Aditya Birla vs Niva Bupa Health Insurance 2026

Overview

Aditya Birla Health Insurance is a well-known health insurance company in India that offers plans to help you manage medical expenses and stay financially secure. Started in 2016, it is a joint venture between Aditya Birla Capital Limited and MMI Holdings. The company provides different types of plans, including individual, family floater, and senior citizen plans. Its policies are designed to cover hospital expenses and also support overall health with added wellness benefits, making it a good option for both individuals and families.

COMPANY DETAILS

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Aditya Birla

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Niva Bupa

Number of health insurance plans	No. of Plans 18 ❯	No. of Plans - ❯
Sum insured	Sum Insured Up to ₹ 1 Cr	Sum Insured Up to ₹ 1 Cr
Claim ratio	Claim Ratio 96%	Claim Ratio 98%
Network hospitals	Network Hospital 12900+	Network Hospital 10000+
Solvency Ratio	Solvency Ratio 1.88	Solvency Ratio 3.03
Pan India Presence	Pan India Presence 4800	Pan India Presence 320
Claim Form	Claim Form Available	Claim Form Available
Annual premium (company level)	Annual premium (company level) 4,821.70 Crore	Annual premium (company level) 6,762.23 Crore
Years in operation	Years in operation 2016	Years in operation 2008
24×7 claim support	24×7 claim support Yes	24×7 claim support Yes
IRDAI registration number	IRDAI registration number 153	IRDAI registration number 145
Claims settled within 3 months	Claims settled within 3 months 92.97	Claims settled within 3 months 92.4
Recommended Videos	▶ Aditya Birla Health Insurance Review ▶ Niva Bupa Health Insurance Review \| Max Bupa Health Insurance \| Niva Bupa Health Insurance Plan 2025

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Finding a reliable insurance company is as critical as purchasing suitable medical insurance plans to avail of all the expected benefits of the policy. Here are the 28 most trusted health insurance providers in India.

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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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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.

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