Loading...
Loading...
Reviewed by Finzony Finance TeamLast updated:
Activ Yuva is a health-first insurance plan designed around the needs of young adults and modern young families. Along with hospitalization protection, it combines OPD and wellness support with HealthReturns, Yuva Credit and a Travel ON/OFF feature. The plan is designed to remain useful for everyday healthcare as well as unexpected medical expenses.
HealthReturns up to 100% + OPD + Yuva Credit + Travel ON/OFF + Worldwide Maternity
Activ Yuva stands out because it combines traditional hospitalization cover with everyday healthcare and lifestyle benefits. HealthReturns can reward healthy behaviour, while the OPD option can support consultations, diagnostics, dental care, pharmacy and wellness services. Yuva Credit is designed to build additional coverage over time, while the optional Worldwide Yuva Maternity Cover allows eligible customers to start planning for maternity needs early.
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.
Eligible hospitalization expenses are covered up to the applicable Sum Insured, subject to the policy terms and minimum hospitalization criteria.
Regular treatments can qualify with the applicable hospitalization criteria.
Room rent and ICU charges are covered without restrictive capping up to the applicable Sum Insured.
Subject to policy conditions.
Eligible daycare procedures are covered even when 24-hour hospitalization is not required.
Subject to the policy definition of daycare treatment.
Eligible medical expenses incurred before and after hospitalization are covered for the applicable periods under the policy.
Claim must otherwise be admissible.
Eligible healthy behaviour can earn HealthReturns of up to 100% of premium under the EAT.MOVE.HEAL framework.
Actual reward depends on the applicable rules.
Provides worldwide maternity protection with maternity Sum Insured options of ₹1 lakh, ₹1.5 lakh and ₹2 lakh. It covers one delivery event along with specified prenatal, postnatal and assisted reproductive expenses.
Waiting-period options are 1, 2 or 3 years. Start Early can allow an individual to begin serving the waiting period before marriage.
Provides cashless OPD and wellness benefits including consultations, diagnostics, dental procedures, pharmacy, physiotherapy, vision aids and wellness services.
The standard initial waiting period is 30 days except accidental hospitalization. Pre-existing diseases have a 2-year waiting period and specified diseases/procedures have a 2-year waiting period. Applicable optional covers can reduce the relevant waiting period to 1 year.
Initial Waiting Period
Illness-related hospitalization is generally not covered during the first 30 days. This waiting period does not apply to accidental hospitalization.
Pre-Existing Disease Waiting Period
Treatment related to pre-existing diseases is generally covered after 2 continuous years. The applicable reduction option can reduce this period to 1 year.
Specific Disease & Procedure Waiting Period
Specified diseases and procedures have a standard 2-year waiting period. The optional reduction benefit can reduce it to 1 year.
Worldwide Yuva Maternity Waiting Period
The optional Worldwide Yuva Maternity Cover offers waiting-period choices of 1, 2 or 3 years depending on the selected option.
Conditions or treatments that the policy clearly says it will not cover.
Activ Yuva includes coverage for listed specified diseases and procedures subject to the applicable waiting period. The optional Worldwide Yuva Maternity Cover is separately designed for maternity-related expenses and includes its own waiting-period choices.
Insurer
Aditya Birla Health Insurance plans and claim process
Activ Yuva is a health-first insurance plan designed for young adults and young families, combining hospitalization cover with OPD, wellness and reward-based features.
It is particularly designed for young professionals, students, entrepreneurs and young families who want hospitalization protection along with everyday healthcare and wellness benefits.
Adults can enter from age 18 to 65 years. Dependent children can be covered from 91 days to 25 years under eligible Family Floater or Multi-Individual structures.
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)
Can be selected up to the applicable OPD benefit structure. A 20% co-payment may apply to eligible reimbursement claims when cashless service is unavailable.
Provides a fixed lump-sum benefit when hospitalization exceeds 7 consecutive days due to illness or injury.
Available options include ₹50,000 and ₹1,00,000.
Provides health coaching and OPD consultations for up to three listed lifestyle conditions on a cashless basis.
Subject to the applicable program terms.
Covers specified durable medical equipment such as ventilators, wheelchairs, prosthetic devices, suction machines, commode chairs, infusion pumps, CPM devices and oxygen concentrators.
Combined sub-limit up to ₹5 lakh, subject to the policy terms.
Activ Yuva offers Sum Insured options from ₹5 lakh to ₹1 crore along with an Unlimited Sum Insured option, subject to product eligibility and terms.
HealthReturns rewards eligible healthy behaviour and can provide rewards of up to 100% of premium under the applicable EAT.MOVE.HEAL rules.
Yuva Credit is a progressive coverage-building benefit that can increase the effective coverage over time and reach up to 11X in 11 years under the applicable product conditions.
Yes. OPD Cover is available as an optional benefit and can cover consultations, diagnostics, dental procedures, pharmacy, physiotherapy, vision aids and selected wellness services.
Travel ON/OFF allows eligible customers travelling abroad to pause active hospitalization coverage during the selected travel period and reactivate the policy after returning.
Maternity is available through the optional Worldwide Yuva Maternity Cover. It includes maternity expenses subject to the selected maternity Sum Insured and waiting period.
Yes. The Worldwide Yuva Maternity Cover includes a Start Early advantage under which an eligible individual can begin serving the maternity waiting period before marriage.
The Worldwide Yuva Maternity Cover provides waiting-period options of 1, 2 or 3 years depending on the selected option.
The optional Worldwide Yuva Maternity Cover provides maternity Sum Insured options of ₹1 lakh, ₹1.5 lakh and ₹2 lakh.
The standard initial waiting period is 30 days for illness-related hospitalization. Accidental hospitalization is covered from Day 1.
The standard pre-existing disease waiting period is 2 years. The applicable optional reduction cover can reduce it to 1 year.
The standard specific disease and procedure waiting period is 2 years. The optional reduction cover can reduce it to 1 year.
Yes. Eligible daycare procedures are covered subject to the applicable Sum Insured and policy conditions.
Yes. Eligible Home Health Care and Domiciliary Hospitalization benefits are available subject to the applicable policy conditions.
Income Protect Cover is an optional benefit that provides a fixed lump sum if hospitalization exceeds 7 consecutive days due to an illness or injury.
Durable Equipment Cover is available as an optional benefit and can cover specified equipment such as wheelchairs, ventilators and oxygen concentrators subject to its sub-limit and terms.
Yes. Optional covers can reduce the standard specific disease and pre-existing disease waiting periods from 2 years to 1 year, subject to the applicable conditions.