Aditya Birla Health Insurance Co. Limited

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Aditya Birla Health Insurance Co. Limited

Unlimited
Sum Insured

2+ Hours
Hospitalization

OPD Cover worth up
to 5X Base Premium

Maternity Cover while
you are single

What is Activ Yuva ?

A health insurance plan designed for the way young India lives today

Health in your 20s and early 30s is about much more than hospitalisation. It’s about managing your health alongside long workdays, staying active in small but consistent ways, travelling freely, planning for the future, and knowing that you’re protected if life throws an unexpected challenge your way.

Activ Yuva by Aditya Birla Health Insurance (ABHI) is designed specifically for this phase of life.

It is a Health-First insurance plan that brings together three essential elements of modern healthcare:

Dependable hospitalisation cover for medical emergencies

Meaningful OPD and wellness support for everyday health needs

Rewards that encourage and recognise healthy behaviour over time.

Rather than being a policy you think about only when something goes wrong, Activ
Yuva is designed to stay relevant to your life — every single year.

Rewards that encourage and recognise
healthy behaviour over time

HealthReturns™

OPD and wellness support for everyday
health needs

Customisable
Healthcare Options

Hospitalization cover for
medical emergencies

Comprehensive
Cover

What truly sets Activ Yuva apart

Activ Yuva covers what you need when you need it. No gaps. No surprises. Just straightforward protection that grows with you.

2+ Hours Hospitalisation

Covers eligible hospitalisation expenses upto your sum insured

Activ Yuva provides strong in-patient medical cover for planned and emergency hospitalisation. Hospitalisation expenses are covered on actuals up to the Sum Insured, provided the minimum hospitalisation criteria is met (2 hours for regular treatments; 24 hours for AYUSH).

This includes:

Room rent and ICU charges

without restrictive capping, up to your Sum Insured

All daycare procedures

where treatment does not require 24-hour admission

Obesity treatment

subject to policy conditions

Mental illness hospitalisation

recognising the importance of mental health

HIV/AIDS and STD treatment

covered like any other medical condition

Modern and advanced medical procedures

including listed high-end treatments

Everything your Activ Yuva plan is designed to cover.

Additional Features of Activ Yuva

Comprehensive Hospitalisation Cover (Core Protection)

Activ Yuva provides strong in-patient medical cover for planned and emergency hospitalisation.

Hospitalisation expenses are covered on actuals up to the Sum Insured, provided the minimum hospitalisation criteria is met (2 hours for regular treatments; 24 hours for AYUSH).

This includes:

  • Room rent and ICU charges, without restrictive capping, up to your Sum Insured
  • All daycare procedures, where treatment does not require 24-hour admission
  • Modern and advanced medical procedures, including listed high-end treatments
  • Mental illness hospitalisation, recognising the importance of mental health
  • HIV/AIDS and STD treatment, covered like any other medical condition
  • Obesity treatment, subject to policy conditions
Everything your Activ Yuva plan is designed to cover.

What is HealthReturns™

A smarter way to earn back up to 100% of your premium by staying consistent with your health.

At Activ Yuva, we believe health is not about doing one thing perfectly. It’s about how you eat, how you move, and how well you recover.

HealthReturns™ is our way of turning these everyday healthy habits into real value. FitForward is the system that ensures you’re rewarded for your holistic health journey.

How HealthReturns™ works

Start with a quick setup, stay active daily, and earn more as your monthly progress improves.

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Boost HealthReturns™ with Eat Move Heal

When life gets busy, consistency still counts, this is where EAT MOVE HEAL becomes powerful.

It rewards your everyday health by turning how you eat, move, and sleep into real value as HealthReturns™ .

EAT MOVE HEAL works on three pillars:

Step 1 - Move

Move

Rewarding overall activity, not perfect daysIf, on some days when you couldn’t earn Active Dayz™ such as walking 10,000 steps or burning 300 calories, MOVE rewards you for your monthly average activity.

your average steps are 7,500+

OR

your average workout burns 250+ calories

you earn +4 Bonus Active Dayz™ for that month.
This can push you back into a higher reward slab.
Step 2 - EAT

Eat

Encouraging mindful nutritionIf you

log 2 healthy meals per day

for at least 21 days in a month

You earn a 10% booster on the HealthReturns™ you’ve earned that month.
This isn’t about dieting it’s about awareness and consistency.
Step 3 - Heal

Heal

Rewarding sleep and recoveryIf you

record 7–8 hours of sleep,

for at least 21 days in a month,

you earn a 15% booster on the HealthReturns™ you’ve earned that month.
Because recovery matters as much as activity.
Important Note:

• EAT & HEAL boosters unlock only after you achieve a minimum of 4 Active Dayz™.

• You will not be eligible to earn EAT & HEAL boosters in case you have earned 23 or more Active Dayz™ in a month

How you can use your HealthReturns™

Your HealthReturns™ are rewards which can be used for

Immediate health needs

  • Hospitalisation costs if limits are exhausted
  • OPD consultations, diagnostics and medicines
  • AYUSH treatments beyond policy limits
  • Non-medical expenses
  • Preventive care, gym, yoga and wellness
  • Health wearables

Future benefits

  • Discount on renewal premium

Know your coverage upfront

Check your eligibility and understand waiting periods before you proceed.

Eligibility – Who can buy Activ Yuva
See if you qualify for Activ Yuva coverage.

Entry Age (Adults)
Entry age: 18 to 65 Years
Entry Age (Children)
Family Floater / Multi-Individual: 91 days to 25 years
Individual policy: minimum entry age 18 years
Policy structure
Individual, Multi-Individual and Family Floater options
Family definition: 2 adults and 4 dependent children (2A + 4C)
Sum Insured options
₹5 lakh to ₹1 crore and Unlimited Sum Insured

What Activ Yuva Does Not Cover

Health insurance works best when you clearly understand both what is covered and what is not.

Below is a detailed, customer-friendly explanation of exclusions under Activ Yuva, based on the policy wording.

These exclusions are standard across health insurance and are important to set the right expectations.

When you buy Activ Yuva, there is an initial waiting period of 30 days from the policy start date.
  • During these 30 days, treatment for illnesses is not covered.
  • This exclusion does not apply to accidental hospitalisation, which is covered from Day 1.
This waiting period exists to prevent misuse of insurance for pre-planned treatments immediately after purchase.
A pre-existing disease is any condition, illness or injury that you were diagnosed with or had symptoms of before buying the policy.
  • Expenses related to pre-existing diseases are not covered for the first 2 years of continuous coverage.
  • After completion of the waiting period, these conditions are covered as per policy terms.

If you opt for the waiting period reduction add-on at policy inception, this waiting period may be reduced to 1 year.
Certain illnesses, treatments and procedures have a specific waiting period of 2 years, even if they are not pre-existing
Examples typically include (illustrative):
  • cataract,
  • hernia,
  • piles,
  • sinusitis,
  • joint replacement due to degenerative conditions,
  • benign prostate enlargement, and
  • other listed conditions in the policy wording.

Claims for these conditions are payable only after the waiting period is completed.
Maternity expenses are covered only if the Worldwide Yuva Maternity Cover is opted and the applicable waiting period is completed.
Until then:
  • expenses related to pregnancy, childbirth, miscarriage or abortion are not covered,
  • newborn expenses are not covered unless the Newborn Baby Cover is opted.

Additionally:
  • maternity-related OPD consultations are not covered unless specifically allowed under OPD benefits,
  • complications arising from pregnancy are covered only as per policy terms.
Important Note:

This section is a simplified explanation of exclusions. The legally binding details, definitions and conditions are contained in the policy wording. Customers should always refer to the official policy document for complete clarity.

Who is it the best fit for?

Activ Yuva covers what you need when you need it. No gaps. No surprises. Just straightforward protection that grows with you.

Young professional

Stay covered while you focus on your career, goals, and everyday life.

Entrepreneur

Protection that keeps up with your hustle and unpredictable schedule.

Student

Stay covered while you focus on your career, goals, and everyday life.

See Activ Yuva in Action

See how Activ Yuva brings wellness rewards and healthcare coverage together.

Join thousands of ambitious young adults

See how Activ Yuva is helping young professionals stay healthier every day.

Banoth Ravinder

Working professional

My experience with Aditya Birla Health Insurance was extremely satisfying. The claim process was smooth and handled efficiently without any hassle. The support team was responsive and guided me throughout my treatment journey. I truly appreciate their prompt service and professionalism. I would confidently recommend them for reliable health coverage.

Diksha Swarnkar

Working professional

I had a very positive experience with Aditya Birla Health Insurance. During my medical situation, their team provided timely support and ensured everything was handled smoothly. The claim process was simple and completely hassle-free. I truly appreciate their responsiveness and customer-first approach. It gave me great confidence and peace of mind during a critical time.

Karan Soni

Working professional

My experience with Aditya Birla Health Insurance has been excellent. The entire process, from hospitalization to claim settlement, was handled seamlessly. Their team was extremely supportive and ensured quick assistance whenever required. I truly value their prompt response and smooth coordination. It gave me complete peace of mind during a challenging time.

Kartik Sharma

Working professional

My experience with Aditya Birla Health Insurance was truly reassuring during a critical time. The entire process, from hospitalization to claim settlement, was smooth and stress-free. The team was highly supportive and responsive, guiding me at every step. I really appreciate their quick service and professionalism. They gave me complete peace of mind when I needed it the most.

Kaushik Hatwar

Working professional

I had a very smooth and positive experience with Aditya Birla Health Insurance. During my medical needs, their team provided excellent support and ensured a hassle-free process. The claim settlement was quick and handled efficiently with complete transparency. I truly appreciate their professionalism and prompt assistance. It gave me great confidence and peace of mind.

Kishor Singh Rajput

Working professional

My experience with Aditya Birla Health Insurance has been very reassuring. During my medical emergency, their team ensured everything was handled smoothly and efficiently. The claim process was quick, transparent, and completely hassle-free. I truly appreciate the timely support and professionalism shown throughout. It gave me confidence and peace of mind when I needed it most.

Kolluri Sunny

Working professional

My experience with Aditya Birla Health Insurance was excellent and stress-free. From hospitalization to claim settlement, everything was handled seamlessly. The team was very supportive and responsive, guiding me at every step of the process. I truly appreciate their quick service and transparency. It gave me complete confidence and peace of mind during a difficult time.

Manoj Kumar Mohanty

Working professional

I had a very smooth and reassuring experience with Aditya Birla Health Insurance. During my medical needs, the entire process—from hospitalization to claim settlement—was handled efficiently and without any hassle. The support team was responsive and guided me at every step. I truly appreciate their transparency and quick service. It gave me great confidence and peace of mind in a difficult time.

Monika Singh

Working professional

My experience with Aditya Birla Health Insurance was truly seamless and reassuring. During my medical situation, the entire process—from hospitalization to claim settlement—was handled efficiently without any hassle. The support team was responsive and guided me at every step. I highly appreciate their transparency and quick service. It gave me complete peace of mind when I needed it the most.

Nikhil Agrawal

Working professional

My experience with Aditya Birla Health Insurance was extremely satisfying and stress-free. During my medical needs, the entire process—from admission to claim settlement—was handled smoothly and efficiently. The team was supportive, responsive, and guided me throughout the journey. I truly appreciate their quick service and transparency. It gave me great confidence and peace of mind when I needed it the most.

Pebam Puremba

Working professional

My experience with Aditya Birla Health Insurance has been very positive and reassuring. During my medical needs, the entire process was handled smoothly and without any hassle. The claim settlement was quick, and the team provided constant support throughout. I truly appreciate their professionalism and responsiveness. It gave me great peace of mind at a crucial time.

Pinki Bhagat

Working professional

My experience with Aditya Birla Health Insurance was truly smooth and reliable. During my medical situation, the entire process—from admission to claim settlement—was handled efficiently and without any hassle. The team was supportive, responsive, and guided me at every step. I sincerely appreciate their quick service and professionalism. It gave me complete peace of mind during a critical time.

FAQs

Explore helpful answers about Activ Yuva’s benefits, coverage, and features.

Activ Yuva is designed for young individuals and families:
  • Adults aged 18 to 65 years can purchase the policy
  • Dependent children can be covered from 91 days up to 25 years (under Family Floater / Multi-Individual plans)
  • Individual policies can be purchased from 18 years onwards
You can choose the structure that suits your needs:
  • Individual – separate policy for each person
  • Multi-Individual – multiple individuals with separate Sum Insured
  • Family Floater – one shared Sum Insured for the family
You can choose a tenure of 1, 2, 3, 4, or 5 years, depending on your preference.
Individual / Multi-Individual plans include:
Self, spouse or live-in partner (same or opposite sex), children (including legally adopted), children-in-law, grandchildren, siblings, siblings-in-law, nieces, grandchildren-in-law and nephews.
Family Floater plans include:
Self, spouse or live-in partner, children (including legally adopted), and siblings.

Let’s start your healthy life

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