Aditya Birla Health Insurance: Plans, Benefits & How to Buy in 2025

When it comes to protecting yourself and your family from unexpected medical expenses, choosing the right health insurer matters just as much as choosing the right plan. Aditya Birla Health Insurance has quickly become one of the most talked-about names in the Indian health insurance space — and for good reason. Whether someone is searching for affordable plans, looking up the Aditya Birla Health Insurance customer care number, or comparing reviews before making a decision, this guide covers everything in one place.

What Is Aditya Birla Health Insurance?

Aditya Birla Health Insurance Company Limited (ABHICL) is a joint venture between the Aditya Birla Group — one of India’s largest conglomerates — and MMI Holdings, a South Africa-based financial services company. Founded in 2015, the company was built with a clear mission: to go beyond just paying claims and actually encourage people to live healthier lives.

What sets Aditya Birla Health Insurance apart from traditional insurers is its strong focus on wellness, chronic disease management, and incentivized healthy living. The company has insured over 2.1 crore lives and operates in more than 5,000 cities across India, making it one of the fastest-growing health insurers in the country.

Why Choose Aditya Birla Health Insurance?

People researching is Aditya Birla health insurance good often arrive at the same conclusion — it offers a unique blend of financial protection and proactive health management that many competitors simply don’t. Here’s what makes it stand out:

High Claim Settlement Ratio Aditya Birla Health Insurance boasts a 96% claim settlement ratio, which means nearly all claims submitted are honored. For policyholders, this is one of the most reassuring numbers to see before buying a policy.

Cashless Everywhere Claim Facility Unlike many insurers that only allow cashless treatment at network hospitals, Aditya Birla Health Insurance offers a “Cashless Everywhere” facility — meaning policyholders can avail cashless treatment even at non-network hospitals during emergencies.

Lifetime Renewability One of the standout features is lifetime renewability without any age restrictions. Once someone buys a policy, they can keep renewing it for life.

HealthReturns™ Wellness Rewards Program This is truly unique to Aditya Birla. Policyholders can earn HealthReturns™ — essentially cash rewards — by staying active, doing preventive health check-ups, and meeting daily fitness goals. This turns the insurance policy into something far more interactive and rewarding.

Dedicated Care Managers Each policyholder gets access to dedicated Care Managers who assist during the claim process, help navigate hospital formalities, and provide guidance at every step — something that is especially helpful for first-time insurance buyers.

Aditya Birla Health Insurance App The Active Health App (also referred to as the Aditya Birla Health Insurance app) is a fully digitized platform that lets users manage their policy, track health goals, check Aditya Birla Health Insurance claim status, and even connect with doctors — all from a smartphone.

Types of Aditya Birla Health Insurance Plans

Aditya Birla Health Insurance plans are designed to serve a wide range of people — individuals, families, senior citizens, and those looking for disease-specific coverage.

A. Individual & Family Plans

Activ One NXT This is one of the most premium offerings in Aditya Birla’s portfolio. Policyholders can earn up to 100% of their premium back as HealthReturns™ simply by walking 10,000 steps daily or burning 300 calories. The plan also offers 2X Sum Insured from Day 1, which is a massive benefit for new policyholders who fear the usual waiting periods.

Activ Health Platinum Available in Essential, Enhanced, and Premiere variants, this plan goes beyond standard hospitalization. It covers OPD consultations, maternity expenses, and even non-medical items — making it a comprehensive all-rounder for families.

Activ Assure Diamond Designed for those who want wide-ranging medical coverage at a reasonable cost, the Activ Assure Diamond plan comes with optional add-ons such as reduction in pre-existing disease (PED) waiting period and unlimited reload of sum insured.

Activ Fit Targeted at fitness enthusiasts, the Activ Fit plan rewards an active lifestyle and includes an unlimited reload of sum insured up to 100% from Day 1 under what the company calls the “binge refill benefit” — a handy feature for families prone to multiple hospitalizations in a year.

B. Senior Citizen Plans

Activ Care Designed specifically for people aged 50 and above, Activ Care comes in Standard, Classic, and Premier variants. It addresses the unique healthcare needs of older adults and offers coverage that many standard plans wouldn’t extend to seniors.

C. Specialist & Disease-Specific Plans

Activ Cancer Secure A customized plan specifically built to cover the high costs of cancer treatment — from diagnosis to surgery, chemotherapy, and follow-up care.

Activ Secure Critical Illness This plan covers up to 64 critical illnesses and procedures and is available in three types, giving policyholders the flexibility to choose what level of protection they need.

Global Health Secure For those who travel frequently or seek treatment abroad, Global Health Secure offers international health insurance covering 16 major illnesses, including cancer and neurosurgery. It’s a niche but extremely valuable plan for a growing segment of Indian consumers.

Activ Secure Personal Accident This plan provides financial support in the event of accidents and is available in five types, covering everything from accidental death to partial disability.

Key Features & Benefits of Aditya Birla Health Insurance

Understanding the features before buying a policy helps people make an informed decision — and here’s what Aditya Birla’s plans typically offer:

Comprehensive Hospitalisation Coverage Plans cover room boarding, nursing charges, medical practitioners’ fees, ICU charges, and prescribed medicines during hospitalisation.

Pre & Post-Hospitalisation Coverage Coverage doesn’t just kick in when someone is admitted. Doctor consultations, diagnostic tests, and medications before and after hospitalisation are also covered.

Ambulance Cover: Transportation charges to and from the hospital are included, which is especially important during emergencies.

No-Claim Bonus If no claims are made during a policy year, policyholders enjoy a higher sum insured at renewal without any increase in premium — a great incentive for those who stay healthy.

Daycare Procedures Aditya Birla covers 586 listed daycare procedures, even if the hospitalisation is less than 24 hours — this is far above industry average.

Wellness Programs The insurer actively rewards healthy habits — from gym visits to preventive health screenings — through its HealthReturns™ program.

Tax Benefits Premiums paid toward Aditya Birla Health Insurance plans are eligible for tax deductions under Section 80D of the Income Tax Act, which can save policyholders anywhere from ₹25,000 to ₹1,00,000 annually, depending on age and coverage.

Coverage Inclusions & Exclusions

What’s Covered

• Inpatient hospitalization
• Pre and post-hospitalization expenses
• Daycare procedures
• AYUSH (Ayurveda, Yoga, Unani, Siddha, Homeopathy) treatments
• Maternity and newborn cover (on selected plans)
• Mental health coverage
• OPD consultations and diagnostics (on selected plans)

What’s Not Covered

• Cosmetic and aesthetic treatments
• Self-inflicted injuries
• Pre-existing conditions during the waiting period
• Experimental or unproven treatments

Understanding exclusions helps policyholders avoid surprises at claim time — one of the most common pain points cited in Aditya Birla Health Insurance reviews.

Eligibility & Entry Age

• Individual plans are available for adults, with children covered under family floater options
• Children can be included in a policy either as individual members or under a family floater basis with parents
• The Activ Care plan is available for senior citizens starting from age 50
• A medical check-up may be required for applicants above a certain age, depending on the plan chosen

How to Buy Aditya Birla Health Insurance

Buying a policy is simpler than most people think, and there are multiple convenient options:

Online via the Official Website or App The most straightforward way is to visit the official Aditya Birla Health Insurance website or download the Aditya Birla Health Insurance app and buy a policy in minutes. Users can also use the app to complete Aditya Birla Health Insurance login, manage policies, and download documents.

Through Insurance Aggregators The plans are available on popular platforms like PolicyBazaar, Coverfox, and InsuranceDekho, making it easy to compare options before buying.

Via Agents or Bank Partners Those who prefer face-to-face guidance can approach authorized agents or bank branches that have partnered with Aditya Birla Health Insurance Company Limited.

Documents Required

• ID proof (Aadhaar, PAN, Passport)
• Age proof
• Recent medical history or health declaration form

How to Download the Aditya Birla Health Insurance Policy

Once a policy is issued, policyholders can complete Aditya Birla Health Insurance policy download directly from the app or the company’s website after logging in. This is one of the most searched queries, and the process takes just a few clicks under the “My Policies” section.

Aditya Birla Health Insurance Renewal

Renewing a policy on time is critical to maintaining uninterrupted coverage. Aditya Birla Health Insurance renewal can be done online via the official website or app, through aggregators, or by calling the Aditya Birla Health Insurance customer care number. Since the company offers lifetime renewability, existing policyholders never have to worry about being turned away at renewal due to age.

How to File a Claim

Knowing how to claim Aditya Birla Health Insurance before a medical emergency occurs can save a lot of stress. Here’s how the process works:

Cashless Claims

For planned hospitalization, policyholders should intimate the insurer at least 3 days before admission. A pre-authorization form is then sent to the hospital for approval. Once approved, the hospital bill is settled directly between Aditya Birla and the hospital — the policyholder doesn’t pay out of pocket.

Reimbursement Claims

In case of an emergency hospitalization, policyholders should inform the company within 48 hours. For planned procedures, the notification window is 3 days before. The policyholder pays the bill, collects all documents, and then submits them to the insurer for reimbursement. Claims — including rejections — are settled within 7 working days of document receipt, with a maximum timeline of 30 days.

How to Check Claim Status

Policyholders can check their Aditya Birla Health Insurance claim status online through the app or website, or by calling the toll-free number.

Aditya Birla Health Insurance Claim Form

The claim form is available for download on the official website and through the app. It’s straightforward to fill in and can also be submitted digitally.

Aditya Birla Health Insurance Network Hospital List

Aditya Birla has one of the most extensive cashless hospital networks in the country, with over 10,051 network hospitals offering cashless treatment across India.

To find the Aditya Birla Health Insurance hospital list, policyholders can:

• Search on the official website using their city or PIN code
• Use the Aditya Birla Health Insurance app’s “Find Hospital” feature
• Search for the Aditya Birla Health Insurance network hospital list by locality or specialty

For those looking for an Aditya Birla Health Insurance office near me, the official website also has a branch locator tool that lists all regional offices across the country.

Premium & Pricing

One of the most common questions people have is how much an Aditya Birla Health Insurance policy costs. Plans start at just ₹270 per month for coverage of up to ₹5 lakh, making it accessible for a wide range of budgets.

Factors That Affect Premium:

• Age of the policyholder(s)
• Sum insured chosen
• Plan type and variant
• City/zone of residence
• Pre-existing medical conditions

Long-Term Discounts: Aditya Birla rewards loyalty — policyholders enjoy a 5% discount from the 4th to 7th policy year and a 10% discount from the 8th year onwards at renewal.

Aditya Birla Health Insurance vs Competitors

Many buyers ask — which is better: Star Health or Aditya Birla Health Insurance? Here’s a quick comparison to help:

Feature	Aditya Birla	Star Health	Niva Bupa	ICICI Lombard
Claim Settlement Ratio	96%	~90%	~91%	~87%
Wellness Rewards	HealthReturns™ ✅	Limited	Limited	No
Cashless Hospitals	10,051+	14,000+	8,700+	6,500+
Lifetime Renewability	Yes	Yes	Yes	Yes
Senior Citizen Plans	Yes (50+)	Yes	Yes	Yes
International Coverage	Yes (Global Health Secure)	No	Limited	Limited
Care Manager Support	Yes	No	No	No

While Star Health has a slightly larger cashless hospital network, Aditya Birla’s wellness rewards, Care Manager support, and higher claim settlement ratio make it a strong contender — especially for health-conscious individuals and families.

Aditya Birla Health Insurance Reviews & Ratings

Based on publicly available feedback, Aditya Birla Health Insurance reviews are generally positive, particularly around:

• Claims Experience: Most policyholders report smooth cashless claim experiences at major network hospitals
• App Usability: The Active Health App consistently receives good ratings for ease of use, wellness tracking, and policy management features
• Customer Support: The Aditya Birla Health Insurance customer care team is frequently praised for responsiveness and helpfulness

Common complaints in some reviews include delays in reimbursement claims and queries about exclusion clauses — issues that are common across the insurance industry.

Aditya Birla Health Insurance Customer Care

For any queries, complaints, or support, policyholders can reach out through multiple channels:

• Aditya Birla Health Insurance Customer Care Number / Toll Free Number: Available on the official website (1800-270-7000)
• Email support through the official website
• Aditya Birla Health Insurance app for self-service options
• Branch visit using the office locator on the website

How to Cancel Aditya Birla Health Insurance

For those wondering how to cancel Aditya Birla Health Insurance, the process is as follows:

1. Submit a written cancellation request to the company via email or at the nearest branch
2. The request should include the policy number, reason for cancellation, and supporting documents if applicable
3. If done within the free-look period (usually 15 days from policy receipt), a refund of the premium is provided after deducting proportionate risk premium

Those asking how to cancel Aditya Birla Health Insurance policy after the free-look period should note that a partial refund may be applicable on a pro-rata basis, subject to no claims having been made.

FAQs About Aditya Birla Health Insurance

Conclusion

Aditya Birla Health Insurance Company Limited has carved out a distinctive niche in India’s health insurance market — not just as a financial safety net, but as a partner in health. With a 96% claim settlement ratio, 10,051+ network hospitals, the innovative HealthReturns™ wellness program, and lifetime renewability, it checks most of the boxes that modern health insurance buyers look for.

Whether someone is exploring plans for the first time, comparing how Aditya Birla Health Insurance stacks up against competitors, figuring out their Aditya Birla Health Insurance renewal, or simply tracking their Aditya Birla Health Insurance claim status, the company’s digital infrastructure and customer support make the entire journey relatively friction-free.

For anyone still on the fence, the best next step is to visit the official website, explore the Aditya Birla Health Insurance plans, and use the free quote tool to see what coverage looks like for their specific needs and budget.

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