Aditya Birla Health Insurance (2016, a JV of Aditya Birla Capital and Momentum Group of South Africa) offers ...Read More
Aditya Birla Health Insurance (2016, a JV of Aditya Birla Capital and Momentum Group of South Africa) offers individual, family floater and senior-citizen plans. Its policies cover hospital expenses and support overall health with added wellness benefits. ...Read Less
16,500+
Cashless hospitals
95.68%
Claim settlement
6 Cr
Max sum insured
18
Active plans
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,716 reviews
🏥 16,500+ hospitals
📊 1.84x solvency ratio
✅ 95.68% claim settlement
What you get with Aditya Birla Health Insurance
The headline features and policy mechanics, at a glance.
Sum insured up to 6 Cr
Coverage scales from entry-level individual plans to high-end family-floater protection.
16,500+ cashless hospitals
Direct billing at network hospitals across 225 presence — no out-of-pocket payment at admission.
95.68% claim settlement
Industry-leading approval rate on eligible claims received in the most recent fiscal year.
1.84x solvency ratio
Well above IRDAI's 1.5× floor — strong indicator of long-term claim-paying ability.
18 active plans
Choose from individual, family floater and senior-citizen variants to match your household.
Aditya Birla Health Insurance offers comprehensive health plans that go beyond basic hospitalization, covering modern treatments, wellness benefits, and high-value claims support. With a claim settlement ratio of 95.68% (FY 2025-26) and popular plans like Activ One, it is a reliable choice for individuals and families looking for flexible and long-term health coverage in India.
It is a joint venture between Aditya Birla Capital Ltd. (ABCL) and Momentum Group Ltd. of South Africa.
Aditya Birla Health Insurance covered 1.90 crore lives in FY 2024-25 (IRDAI) and offers plans for individuals, families, and parents.
A comprehensive chronic management program to promote a healthy lifestyle
225 branch offices across India
International travel for treatments
Unlimited teleconsultations
Aditya Birla Health Insurance Awards and Accolades
Best Health Insurance Company of the Year
Best Group Insurance Growth
Best Talent Diversity and Culture Initiative
Excellence in Claims Service
Best Product Innovation - BFSI
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences, and a recommendation on who should buy.
Aditya Birla Health Insurance Review
Aditya Birla Health Insurance Plan 2023
Aditya Birla Health Insurance Plan Detailed Review
Aditya Birla Health Insurance
Aditya Birla Health Insurance Performance Over the Last 5 Years
Financial Year
Gross Direct Premium (₹ Cr)
YoY Growth
Claims Paid
Claims Repudiated
Claims Paid (%)
Incurred Claim Ratio
Lives Covered
2024-25
4,822
30.3%
22,84,121
96,675
95.94%
75.97%
1.90 Cr
2023-24
3,701
36.2%
12,59,559
57,414
95.64%
72.98%
1.25 Cr
2022-23
2,717
57.3%
8,13,715
34,071
95.98%
63.00%
1.13 Cr
2021-22
1,727
32.7%
3,87,276
25,970
93.72%
77.88%
2.07 Cr
2020-21
1,301
–
96,856
11,603
89.30%
54.77%
1.25 Cr
Source: IRDAI Handbook on Indian Insurance Statistics 2024-25 (Tables 40, 53, 58, 62). Claims Paid (%) = claims paid ÷ (paid + repudiated), by number of claims. Lives covered include group and government-scheme members, which is why they swing between years.
Aditya Birla's premium grew 3.7x in five years, from ₹1,301 Cr to ₹4,822 Cr, and it paid 22.8 lakh claims in FY 2024-25, more than 20 times the 96,856 it paid in FY 2020-21.
Adults 18+ (no upper limit); children 91 days–25 yrs (floater) or 5 yrs+ (individual)
3 years (optional reduction to 2 or 1 year)
Chronic Care from day 1 (diabetes, hypertension, asthma, hyperlipidaemia, COPD, obesity, CAD); Super Credit up to 100% of base SI; unlimited Super Reload; HealthReturns up to 100% of premium; 90/180 days pre/post
Families wanting high cover and day-1 cover for chronic conditions
Up to 65 yrs; children from 91 days (floater) or 5 yrs (individual)
36 months
Tops up a base or corporate policy; no room rent limit; 586 day-care procedures; 30/60 days pre/post; HealthReturns up to 30%; 1–3 year term (up to 10% discount)
People with employer cover wanting cheap extra protection
Book a free call with a PolicyX expert
Why Choose Aditya Birla Health Insurance?
Inflation-Proof Health Insurance with Super Credit
Super Reload for continuous coverage
Inclusive Health Insurance with Coverage Against Chronic Illnesses
*HDFC ERGO is a general insurer, so its premium covers all lines of business.
Aditya Birla's claim settlement ratio is close to Care's and well above Star's and Niva Bupa's, and its network is larger than Niva Bupa's. Its premium base is the smallest of the five.
What Is Covered By Aditya Birla Health Insurance?
Pre and Post Hospitalization Expenses
Aditya Birla Health Insurance understands the impact of medical inflation, so they have made sure that their insurance products contain pre and post-hospitalization expenses related to in-patient hospitalization.
AYUSH Treatments
Most Aditya Birla Health Insurance plans have in-built alternative treatment cover which you can utilize to your benefit. AYUSH treatments include Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy.
Hospitalization Expenses
Aditya Birla health insurance plans cover your hospital expenses like room rent, ICU charges, surgery expenses, doctor consultations, and other such expenses.
Day Care Treatments
Multiple procedures do not require a 24-hour hospitalization. With this in mind, a majority of the Aditya Birla health insurance plans are designed to cover day-care procedures for policyholders.
Domiciliary Hospitalization
On a doctor’s recommendation, a policyholder can avail of medical care in the comfort of their home. Aditya Birla health insurance plans cover domiciliary hospitalization up to specified sub-limits.
What Is Not Covered Under Aditya Birla Health Insurance?
Self-Inflicted Injuries
Aditya Birla health policies will not cover injuries or hospitalization caused by self-harm.
Cosmetic Procedures
Aditya Birla Health Insurance plans do not cover any kinds of cosmetic surgeries or treatments.
Adventure Sports
Aditya Birla Health Insurance plans will not cover you for hospitalizations or accidents caused due to adventure sports.
Obesity or Weight Control Treatments
Aditya Birla Health Insurance plans mostly do not cover treatments related to obesity and weight management such as bariatric surgeries.
Involvement In Illegal Activities
Aditya Birla health insurance company plans do not cover individuals or families for hospitalization or injuries caused due to unlawful activities.
What Are The Different Waiting Periods In Aditya Birla Health Insurance Plans?
The various waiting periods associated with Aditya Birla Health plans are:
Initial Waiting Period
Begins from the date of purchase and lasts for up to 30 days for most Aditya Birla Health Insurance plans.
Pre-existing Disease Waiting Period
Aditya Birla Health Insurance plans require you to serve specific waiting periods if you are diagnosed with PEDs such as hypertension, diabetes, or other conditions.
Survival Period
Like waiting periods, Aditya Birla health insurance plans with critical illness coverage have a survival period. During this period, policyholders diagnosed with any listed critical illness must outlive the survival period to enjoy coverage benefits.
Pros and Cons
Pros
Cons
95.68% CSR; it has paid more than 93% of claims every year since FY22
Many plan variants (Activ One alone has seven), so choosing takes care
16,500+ cashless hospitals, more than Star and Niva Bupa
Activ Fit has a 4-year PED waiting period
Activ One covers diabetes, hypertension and asthma from day 1 with Chronic Care
Solvency ratio (1.84x) is lower than Star, Niva Bupa and HDFC ERGO
HealthReturns can give back up to 100% of premium for staying active
HealthReturns need regular step tracking and health checks to earn
Sum insured up to ₹6 Cr with unlimited Super Reload
Smaller premium base (₹4,822 Cr) than Care, Niva Bupa and Star
How To Buy Aditya Birla Health Insurance Plans?
If you are looking forward to purchasing Aditya Birla Health insurance online, follow these simple steps:
Step 1: Visit the PolicyX health insurance page, and enter your details such as name, age, number of members to be covered, and city.
Step 2: Click on 'Get free quotes' and compare Aditya Birla Health Insurance Plans as per your needs.
Step 3: Select and pay premiums online for the Aditya Birla health insurance plan of your choice.
Step 4: Our team of insurance experts at PolicyX will provide you with all the assistance required regarding claims and other queries post-purchase of your Aditya Birla Health Insurance plan.
Documents Required For Aditya Birla Health Policy Claim Settlement
Submit the following documents when filing for Aditya Birla health claims:
Duly completed and signed original claim form
Valid photo-ID proof
Medical practitioner's referral letter and prescription
Original bills, receipts, and discharge cards from the hospital/medical practitioner
Original bills from pharmacy/chemists
Original pathological/diagnostic test reports, radiology reports, and payment receipts
Indoor case papers
First Information Report (FIR) and final police report, if applicable
Post-mortem report, if conducted
Any other document as required by the company to assess the claim
How To Calculate Aditya Birla Health Insurance Policy Premiums?
Compare and calculate the best Aditya Birla health policies with the PolicyX premium calculator using these simple steps:
Step 1: Visit the official PolicyX website.
Step 2: Fill in details such as name, number of family members to be covered, city, and other information.
Step 3: Click on 'Get Quotes'.
How To File A Claim Under Aditya Birla Health Insurance Plan
You can file cashless as well as reimbursement claims for your Aditya Birla Health Insurance Plans by following these easy steps:
Step 1: Visit the website of Aditya Birla Health Insurance and select the "Claim" option. Then click on "Claim Intimation" to access the form.
Step 2: Select "health claim" and provide the required information, such as policy number, date of birth, and other details.
Step 3: Select the "claim type" (cashless or reimbursement). Click "authorize" to receive an OTP on your registered mobile number.
Step 4: Verify with the OTP, then fill in the hospital admission information. Select the hospital or provide details if it's a non-network hospital.
Step 5: Upload the required documents and click "review".
Step 6: After reviewing, submit the intimation for the company's assessment. You will receive a claim intimation number; please note it for future reference.
Aditya Birla Health Insurance Renewal Process
Follow these steps for Aditya Birla Health Insurance policy renewal:
Step 1: Visit the official website of Aditya Birla Health Insurance Company.
Step 2: Click on the ‘Renew’ tab.
Step 3: Mention your ‘Policy Number’ and ‘Date Of Birth’.
Connect with our insurance experts for Aditya Birla health insurance policy renewal at 1800 - 4200 - 269.
Why Aditya Birla Health Claims Get Rejected
In FY 2024-25, Aditya Birla paid 22,84,121 claims and repudiated 96,675 (IRDAI).
Reason
How to Avoid
Pre-existing disease not disclosed
Declare every condition and medication in the proposal form
Claim made during a waiting period (30 days / 2 years / 3–4 years)
Check the waiting periods on your policy schedule
Treatment falls under permanent exclusions
Read the exclusion list in the policy wording
Room above the eligible category
Choose the room type in your policy, or expect a proportionate deduction
Hospitalisation not medically required (OPD-type care)
Hospitalisation must be on a doctor's advice
How To Port To Aditya Birla Health Insurance?
To port your existing policy to Aditya Birla health insurance, follow the steps mentioned below:
Step 1: Fill out the portability form and send the application to Aditya Birla Health Insurance Company at least 30 days, but not earlier than 60 days, before your existing plan's renewal date.
Step 2: As per IRDAI guidelines, the new insurance company will cross-check your medical and claims history from the previous insurer within 7 days of receiving the portability form.
Step 3: Once the policyholder's details are verified, the new insurance company must communicate its decision—either approval or rejection—within 15 days.
All 18 Aditya Birla Health Insurance plans
Every plan currently being sold by Aditya Birla Health Insurance, shown side-by-side so you can shortlist quickly.
Most popularGroup Health Insurance
Aditya Birla Group Health Insurance
Aditya Birla Group health insurance offers tailored plans like Activ Health, Activ Secure, and Activ Travel, designed for businesses with f…
The 15 most-asked questions about Aditya Birla Health Insurance, answered.
Yes. One can avail of the cashless facility under both the variants of Activ Health Platinum Plan (Activ Health Enhanced and Activ Health Essential), provided that the hospital chosen should fall under the Aditya Birla Health Insurance network hospitals.
No, the company is not liable to pay any claim that occurs during the grace period.
No, there are no sub-limits for the room rent & ICU under the Activ care policy. The insured gets the rooms based upon the plan (s)he has chosen.
Under this plan, the policyholders have the freedom to choose their preferred room types. However, the option is applicable only on the sum insured of Rs. 5 Lakhs or above.
Yes, there are some plans such as Activ Fit Preferred and Activ Health Platinum Enhanced that offer maternity coverage. This policy covers the maternity-related expenses incurred on both the mother and the baby, vaccination, etc.
You can port your Aditya Birla Health Insurance plan at the time of renewal. All you need to do is intimate the company with the below-mentioned documents that are required to be presented for portability in Aditya Birla Health Insurance: Plan’s proposal form Portability form Copy of expiring health insurance policy Copy of renewal notice
To view or edit your policy you need to follow the simple process: Click on customer support->View/Change Policy Details->Member Details ->Edit->Date of Birth->Save
With the help of an online calculator, one can easily check their Aditya Birla Mediclaim policies premium. With this calculator, one can calculate their premium online and can get an idea of how much he needs to pay annually.
With over 16,500+ network hospitals, Aditya Birla Health Insurance company ensures to offer you a stress-free cashless facility.
Request for reimbursement claim should be submitted within 15 days of getting a discharge from the hospital or clinic.
Aditya Birla Health Insurance must settle or reject a claim within 15 days of receiving the last necessary document (IRDAI Master Circular, 2024).
To get a list of network providers of Aditya Birla, visit the Network hospital page of policyX.com. Fill in your details and the page will show the network hospitals in your vicinity.
HealthReturns are earned through Active Dayz (daily steps or gym sessions) and a Healthy Heart Score from a yearly health check (blood pressure, BMI, smoking status, fasting blood sugar and cholesterol). Activ One offers up to 100% of premium back as HealthReturns.
Follow the steps given below for the claim process: Check the list of network hospitals from Aditya Birla’s website. At the network hospital, show the cashless card of Aditya Birla Capital Health Insurance and valid ID proof like Passport, PAN Card, Voting card, etc. After the identification is done, the network hospital will send the cashless hospitalization request form to Aditya Birla. (For planned hospitalization, the form needs to be submitted 3 days in advance. For emergency cases, it needs to be submitted within 48 hours after hospitalization). Aditya Birla will review the form. After completion of the formalities, the decision will be forwarded to you through SMS and E-mail. Once done, the payment will be made to the network hospital.
Aditya Birla Health Insurance does not offer any separate health insurance plan for kids. But, they can be covered with their parents on a family floater plan (children from 91 days). Individual policies start at 5 years.
Compare Health Insurance Companies
Pick any two insurers to see a detailed side-by-side comparison.
Insurance:
Compare:
VS
Compare with other insurers
Head-to-head reviews of insurers most often shortlisted alongside Aditya Birla Health Insurance.
Aggregate ratings from 2,716 verified PolicyX customers who bought a Aditya Birla Health Insurance plan.
4.4
out of 5
★★★★☆
2,716 reviews
5 star
60%
4 star
25%
3 star
10%
2 star
4%
1 star
1%
Health Insurance Premium Calculator
PolicyX.com premium calculator offers premium comparison for some of the best health plans in India. Input your details and find the most suitable health insurance policies for your requirements.
ChatGPT
Claude
Perplexity
