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Aditya Birla Health Insurance Co. Limited

Products
- Health & Wellness plans
  - Activ One NXT NewMax ProtectionHealthReturns™ + No Capping on Medical Expenses + Super Reload₹5,630*/annumView Details
  - Activ FitMax ProtectionHealth Insurance + Health Benefits + Rewards₹6,863*/annumView Details
  - Activ Care ClassicParent Care Health Insurance for Parents ₹28,373*/annumView Details
  - Activ Assure Diamond + Super Health Top UpMax Protection 1 Crore Cover + Health insurance + Health benefit ₹11,746*/annumView Details
  - Activ Health Platinum EnhancedMax ProtectionHealth Insurance + Wellness Benefit + Chronic Care₹8,215*/annumView Details
- Large payout plans
  - Personal AccidentHealth insurance for cover against accidents₹212*/annumView Details
  - Cancer SecureHealth insurance for cover against cancer₹428*/annumView Details
  - Critical IllnessProtecting your future after a critical illness₹5,463*/annumView Details
- Corporate Plans
  - Group Activ HealthComprehensive corporate health insurance planView Details
  - Group Activ SecureFixed benefit plans including personal accident insurance, critical illness insurance and hospital cash benefitView Details
  - Group Activ TravelThe perfect travel insurance planView Details
- International Cover
  - Global Health SecureAvail cashless treatment internationally with this plan₹12,917*/annumView Details
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Aditya Birla Health Insurance Co. Limited

Arogya Sanjeevani

Today we all are aware that health emergencies are unpredictable. So it is essential to have a health insurance plan that not only protects you ﬁnancially, but also comes with our assurance of providing access to quality healthcare, in times of need.

Premium starting at

₹5,117* /annum

Download Brochure

Key highlights

Sum Insured Options

You can choose sum insured from Rs.1 lac to Rs.5 lacs as per your need.

All Daycare Treatments

We cover you for all day care treatments.

AYUSH Treatment

Covers in-patient treatments given under Ayurveda, Unani, Siddha, Yoga & Naturopathy and Homeopathy systems.

Pre and Post Hospitalization Expenses

Convenient access to a second.

Cashless Treatment

Get admitted to one of the hospitals in our network and avail cashless treatment facility.

Cumulative Bonus

5% increase in your sum insured for every claim free year.

What’s Covered?

Hospitalization Expenses

Covered if admitted for a minimum of 24 consecutive hours or above. However, time limit of 24 hours is not applicable for Day Care Treatments

Pre-hospitalization Medical Expenses

For expenses incurred on medicines and diagnostics before 30 days of your hospitalization.

Post-hospitalization Medical Expenses

For expenses incurred on medicines and diagnostics after 60 days from the date of discharge from the hospital.

Room Rent and Nursing Expenses

Covered up to 2% of the sum insured per day-maximum of Rs 5000 per day

Intensive Care Unit (ICU)/Intensive Critical Care Unit (ICCU)

Covered up to 5% of the sum insured per day-maximum of Rs 10,000 per day

Cataract Treatment

Covered up to 25% of sum insured or Rs.40,000, whichever is lower, per eye, under one policy year

AYUSH Treatment

Expenses incurred for in-patient treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems of medicines shall be covered up to sum insured, during each Policy year as speciﬁed in the policy schedule

Cumulative Bonus

5% increase in your sum insured for every claim free year* *Subject to maximum of 50% of sum insured. In the event of claim the cumulative bonus shall be reduced at the same rate.

Waiting period* and Co-payment

30 Days Waiting Period: In the 1st year of the policy cover there is a 30 days waiting period for any treatment, except for claims arising due to an accidental injury. In case the insured person has continuous coverage for more than 12 months this exclusion will not apply. Speciﬁc Waiting Period:
24 Months waiting period: Speciﬁc illnesses/treatments like Hernia, Piles, Cataract and age related eye ailments, Varicose veins etc. 48 months waiting period: For joint replacement treatment or Age-related Osteoarthritis & Osteoporosis. Pre-Existing Diseases Waiting Period: 48 months.
Co-pay: Mandatory 5% co-pay for all claims.

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Check Eligibility
Exclusion

Policy can be availed by persons between the age of 18 years and 65 years, as Proposer. Proposer with higher age can obtain policy for family, without covering self. Policy can be availed for Self and the following family members:
- Legally wedded spouse
- Parents and Parents-in-law
- Dependent Children (i.e. natural or legally adopted) between the age 3 months to 25 years. If the child above 18 years of age is ﬁnancially independent, he or she shall be ineligible for coverage in the subsequent renewals.

War, act of foreign enemy, uprising, revolution, insurrection, military or usurped acts.
Any expenses incurred on Domiciliary Hospitalization and OPD treatment.
Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof.
Treatments received in heath hydros, nature cure clinics, spas or similar establishments.
Treatment taken outside the geographical limits of India.

Why Aditya Birla Health Insurance?

For more details, download our policy documents

Product Brochure

Policy Wording

Visit Download Center

Find a Cashless Hospital Network near you.

Be it an emergency or a routine check-up, we’ve partnered with cashless hospitals all over India.

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We put our faith in a better you, thank you for trusting us!

Aditya Birla Health Insurance inspired me to maintain an active lifestyle by adopting healthy habits and rewarded me with 100% HealthReturns™. I earned it by walking 10000 steps daily and I'll use my HealthReturns™ to renew my policy.

Mr. Radhey Shyam Laddha

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

Mr. Rajinder Balhara

Construction Business Owner

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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

IT Professional & Marathoner

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I was hospitalized thrice & the entire claim process was 100% hassle free. I personally find the dedicated care manager benefit of the policy extremely useful.

Mrs. Prajakta Bhudivant

Homemaker

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When your child is sick, you will only focus on getting the best treatment. The entire claims process was handled by our care manager and was very seamless which helped us relax and be with our son all the time.

Govind & Deepika Shukla

IT Sales Professionals