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Aditya Birla Health Insurance

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Aditya Birla Health Insurance
Cashless Approval TAT2 hr Cashless Claim Processing
Claim Settlement Ratio96%
Network Hospitals10,500+
Pre-existing Disease Coverage Starting FromDay 1
Special BenefitsIncentivized Wellness
Starting Premium for Rs. 5 lakh CoverageRs. 270/month

Aditya Birla Health Insurance Company Limited is a joint venture between Aditya Birla Group, India and MMI Holdings, South Africa. Since its inception in the year 2015 the company has covered 2.1 Crore+ lives. The company has a presence in over 5000 cities in India.

The current plans of the company includes offerings in health from their base plan to chronic care, active lifestyle, mental wellbeing, and incentivised wellness. [1]

About Aditya Birla Health Insurance

With a claim settlement ratio of 96%, Aditya Birla Health Insurance is now offering ‘Cashless Everywhere Claim Facility’[2]. The company provides comprehensive health covers, chronic health programs, and access to expert health coaches. Aditya Birla health also offers day 1 chronic cover for critical illnesses like asthma, diabetes, high blood pressure, high cholesterol, etc. Aditya Birla Health Insurance company has a unique ‘multiply wellness’ feature which you can avail with their Active Fit plan. This feature incentivises your fitness journey and offers various benefits like cash backs and discounts across ecommerce platforms, travel portals and apps, movies, food orders and more! [3]

Key Features

Listed below are some of the key features of Aditya Birla Health Insurance:

  1. Multiply Wellness: Earn rewards for working out and make the most out of your fitness and health journey with Aditya Birla Health Insurance.
  2. No Copayments: In plans like Active Health Platinum get a feature of no copayment and focus on your health stress free.
  3. Mental Wellbeing: Mental wellbeing is as important as physical and Aditya Birla Health Insurance understands that. Get benefits of mental wellbeing with plans like Active One and Active Assure Diamond.
  4. Early Disease Coverage: Get features like early disease coverage from day 1 with certain plans of Aditya Birla Health like Active Health Platinum.

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Key Metrics 

Here are the key metrics of Aditya Birla Health Insurance Co. Limited:

Key Metrics


Claim Settlement Ratio (FY 20220-23)


Solvency Ratio (March 2023)


Lives Covered

2.1 Crore+

Launch Year


*The percentage of claims settled by an insurance company relative to the total number of claims received is known as the Claim Settlement Ratio (CSR). Any company with a CSR of 85% or above is considered good to buy insurance from.

*The solvency ratio [4] is a financial indicator that measures a company's ability to meet its long-term debt obligations and signifies its financial stability. Any company having a solvency ratio >1.5 is considered to be good to buy insurance from.

*Life covered here refers to the number of people insured and the data is sourced from Aditya Birla Health’s official website. [1]

InsuranceDekho is a 5-Star Partner of Aditya Birla Health Insurance

Aditya Birla Health Insurance Plan List

  • Individual (9)
  • Family (9)
  • Woman (9)
  • Parents (6)
  • Blood Pressure (9)
  • Kids (7)
  • Thyroid (9)
  • Diabetes (9)
  • Heart (3)
  • Senior Citizen (5)
See More Plans

Eligibility to Purchase Adityta Birla Health Insurance Plan

Here’s the eligibility factor for purchasing any Aditya Birla Health Insurance Plan:

1. Age

  • For individuals, the minimum age must be 18 years with no upper age limit in some plans
  • For family floater plans, the minimum age is 91 days up to 24 years for children and 18 years and above for adults

2. Health Check-ups

  • Before enrolling for any Aditya Birla Health Insurance Plan, you will have to undergo a health check-up to determine your health conditions

Aditya Birla Health Insurance Top Up List

    Name of PlanSum Insured
    Super Health Plus Top-up PolicyMin: 91 Days; Max: 65 years3 Lakh - 95 Lakh Check Premium

    Top Plans Offered by Aditya Birla Health Insurance

    Here are the top 5 plans offered by Aditya Birla Health Insurance Limited:


    Plan Type

    Sum Insured

    Ideally Suitable For

    Active One

    Individual and Family Floater

    Rs. 7 lakhs to 1 Crore

    Family, Senior Citizen, Persons having pre-existing illness or have major surgery

    Active Health Platinum


    Rs. 7 lakhs to 1 crore

    Senior Citizens

    Active Assure Diamond

    Individual and family floater

    Rs. 1 lakh to 30 lakh. Up to 55 lakh in some cases

    Children, Youngsters, Persons having pre-existing illness

    Active Fit

    Individual and family floater

    Rs. 3 lakh to 10 lakh

    Youngsters, fit individuals, healthy individuals

    Riders offered by Aditya Birla Health Insurance

    Some of the top riders offered by Aditya Birla Health Insurance are mentioned below:

    • Critical Illnesses: Aditya Birla Health Insurance provides critical illness or chronic care rider on plans like Active One that safeguards you from financial burden at the time of need.
    • Cancer Booster: Get a cancer booster rider with plans like Active One, Active Assure Diamond to help combat the rising cost of cancer care.
    • OPD Expenses: You can add OPD care rider with your plans like Active Fit and Active Health Platinum to cover costs of OPD consultations, diagnostics and medications.
    • No Claim Bonus [5]: Products like Active Health, Active Assure, Active Care offers super no claim bonus riders that enhance your overall policy coverage. Note that no claim bonus comes with a maximum limit, and may vary depending on your insurer.

    How to Purchase Aditya Birla Health Insurance Policy?

    There are two ways you can purchase Aditya Birla Health Insurance Policy: online or offline

    Purchase Aditya Birla Health Insurance Policy Via InsuranceDekho

    There are two ways you can purchase Aditya Birla Health Insurance Policy from InsuranceDekho:

    Steps for Purchasing Aditya Birla Health Insurance Policy with InsuranceDekho Online:

    Step 1: Provide Your Information on InsuranceDekho

    Head to InsuranceDekho's health homepage or fill out the form located at the top right of this page with your personal information such as name, phone number, etc.

    Step 2: Compare Health Plans

    Based on the information provided by you, top plans will be listed in a table. Choose the most suitable insurance plan for yourself and your family based on your requirements.

    Step 3: Complete the Online Payment Process

    Fill in necessary details in Proposal Form 1, answer two simple health-related questions in Proposal Form 2, submit your KYC, and proceed to make the payment.

    Purchase Aditya Birla Health Insurance Policy from InsuranceDekho with complete assistance

    Step 1: Enter your details on InsuranceDekho’s website

    You can visit and enter your basic details such as mobile number, age, pin-code

    Step 2: Compare Health Plans

    Based on your response, the best eligible plans as per your customer profile will be recommended and shown to you on the plan page

    Step 3: Schedule a call back

    You can schedule a call back by updating the enquiry on the plan page on our website

    Step 4: Connect with an InsuranceDekho Advisor

    Once you request a callback, an advisor from InsuranceDekho will call you at the time of your choice. They will help you over the phone using a certified AV advisor approved by IRDAI. If needed, we can also send an expert to your home for free to help you fill out forms or answer any additional questions you may have.

    Purchase Aditya Birla Health Insurance Policy From Insurer’s Website

    Here's the process for purchasing health insurance through Aditya Birla Health Insurance's website:

    Step 1: Visit Aditya Birla Health Insurance’s Website

    Open your web browser and navigate to the official website of Aditya Birla Insurance.

    Step 2: Provide the Necessary Details

    Fill in your details on the website's main page to view suggested plans.

    Step 3: Select a Plan

    Review the list of available plans and choose the insurance plan that best meets your needs.

    Step 4: Choose Additional Features

    Select any add-ons that you require.

    Step 5: Complete the Premium Payment Online

    After selecting a plan, proceed to the "buy now" section and complete the premium payment process.

    Regardless of whether you buy a health insurance plan through InsuranceDekho or Aditya Birla Health Insurance, you'll receive a notification on your registered email ID and phone number.

    Benefits of Purchasing your Policy from InsuranceDekho

    • At InsuranceDekho, we help you in getting on-time approvals from insurers
    • You can avail dual claim assistance with support from both the insurer and InsuranceDekho team for an easy claim settlement process
    • We also help our policyholders in easy policy renewal and modification in policy document
    • InsuranceDekho has an unbiased approach in suggesting the best plan for you as per your need after do

    Documents Required for Purchasing Your Policy

    Here is the list of documents needed to register with Aditya Birla Health Insurance:

    1. OTP verification or copy of proposal form
    2. Age Proof (10th or 12th marksheet, PAN card, or driving licence)
    3. Address Proof (Aadhaar card, driving licence, electricity bill, telephone bill, voter’s ID)
    4. Medical Reports
    5. Identity Proof (Voter ID, Aadhaar Card, Passport, etc)

    How to Claim Your Health Insurance?

    For a smooth claim process under the Cashless Everywhere initiative, inform Aditya Birla Health 3 days in advance in case of planned hospitalisation and within 48 hours of hospitalisation in case of emergency. Unless a pre-authorisation has been issued by the insurer, make payments at the hospital as per their standard process. Submit all original documents, hospital bills within 15 days of discharge for the claim reimbursement process to begin.

    Note, that the General Insurance Council has also emphasised that the claim must be according to the terms and conditions mentioned in your health policy.

    Additionally, make sure your hospital is not in the delisted or excluded hospitals list of Aditya Birla Health Insurance.[6]

    Awards and Achievements of Aditya Birla Health Insurance

    1. Best Product Innovation BFSI: Dun & Bradstreet's BFSI and Fintech Awards 2023
    2. Product Innovation Company of the Year: India Insurance Summit Awards 2023 by Synnex
    3. Bronze for Jump for Health campaign: e4m India Marketing Awards 2023
    4. Best Health Insurance Company of the Year: InsureNext Summit & Awards by Banking Frontier 2022
    5. Best Group Insurance Growth: InsureNext Summit & Awards by Banking Frontier 2022
    6. Best Talent, Diversity and Culture Initiative: InsureNext Summit & Awards by Banking Frontier 2022
    7. Excellence in Claim Service (Insurance): ETBFSI Excellence Awards 2022
    8. Silver for innovation in BFSI: SKOCH Awards 2022

    Aditya Birla Health Insurance - Customer Service & Support

    Connect with Aditya Birla Health Insurance Co. Limited’s customer service and support team on the below given contact credentials:

    • Call on their toll-free number 1800-270-7000
    • Whatsapp them with your questions on +91-8828800035

    Connect with an InsuranceDekho relationship manager to help you with immediate processing of your request at +91-7551196989

    Complaints & Grievance Redressal

    In case you have to file a complaint or grievance redressal, reach out to Aditya Birla Insurance via:

    Aditya Birla Health Insurance Co. Limited 7th floor, Modi Business Centre, Kasarvadavali, Mumbai, Thane West 400 615

    To get your complaints and grievances addressed faster, mail InsuranceDekho at or visit here for more details:



    Health Insurance News


    • On what factors the eligibility to get a health insurance plan depends?

      The two basic eligibility criteria for getting the insurance policy are entry age and medical check-up.

    • Can I buy a health insurance policy for my 4-year-old kid?

      Aditya Birla Health Insurance does not offer any separate health insurance plan for kids. But, they can be covered with their parents either on an individual or a floater basis.

    • When should a reimbursement claim request be submitted?

      Request for reimbursement claim should be submitted within 15 days of getting a discharge from the hospital or clinic.

    • What is the period in which Aditya Birla Health Insurance settles claims?

      Aditya Birla Health Insurance settles claims, including the rejection, within 7 working days of receiving necessary documents, but not more than 30 days.

    • What is the Incurred Claims Ratio of Aditya Birla Health Insurance for the financial year 2018-2019?

      The ICR for Aditya Birla Capital Health for FY 2018-19 is 59%.

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      I've been a loyal InsuranceDekho customer for years now, and I couldn't be happier with their service. Whenever I need to make changes to my policy or file a claim, their team is always there to help me out. It's reassuring to know I'm in good hands with them. The helped with filing my claim for my Aditya Birla health insurance.

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      By Dhruv Gupta
      On: May 29, 2024
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      InsuranceDekho gave me peace of mind while I was purchasing an Aditya Birla Health Insurance plan. Transparent terms and quick responses to queries. They made it easy to under the plans and made my choice easier fulfilling all my needs.

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      By Ojas Chaudhary
      On: May 23, 2024
    • Easy To Buy Online

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      By Tanya Yadav
      On: Mar 12, 2024
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      By Harsh Thackeray
      On: Dec 05, 2023