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Aditya Birla Activ Fit (Plus)

Introduction to Aditya Birla Activ Fit (Plus)

Aditya Birla Activ Fit (Plus) is a health insurance policy offered by Aditya Birla Health Insurance Company Limited. Health insurance is a type of insurance policy that pays for hospitalization costs incurred as a result of an illness, accident, or injury. Aditya Birla’s Activ Fit (Plus) Plan provides financial protection against medical expenses as well as rewards you for staying active and healthy. It also offers several features, benefits, and add-on covers to meet all of your and your family’s healthcare needs.

Verdict: Aditya Birla Activ Fit (Plus)

This plan hits the sweet spot in terms of pricing, features, and benefits. It is a good choice if you want a plan that provides comprehensive coverage while remaining affordable. Aside from hospitalization and related expenses, the plan covers a variety of expenses such as the cost of consumable items and OPD expenses, i.e., day-to-day expenses for medicines, tests, consultations, and so on. Not only this, but it also provides several options for getting premium discounts. On the flip side, however, the plan doesn't provide an option to pay the premiums on a monthly basis. Further, our research suggests that the insurer has received a higher number of claim settlement and policy purchase complaints. This indicates that the insurer has a poor track record in terms of both purchase and claims service experience.

Pros & Cons: Aditya Birla Activ Fit (Plus)

  • arrow Fairly priced in comparison to other products in the market
  • arrow No restrictions on the type of hospital room you choose
  • arrow Multiple options available for getting premium discounts
  • arrow Covers outpatient department costs, such as medications, tests, consultations, etc.
  • arrow Covers non-medical expenses or the cost of consumables such as gloves, oxygen masks, nebulization kits, etc.
  • arrow Our study observed their responses on Twitter to be relatively quicker than other insurers
  • arrow Monthly premium payment mode not available
  • arrow Received higher number of complaints during policy purchase compared to other insurers
  • arrow Received higher number of complaints on claim settlement compared to other insurers

Specific Exclusions: Aditya Birla Activ Fit (Plus)

01 Injury or illness directly or indirectly due to terrorism, nuclear emissions, war, civil war
02 Treatment related to intentional self inflicted injury or attempted suicide, illegal act, use of drugs, consumption of alcohol or any intoxicating substance
03 Circumcision unless necessary for treating a disease or injury
04 Expenses related to preventive care, vaccination, inoculation, and immunization (except post animal bite treatment), physical, psychiatric or psychological examinations
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About Aditya Birla Health Insurance Company Limited

Aditya Birla Health Insurance Company Limited logo

Aditya Birla Health Insurance Company Limited (ABHICL), a part of Aditya Birla Capital Ltd. (ABCL), is a joint venture between Aditya Birla Group and MMI Holdings of South Africa. ABHICL. The current product portfolio of the company includes unique offerings such as Chronic Care and Incentivized Wellness. It was founded in 2015 and is headquartered in Mumbai, Maharashtra. Mr. Mayank Bathwal is the company's CEO and MD.

Founded in
JV Partners
Aditya Birla Group and MMI Holdings
Turnover (GWP)
653.93 Crores
Number of Policies
Number of Claims

Detailed Product Specs: Aditya Birla Activ Fit (Plus)

Claims Experience advisor
Customer Service advisor
Product Benefits (10L Sum Insured) advisor
Limits and Exclusions advisor
% of claims settled in less than 30 days
Reflects on the speed of settling valid claims
% of Complaints received on overall claims
% customers unhappy with claims experience
Claims Incurred Ratio
Claim Settlement Ratio (No. of claims)
What % of the claims received were paid?
No. of Cashless Hospitals

  1. The health insurance data was last updated in June 2023. All data has been sourced from product brochures, policy wordings, prospectus, public disclosures (Q1, FY 2023-2024), IRDAI annual report (2021-22), insurer websites, and the IRDAI website. 
  2. For now, we have considered the most comprehensive plans from leading insurance companies. We will keep updating the product pages with new plans in the coming days.
  3. We have rated only those plans that can be serviced by individual advisors. This is because of our strong belief that health insurance customers need professional assistance from individual advisors before and after purchase. We do not recommend and hence do not rate direct-to-customer health insurance plans or plans where there aren't enough advisors available to service. 
  4. Affordability assessment of plans: 
    • The affordability of comprehensive plans is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1 opting for a cover of ₹10 Lakhs. And, the premiums are as of 31st June 2023.
    • The affordability of Care Freedom Plan is assessed using premiums for a 30-year-old male residing in Zone 1 opting for a cover of ₹5 Lakhs. And, the premiums are as of 31st June 2023.
  5. The product benefits section is based on a sum insured of ₹10 Lakhs and only highlights the top benefits and features of health insurance plans. 
  6. Only those hidden and special conditions that apply to the benefits and features we have considered are included in the product pages. 
  7. The product pages only include the most significant specific exclusions under each plan.
  8. The product pages do not include any generic terms, conditions, or exclusions (those that are the same and apply to all health insurance plans).
  9. If the policy wording, brochure, or prospectus state that a benefit/feature is available with a specific plan but it is not available online when generating the premium quote, we have not considered that benefit/feature to be available with the plan.
  10. The response time on Twitter (Beta) was calculated using a sample set of tweets from April, May, and June 2022 (analyzed in August, September, and October 2022). 
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