Activ Fit Preferred Wellness-Centric Health Plan

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1800 270 7000

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About Us

Aditya Birla Capital Limited (“ABCL”) is a listed systemically important nondeposit taking Non-Banking Financial Company (NBFC) and the holding company of the financial services businesses. ABCL and its subsidiaries/JVs provides a comprehensive suite of financial solutions across Loans, Investments, Insurance, and Payments to serve the diverse needs of customers across their lifecycles. Powered by over 68,400 employees, the businesses of ABCL have a nationwide reach with over 1,740 branches and more than 200,000 agents/channel partners along with several bank partners.

Nationwide Branches

1,740

No. of Employees

68,400

Agents/Channel Partners

2,00,000+

Aggregate Assets

INR 5.91 Lakh Cr

Consolidated Lending Book

INR 2 Lakh Cr

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Get a loan on your existing home loan to meet your needs

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Turn your assets into a financial ally

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Why buy Activ Fit Preferred Plan?

Fitness needs an extra dose of motivation in today’s times. Presenting health insurance that goes beyond covering you financially during health emergencies and needs. Activ Fit Preferred gives you the much-needed push to stay fit by rewarding small and big health goals such as the number of steps and daily workouts.

Covers maternity over and above sum insured
Awards maximum up to 100% Super No Claim Bonus*
Offers multiple discounts

How Does Activ Fit Preferred Plan Work?

Saraswati (32 yrs)

A wife and a career woman, Saraswati is looking to start her family soon.

As a career woman managing the household too, staying fit is essential to Saraswati. Plus, as she plans a baby, she needs comprehensive coverage from her health plan.

Saraswati invested in the Activ Fit Purchased plan with a sum insured of ₹30 Lakh. She further opted for an EMI protection optional cover.

At the age of 35, Saraswati became pregnant. She was ecstatic. However, she left her job to focus on having the baby and raising it.

Unfortunately, she also had a personal loan weighing upon her at the time.

Fortunately, Activ Fit Preferred covered her maternity expenses. Her EMI protection coverage also proved to be useful in relieving her of financial stress.

Saraswati underwent a C-Section and was hospitalised for more than 6 days. The plan not only paid for the delivery expenses but also covered her next three EMIs which took care of her loan obligations.

What's Included?

Activ Health App

A health and wellness ecosystem where you can track activity, contact specialists, book checkups, and more.

10-50-100 benefit

10% upfront good health discount, up to 50% HealthReturns™, and 100% sum insured refill option.

Maternity Cover

Maternity expenses are covered beyond the sum insured with vaccination expenses, stem cell preservation, etc.

Tax Benefit

Tax benefit under Section 80D on premium payments for self and family from ₹25,000 up to ₹1 lakh.

No Claim Bonus

Up to 10% bonus on the sum insured per year for No Claim. Super No Claim Bonus of up to 50% of the sum insured per annum (optional cover).

Cashless Hospitalisation

Cashless hospitalisation in 10000+ hospitals. Pre and post-hospitalisation expenses covered.

Mental Health Assessment

Probable risks and overall mental health assessment with our tools and mental health professionals.

AYUSH Cover

Coverage for treatment under Ayurveda, Yoga and naturopathy, Unani, Siddha, and Homeopathy.

What's Not Included?

No claims can be made during the waiting period.

No cover on expenses related to diagnostic and evaluation purposes.

No cover if there’s an attempt at suicide or self-inflicted injuries.

No coverage is paid out if the death is due to alcohol, hazardous activity, acts of war, or childbirth.

No coverage for non-allopathic treatments, Parkinson's, stem cell therapy or venereal diseases.

Need More Information?

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Get started with Activ Fit Preferred Plan

How to buy?

Assess your needs and check the plan on the website.
Carefully go through coverage and exclusions.
Share your details, select coverage, term etc.
Make the payment and enjoy your newfound peace.

How to renew?

Visit the policy renewal page on the website.
Enter your policy number and personal details.
Check the renewal amount displayed.
Make payment via the preferred mode and you are done.
You will receive a confirmation email of the successful policy renewal.

How to claim?

Intimate the insurer before your hospitalisation or as soon after as possible.
Gather all required documents - policy, hospital bills, doctor’s notes etc.
Visit the claims section on the website.
Provide basic details about the policy and the policyholder.
Submit the required documents and we’ll get back to you.

Check Your Eligibility

Check your eligibility and take the first step towards financial security

Eligibility Criteria

Family floater minimum age 91 days for dependent children and 18 years for adults
Family floater maximum age for adults is 45 years
Family floater Maximum age for children is 25 years
Individual Policy Minimum age 5 years
Medical tests May be required depending on age
Smoking habits Affect your premium

Waiting Period

Pre-existing diseases waiting period: 48 months.
Initial waiting period: 30 days
Specific waiting period: 24 months.
Maternity Coverage: 36 months.

Optional Benefits For Extra Protection

Domestic Travel Protect

Fixed payout for total loss or delay of baggage, trip cancellation, interruptions, delays, missed connecting flights.

Premium Waiver

Can be used once within policy life within 365 days of accident date or diagnosis of critical illness (from the 20 listed illnesses)

EMI Protection

Payment cover for 3 EMIs towards any existing loan in case of hospitalisation, daycare, AYUSH, home treatment, domiciliary treatments and more.

Non-Medical Expense Waiver

Cover for cost of listed non-medical items in case of in-patient hospitalisation and daycare treatments.

OPD Expense Cover

Cashless cover for Out-Patient Department consultations through empanelled service providers.

Customer Satisfaction Stories

Shruti Davda

Aditya Birla Health Insurance

Staying healthy has become a way of life. I really enjoy using the Activ Health app that gives all my health solutions at one place.

Mr. Himanshu Chaturvedi

Aditya Birla Health Insurance Customer

Noida, India

Arun Sharma

Aditya Birla Health Insurance

Aditya Birla Health Insurance has been my companion in my weight loss journey of losing 17 Kgs and helping me stay disease-free. Health Returnsᵀᴹ keeps my whole family motivated to be active and stay fit and each person can do the exercise of their choice

Mr. Rajinder Balhara

Aditya Birla Health Insurance Customer

Delhi, India

Mrs. Mangal Prathamesh Mithari

Aditya Birla Health Insurance Customer

ABCD - One app for

With a few clicks on the ABCD app, you can get financial protection against medical emergencies with a health insurance plan.

Comprehensive coverage against illnesses and injuries
Digital purchase process
Low and affordable premiums with one-click payments

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Understanding Activ Fit Preferred

Table of Contents

Who should buy Activ Fit Preferred Plan?What are HealthReturns™?What is the free-look period for this plan?What is the claims process?What are the different discounts available with the Activ Fit Preferred plan?

Who should buy Activ Fit Preferred Plan?

Young adults

At a younger age, premiums are lower. Plus, inculcating financial literacy, foresight towards health needs, and gaining a sense of protection is essential.

Fitness enthusiasts

With a plethora of benefits for fitness achievements, right from walking steps to working out at the gym, motivation to continue your fitness journey is only a cherry on top of the health expenses protection.

Families

With the family floater option, you can cover the whole family under one plan. This would allow you to go for a much higher sum insured while paying less from your pocket for the same.

Families planning a child

Since the plan offers maternity coverage, it is suitable for families who are planning to have a child in the near future.

Middle-aged individuals

Individuals between the ages of 30 and 45 can get the much-needed motivation to put on their running shoes as well as the protection for healthcare needs looming in the near future.

What are HealthReturns™?

HealthReturns™ are designed to encourage and reward you for adopting a healthy lifestyle and staying active. Here are some of its key features and benefits:

Earn points

Earn HealthReturns™ points for maintaining an active lifestyle by walking, running, cycling, etc. Points are tracked by wearable fitness devices or apps.

Annual payout

Accumulated HealthReturns™ points get you an annual payout, typically a premium discount, wellness benefits, and payment for additional benefits.

Requirement

The more active you are, the higher your potential reward. You can earn up to 50% of your premium as Healthreturns™ by staying active for 275 days in a year.

What is the free-look period for this plan ?

If you cancel during the free look period (15 days for offline, 30 days for online with a 3-year term), you'll get your premium back minus the insurer’s expense.

Deductions may include expenses during coverage, stamp duty, and the number of insured days.

If cancelled after the free-look period, refunds are between 15% to 90% depending upon the policy term and cancellation date.

What is the claims process?

Step 1 - Gather the required documents - the policy document, doctor’s note, bills, ID proof, etc.
Step 2 - Inform us about the claim event by phone, email, website, or by visiting our branch office.
Step 3 - Fill out and submit the claim forms along with all of the required documents.
Step 4 - Track your claim through our website or by contacting our customer support.
Step 5 - Once your claim is verified and approved, the settlement payout will be processed.

What are the different discounts available with the Activ Fit Preferred plan?

Upfront Good Health Discount

Get 10% instant discount basis of good health risk classified on the first policy year premium.

Family Discount

Protect your loved ones’ health, secure 3 or more of your family members for up to 10% discount.

Early Bird Discount

Start young, be proactive and earn up to a 10% discount on renewal if you are less than 35 years at the time of buying the policy.

Standing Instruction Discount

2.5% Discount on the premium from 1st renewal, if the premium is received through NACH or standing instruction (where payment is made either by direct debit of bank account or credit card.

Direct Purchase Discount

Get 10% discount if the policy is directly purchased from the company's website without any intermediary.

Long-Term Discount

Consistent rewards/discounts motivate you to stay healthy. Get a discount of 10% for selecting 3 years policy.

FAQs on Activ Fit Preferred

A pre-existing condition refers to any health-related issue that the policyholder may have experienced or been diagnosed with during the 48-month period preceding the purchase of the current health insurance policy.

Medical treatment for an illness/disease/ injury which requires treatment at a hospital but is actually taken while confined at home under any of the following circumstances:

The condition of the patient is such that they are not in a condition to be moved to a hospital, or
The patient takes treatment at home because of non-availability of a hospital room.

If you have a valid reason and supporting evidence for not being able to submit your documents on time, your claim will remain valid and won't be void.

In cases where essential claim documents have deficiencies or are incompletely provided, three reminders will be issued. If the required deficiency documents are not submitted within 45 days from the initial request, either a rejection letter will be sent or part payment will be made.

Health insurance premiums in India are determined based on various factors, such as the age of the insured individuals, the sum insured, the coverage type, pre-existing conditions, and the geographical location. Premiums may also vary depending on the insurer and the specific benefits offered by the policy.

Yes, premiums paid for health insurance plans are eligible for tax benefits under Section 80D of the Income Tax Act in India. Individuals can claim tax deductions for the premiums paid for themselves, their spouses, children, and parents, subject to specified limits.

For yourself and your family (All members below 60 years), the maximum amount that can be saved under Section 80D is ₹25,000.
For self, family, and family + parents (All members below 60 years), the maximum amount that can be saved under Section 80D is ₹50,000 (₹25,000+₹25,000).
For yourself and your family (all members below 60 years) with senior citizen parents, the maximum amount that can be saved under Section 80D is ₹75,000 (₹25,000 + ₹50,000).
For self and family (with the eldest member above 60 years) with senior citizen parents, the maximum amount that can be saved under Section 80D is ₹1,00,000 (₹50,000 + ₹50,000).

Disclaimer

Aditya Birla Health Insurance Co. Limited. IRDAI Reg.153. CIN No. U66000MH2015PLC263677. Product Name: Activ Fit: Activ Fit product has plus and preferred plans. Product UIN: ADIHLIP22008V012223, ADVT. UIN: ABHI/LF/22-23/1629. Regd. Office address: 9th Floor, Tower 1, One World Centre, Jupiter Mills Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai 400013. Email: care.healthinsurance@adityabirlacapital.com, Website: adityabirlahealthinsurance.com, Telephone: 1800 270 7000. For more details on risk factors, terms and conditions please read terms and conditions carefully before concluding a sale. Trademark/Logo Aditya Birla Capital is owned by Aditya Birla Management Corporation Private Limited and Trademark/logo HealthReturnsTM, Healthy Heart Score and Active Dayz are owned by Momentum Metropolitan Life Limited (Formerly known as MMI Group Limited). These trademark/Logos are being used by Aditya Birla Health Insurance Co. Limited under licensed user agreement(s). ^Coronavirus is covered for Inpatient treatment as per policy wordings of the Product. *excluding premium for optional benefit(s) & taxes. ^^5% discount from 4th policy year to 7th policy year. 10% discount from 8th policy year onwards, will be available at renewal. ~ Discount applied only on first policy year premium. # Discount will be available at renewal. %excluding premium for optional benefit(s) & taxes. For more details on the product,its benefits & HealthReturnsTM please refer to the policy wordings. T&C applied.