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Aditya Birla Active Health Plans

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.

 4.5 / 5.0   by 6239 users
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Aditya Birla Active Health Plans Reviews

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  • HDFC Ergo Health Insurance
    "It's Excellent interms of claims but transparency needed for"
    0.5 3.0/5 "Satisfactory"
    HDFC has sold me a health insurance policy and they said after 3 years it covers maternity. But when I enquire they said its not covered in the policy and this feature is only applicable in Gold policy other than this no issues with HDFC for last 12 years. I did not have proof for this so suggest them it does not happen to any customer in future. I quite this policy from HDFC ERGO and its been one year. I took claims, it was fine. The medical coverage was satisfactory.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jul 20, 2019
  • United India
    United India Health Insurance
    "Medical cover should be increased"
    0.5 4.0/5 "Great!"
    My company gave me the medical card of United India, they gave me the mediclaim value of Rs. 2 lakhs its not sufficient when I am trying to enhanced the sum assured. My employer said to pay 10% of money from my end hence I dropped it, I think the insurer is providing cover for all the disease.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jul 20, 2019
  • review Health Insurance
    "So far its good"
    0.5 5.0/5 "Blown Away!"
    My company has provided me a health insurance with Iffco Tokio and its been 2 years. They are deducting monthly 2000 rupees from my salary. There is no claims applicable. The policy coverage is 6L for family members. They are covered with all type of major hospitals.
    Was this review helpful? 1
    , hyderabad
    Reviewed on Jul 20, 2019
  • ICICI Lombard Health Insurance
    "Good claim ratio with ICICI lombard"
    0.5 5.0/5 "Blown Away!"
    The service is faster and the claim settlement ratio is good. I have mediclaim value of Rs. 5 lakhs its covers my spouse and children, they don't have critical illness in the corporate policy. They got tied up with many hospitals in my area.
    Was this review helpful? 0
    , ghaziabad
    Reviewed on Jul 19, 2019
  • Oriental Insurance Health Insurance
    "Good for health"
    0.5 5.0/5 "Blown Away!"
    My company gave me the mediclaim of Rs. 50 lakhs its covers for my entire family around three members. They got tie up with many hospital, there was no additional value added but they are good in customer service. But I don't have any claim so far.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jul 18, 2019
  • HDFC Ergo Health Insurance
    "Good insurer"
    0.5 4.0/5 "Great!"
    I have taken a health insurance in HDFC ERGO on 2 years before. The policy is for yearly renewable.I am paying premium amount of 3 thousands in the half yearly package. While getting a policy my agent has given an information about the policy details. I use to do payments through an online. Tied up with many hospitals.
    Was this review helpful? 1
    , hyderabad
    Reviewed on Jul 17, 2019
  • Religare Health Insurance
    "Good insurer"
    0.5 4.0/5 "Great!"
    I have taken a health insurance in RELIGARE HEALTH on 2 months before. I am paying premium in the monthly package. While getting a policy my agent has given an information about the policy details. I use to do payments through an online.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jul 17, 2019
  • Royal Sundaram Health Insurance
    "Good insurer"
    0.5 4.0/5 "Great!"
    I have taken a health insurance in ROYAL SUNDARAM on last month only. I am paying premium in the monthly package. While getting a policy my agent has given an information about the policy details. They have tied up with particular hospitals only. I use to do payments through an online.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jul 17, 2019
  • Star Health Health Insurance
    "Good health insurance"
    0.5 5.0/5 "Blown Away!"
    5 years back, i have started taking the health insurance from Star health insurance. They are providing some discounts also but i did not get any claim till now. Its because of the best services an the premium is less hence i have purchased the policy with them. My entire family has been covered in this policy. I don't have any claim experience.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jul 16, 2019
  • HDFC Ergo Health Insurance
    "Not recommendable policy"
    0.5 3.0/5 "Satisfactory"
    I have chosen the health insurance from HDFC Ergo without any reason. I have been using the policy for a long time but they haven't provide the no claim bonus till now. They have provided me a coverage value of Rs. 7 lakhs and the executive come to my place to renew the policy. I do not have any claim bonus.
    Was this review helpful? 0
    , chennai
    Reviewed on Jul 16, 2019
  • United India Health Insurance
    "Good 100% claim policy"
    0.5 5.0/5 "Blown Away!"
    My employer has provided me a health insurance policy from United India. Myself and my entire family has been covered in this policy with a coverage value of Rs. 10 lakhs for each person. I had a claim experience which was very fast and smooth. It was cashless facility covered for 100%. Overall, I'm very much satisfied with the policy.
    Was this review helpful? 0
    , greater noida
    Reviewed on Jul 15, 2019
  • Max Bupa Health Insurance
    "Need to decrease premium amount"
    0.5 5.0/5 "Blown Away!"
    I have taken a health insurance in MAX BUPA. The policy is for one year but it will getting renew on every year. I am paying premium in the yearly package and the amount is too high. While getting a policy my agent has given an information about the policy details. They have tied up with particular hospitals only and cashless also applicable.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jul 15, 2019
  • Star Health Health Insurance
    "AVERAGE"
    0.5 3.5/5 "Pretty good"
    I am using from last few years the health insurance policy, i had a claim but the settlement was done for 70% within 3-4days. The coverage is for family, premium paying was nominal, medical coverage is for 4L, illness, pre existing disease coverage is available with the policy.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jul 14, 2019
  • Star Health Health Insurance
    "GOOD"
    0.5 5.0/5 "Blown Away!"
    I had a claim for 2 time and the experience was excellent, it was a reimbursement and cashless once also the customer support is good, i am using from last 10 years. It has the pre existing disease coverage and illness is there, listed hospital is good, premium was nominal, medical coverage is was 10L for family coverage.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jul 13, 2019
  • Oriental Insurance Health Insurance
    "No claim experince"
    0.5 4.0/5 "Great!"
    The benefits are good hence i opted for the oriental insurance. I have chosen the lower premium policy which has a coverage of Rs. 2 lakhs. I have chosen the policy only for me. Almost most of the hospitals has been covered with the cashless facility.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jul 13, 2019
  • Religare Health Insurance
    "Yet to explore the policy benefits"
    0.5 3.5/5 "Pretty good"
    My employer has given me a health insurance policy from Religare and they have provided me a coverage amount of Rs. 5 lakhs. Myself, my wife and my children are covered in this policy. Still now i haven't get my policy documents. They have a cashless facility with some of the hospital as well.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jul 13, 2019
  • Religare Health Insurance
    "GOOD"
    0.5 4.0/5 "Great!"
    I am using the policy from last 1year, i had a claim experience it was good and responsive with the customer support. The premium paid was nominal which was 46K+60K it gives the coverage for family and the medical coverage is for 5L for each, the listed hospital is nominal.
    Was this review helpful? 0
    , pune
    Reviewed on Jul 13, 2019
  • review Health Insurance
    "GOOD"
    0.5 3.0/5 "Satisfactory"
    I have used the heath insurance policy with IFFCO TOKIO GENERAL INSURANCE where i had claim experience but the settlement it takes nearly 3 months with the policy. It gives the coverage for my parents but the policy i am not satisfied.
    Was this review helpful? 0
    , pune
    Reviewed on Jul 13, 2019
  • review Health Insurance
    "GOOD"
    0.5 5.0/5 "Blown Away!"
    The reason for taking the health insurance policy with ADITYA BIRLA HEALTH INSURANCE CO LTD is because it is good when compared to others. the policy i am using from last 6 months and it has the validity of 1 year, it gives the self and spouse coverage.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jul 12, 2019
  • Max Bupa Health Insurance
    "GOOD"
    0.5 5.0/5 "Blown Away!"
    I have taken the health insurance policy with MAX BUPA where i had no claim experience with the policy added on that the policy has the premium as nominal has the good medical coverage. The i have been using from last 6 months and the coverage is for 2 years.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jul 12, 2019
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