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  • Aditya Birla Active Health Plans

     4.0 / 5.0   by 4999 users
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    Cashless Treatment

    Customer Service

    Medical Coverage

    Claim Experience

    Responsiveness

    Health insurance for many is merely a tax-saving tool. But in a time where sickness and accidents are becoming more frequent, one shouldn’t neglect the health aspects of a health insurance plan. A better awareness about the benefits of your health insurance can go a long way in safeguarding your health as well as your finances. Many health insurance providers offer health coverage but Aditya Birla has come up with a plan that will not only cover your medical expenses but also reward you for keeping fit. Named as the ‘Activ Health plan’, the health insurance policy will help you live without having to worry about the skyrocketing medical bills that you may incur during a medical crisis. The plan offers personalised health services that are cost-effective and also easy to avail which is ensured by the integration of smart technology solutions.

    With its Activ Health plan, Aditya Birla intends to fill the gaps in the health insurance segment in India by placing the customer’s health and well-being in its core of operations. Besides offering hospitalisation benefits, the Activ Health plan rewards its customers for exhibiting a healthy behaviour by offering cashbacks. Cashbacks of up to 30% of the premium are given out at the end of every year which gets credited to an individual’s health account. The amount can be used for any coverage that may not be included in your health cover (e.g OPD treatments) and also for paying renewal premiums. Under the Activ Health plan, there are two variants - Activ Health Essential and Activ Health Enhanced. Before we get into the details of these 2 variants, let’s understand how the reward system in an Activ Health plan works.

    Reward System in Activ Health Plan:

    Any individual who takes up a medical test post 90 days from the time of purchase of the policy, is entitled to earn reward points. The expense for the tests is borne by Aditya Birla and includes tests for cholesterol, body mass index (BMI), blood pressure, blood sugar, and smoking habit. Customers are categorised on the basis of the data into red, amber, and green.

    Each month, a percentage of the premium is credited to the health account of the individual based on their activity level. A customer can earn up to 2.5% a month which amounts to 30% a year if he/she meets the criteria to be in the green category by displaying active fitness behaviour. Unlike other health insurance providers who insist on a pre-medical checkup before the purchase of a policy, Aditya Birla offers rewards for free health checkup after the policy is bought.

    The activity levels of the consumers are recorded through an app that can be linked to a phone or a wearable device. Apart from that, Aditya Birla has also partnered with gyms in over 50 cities and when you ‘check-in’ at the gym, the gym activity will be recorded in their database. For places where activities cannot be tracked, like yoga and swimming centres, the activity level is determined through a fitness checkup that is done once in every 6 months. The reward for the next 6 months is credited according to the activity level and is applicable for 6 months.

    Activ Health Essential Plan:

    The Activ Health Essential plan is the starting variant under the Activ Health plan with a maximum insured sum of Rs.10 lakh. An extra coverage can be purchased by paying an additional amount. The key benefits of this plan include coverage for chronic diseases like asthma and diabetes without any waiting period, hospital room choices, cashback rewards on fitness activities, and the option of broad coverage. Some of the other features offered by the Activ Health Essential plan are given below:

    • Pre, post, and in-patient hospitalisation expenses are covered under the plan. For pre and post-hospitalisation, coverage is offered for 30 days and 60 days, respectively.
    • Day care treatment procedures like dialysis will also be offered coverage.
    • Road ambulance and domiciliary hospitalisation expenses are also covered for.
    • A second opinion on certain ailments like cancer and heart attack will be provided by a team of medical experts.
    • A free health checkup every year.
    • If you do not make any claims, you will be eligible for a no-claim bonus of 10% on the sum insured.
    • To help you become your healthiest version, a wellness coach will provide you guidance on your health journey.
    • Daily hospitalisation allowance will be given for a maximum of 30 days, based on your medical requirements.
    • Deductible option applicable on admissible claims.

    Activ Health Enhanced Plan:

    The Activ Health Enhanced plan provides an enhanced coverage of the sum insured of up to Rs.2 crore. Apart from the above benefits offered by the Activ Health Essential plan, the Activ Health Enhanced plan offers additional benefits like organ transplantation expenses, worldwide emergency services, sum assured reload, and recovery benefits. Also, unlike in an Activ Health Essential plan, there is no need to make a co-payment of 20% on the sum insured. Pre and post-hospitalisation expenses in an Activ Health Enhanced plan are extended to a period of 60 and 180 days, respectively.

    Both the Activ Health Essential and Activ Health Enhanced health plan variants by Aditya Birla will boost a healthier lifestyle while letting you enjoy impressive financial returns.

    Aditya Birla Active Health Plans Reviews

  • Page 1 of 50 1 2 3 4 5
    • National Insurance Health Insurance
      "Good Service so far"
      0.5 4.0/5 "Great!"
      I've a health insurance policy with the National Insurance. It offers an annual Coverage of 3 lacs, the policy covers me and my parents and I do not have any claim experience with the policy so far. I never had any issues with their services.
      Was this review helpful? 1
      , gurgaon
      Reviewed on Jul 14, 2018
    • ICICI Lombard Health Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I've a health insurance policy with the ICICI Lombard. It took almost one month to receive the policy document soft copy. I am paying a premium of 650 per month. They're yet to send me the hard copy. Overall it hasn't been a good experience with the policy so far.
      Was this review helpful? 0
      , delhi
      Reviewed on Jul 14, 2018
    • Reliance General Health Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've been using the Health Insurance policy from the Reliance General Insurance. The company is paying the premium. The policy covers me and my parents. The policy offers an annual coverage of 5 lacs for me and 2 lacs for my parents. So fat I do not have any claim experience with the policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 14, 2018
    • HDFC Ergo Health Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've an employer provided health insurance policy with the HDFC Ergo. It offers an annual coverage 5 lacs, the company is paying the premium. I do have any claim experience with the policy. I have claimed this policy two times for me and wife both they approved. The claim processing was really easy and they settled almost 30000.
      Was this review helpful? 0
      , pune
      Reviewed on Jul 14, 2018
    • Apollo Munich Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with Apollo Munich from more than 10 years and it is an individual policy. I am happy with the coverage value of this insurance policy. I have not claimed anything so far from this insurance policy and the policy is covered up to Rs 3-4 lakhs.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 13, 2018
    • Star Health Health Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have a health insurance policy with Star health from last 7 years and it is one of the good insurance policy. I pay a premium of Rs 10000 for this insurance and it is a family heath policy. My claim experience was good and i have claimed 2 times. The coverage value was 90% and it was a cashless treatment.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Jul 12, 2018
    • United India Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with United India Insurance from last 15 years, i am happy with the coverage value of this insurance policy. I have no claim experience so far with this insurance policy. This is a family policy so the coverage value is Rs 3 lakhs.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Jul 12, 2018
    • review Health Insurance
      "Good to take the Health insurance policy"
      0.5 4.0/5 "Great!"
      I have a claiming experience. There is plenty of hospitals covered in Hydrabad area. The claiming experience is good and it was done within 15 days. I claimed the maximum amount of Rs. 25000 till now and i can claim upto 5 lakhs for me and my family. Cashless treatment facility is also treatment. The company will take care of premium amount and all.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 11, 2018
    • Bajaj Allianz Health Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've a health insurance policy with the Bajaj Allianz. Their service is very good. I have raised almost three claims and the processed those claims with out any delays. Everything was smooth and hassle free. I am really impressed with their services.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 11, 2018
    • ICICI Lombard Health Insurance
      "Good Service"
      0.5 3.5/5 "Pretty good"
      I've a health insurance policy from the ICICI Lombard which is provided by the Company. The company is paying the premium. It covers almost all treatments, I do not have any claim experience with the policy. I'll have to wait and see how they respond to my claim in case if I'll have any.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 11, 2018
    • HDFC Ergo Health Insurance
      "Best policy"
      0.5 4.5/5 "Excellent!"
      I have my health insured with HDFC ERGO from last 3.5 years, i am happy with the coverage value of this insurance policy. I have not claimed anything so far from this insurance policy. I paid a premium of Rs 10000 for 2 years and the coverage value is Rs 10 lakhs for this insurance.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 11, 2018
    • Bajaj Allianz Health Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I've been using the Health insurance policy from Bajaj Allianz for a while now. The Experience is good, don't have any claim experience. I pay a premium of 8000 Per year. I never had any claim experience with the policy so far. When considering the features it is a good policy to have.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 10, 2018
    • Star Health Health Insurance
      "Average Policy"
      0.5 3.0/5 "Satisfactory"
      I have my health insured with Star health from last 2 years, i am not aware of the premium amount as my company pays it. It is a family health policy and the coverage value is Rs 4-5 lakhs. My claim experience was not up to the mark as they covered only 80% and it was a cashless treatment.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 10, 2018
    • National Insurance Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with National insurance from last 7 months, i am happy with the coverage value of this insurance policy. I have not claimed anything so far from this insurance policy. This is a family health policy and the coverage value is Rs 2 lakhs for this policy.
      Was this review helpful? 0
      , guwahati
      Reviewed on Jul 09, 2018
    • Bajaj Allianz Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with Bajaj Allianz from last 3 years and it is a good policy to use. I paid an one time payment for Rs 6000 for this insurance policy. I have not claimed anything so far from this insurance policy and i have a coverage value of Rs 1 lakh for this insurance.
      Was this review helpful? 0
      , ratlam
      Reviewed on Jul 06, 2018
    • Star Health Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I hold a health insurance with Star health from last 7 years, i am not aware of the premium amount as my company pays it. It is a family health policy where the coverage value is Rs 3 lakhs. I have not claimed anything so far from this insurance policy.
      Was this review helpful? 0
      , kochi
      Reviewed on Jul 05, 2018
    • HDFC Ergo Health Insurance
      "Very Good health insurance policy"
      0.5 5.0/5 "Blown Away!"
      I have not used the claim for the policy. The benefits is excellent with HDFC Ergo. I can claim the policy upto 3 lakhs if its exhausted i can avail more than 6 lakhs. I used to pay the premium of Rs. 3500 per years. The cashless treatment is available and its a ax benefitable policy. I have already recommended many of my friends
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 05, 2018
    • ICICI Lombard Health Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I've been using the ICICI Lombard health insurance policy for a while. This policy is for me and my mother. I never had any claim experience with the policy. Overall I never faced any issues with their services. I'll have to wait and see how they respond to my claims in future.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 04, 2018
    • New India Health Insurance
      "Good health insurance policy"
      0.5 5.0/5 "Blown Away!"
      I never called the customer care service of New India insurance people. I have a claim experience twice. It is easy to claim by using the New India. I can claim upto 1 lakhs since the coverage amount for the same. I have taken this insurance for my family also. I can avail a cashless treatment. They covered everywhere means most of the hospitals in the city. I used to pay the premium of Rs. 22000 per year.
      Was this review helpful? 0
      , chennai
      Reviewed on Jul 02, 2018
    • Apollo Munich Health Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've a health insurance policy from the Appollo Munich. I pay a premium of 1500 per year for a coverage of 3 lacs. This policy is only for me. On one occasion they given me 50% amount for a medical test. Overall it has been a good experience with their services.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 02, 2018
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