Aditya Birla Health Insurance

Activ Health and Activ One MAX are the flagship retail health plans from Aditya Birla Health. Both include the HealthReturns wellness programme that rewards healthy behaviour with premium-back benefits of up to 100% over time. Cover is on an individual basis, with a family floater option that lets a single sum insured be shared across the family.

Inclusions cover in-patient hospitalisation, daycare procedures, ambulance charges and post-discharge expenses for a defined period. Refill benefit, no-claim bonus on premium and wellness check-ups are part of the higher variants. For families that want the most innovative health insurance product in India, this is the line to look at first.

Aditya Birla Health offers dedicated critical illness plans and a Cancer Secure variant that pays a lump-sum benefit on the diagnosis of named critical illnesses or cancer stages. The lump-sum payout works differently from indemnity health insurance: you get the money on diagnosis, and you can use it for treatment, income loss or lifestyle costs during treatment.

For Indian families where one earning member is the primary financial anchor, critical illness cover paired with regular hospitalisation health insurance is usually the right combination. Premiums for younger applicants are still modest.

Personal Accident cover from Aditya Birla Health pays a lump-sum benefit on accidental death and pays a percentage of sum insured on accidental permanent disability or temporary total disability. This sits outside regular health insurance and complements it for buyers who travel a lot for work or take on activities with higher accident risk.

Premiums are typically very low relative to the sum insured. For someone in their 30s, a sum insured of ₹25 lakh costs a fraction of a comprehensive health policy, while covering a completely different risk.

Travel insurance from Aditya Birla Health covers worldwide travel against checked-in baggage loss, baggage delays, loss of passport, hijacking-related damages, trip delay and trip cancellation. Round-the-clock assistance and an automatic cover extension feature are useful for international trips where return delays are common.

For Schengen visa applications, the international plans generally meet the €30,000 medical-cover requirement. Worth checking close to your application date.

For employers, Aditya Birla Health offers group health insurance covering employees and dependents, plus group personal accident covers. The wellness ecosystem and HealthReturns concept also scale to enterprise customers, which is one of the reasons the company is competitive on group business.

Larger groups can negotiate specific covers like maternity benefits, OPD coverage and wellness programmes as part of the policy design. Policywings handles placement, renewal and claim co-ordination for employer groups.