Activ Fit Aditya Birla Health Insurance

When it comes to health insurance plans for young adults, choosing a plan that aligns with an individual’s needs becomes a priority. Enter the Aditya Birla Activ Fit Plan, with its sum insured of up to ₹1 crore, flexible policy tenure, plan type, and much more. 

Aditya Birla Activ Fit is a carefully designed health insurance plan for young adults between 25 and 35 years. The plan not only offers wide coverage and a high sum insured but also promotes a healthy lifestyle by offering additional benefits. Let’s explore the plan in detail. 
 

Highlights of Activ Fit Aditya Birla Health Insurance

check-star Claim settlement ratio - 96%
check-star High sum insurance up to ₹1 crore.
check-star A wide range of base cover.
check-star Exciting additional benefits.
check-star Plenty of optional covers and value-added benefits.
check-star NCB* - 10% of SI, up to 100%
check-star PED Waiting# - 48 months
check-star Network Hospital - 11,000+
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Pros & Cons Activ Fit Aditya Birla Health Insurance

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The Aditya Birla Activ Fit Health Insurance Plan is aimed at covering the health enthusiasts. The plan offers an early bird discount to people entering it at an age of 35 years or less
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Upfront Good Health discount of 10% is another lucrative feature of Aditya Birla Activ Fit Health Insurance Plan. This feature can be obtained once at the time of procuring the policy by policyholders who are 18 years and above by undergoing a Health Risk Assessment successfully
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In addition, the insured also gets the facility of earning up to 50% of premium as HealthReturns
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The plan covers maternity benefits for both pre as well as post-natal maternity costs including vaccinations, stem cell preservation etc.
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In case the sum insured is used up completely due to any health emergency, the policy provides a binge refill of the Sum Insured for unlimited times as required
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Activ Fit Policy doesn’t cover expenses for treatment that arises out of war, invasion, act of foreign enemy, use of radiation, nuclear weapons, war like operation and so on
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The policy also excludes the coverage of treatment due to drug abuse and its consequences because of the high intake of such substances
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The Activ Fit Plan also doesn’t include coverage for various weight management treatments as well as the treatment of obesity
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Treatment for eye sight correction, cosmetic, aesthetic and re-shaping surgeries etc. are also not covered under the Activ Fit plan
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Our verdict

Care Health Insurance is a popular brand in India's health insurance industry. Through its exceptional customer care services and various health insurance plans, the company has gained a wide customer base. Additionally, with a large network of hospitals, ranging over 24,800, it becomes easier for people to opt for cashless treatment, which makes the treatment more affordable.

Opting for a high sum insured in health insurance, like the Care Advantage plan, is a proactive step toward financial well-being, safeguarding both health and wealth in the long run. It becomes possible for families to get quality healthcare services affordably.

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Aditya Birla
Health Insurance Company

Aditya Birla Health Insurance Company Limited was incorporated in 2015 as a joint venture between the Aditya Birla Group and MMI Holdings of South Africa with 51% and 49% stake respectively. The company is a subsidiary of Aditya Birla Capital Limited.

The company offers a wide range of health insurance products consisting of unique insurance covers and offerings including incentive wellness and chronic care. The company believes in transparency, technology, trust and efficient customer service.

Founded in
2015
Number of Claims
20.5+ Lakh
Number of Policies
2.5 Crore+ lives covered
Turnover (GWP)
Rs. 2,399 Crore
JV Partners
JV between Aditya Birla Capital Ltd. (ABCL) and MMI Holdings of South Africa

Claims Experience

Claims Experience Rating 4.7
check-star % of claims settled in less than 30 days
Reflects on the speed of settling valid claims
98.05%
check-star % of Complaints received on overall claims
% customers unhappy with claims experience
0.24%
check-star Claims Incurred Ratio
69.56%
check-star Claim Settlement Ratio (No. of claims)
96%
check-star No. of Cashless Hospitals
11,000+

Benefits of Activ Fit Aditya Birla Health Insurance

In-patient Hospitalization
ICU Rent Limit
ICU Charges up to the limits as specified in the Policy Document
Room Rent Limit
Room Rent charges up to the limits as specified in the Policy Schedule
Pre & Post Hospitalization
Post-hospitalization expenses covered up to
Up to Sum Insured
Post-hospitalization expenses covered for
180 Days
Pre-hospitalization expenses covered up to
Up to Sum Insured
Pre-hospitalization expenses covered for
90 Days
Day Care Treatment
Financial Limit
Up to the Sum Insured as specified in the Policy Schedule
No. of treatments covered
527 Daycare treatments covered
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Ask Anything as We Have Answers to Everything in Insurance

No, the Aditya Birla Activ Fit Plan doesn’t offer any room rent limit. In fact, the policyholders of Aditya Birla Activ Fit plan can opt for any room category at the time of hospitalization.

Yes, the Aditya Birla Activ Fit plan allows the insured to earn a good health discount under the plan if the health condition of the policyholder is good at the time of buying the policy. The health condition of the insured is assessed by the insurer through a health risk assessment.

The Aditya Birla Activ Fit plan provides coverage for all types of day care procedures.

No. The Aditya Birla Activ Fit plan allows only the adult insured members to avail the facility of free annual health check-up.

Yes. The insured can pay the premium of the Aditya Birla Activ Fit plan in different instalments including monthly, quarterly and half-yearly