Key Benefits

• •HealthReturns™ Rewards - Earn up to 100% of your premium back by staying active—through walking, workouts, or maintaining healthy habits—redeemable for policy renewal or medical expenses.
• •Chronic & Wellness Support - Access dedicated chronic management programs, health coaching, free annual health checks, and even mental health coverage to proactively manage long-term health.
• •Super Reload & In-Depth Protection - If your sum-insured is exhausted, you can restore 100% of the coverage—unlimited times in a year. Some plans also waive premiums if diagnosed with certain conditions.
• •Comprehensive Network & Support - Enjoy cashless access at 6,000–10,000+ hospitals nationwide. Plus, you get 24×7 support, fast claim processing (“within 2 hours”), and personalized assistance through a dedicated care manager.
• •Holistic Coverage & Tax Benefits - Covers pre/post-hospitalization, daycare, domiciliary care, mental health, ambulance, AYUSH treatments, second opinions, and more. Plus, premiums are tax-deductible under Section 80D.

Why Choose Aditya Birla Health Insurance – Care Beyond Coverage?

• •Strong Brand Trust – Backed by the Aditya Birla Capital Group.
• •Wellness-Focused – Rewards for fitness, healthy lifestyle, and preventive check-ups.
• •Wide Coverage – From individual and family plans to senior citizen, maternity, and critical illness covers.
• •Cashless Hospital Network – Access to 10,500+ hospitals across India.
• •Affordable Premiums – Tailored health plans for every budget.
• •Tax Benefits – Save tax under Section 80D of the Income Tax Act.

Customer Services & Support

• •Easy digital self-service through the official Aditya Birla Health website and “Activ Health” mobile app for policy management, premium payments, and claim submissions.
• •Fast and transparent claim settlement with cashless treatment across 10,000+ network hospitals in India.
• •Personalized support through branch offices, relationship managers, and wellness coaches to guide customers throughout their health journey.

Inclusions

• •Hospitalization (Pre & Post)
• •Daycare Treatments
• •Ambulance Charges
• •Domiciliary Care (home treatment)
• •Preventive Health Check-ups
• •Maternity & Newborn Cover (in select plans)
• •Wellness & Fitness Rewards

Exclusions

• •Pre-existing diseases (covered after waiting period)
• •Cosmetic/Plastic Surgery (unless accident-related)
• •Dental & Vision (unless accident-related)
• •Injuries from self-harm or substance abuse
• •Experimental or unapproved treatments

Licensing & Regulatory

• •Company Name: Aditya Birla Health Insurance Co. Ltd.
• •IRDAI Registration Number: 149
• •IRDAI License Type: Standalone Health Insurance
• •Regulatory Body: Insurance Regulatory and Development Authority of India (IRDAI)
• •Headquarters: Mumbai, Maharashtra
• •Authorized to Sell: Individual, Family, Senior Citizen, Critical Illness, Group, Maternity, Personal Accident & Top-Up Plans
• •Parent Company: Aditya Birla Capital Limited

Overview

Aditya Birla Health Insurance positions itself as a health-first insurer that goes beyond just paying hospital bills. Unlike traditional insurers that focus only on financial coverage, Aditya Birla emphasizes wellness, prevention, and rewards for healthy living. With programs like Activ Health and Wellness Rewards, it motivates policyholders to stay fit, track health goals, and earn benefits such as premium discounts and additional coverage.

Frequently Asked Questions (FAQs)