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Reviewed by Finzony Finance TeamLast updated:
Activ Fit is designed for young and health-conscious customers who want more than traditional hospitalization cover. The plan combines health insurance with wellness rewards, HealthReturns, fitness-linked benefits and discounts for maintaining a healthy lifestyle. It offers up to 50% HealthReturns, a 10% upfront good-health discount and an early-bird renewal discount for eligible younger entrants.
Up to 50% HealthReturns + 100% Unlimited Refill + Good Health Discount + Maternity
Activ Fit stands out for customers who actively track their health and want financial rewards for healthy habits. Along with hospitalization protection, it provides unlimited 100% Sum Insured refill, pre- and post-hospitalization coverage, domiciliary treatment, AYUSH treatment and maternity benefits under the applicable plan variant. Optional benefits can further extend protection, but customers should check variant-specific terms, waiting periods and eligibility before purchase.
Aditya Birla Health Insurance
Key Insights
Founded
2015
Aditya Birla Health Insurance was established 11 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
95.8% CSR, calculated as a 3-year average
Aditya Birla Health Insurance settles 95.8% of all claims it receives, demonstrating strong credibility.
Network Hospitals
13,000+
Aditya Birla Health Insurance has a network of 13,000+ hospitals, ensuring wide accessibility and convenience for policyholders.
Earn up to 50% of the policy premium back by maintaining eligible healthy habits and fitness activity.
Rewards depend on Activ Dayz and Healthy Heart Score.
Get 100% of the Sum Insured refilled unlimited times during the policy year when the available Sum Insured becomes insufficient for an eligible claim.
Subject to policy terms and covered illness/injury.
Get up to 10% upfront discount on the first policy premium after completing the required health assessment.
Available once at first policy purchase.
Eligible customers entering below age 35 can receive renewal discounts for maintaining the policy.
Applicable discounts depend on policy year and eligibility.
Earn an additional 10% of Sum Insured for each claim-free year, subject to the maximum specified under the plan.
Maximum can reach 100% of Sum Insured.
Optional benefit that can double the Sum Insured after two consecutive claim-free years.
Additional premium and eligibility conditions apply.
Provides a premium-free year after specified critical illness or qualifying Permanent Total Disablement due to an accident.
Subject to applicable conditions.
Initial waiting period: 30 days. Pre-existing diseases: 36 months. Specific waiting period: 24 months. Maternity and other optional benefits may have separate waiting periods and conditions.
Initial Waiting Period
Initial waiting period for illnesses from policy commencement; accidental injuries are treated as per policy terms.
Pre-existing Diseases
Pre-existing diseases are covered after completion of the applicable waiting period, subject to policy terms.
Specific Diseases & Procedures
Specified diseases and procedures are subject to the applicable waiting period.
Maternity & Optional Benefits
Maternity and selected optional benefits may carry separate waiting periods and eligibility conditions.
Conditions or treatments that the policy clearly says it will not cover.
The plan provides hospitalization coverage for eligible illnesses and injuries, including modern treatments, mental healthcare, HIV/AIDS and STDs as per policy terms. Certain treatments, procedures and conditions can be subject to specific waiting periods or exclusions.
Insurer
Aditya Birla Health Insurance plans and claim process
Activ Fit is a health insurance plan from Aditya Birla Health Insurance combining hospitalization protection with wellness rewards and fitness-linked benefits.
It is designed for younger and health-conscious customers who want health insurance with wellness rewards and fitness-linked benefits.
Eligible policyholders can earn up to 50% of the policy premium as HealthReturns by meeting the applicable activity and Healthy Heart Score criteria.
Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Claim settlement ratios are from IRDAI Annual Reports. Finzony is not an insurance broker or agent. Verify all details on the official Aditya Birla Health Insurance website before purchasing.
Contact Details
1800 270 7000
Headquarters: 9th Floor, Tower 1, One World Centre, Jupiter Mills Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai – 400013, Maharashtra, India.
The aforementioned ratios have been averaged over three years (FY24-FY26)
Provides fixed payouts for eligible baggage loss/delay, trip cancellation, interruption, delay or missed connecting flights.
Optional cover with defined limits.
Provides a lump-sum benefit toward eligible loan EMIs after qualifying hospitalization or home-treatment events.
Cover limits and conditions apply.
Optional/variant-specific maternity protection covering eligible maternity and newborn-related expenses.
Waiting period and applicable variant conditions apply.
Binge Refill provides 100% of the Sum Insured as a refill, unlimited times during the policy year for eligible claims, subject to policy terms.
Eligible customers can receive an upfront discount of up to 10% on the first policy premium after completing the required health assessment.
Eligible customers entering below age 35 can receive renewal discounts according to the applicable policy-year conditions.
Maternity benefits are available under the applicable Activ Fit variant and are subject to waiting periods, limits and policy conditions.
Yes. Eligible pre-hospitalization expenses can be covered for up to 90 days and post-hospitalization expenses for up to 180 days, subject to policy terms.
Yes. Eligible treatment taken at home can be covered when the medical condition would otherwise have required hospitalization, subject to policy conditions.
Yes. Eligible inpatient AYUSH treatment is covered subject to applicable policy terms and conditions.
The standard pre-existing disease waiting period is 36 months, subject to policy terms.
The initial waiting period is 30 days for illnesses, subject to applicable exceptions and policy terms.
Specified diseases and procedures are subject to their applicable waiting period under the policy wording.
Yes. The plan provides an additional bonus for claim-free years, subject to the maximum applicable under the policy.
It is an optional benefit that can increase the Sum Insured after consecutive claim-free years, subject to applicable conditions.
Eligible mental healthcare is covered according to the applicable policy terms and conditions.
Eligible treatment is covered according to the applicable policy wording and conditions.
Premium Waiver is an optional benefit that can provide a premium-free year after qualifying events, subject to policy conditions.
Travel Protect is an optional cover providing defined benefits for eligible travel-related events such as baggage delay or trip interruption.
Yes. EMI Protection is an optional benefit that can provide a lump-sum amount toward eligible loan EMIs after qualifying events.