Aditya Birla Health Insurance: A Smarter Way to Secure Your Health & Savings

In today’s world where medical inflation is rising at over 14% annually, having a solid health cover isn’t just a choice—it’s a necessity. That’s where Aditya Birla Health Insurance steps in. Whether you’re looking to protect yourself or your entire family, it offers some of the most comprehensive, wellness-focused, and benefit-rich health insurance plans in India.

Let’s explore how Aditya Birla Health Insurance helps you—not just during medical emergencies but every single day—by rewarding healthy behavior and offering holistic protection.

Why Choose Aditya Birla Health Insurance?

✅ Covers up to ₹2 crore sum insured
✅ Up to 100% premium cashback via HealthReturns™
✅ 5000+ network hospitals for cashless treatment
✅ Wellness coaching, chronic care, and mental wellness support
✅ Over 22 million+ lives covered across India

Whether you’re a salaried professional, a business owner, or someone managing a family, Aditya Birla’s health plans are designed to suit every lifestyle and medical need.

Real Help for Real Users: What Makes It Different?

Unlike most insurance providers that only come into play during hospitalization, Aditya Birla Health Insurance is proactive—designed to help you live healthier and save more.

1. HealthReturns™ – Get Paid to Stay Healthy

This unique feature tracks your daily physical activity (steps, gym visits, yoga, etc.) and rewards you with HealthReturns™ points—which can be used to:

• Pay your future premiums

• Cover non-payable hospital expenses

• Buy medicines, wellness services, and more

➡️ Earn up to 30% of your annual premium back with this feature. It’s a plan that pays you to stay fit.

2. Chronic Management Program (CMP)

Dealing with diabetes, hypertension, asthma, or high cholesterol? Aditya Birla’s CMP ensures:

• Doctor consultations

• Diagnostics

• Lifestyle and diet guidance

• Medication reminders

All included in your health plan—with zero additional cost.

3. Unlimited Teleconsultations

With doctor visits becoming expensive and time-consuming, the policy includes unlimited video/phone consultations with general physicians and specialists. Whether it’s a cold, a recurring migraine, or a diet query—you can connect anytime, anywhere.

Health Insurance Plans from Aditya Birla – Tailored to Your Needs

Let’s break down some of the best-selling health insurance plans from Aditya Birla Health Insurance:

✅ Activ Health Platinum Enhanced

Who it’s for: Individuals and families seeking comprehensive and long-term health protection.

Key Benefits:

• Sum Insured: ₹2 lakh to ₹2 crore

• 100% reload of sum insured if exhausted

• Covers day care, domiciliary, pre & post-hospitalization

• HealthReturns™, CMP & Mental Wellness coverage

• Covers non-medical expenses through add-ons

Great for: Families, senior citizens, and those with existing medical conditions.

✅ Activ Fit Plan (For age group 18-35)

Who it’s for: Young, active individuals who want smart and affordable coverage with lifestyle perks.

Key Benefits:

• 10% additional sum insured for being active

• Fitness rewards and wellness perks

• Hospitalization coverage starting ₹5 lakh

• Special cover for sports injuries

• No-claim bonus up to 50%

Perfect for: Fitness enthusiasts, working professionals, single individuals.

✅ Activ Assure Diamond Plan

Who it’s for: People seeking rich features, room rent flexibility, and high-end benefits.

Key Benefits:

• In-patient and daycare coverage

• Pre-hospitalization: 60 days | Post: 180 days

• Daily hospital cash benefit

• 150% reload of sum insured

• AYUSH treatments covered

Best for: Urban families, employees, and those who want broader cover options.

Quick Comparison of Key Plans

What’s Covered Under Aditya Birla Health Insurance?

✅ In-patient Hospitalization
✅ Day-care Procedures (550+ treatments)
✅ Pre & Post Hospitalization (up to 180 days)
✅ Maternity & Newborn Coverage (after waiting period)
✅ Mental Health, Physiotherapy, & Alternative Therapies
✅ Ambulance Cover
✅ Health Check-ups & Wellness Coaching
✅ Coverage for COVID-19 and other viral illnesses

Digital Ease – Manage Everything via App

From policy purchase to claims tracking and fitness logging, Aditya Birla Health App puts everything in your pocket:

• Track HealthReturns

• Access digital policy & e-cards

• Book appointments

• Store health records securely

• Talk to doctors 24×7

In short, it’s tech-enabled health insurance made for modern users.

How Aditya Birla Health Insurance Helps You – Use Cases

🎯 Use Case 1: Working Couple with Young Child

Problem: High childcare costs + unpredictable illnesses
Solution: Activ Health Platinum gives complete family protection, with mental wellness support and kids’ health coaching

🎯 Use Case 2: Diabetes & Hypertension Management

Problem: Monthly tests, doctor visits & rising costs
Solution: Chronic Management Program (CMP) covers routine consultations and labs without extra charges

🎯 Use Case 3: Active Professional

Problem: Wants fit lifestyle + secure future
Solution: Activ Fit rewards you financially for staying active, with 10% sum increase for healthy lifestyle

Hassle-Free Claims Experience

• Cashless treatment at 5000+ network hospitals

• 24×7 claim assistance

• Reimbursement in < 10 days (on average)

• Pre-authorizations in 60 mins for planned surgeries

💬 Pro tip: You can track every stage of your claim via the Aditya Birla Health app or website.

Why Trust Aditya Birla Health Insurance?

🏢 Part of the Aditya Birla Capital Group, a trusted brand in India
📈 IRDAI-approved & regulated
🎖️ Awarded “Best Health Insurer” by multiple national rating agencies
🌍 Serving across India’s Tier I, II & III cities

Final Thought – Is It Right for You?

If you’re looking for a health insurance plan that goes beyond basic hospitalization, actively helps you stay healthy, and rewards your lifestyle choices, then Aditya Birla Health Insurance is one of the best options in India today.

From customizable plans to chronic care and mental wellness, and from fitness-linked benefits to digital convenience, it’s a smart, all-rounded solution for families, individuals, and even senior citizens.

💡 Ready to Secure Your Health?

Here’s what you can do next:

1. ✅ Compare Aditya Birla Health Insurance plans

2. 🔍 Get a free quote tailored to your needs

3. 🛡️ Choose a plan, get covered, and start earning HealthReturns™

👉 Visit https://www.adityabirlacapital.com/healthinsurance to get started.