Aditya Birla Health Insurance Review

Aditya Birla Health Insurance (IRDAI Reg No.153) is one of the leading standalone health insurers in India. It is a joint venture between Aditya Birla Capital Ltd (45.89%) and Momentum Group Ltd of South Africa (44.08%). The company focuses on combining health insurance with wellness benefits, which sets it apart from traditional insurers. 

In this Aditya Birla Health Insurance review, we’ll break down its performance metrics, plans, premiums, and whether it’s the right fit for you.

Note: All data is sourced from IRDAI Annual Reports and Aditya Birla's public disclosures.

Key Takeaways from Aditya Birla Health Insurance’s Metrics

• CSR: Aditya Birla’s CSR has improved significantly from 78.89% in FY 2019-20 to 97.27% in FY 2025-26, staying above 95% in recent years. For customers, this indicates increasingly consistent claim settlement and greater confidence that valid claims will be settled.
• ICR: The ICR has risen from 49% in FY 2019-20 to 71.50% in FY 2024-25, despite some year-on-year fluctuations, with recent values remaining in a healthy range (55% to 85%). This suggests that a meaningful share of premiums is being used to pay claims, which is reassuring for customers when considered alongside the insurer’s overall financial health.
• Complaint Volume: Complaints have declined overall from 30 in FY 2019-20 to 18 in FY 2025-26. The lower complaint levels compared with earlier years suggest an improvement in the customer and claims experience.
• GWP: Aditya Birla’s GWP has grown sharply from ₹1,021 crore in FY 2021-22 to ₹6,238 crore in FY 2025-26, representing more than six-fold growth in four years. This sustained expansion indicates growing customer adoption and a stronger operating scale, which can support wider service capabilities and network reach.

In addition to the above metrics, Aditya Birla has a network of over 16,500 hospitals, exceeding our recommended benchmark of 10,000+. To check whether your nearest hospital is part of their network, visit their official website. 

Popular Plans Offered by Aditya Birla Health Insurance

Activ One

Activ One is Aditya Birla Health Insurance’s flagship product, offering comprehensive coverage and wellness benefits. It comes in seven variants: MAX, MAX+, SAVR, NXT, VIP, VIP+, and VYTL, each catering to different needs and budgets.

Activ One MAX: The Activ One MAX variant is the most comprehensive option in the Activ One lineup, ideal for individuals or families seeking extensive coverage with added wellness perks.

Key Features:

• High-sum-insured options (up to ₹6 crore as per policy documents, availability may vary).
• Unlimited restoration benefit, ensuring your cover refills even after claims are exhausted.
• HealthReturns rewards, offering incentives (even premium discounts) for maintaining a healthy lifestyle.
• Coverage for consumables, modern treatments, domiciliary, AYUSH (Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homeopathy), and daycare procedures.
• Pre- & post-hospitalization cover (90/180 days).
• An optional Chronic Care add-on for reducing the waiting period of listed diseases like asthma, diabetes, hypertension, etc., and covering them from day 1.
• No co-payment requirement, no disease-wise sub-limits, and no room rent restrictions.
• Loyalty bonus of 100% per year, accumulating up to 500% of the base sum insured (maximum up to ₹3 crore), irrespective of claims made during the policy period. 

Why Choose Activ One MAX?

It’s a well-rounded plan combining strong hospitalization coverage with competitive pricing, wellness benefits, and flexibility, making it one of the most value-packed policies in this segment.

Activ Fit

The Activ Fit plan is designed for younger individuals and families, focusing on affordability and specific benefits. It comes in two variants: Preferred and Plus.

Activ Fit Preferred: The Activ Fit Preferred variant is particularly useful if you’re looking for basic coverage with maternity benefits.

Key Features:

• Maternity coverage (up to ₹60,000 after a waiting period of 3 years).
• No co-payment, no room restrictions, and no disease-wise sub-limits, ensuring complete flexibility during hospitalization.
• Unlimited restoration benefit, which reinstates 100% of the sum insured any number of times within a policy year, even for repeated claims.
• Coverage for consumables (non-medical items) through an optional add-on, covering a defined list of items often excluded in standard policies.
• Annual health checkups are included to encourage preventive healthcare.
• No Claim Bonus (NCB) of 10% per year, accumulating up to 100% of the sum insured (subject to policy terms).

Why Choose Activ Fit Preferred?

This plan works best for young couples or families planning maternity coverage, while still offering decent hospitalization benefits. 

Super Health Plus (Super Top-Up)

The Super Health Plus Top-Up plan is not a standalone comprehensive policy but a supplementary cover that enhances your existing health insurance.

Key Features:

• High coverage at low premiums (up to ₹95 lakh).
• Works on an aggregate deductible basis, kicking in after you exhaust your deductible once per policy year.
• Covers hospitalization, AYUSH, organ donor expenses, 586 daycare procedures, and domiciliary care.
• Includes pre- and post-hospitalization coverage (30/60 days).

Why Choose Super Health Plus?

It’s ideal if you already have a base policy and want extra protection against large medical expenses at a low cost.

Note: A stands for Adults, and C stands for Child. These are indicative base premiums (with recommended add-ons) for a Delhi resident (110010) with a ₹15 lakh sum insured. Your premium can change based on age, city, medical history, plan variant, and chosen add-ons.

For Aditya Birla Activ One NXT, we’ve added the recommended add-ons (Claim Protect, Super Credit, and Annual Health Checkup).

Aditya Birla: Contact Details and Address

• Toll-Free Number: 1800-270-7000 for 24x7 support
• Email: care.healthinsurance@adityabirlacapital.com
• WhatsApp: 8828800035
• Website: https://www.adityabirlacapital.com/healthinsurance/
• Mobile App: Activ Health App (available on Android & iOS for policy, claims, and support)
• Registered Office: 9th Floor, Tower 1, One World Centre, Jupiter Mills Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai 400013.
• Offline: Visit your nearest branch.

For the latest details, you can also check out Aditya Birla’s contact us page. 

Aditya Birla ranks third among the best health insurance companies in India, driven by strong CSR and decent complaint performance. 

Note: If you'd like to explore the detailed figures reported by insurers and the IRDAI in their annual disclosures and public reports, visit Ditto Data Labs, our proprietary repository of health insurance data, meticulously compiled, verified, and maintained by the Ditto team over the years.

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Ditto’s Take on Aditya Birla Health Insurance

Aditya Birla Health Insurance is a good fit for younger buyers and families who want a modern health plan with strong wellness benefits, a high claim settlement ratio, and a large cashless hospital network. 

It also works well for buyers who are comfortable choosing the right variant and adding optional covers where needed. 

However, it may not be the best fit for people who want the simplest possible policy structure, because some plans are comprehensive only when you pick the right add-ons.