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Aditya Birla Activ Fit (Preferred) logo

Aditya Birla Activ Fit (Preferred)

Introduction to Aditya Birla Activ Fit (Preferred)

Aditya Birla Activ Fit (Preferred) 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 (Preferred) Plan is a robust, comprehensive, and affordable health insurance plan that provides highly flexible coverage and a variety of benefits and features to meet your medical needs. 

Verdict: Aditya Birla Activ Fit (Preferred)

This plan hits the sweet spot with its affordable pricing as well as features and benefits. It is a perfect choice if you are looking for a plan that offers comprehensive coverage and is easy on the pocket. Besides hospitalization and related expenses, various expenses including maternity expenses, cost of consumable items, and OPD expenses, i.e., day-to-day expenses for medicines, tests, consultations, etc. are covered under the plan. Not only this, but it also offers multiple options to get discounts on your premium. On the flip side, however, the plan is not available on an individual basis, and it doesn't provide the monthly premium payment option. And, as per our research, the insurer has received a higher number of claim settlement as well as policy purchase complaints. This implies that the insurer has a poor track record in terms of both purchase and claims service experience.

Pros & Cons: Aditya Birla Activ Fit (Preferred)

  • 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 expenses associated with pregnancy
  • 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 Only available for families, not individuals
  • 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 (Preferred)

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 (Preferred)

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 January 2023. All data has been sourced from product brochures, policy wordings, prospectus, public disclosures (FY 2021-2022), insurer websites, and the IRDAI website.
  2. Only plans that are currently available for purchase online have been considered.
  3. For now, we have considered the most comprehensive plans from leading insurance companies. We will keep updating the Decoder Pages with new plans in the coming days.
  4. The affordability of the plans is assessed using premiums for a family of two adults and one child. And, the premiums are as of 31st December 2022.
  5. The product benefits section is based on a sum insured of ₹10 Lakhs and only highlights the top benefits and features of the plans. We will keep updating the Decoder Pages with new benefits and features periodically.
  6. Only those hidden and special conditions that apply to the benefits and features we have considered are included in the Decoder Pages. 
  7. The Decoder Pages only include the most significant specific exclusions under each plan.
  8. The Decoder Pages do not include any generic terms, conditions, or exclusions (those that are the same and apply to all health insurance plans).
  9. 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). 
  10. The claims experience data has been sourced from insurance company websites and public disclosures as of March 31, 2022.
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