up to 20% additional HealthReturns™ on completing 275 Active Dayz™/year.
Where can I use my Activ Fit Plus HealthReturns™?
- Use your HealthReturns™ to pay the next premium of your policy.
- Buy medicinal drugs/prescribed medications from the insurer's networking partners.
- Go to the network hospital to pay for your diagnostic tests.
- Use it as a health contingency in times of need for medical support.
Aditya Birla Activ Fit Plus Plan: FAQs
The 5 most-asked questions about Aditya Birla Activ Fit Plus Plan, answered.
Yes, you can buy this policy as an individual plan as well and the minimum entry age for buying this policy is 5 years.
Yes, PEDs are covered after a waiting period of 48 months.
Call our health insurance experts and buy your Activ Fit Plus insurance after understanding all the aspects of this plan.
It means a 10% upfront good health discount, up to 50% HealthReturnsTM, and upto 100% of unlimited sum insured refill.
Activ Health application maintains a wellness ecosystem that helps you keep track of your health, contact healthcare experts, record daily activities, book health check-ups, and so on.
Conclusion
Activ Fit is a health insurance plan that combines medical coverage with wellness rewards. It offers
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