Activ Fit Aditya Birla Health Insurance

4.5

Paybima Rating

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Policy Wording

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When it comes to health insurance plans for young adults, choosing a plan that aligns with an individual’s needs becomes a priority. Enter the Aditya Birla Activ Fit Plan, with its sum insured of up to ₹1 crore, flexible policy tenure, plan type, and much more.

Aditya Birla Activ Fit is a carefully designed health insurance plan for young adults between 25 and 35 years. The plan not only offers wide coverage and a high sum insured but also promotes a healthy lifestyle by offering additional benefits. Let’s explore the plan in detail.

Highlights of Activ Fit Aditya Birla Health Insurance

Claim settlement ratio - 96%

High sum insurance up to ₹1 crore.

A wide range of base cover.

Exciting additional benefits.

Plenty of optional covers and value-added benefits.

NCB* - 10% of SI, up to 100%

PED Waiting# - 48 months

Network Hospital - 11,000+

Get all your insurance related queries answered

Disclaimer

* The accumulated cumulative bonus or the NCB shall not exceed 100% of the Sum Insured on the Renewed Policy as specified in the policy terms.
# Ailments diagnosed within 48 months before policy issuance date or any medical treatment received within 48 months before the issue date of policy.

(For Detailed Information Refer to the Policy Wording)

Aditya Birla Activ Fit Plan: Highlights

Here’s a table highlighting the key highlights of the Aditya Birla Activ Fit Plan:

Particulars	Details
Policy Name	Aditya Birla Activ Fit
Insurance Company	Aditya Birla Health Insurance Co.Limited
Policy Type	Individual, Multi-Individual & Family Floater
Sum Insured Options	₹5 lakhs to ₹1 Crore
Add-Ons	No Claim Bonus starting from 10% of the SI upto 100%, per annum. Health Check-Up Program, once a year. Domestic Emergency Assistance No Claim Super Binus starting from 50% of the SI upto 100%, per annum. EMI Protection
Waiting Period	Pre-existing waiting period- 36 months Initial Waiting Period- 30 DaysSpecific Waiting Period: 24 Months

Features and Benefits of the Aditya Birla Activ Fit Plan

Aditya Birla Activ Fit Plan is designed specifically for young adults to have a safety net that takes care of any medical emergencies. In addition to offering wide coverage, the plan promises benefits for choosing healthy habits every day. Let’s take a look at the features and benefits of the Aditya Birla Activ Fit Plan:

A Comprehensive Plan

With medical inflation being at an all-time high, a comprehensive medical insurance plan becomes a necessity. Aditya Birla Activ Fit plan is designed to ensure that the insured can easily meet the medical expenses, whether it is for regular check-ups, critical illness treatment, emergency hospitalisation and a lot more.

Additional Coverage

When it comes to medical insurance, one size does not fit all. This is where the Aditya Birla Activ Fit plan comes into the picture with its additional coverage to meet the needs of every individual. Under the plan, you can enjoy additional benefits, value-added benefits and a wide range of optional covers that make the plan more comprehensive and enjoy offers on premium payment.
Did You Know that you can get discounts up to 100% of the sum insured under the No-Claim Bonus?

Exciting Benefits

The plan features multiple exciting benefits to meet the needs of young adults. Here’s what you should know about these benefits:

Good Health Discount:The plan offers a 10% upfront discount on the first policy premium for young adults choosing a healthy lifestyle.
Early Bird Discount:To promote the purchase of medical insurance, the plan offers a 10% discount for individuals who have not turned 35 yet.
Binge Refill:For policyholders who need additional funds beyond the sum insured, the plan offers 100% of the sum insured as a refill. This can be availed unlimited times during one policy year.

Quick Application and Approvals

In today’s lifestyle, when every day is packed with multiple work and household chores, the last thing a young adult wants is to spend hours applying for medical insurance and waiting for approvals due to the long waiting period. With the Aditya Birla Activ Fit plan, application and approval are no longer a concern. You can easily apply online and get instant approvals.

Aditya Birla Activ Fit Plan: What is Covered?

Before purchasing a policy, you need to understand the inclusions:

Inpatient hospitalisation

This covers the medical expenses of the insured period arising out of an illness or injury. Inpatient hospitalisation covers a wide range of expenses like room charges, operation theatre charges, doctor and nurse charges, test and diagnosis bills, expenses incurred on surgical appliances, etc.

Modern treatment coverage

The plan offers coverage for modern treatments like:

Balloon Sinuplasty
Uterine Artery Embolisation and HIFU (High-intensity focused ultrasound)
Robotic surgeries
Deep Brain stimulation
Oral chemotherapy
Immunotherapy
Intravitreal injections
Robotic surgeries
Stereotactic radio surgeries
Stem cell therapy

Daycare Treatment

Expenses incurred for daycare treatment are taken care of under the plan. Remember that a treatment qualifies as a daycare treatment for the policy only if it is medically necessary and has been advised by a licensed medical practitioner.

Pre and Post-Hospitalisation

Often overlooked, pre- and post-hospitalisation bills can take a heavy toll on the pocket. However, with a policy like this, the insured person can stay worry-free. Remember that the number of days for pre- and post-hospitalisation coverage is specified in the policy documents.

Maternity Expense Coverage

Activ Fit policy offers coverage for material expenses like:

Medical expenses incurred on delivering a child.
Medical expenses incurred on the lawful termination of pregnancy.
Pre-- and post-natal maternity expenses.

Pro Tip: You can now take advantage of the coverage offered for newborns.

Vaccination Coverage

The policy also offers coverage for a wide range of vaccination expenses, like:

Tetanus Toxoid
Human Rotavirus Vaccine
BCG Vaccine
Hepatitis B
Typhoid
Haemophilus Influenzae Type B
OPV
IPV.

Aditya Birla Activ Fit Plan: What is Not Covered?

Here’s a list of services that are not covered under the plan:

Injuries During War

An injury due to participation in war or insurrection is not covered.

Attempt at Suicide

Any injury that requires medical attention arising out of an attempt at committing suicide is not covered. Additionally, any injury incurred due to committing unlawful acts is also not covered.

Medical Treatment Without Authorisation

Any medical treatment that has not been advised or authorised by a medical practitioner is not covered.

Pros & Cons Activ Fit Aditya Birla Health Insurance

The Aditya Birla Activ Fit Health Insurance Plan is aimed at covering the health enthusiasts. The plan offers an early bird discount to people entering it at an age of 35 years or less

Upfront Good Health discount of 10% is another lucrative feature of Aditya Birla Activ Fit Health Insurance Plan. This feature can be obtained once at the time of procuring the policy by policyholders who are 18 years and above by undergoing a Health Risk Assessment successfully

In addition, the insured also gets the facility of earning up to 50% of premium as HealthReturns

The plan covers maternity benefits for both pre as well as post-natal maternity costs including vaccinations, stem cell preservation etc.

In case the sum insured is used up completely due to any health emergency, the policy provides a binge refill of the Sum Insured for unlimited times as required

Activ Fit Policy doesn’t cover expenses for treatment that arises out of war, invasion, act of foreign enemy, use of radiation, nuclear weapons, war like operation and so on

The policy also excludes the coverage of treatment due to drug abuse and its consequences because of the high intake of such substances

The Activ Fit Plan also doesn’t include coverage for various weight management treatments as well as the treatment of obesity

Treatment for eye sight correction, cosmetic, aesthetic and re-shaping surgeries etc. are also not covered under the Activ Fit plan

Our verdict

Aditya Birla Activ Fit is a reliable, comprehensive and cost-effective plan for young adults looking to purchase health insurance. The insurance company has, over the years, created a platform that promises support and assistance to its customers 24*7. With over 11000 network hospitals, the company has touched the lives of over 2.5 crore individuals. When it comes to easy settlement of claims, Aditya Birla Health Insurance Co. Ltd can be trusted as its CSR is 96%.

If you are looking for a reliable health insurance that best aligns with your needs, trust Paybima to explore all the available options.

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Aditya Birla
Health Insurance Company

Aditya Birla Health Insurance Company Limited was incorporated in 2015 as a joint venture between the Aditya Birla Group and MMI Holdings of South Africa with 51% and 49% stake respectively. The company is a subsidiary of Aditya Birla Capital Limited.

The company offers a wide range of health insurance products consisting of unique insurance covers and offerings including incentive wellness and chronic care. The company believes in transparency, technology, trust and efficient customer service.

Founded in

2015

Number of Claims

20.5+ Lakh

Number of Policies

2.5 Crore+ lives covered

Turnover (GWP)

Rs. 2,399 Crore

JV Partners

JV between Aditya Birla Capital Ltd. (ABCL) and MMI Holdings of South Africa

Claims Experience

Claims Experience Rating 4.7

% of claims settled in less than 30 days
Reflects on the speed of settling valid claims

98.05%

% of Complaints received on overall claims
% customers unhappy with claims experience

0.24%

Claims Incurred Ratio

69.56%

Claim Settlement Ratio (No. of claims)

96%

No. of Cashless Hospitals

11,000+

Benefits of Activ Fit Aditya Birla Health Insurance

In-patient Hospitalization
ICU Rent Limit	ICU Charges up to the limits as specified in the Policy Document
Room Rent Limit	Room Rent charges up to the limits as specified in the Policy Schedule
Pre & Post Hospitalization
Post-hospitalization expenses covered up to	Up to Sum Insured
Post-hospitalization expenses covered for	180 Days
Pre-hospitalization expenses covered up to	Up to Sum Insured
Pre-hospitalization expenses covered for	90 Days
Day Care Treatment
Financial Limit	Up to the Sum Insured as specified in the Policy Schedule
No. of treatments covered	527 Daycare treatments covered

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Ask Anything as We Have Answers to Everything in Insurance

No, the Aditya Birla Activ Fit Plan doesn’t offer any room rent limit. In fact, the policyholders of Aditya Birla Activ Fit plan can opt for any room category at the time of hospitalization.

Yes, the Aditya Birla Activ Fit plan allows the insured to earn a good health discount under the plan if the health condition of the policyholder is good at the time of buying the policy. The health condition of the insured is assessed by the insurer through a health risk assessment.

The Aditya Birla Activ Fit plan provides coverage for all types of day care procedures.

No. The Aditya Birla Activ Fit plan allows only the adult insured members to avail the facility of free annual health check-up.

Yes. The insured can pay the premium of the Aditya Birla Activ Fit plan in different instalments including monthly, quarterly and half-yearly

Any individual between the ages of 25 and 35 years can explore the plan as it offers both individual and family floater policy types that take care of different needs. Additionally, with a sum insured up to ₹5 crore, medical expenses are easily taken care of.

You can purchase the policy seamlessly at Paybima. Additionally, you can also purchase the plan directly from the official website of Aditya Birla Health Insurance Co.Ltd.

Yes, there is a waiting period for the policy. It has an initial waiting period of 30 days, a pre-existing waiting period of 36 months and a specific waiting period of 24 months.