Aditya Birla Health Insurance: In today’s fast-paced world, health is no longer a luxury—it’s a necessity. With rising medical costs, lifestyle-related illnesses, and unpredictable emergencies, having a solid health insurance plan isn’t just wise—it’s essential.
Among the top providers in India, Aditya Birla Health Insurance stands out—not just for covering your medical bills but for rewarding you to stay fit and healthy. It’s health insurance with a twist: prevention is as important as protection.
In this blog, we’ll explore what makes Aditya Birla Health Insurance different, how its plans work, real customer experiences, and expert-backed reasons why it might be the right choice for you or your family.
Why Health Insurance Matters More Than Ever
Let’s start with a reality check.
Medical inflation in India is growing at ~14% annually, according to a 2023 report by Mercer Marsh Benefits. A single hospitalization—whether due to dengue or a minor surgery—can cost anywhere from ₹50,000 to ₹5 lakhs in private hospitals.
Without insurance, these costs come straight from your pocket.
But health insurance does more than just cover hospitalization. It offers:
- Cashless treatment at network hospitals
- Coverage for pre and post-hospitalization expenses
- Access to wellness programs and second opinions
- Peace of mind for you and your loved ones
Aditya Birla Health Insurance: Overview
Who Are They?
Aditya Birla Health Insurance Co. Limited (ABHICL) is a part of Aditya Birla Capital Ltd., backed by the globally trusted Aditya Birla Group. Since its inception in 2015, ABHICL has been redefining health insurance by focusing on holistic well-being—prevention, care, and recovery.
As of 2024:
- 💼 Over 20 million lives covered
- 🏥 More than 10,000+ network hospitals
- 💪 India’s first insurer to link health insurance with fitness-based rewards
What Makes Aditya Birla Health Insurance Unique?
1. HealthReturns™ – Get Paid to Stay Fit
Yes, you read that right.
Aditya Birla’s standout feature is HealthReturns™, a reward program that literally pays you for being healthy.
How it works:
- You download the Activ Health app
- Track steps, workouts, sleep, or yoga
- Earn HealthReturns™ points based on your fitness score
- Use those points to pay premiums, medicines, or diagnostic tests
👉 Example: Ravi, a 35-year-old software engineer in Pune, walks 10,000 steps daily and does yoga twice a week. Thanks to his high vitality score, he earned ₹7,500 worth of HealthReturns™ in a year—reducing his out-of-pocket costs for health needs.
2. Chronic Management Program
India has a high rate of chronic conditions like diabetes, hypertension, and asthma. Aditya Birla offers specialized programs for chronic care:
- Free doctor consultations
- Diet plans and lifestyle advice
- Home delivery of medicines
- Unlimited virtual consultations
This focus isn’t just on claims—it’s on long-term health outcomes.
3. Activ Assure & Activ Health Plans: Flexible, Value-Packed
Let’s explore their most popular offerings.
Key Plans by Aditya Birla Health Insurance
🔹 Activ Health Platinum Enhanced Plan
A comprehensive plan for individuals and families that offers:
- Sum Insured: ₹2 lakhs to ₹2 crores
- Day 1 cover for chronic conditions like diabetes, BP, asthma
- No Room Rent Limit
- Unlimited Reload of Sum Insured
- HealthReturns™ rewards up to 30% of premium
Why customers love it: You don’t just wait for illness—you stay engaged with your health from day one.
🔹 Activ Assure Diamond Plan
Great for people looking for higher coverage and more features, including:
- Global Emergency Care
- AYUSH Coverage (Ayurveda, Yoga, Unani, Siddha, Homeopathy)
- Daily Hospital Cash Benefit
- Maternity Cover (after waiting period)
Best for: Young families, working professionals, or those with aging parents.
🔹 Group Health Insurance Plans
Aditya Birla also offers customized corporate group policies with wellness benefits and OPD covers. Many startups and mid-sized firms are opting for ABHI due to employee wellness perks and teleconsultations.
Expert Insights: Why Insurance Advisors Recommend ABHI
We spoke to Rajeev Menon, a certified financial planner based in Mumbai:
“Aditya Birla Health Insurance bridges the gap between reactive and proactive healthcare. Their app ecosystem, rewards, and digital health journey are truly next-gen. It’s ideal for young, urban policyholders who are fitness-aware.”
Pro Tip: Use your HealthReturns wisely. Save them for routine expenses—like annual blood tests or vitamin supplements. It’s like having a mini health wallet.
What’s Covered Under Aditya Birla Health Plans?
| Feature | Included |
|---|---|
| Hospitalization (including ICU) | ✅ |
| Pre & Post Hospitalization (30 to 60 days) | ✅ |
| Ambulance | ✅ |
| Daycare Procedures (600+ types) | ✅ |
| AYUSH treatments | ✅ |
| Mental Health Counseling | ✅ (on select plans) |
| Wellness & Fitness Coaching | ✅ |
What’s Not Covered?
Like all insurers, ABHI has certain exclusions:
- Treatment for alcohol/drug abuse
- Cosmetic or plastic surgery
- Unproven treatments
- Self-inflicted injuries
- Dental (unless due to accident)
Always read your policy wording for a full list.
Digital Ecosystem: Activ Health App
Aditya Birla’s Activ Health app is not just another insurer portal. It’s your daily health coach.
With it, you can:
- Book doctor consultations
- Track your fitness and wellness score
- Access medical records
- Redeem HealthReturns™
- Get health tips and meal suggestions
Rita Sharma, a 42-year-old homemaker from Jaipur, shares:
“The Activ Health app helped me take control of my sugar levels. I got coaching calls, diet guidance, and even cashback. It’s like having a nutritionist in your pocket.”
Network Hospitals & Claims
ABHI’s cashless network includes over 10,000 hospitals across India. Their claim settlement ratio stands strong at ~95%, as per IRDAI 2023 reports.
Claim Process (Cashless):
- Visit a network hospital
- Show your ABHI e-card
- Hospital sends pre-authorization
- Treatment proceeds without cash from your pocket
Claim Process (Reimbursement):
- Get treated at a non-network hospital
- Submit bills within 15 days
- Get reimbursement directly into your bank account
Most claims are settled within 7–10 days, provided documents are in order.
Real-Life Stories: The Human Side of Insurance
A Father’s Gratitude
Prakash Mehta, 48, from Ahmedabad, had a sudden cardiac episode in 2023. His Activ Health plan covered the ₹5.8 lakh bill at a top-tier hospital.
“Without it, I’d have wiped out my savings. I didn’t even have to file papers. My son just used the app. It felt like someone had my back when I needed it most.”
Fitness for Rewards
Neha, 29, a yoga instructor from Bengaluru, uses the ABHI app daily. Her HealthReturns points have paid for two diagnostic tests and 3 months of medicine for her mother.
“It feels like they care about my lifestyle—not just my illnesses.”
Premiums: What Should You Expect?
Premiums vary based on:
- Age
- Sum insured
- Pre-existing conditions
- Type of plan (individual vs family floater)
As a rough idea:
| Age Group | ₹10L Sum Insured (Individual) |
|---|---|
| 25 years | ₹7,000 – ₹10,000/year |
| 35 years | ₹9,000 – ₹13,000/year |
| 45 years | ₹13,000 – ₹18,000/year |
You can save up to ₹25,000 in tax under 80D, too!
Final Thoughts: Is Aditya Birla Health Insurance Worth It?
If you’re someone who values preventive care, digital ease, and lifestyle-linked rewards, Aditya Birla Health Insurance is more than just a fallback plan—it’s a partner in your wellness journey.
It doesn’t just step in when you’re sick. It walks beside you while you’re staying fit, managing chronic conditions, and building healthy habits.
In an age where health is wealth, this kind of insurance is not an expense—it’s an investment.
Quick Recap
- ✅ Plans for all ages & needs
- 💰 HealthReturns for staying fit
- 🏥 Wide hospital network + cashless claims
- 📱 Smart app ecosystem
- 💬 Real-life impact stories
- 💸 Tax savings under 80D
