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Aditya Birla Activ Fit (Plus) logo

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 is designed specifically for the needs of the youth. It provides financial protection against medical expenses as well as rewards you for staying active and healthy. Besides this, it offers a host of other features and benefits as well.

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 Slightly cheaper than 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 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
  • arrow Our study observed their responses on Twitter to be relatively slower than 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. Mayanl Bathwal is the company's CEO and MD.

Founded in
JV Partners
Aditya Birla Group and MMI Holdings
Turnover (GWP)
1196.29 Crores
Number of Policies
Number of Claims

Detailed Product Specs: Aditya Birla Activ Fit (Plus)

Claims Experience advisor
Customer Service advisor
Product Benefits 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
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