National Health vs Aditya Birla Health Insurance 2026

National Health Insurance

National Parivar Mediclaim Plus Policy

National Parivar Mediclaim Plus is a versatile family floater health insurance policy that comes in three different plan options: ...

Multiple Plan Options
Up to 50 L SI
Avail Maternity Cover

Multiple Discount Options
Tax Benefits
Road Accident Cover

Hazardous or Adventure Sports
Treatment for Alcoholism
Drug or Substance Abuse

Maternity Cover
Infertility Treatment
Vaccination for Children

Min entry age: 18 years
Max entry age: 65 years
Initial Waiting Period: 30 days
Sum Insured: Up to 50 Lakhs

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Individual and Family Health Insurance

National Young India Mediclaim Policy

National Young India Mediclaim Policy is an indemnity-based insurance policy available as an individual and family floater health ...

Maternity Cover
Cataract Cover
High SI Cover

Room Rent Cover
Day Care Procedure
AYUSH Treatment

Morbid Obesity Treatment
Illegal Activities
Adventure Sports

Cumulative Bonus
Wellness Discount
Long Term Discount

Min entry age: 18 years
Max entry age: 43 years
Initial Waiting Period: 30 days
Sum Insured: Up to 10 Lakhs

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Group Health Insurance

National Insurance Group Mediclaim Policy

Buying individual health insurance can be challenging due to high monthly premiums. A group mediclaim policy offers comprehensive ...

Coverage for modern treatment
Covers HIV/AIDS treatment
Covers 140+ daycare procedures

140+ daycare procedures
HIV cover
Affordable premiums
AYUSH cover

Treatment outside India
OPD diagnostics
Adventure sport injuries
Injuries due to illegal activity

Co-payment discounts available
PED cover
30-day pre-hospitalisation
Modern treatment

Entry Age: 3 Months
Maximum Entry Age: N/A
Sum Insured: INR 50
000 to INR 10 Lakhs
Waiting Period: 30 days

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Accident Health Insurance

National Personal Accident Policy

You can buy the National Insurance personal accident plan on an individual or family floater basis; it acts as a standalone policy...

PPD/ PTD & TTD cover
Accidental death coverage
Assured death payout

100% accidental death payout
PTD benefit
PPD benefit
TTD benefit

PEDs not cover
Adventure sports not covered
Vaccination not covered

Mortal remains portability
Death coverage benefits
Loss of organ cover
Educational fund

Entry age: 5-70 years
SI: Upto INR 10 lakh
Policy tenure: 1 year
Waiting period: None

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Individual and Family Health Insurance

National Mediclaim Plus Policy

National Mediclaim Plus Policy is a high sum insured policy that indemnifies for in-patient treatment expenses, 140+ day care proc...

National Mediclaim Plus features
Learn about the eligibility criteria
Exclusions & claim process

12 modern treatment covered
Maternity covered
Lifelong renewability

Pre-existing diseases
Treatment outside India
Adventure sports injury

COVID vaccination
Air ambulance
Hospital cash benefit

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 50 L

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Individual and Family Health Insurance

National Mediclaim Policy

National Insurance Mediclaim Policy is a traditional health insurance plan that provides comprehensive coverage to policyholders. ...

National Mediclaim plan features and benefits
Eligibility criteria
Easy claim process

All-Inclusive Coverage
No Claim Bonus
Lifelong Renewability
Wide Network of Hospitals

Cosmetic Surgery
IVF
Dental Treatment
Maternity Coverage

Tax Benefits
Avail 10% Discount
Health Incentives

Min entry age: 18 years
Max entry age: 65 years
Initial Waiting Period: 30 days
Sum Insured: Up to ₹10 Lakhs

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Individual and Family Health Insurance

National Parivar Mediclaim Policy

National Parivar Mediclaim Policy aims to encourage the protection of the whole family on a single sum insured. This is a family f...

Explore the plan’s key features
Find out the eligibility criteria
Learn its benefits & exclusions

Infertility treatment cover
Vaccination covered
Ambulance covered
Cataract covered

Treatment outside India
OPD diagnosis
Adventure sports

AYUSH cover
No co-pay
Vaccination

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 10 L

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Individual and Family Health Insurance

National Arogya Sanjeevani Policy

National Arogya Sanjeevani Policy is a standard indemnity health insurance product from National Health Insurance Company, with a ...

Understand the plan features
Learn about its eligibility criteria
Know more about its exclusions

Online purchase discount
EMI facility available
High Sum Insured
Affordable premium.

Treatment outside India
OPD diagnostics
Adventure sport injuries
Injuries due to illegal activities.

Enhanced limits for room rent
Online discounts available
Option to change sum insured
Lifelong renewal.

Minimum entry age: 18 years
Maximum entry age: 65 years
Initial waiting period: 30 days
Sum Insured: Up to ₹10 Lakhs.

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COVID-19 Specific Health Insurance

National Corona Kavach Policy

National Health Insurance Company has recently launched an insurance plan called 'Corona Kavach Policy' that provides coverage for...

Corona Kavach features and benefits
Eligibility requirements
Buying process of the plan

Covers spouse and children
Home care treatment
No sub-limit

Treatment outside India
OPD diagnosis
Injury due to illegal activity

15-day pre-hospitalization
Discounts available
Tax benefits

Min entry age: 18 years
Max entry age: 64 years
Initial Waiting Period: 30 days
Sum Insured: Up to 5 Lakhs

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Top Up and Super Top Up

Super Top-up Mediclaim Policy

National Super Top-up Mediclaim Policy is a high-threshold health insurance product, covering family members under a single sum in...

Super Top-up Mediclaim features and benefits
Eligibility criteria
Modern treatment cover

Organ donation covered
Morbid obesity treatment covered
Portability allowed
High SI

Treatment outside India
OPD diagnosis
Adventure sport injuries

Affordable premiums
Tax benefits
HIV/AIDS cover

Min entry age: 18 years
Max entry age: 65 years
Initial Waiting Period: 30 days
Sum Insured: Up to 20 L

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Senior Citizen Health Insurance

National Senior Citizen Policy

National Senior Citizen Mediclaim Policy is a plan designed for senior citizens, allowing them to live a relaxed life post-retire...

Plan options available
Domiciliary hospitalization
Modern treatments

Reinstatement of Sum Insured
Cataract
Ambulance Cover

Obesity
Adventure Sports
Illegal Activities

Hospital Cash
Doctor's Home Visit
Funeral Expenses

Min entry age: 60 Years
Max entry age: 80 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 10 L

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Aditya Birla Health Insurance

Aditya Birla Cancer Health Plan

Aditya Birla Cancer Secure Plan is a health insurance plan designed specifically for cancer patients, protecting them financially ...

Up to 1 Cr SI
Minimum Survival Period
All Cancer Stages Covered

Covers all three stages of cancer
150% of Sum Insured
10% No Claim Bonus
High Sum Insured
Lump sum payout

Illness due to intoxicants
Obesity treatment not covered
Hazardous activities not covered
HIV/AIDS not covered
Cosmetic surgery not covered

Wellness coach
Second e-opinion
Short survival period
Up to 1 Crore Sum Insured
Hospitalization Expenses

Entry Age: 18 Years
Maximum Entry Age: 65 Years
Sum Insured: 5 Lakhs to 1 Crore
Waiting Period: 90 days

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Accident Health Insurance

Aditya Birla Personal Accident Plan

Aditya Birla Activ Secure Personal Accident Plan is designed to protect you and your family in case of any unforeseen incident. Th...

Up to 20 Cr SI
11 Optional Covers
Avail Wellness Benefit

Total and partial disability cover
Accidental death cover
No claim bonus
Ambulance cover
Education benefit

Illness due to intoxicants
Obesity treatment unavailable
Hazardous activity not covered
Cosmetic surgery unavailable

Income cover
Loan protect cover
Orphan benefits
Compassionate visit
Coma benefit

Entry age: Minimum 5 years
Maximum 65 years. Sum Insured: 1 Lac - 20 Crore. Waiting period: None.

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Individual and Family Health Insurance

Aditya Birla Activ Health Platinum Enhanced

Aditya Birla Platinum Enhanced Plan offers unique healthcare benefits to insured individuals, such as health insurance protection ...

Critical Illness Cover
Health Coach
SI Up to 2 Crores

Earn 100% health returns
Cover for dental consultations
Modern treatment cover
Wellness coach
Mental illness cover

Illness due to intoxicants
Change of gender treatment
Hazardous activity not covered
HIV/AIDS not covered
Cosmetic surgery unavailable

Chronic management program
Premium waiver benefit
Reload of SI
Road ambulance cover
Second e-opinion

Entry age: 90 days
Max entry age: 45
SI: 1L to 1 Cr
Waiting period: 30 days

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Individual and Family Health Insurance

Aditya Birla Activ Fit Health Plan

Aditya Birla Activ Fit Plan is designed to provide quality medical coverage to young individuals. The plan not only provides medi...

Health Rewards
Avail Multiple Discounts
Optional Covers Available

<ul> <li>Health rewards for maintaining a healthy lifestyle.</li> <li>Optional benefits available.</li> <li>Maternity expense benefits.</li> </ul>

Does not cover air ambulance
No coverage for global treatment

Health Rewards
Avail Multiple Discounts
Optional Covers Available

Minimum Entry Age: 18 years Maximum Entry Age: 65 years Sum Insured: 4-25 Lakh Waiting Period: 30 days

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Critical Illness Health Insurance

Aditya Birla Activ Secure Critical Illness Plan

Aditya Birla Activ Secure Critical Illness Plan is designed to cover your financial losses due to treatment for a critical illness...

64 Critical Illnesses Covered
Replace Loss of Income
Short Survival Period

64 Critical Illnesses Covered
Replaces Loss of Income
Short Survival Period

Does not cover maternity
Does not cover any congenital illness
Does not cover any evaluation purposes

Sum insured up to INR 1 Crore
Available in three different variants (Plans 1
2
& 3) with specific coverage options

Min- 5 years
Max- 65 years

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Senior Citizen Health Insurance

Aditya Birla Activ Care Classic Plan

Aditya Birla Activ Care Classic is designed for senior citizens who need both medical coverage and day-to-day healthcare support. ...

360-degree support to seniors
Cashless home treatment
586 categories of daycare procedures

360-degree support to seniors
Cashless home treatment
586 categories of daycare procedures

Does not cover modern treatments
Vaccinations not covered
Compassionate travel not covered

Tax benefits
Advanced health check-up
Optional room upgrade facility

Min- 55 years
Max- 80

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Individual and Family Health Insurance

Aditya Birla Activ One

Aditya Birla Activ One plan is available as an individual and family floater plan, offering customized features and benefits. Read...

Health Rewards
Avail Multiple Discounts
Optional Covers Available

Chronic illness covered
double coverage

Daily hospital cash not covered
OPD charges not covered
Maternity not covered

Initial waiting period: 30 years.

Adults: 18+ years (no maximum age); Children: 91 days to 25 years; Policy Tenure: 1 to 3 years.

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Individual and Family Health Insurance

Aditya Birla Activ Health Platinum Premiere

The Activ Health Platinum Premiere plan is a variant of the Aditya Birla Activ Health insurance plan. It safeguards you from healt...

Mental illness cover
Physiotherapy
Critical illness cover

Annual health check-up
Pre-hospitalization cover
Post-hospitalization cover
Daycare procedure

Obesity/ weight control
Change of gender treatments
Hazardous or adventure sports. Maternity (basic cover)
IVF/sterility treatment

Organ donor cover
International coverage
Optional dental treatment cover
Air ambulance

Entry Age - 91 days
Max Entry Age - 65 Years
SI - 10 L - 2 Cr
Waiting Period - 30 Days

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Senior Citizen Health Insurance

Aditya Birla Active Care Standard Plan

The Aditya Birla Active Care Standard Plan is designed for senior citizens who need strong and regular medical support. It covers ...

Cashless home treatment
Optional lifestyle support
586 daycare procedures

In-patient hospitalization
Daycare treatment
Domiciliary hospitalization
Sum insured restoration
Organ donor expense coverage

Sports injury not covered
Cosmetic treatment unavailable
Baldness not covered
Higher co-payment

AYUSH treatment cover
Second e-opinion covered
Multiple discounts available
COVID-19 treatment cover

Entry age: 55 - 80 years
Sum Insured: INR 3 - 10 Lakhs
Waiting Period: 30 days
Number of insured (floater): self & spouse

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Individual and Family Health Insurance

Aditya Birla Activ Fit Plus Plan

The Aditya Birla Activ Fit Plus plan rewards you for staying fit and healthy. This plan offers a versatile range of benefits desig...

Stay fit & get rewarded
Travel protection cover
Unlimited SI refill

Pre-hospitalization cover
Post-hospitalization cover
Modern treatment cover
Organ donor cover

Obesity/ weight control
Change of gender treatments
Hazardous or adventure sports
External providers
Beauty/cosmetic treatment

10-50-100 benefits
Activ Health App
Binge SI refill
Premium back option
Super no-claim bonus

Entry Age: 91 days Max Entry Age: 45 years Sum Insured (SI): 5 L - 1 Cr Waiting Period: 30 Days

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Individual

Aditya Birla Global Health Secure Plan

Aditya Birla Global Health Secure is an international health insurance plan designed to cover treatment for major critical illness...

16 Major Illness Cover
International Second E-Opinion
Worldwide Cashless Treatment

In-patient Treatment Cover
Post-hospitalization Cover
Accommodation Expenses
Travel Expenses Cover

Floater Option Not Available
Change of Gender Treatments
Alcoholism/Drug Use Cover
Hazardous or Adventure Sports
Maternity Not Covered

No Age Bar for Renewability
Organ Donor Cover
Long-term Discounts
PEDs Post-Waiting Period
Multi-individual Plan Benefit

Entry Age: 91 days - 65 years; Sum Insured: Up to INR 6 Cr; Waiting Period: 30 Days

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Individual and Family Health Insurance

Aditya Birla Arogya Sanjeevani Plan

Aditya Birla Arogya Sanjeevani Policy is an IRDAI-mandated standard health insurance plan designed to provide essential medical co...

All daycare procedures
Covers AYUSH treatment
Cataract expenses covered

All daycare procedures
AYUSH treatment
Cataract expenses covered.

Domiciliary hospitalisation
OPD charges
Automatic restoration.

COVID-19 coverage
Hospitalisation covered
Affordable premiums.

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 5 L.

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Top Up and Super Top Up

Aditya Birla Activ Assure Diamond+ Super Top-Up Plan

Is there a health plan that covers exceeding medical expenses without letting you worry about its limit? Well, Aditya Birla Activ ...

International/domestic emergency
586 daycare procedures
Health and wellness discounts

Cover for hospitalization expenses like COVID-19
Home treatment expenses
Over 586 daycare procedures covered

Daily hospital cash not covered
No maternity cover
Modern treatment not covered
E-consultation not covered

International/domestic emergency cover
586 daycare procedures covered
Health and wellness discounts

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 1 Cr

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Individual and Family Health Insurance

Activ Health Platinum

Activ Health Platinum, a health product by Aditya Birla Health Insurance Company, is a health insurance plan designed to cater to ...

Explore the Eligibility Criteria
Key Features of the Plan
Inclusions & Exclusions

<ul> <li>Post-hospitalization physiotherapy</li> <li>Health coach benefit</li> <li>One premium waiver</li> <li>Health assessment</li> <li>Chronic management program</li> </ul>

<ul> <li>Illness due to intoxicants</li> <li>Gender change treatment</li> <li>Hazardous activity not covered</li> <li>HIV/AIDS not covered</li> <li>Cosmetic surgery</li> </ul>

<ul> <li>Road ambulance cover</li> <li>No Claim Bonus</li> <li>Critical illness cover</li> <li>Domiciliary hospitalization</li> <li>Super Reload of Sum Insured</li> </ul>

Entry Age: 91 days. Maximum Entry Age: 65 years. Sum Insured: 10 Lakhs to 2 Crores.

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Individual and Family Health Insurance

Activ Health Platinum Essential

Aditya Birla Activ Health Platinum Essential Plan is ideal if you are looking for a health insurance cover that protects you again...

Chronic Management Care
Wellness Benefits
COVID-19 Cover

Health returns cover
Chronic management program
Mental illness cover
Home care treatment
Obesity treatment

Illness due to intoxicants
Change of gender treatment
Hazardous activities not covered
HIV/AIDS not covered
Cosmetic surgery unavailable

AYUSH treatment cover
Road ambulance cover
Health check-up program
International cover
Critical Illness cover

Entry age: Minimum 91 days
Maximum: No age limit

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Individual and Family Health Insurance

Aditya Birla Activ One Max Plan

Activ One MAX is another variant of Aditya Birla's Activ One policy. This plan offers notable features, including the flexibility ...

Covers extended family
HealthReturn benefits
6X benefits by 6th year

Cover your extended family
High sum insured options
30 days waiting period

Maternity expenses
Non-medical expenses
Sterility and infertility treatment

Mental illness hospitalization
AYUSH treatment covered
Obesity treatment
Day care treatment

Min entry age: 18 years
Max entry age: No limit
Initial Waiting Period: 30 days
Sum Insured: Up to 2 Cr.

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Individual and Family Health Insurance

Aditya Birla Activ One VYTL

A plan designed for every lifestyle.Aditya Birla Activ One VYTL is a comprehensive health insurance plan designed for individuals ...

Chronic diseases covered from day 1
HLTH meter
HealthReturn program

Non-medical expenses covered
Mental illness covered
Obesity treatment
Home healthcare
AYUSH treatment

Investigation and evaluation
Rest
cure
rehabilitation
and respite care

Organ donor expenses
Annual health check-up
Chronic care

Minimum Entry Age: 18 Years
Maximum Entry Age: No Limit
Initial Waiting Period: 30 Days
Sum Insured: Up to 6 Crores

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Group Health Insurance

Aditya Birla Group Health Insurance

Aditya Birla Group health insurance offers options like Aditya Birla Group Activ Health, Activ Secure, and Activ Travel. Group hea...

Explore Aditya Group Health Plans
Benefits of Aditya Group Insurance
Tax Benefits

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

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

Section 80D tax benefit
Cashless claim settlement
Health check-up and fitness rewards
Digital health tracking via app

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

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Compare with Other Insurers

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Expert Reviewed

Reviewed By: Raj Kumar

With over 12 years of rich experience in the BFSI domain, with a specialisation in Life and Health Insurance, I have played a pivotal role in simplifying the insurance-buying process and delivering unparalleled service.

Number of health insurance plans	No. of Plans 11 ❯	No. of Plans 18 ❯
Sum insured	Sum Insured Up to ₹ 2 Crores	Sum Insured Up to ₹ 1 Cr
Claim ratio	Claim Ratio 91.31%	Claim Ratio 96%
Network hospitals	Network Hospital 3200+	Network Hospital 12900+
Solvency Ratio	Solvency Ratio -0.67	Solvency Ratio 1.88
Pan India Presence	Pan India Presence 850	Pan India Presence 4800
Claim Form	Claim Form Available	Claim Form Available
Annual premium (company level)	Annual premium (company level) 8,589.90 Crore	Annual premium (company level) 4,821.70 Crore
Years in operation	Years in operation 1906	Years in operation 2016
24×7 claim support	24×7 claim support Yes	24×7 claim support Yes
IRDAI registration number	IRDAI registration number 58	IRDAI registration number 153
Claims settled within 3 months	Claims settled within 3 months 91.18	Claims settled within 3 months 92.97
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