Aditya Birla Health Insurance

Aditya Birla Health Insurance is offered by Aditya Birla Health Insurance Company Limited, an IRDAI-registered standalone health insurance company (Registration No. 153). Established in 2015 as a joint venture between the Aditya Birla Group and Momentum Group (South Africa), the insurer combines health insurance with wellness-focused benefits through its HealthReturns™ programme, health coaching, and chronic care management. The current portfolio includes individual, family, senior citizen, critical illness, maternity, and super top-up health insurance plans.

• Cashless Network Hospitals: 16,500+ hospitals across India.

• Maximum Sum Insured: Up to ₹100 crore under eligible health insurance plans.

• Pre-existing Disease Waiting Period: 2 years under eligible plans.

• Claim Settlement Ratio: 97% for FY 2025–26.

• Claims Settled: 29 lakh claims settled during FY 2025–26.

• Lives Insured: 2.3 crore+ customers covered.

• HealthReturns™: Earn up to 100% of the premium back under eligible Activ One and Activ Yuva plans by meeting wellness parameters.

• Super Reload Benefit: 100% unlimited refill of the sum insured from Day 1 under Activ One NXT.

• Chronic Management Programme: Dedicated support for asthma, diabetes, high blood pressure, and high cholesterol through health coaches under eligible programmes.

• OPD Add-on:

Reimburses eligible outpatient consultations, diagnostic tests, and pharmacy expenses without requiring hospitalisation.

• ABHI Protect Add-on:

Enhances the base health insurance policy with additional financial protection for specified medical situations covered under the add-on.

• Health Add-ons:

A bundle of optional benefits that can be attached to eligible plans to expand the scope of coverage based on individual healthcare needs.

• Super No Claim Bonus Rider (Group Policies):

Increases the available sum insured for every claim-free policy year, subject to rider terms.

• Super Reload Rider (Group Policies):

Restores the sum insured after it is exhausted during the policy year under eligible group health insurance policies.

• Tele OPD Consultation Rider (Group Policies):

Gives access to virtual consultations with registered medical practitioners under eligible group plans.

Waiting periods differ by product and policy variant. The standard timelines under most retail health insurance plans are as follows:

• Initial Waiting Period: 30 days from the policy commencement date for all illnesses. Accidental hospitalisation is covered from Day 1.

• Pre-existing Diseases: 2 years under eligible health insurance plans.

• Specified Diseases & Procedures: 2 years for listed illnesses and treatments mentioned in the policy wording.

• Maternity Benefits: Applicable waiting period as specified under maternity-enabled plans.

Note: The applicable waiting period depends on the selected Aditya Birla Health Insurance policy. Please refer to the policy wording for exact timelines and conditions.

• HealthReturns™ Programme:

Rewards healthy lifestyle choices by allowing eligible policyholders to earn back up to 100% of their premium through wellness milestones.

• Focus on Chronic Care:

Dedicated programmes for diabetes, hypertension, asthma, and high cholesterol help members manage long-term health conditions beyond hospitalisation.

• Integrated Digital Health Ecosystem:

The Activ Health App brings together policy management, health records, claims tracking, wellness programmes, health assessments, and ABHA ID integration in one platform.

• Wellness-linked Insurance Design:

Several plans combine insurance benefits with preventive health assessments, fitness tracking, and personalised health coaching instead of limiting value to claim events alone.

• Choice Across Life Stages:

The product portfolio includes plans for young adults, families, senior citizens, maternity, chronic conditions, critical illness, and super top-up requirements, allowing policyholders to select coverage that aligns with changing healthcare needs.

Buying Aditya Birla Health Insurance through Coverfox lets you compare plans before making a decision, instead of purchasing a single insurer's policy directly.

Step 1: Visit Coverfox and enter details such as your age, city, and the members you want to insure.

Step 2: Compare available Aditya Birla Health Insurance plans with plans from other insurers based on coverage, waiting periods, premium, and benefits.

Step 3: Select the policy and sum insured that best matches your healthcare requirements.

Step 4: Complete the online proposal form by providing your personal and medical details.

Step 5: Pay the premium securely through the available online payment options.

Step 6: After successful verification and underwriting, your policy document is issued digitally and shared with you.

Need Assistance?

If you need help comparing plans, understanding waiting periods, choosing the right sum insured, or completing your purchase, the Coverfox team can guide you through every stage of the buying process.

Aditya Birla Health Insurance has one of the largest cashless hospital networks in India, helping policyholders access treatment without making an upfront payment for eligible expenses.

• Cashless Network Hospitals: 16,500+ hospitals across India.

• Hospital Locator: Search network hospitals by city, locality, or PIN code through the insurer's online hospital locator.

• Cashless Anywhere: Eligible policyholders can also avail the insurer's Cashless Anywhere facility, subject to the applicable terms and claim approval.

• Reimbursement Claims: Treatment taken at a non-network hospital can be claimed through the reimbursement process after submitting the required documents.

For policy servicing, claims, renewals, or assistance with your Aditya Birla Health Insurance policy, you can contact the insurer through the following channels:

• Toll-free Number: 1800 270 7000.

• WhatsApp Support: +91 88288 00035 for policy servicing and customer assistance.

• Email: care.healthinsurance@adityabirlacapital.com.

• Mobile App: Activ Health App for policy downloads, renewals, claims tracking, digital health cards, and wellness services.

• Self-Service Portal: Access policy servicing, raise service requests, update policy details, and track claims online.

• Branch Support: Branch offices are available across India for policy servicing and customer assistance. Branch timings are Monday to Saturday, 9:30 AM to 6:00 PM (closed on the 2nd & 3rd Saturday and Sundays).

Disclaimer

The information on this page is provided for general informational purposes only. Policy features, premiums, waiting periods, add-on covers, network hospitals, and exclusions are subject to the terms of the selected Aditya Birla Health Insurance policy and may change from time to time. Please read the policy wording, prospectus, and customer information sheet carefully before purchasing, renewing, or making a claim.