Aditya Birla Health Insurance Review 2026
Aditya Birla Health Insurance stands out with its HealthReturns programme — earn up to 30% of your premium back as cashback for staying healthy. Plus Day 1 cover for diabetes and BP.
Quick Facts
Claim Settlement Ratio: 95.8%
Network Hospitals: 13,000+
Starting Premium: ₹5,400/yr
Max Coverage: ₹2 Crore
Founded: 2015
Headquarters: Mumbai
Aditya Birla Health Insurance Plans
Activ Health Platinum Enhanced
Tag: Most Popular
Coverage: ₹5L – ₹2Cr
Premium: From ₹12,000/yr
Best For: Health-conscious individuals
Key Features
HealthReturns cashback up to 30%
Day 1 cover for diabetes, BP and asthma
No room rent capping
Restoration benefit
OPD cover up to ₹15,000
Mental wellness sessions
Activ Assure Diamond
Coverage: ₹3L – ₹2Cr
Premium: From ₹8,500/yr
10% cumulative bonus
Cashless at 13,000+ hospitals
500+ day care procedures
AYUSH treatment
Domiciliary treatment
Air ambulance cover
Activ Care
Best for Seniors
Entry age up to 80 years
Chronic condition management
Home healthcare
Dedicated senior helpline
Caregiver support
Global Health Secure
Coverage in 190+ countries
Emergency evacuation
Global cashless hospitalization
Maternity cover
Mental health cover
Pros & Cons
Pros
HealthReturns cashback up to 30%
Day 1 coverage for chronic diseases
95.8% claim settlement ratio
13,000+ hospitals
Mental wellness benefits
Entry age up to 80 years
Cons
Requires regular app engagement
Reimbursement claims can be slow
Restrictive OPD limits
Premium rises after age 50
Global plan is expensive
How to File a Claim
Notify Aditya Birla Health
Call 1800-270-7000 or raise claim via app.
Cashless Pre-Authorisation
Hospital submits approval request.
Treatment & Discharge
Approved amount settled directly.
Reimbursement Claim
Submit documents within 30 days.
Toll Free: 1800-270-7000
Our Verdict
Aditya Birla Health is ideal for health-conscious individuals who want rewards for staying fit.
The HealthReturns cashback and Day 1 cover for diabetes/BP make it one of the most unique health insurance products in India.
Best For: Fitness-focused individuals, diabetics, senior citizens
Skip If: You don't want to use the wellness app regularly.
Frequently Asked Questions
What is HealthReturns?
A wellness rewards program that allows cashback up to 30% of annual premium.
Does it cover diabetes from Day 1?
Yes, selected plans provide Day 1 cover for diabetes, hypertension and asthma.
Is it good for senior citizens?
Yes, Activ Care allows entry up to age 80.
What is the claim settlement ratio?
95.8% according to the latest IRDAI report.
How does the Activ Health app work?
It tracks fitness activities, manages policies and claims, and helps earn HealthReturns points.
Disclaimer: Premiums and benefits may change. Verify details on the official Aditya Birla Health Insurance website before purchase.