The Aditya Birla Health Advantage
More than just a standard medical policy. We offer comprehensive health ecosystems designed to incentivize active, healthy living.
Be Healthy Scheme
Activate your health returns. Engage in regular physical activities and healthy habits monitored via the Activ Health App to unlock massive rewards.
Up to 100% Premium Payback
Earn up to 100% of your premium back as HealthReturns™ under the "Be Healthy" wellness program. Use it to pay next year's premium or buy medicines.
Premium Discount & Benefits
Enjoy discounts up to 10% on multi-year policy durations, wellness score upgrades, and additional rewards for family floater additions.
10,500+ Cashless Hospitals
Access high-quality medical treatments PAN India. Cashless hospitalization processes handled quickly and smoothly across top medical institutions.
Aditya Birla Health Insurance Plans
Select from our range of award-winning health plans designed to fit your unique requirements.
Activ One
7-in-1 Comprehensive Protection
- 100% HealthReturns™: Earn up to 100% of your premium back through active wellness.
- Super Credit NCB: Increase sum insured by up to 100% for claim-free years.
- Day 1 Chronic Cover: Instant medical policy coverage for diabetes, asthma, and high blood pressure.
- Global Cover: Cashless treatments abroad for major listed critical conditions.
Activ Fit
Designed for Youth Under 35
- Up to 50% HealthReturns™: Healthy lifestyle reward payback points.
- OPD & Pharmacy Cover: Outpatient doctor consultations and discounts on diagnostic tests.
- Maternity & Newborn Cover: Specialized assistance during life milestones.
- Premium Discount: Up to 10% discount for early enrollments under age 35.
Activ Care
Dedicated Senior Citizen Plan
- Personal Health Coach: Professional support to track daily wellness and diet charts.
- Less Waiting Periods: Swift waiting period credit on pre-existing illnesses.
- Day Care Treatments: Over 580+ day-care procedures covered cashlessly.
- Home Care Treatment: Medical aid covered at home under doctor recommendations.
Activ Health Platinum
Enhanced Wellness & Hospitalization
- Chronic Care Management: Dedicated checkups and health coaching services.
- Up to 100% HealthReturns™: Earn payback rewards on premium costs.
- No Room Rent Cap: Choose any category of hospital rooms during admission.
- Alternative Medicine: Covers AYUSH (Ayurveda, Yoga, Unani, Siddha, Homeopathy) treatments.
Activ Secure
Critical Illness & Personal Guard
- Personal Accident Cover: Accidental death and permanent disability protection.
- Critical Illness Plan: Lump-sum payout upon diagnosis of 64 listed critical conditions.
- Hospital Cash Benefit: Fix daily cash payout for up to 30 days of hospitalization.
- Global Cover Add-ons: Global medical evacuation assistance.
Upgrade Your Policy with Seamless Portability
Are you unhappy with your current insurer? Switch to Aditya Birla Capital Health Insurance today. Under our **porting** protocol, you carry forward all your accumulated benefits, such as pre-existing disease waiting-period credits.
Enjoy a better claim settlement ratio, global emergency assistance, and a structured **premium discount** as you port your **medical policy** with our professional guidance.
- Zero Credit Loss: Retain waiting period benefits for pre-existing illnesses.
- Enhanced Coverage: Gain access to chronic care management and outpatient benefits.
- Higher Value: Unlock the Be Healthy scheme and its premium payback options.
4-Step Porting Process
Dissatisfied or Unhappy with Your Current Health Insurance?
If you are unhappy, dissatisfied, or not happy with the lack of customer support, hidden conditions, or delayed claim processes of other health/medical insurance companies, you do not have to stay. You can consult me to migrate to Aditya Birla.
Experienced Insurance Consultation
Raj Kumar
Certified Health Insurance Advisor, Vazhuthacaud Office, Trivandrum, KERALA
I, Raj Kumar, am dedicated to helping individuals, families, and corporates identify the perfect **medical policy** for their unique situations. From my office in Trivandrum, KERALA, I provide expert advisory services covering **All India (PAN India)** and the global **NRI** community. Consultations are available easily via **Zoom**, **Google Meet**, or **Video Calls** to resolve your queries instantly.
Frequently Asked Questions
Get quick answers regarding policy guidelines, premium discount features, portability steps, and the payback mechanism.