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 6543 users
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Aditya Birla Active Health Plans Reviews

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  • Star Health Health Insurance
    "Good policy "
    0.5 3.0/5 "Satisfactory"
    I taken a health insurance from STAR HEALTH on last 6 months back which was taken via online. It covers my whole family of 3 members for the total amount of 5. The premium amount need to pay of 12K. The tenure period of 1 year. I have not used this card much. I haven't done any claim yet.
    Was this review helpful? 1
    , bangalore
    Reviewed on Mar 20, 2020
  • Bajaj Allianz
    Bajaj Allianz Health Insurance
    "Good policy "
    0.5 4.0/5 "Great!"
    I have taken a health insurance policy from Bajaj Allianz which was taken for my mother. Policy coverage value was Rs. 1L and the premium its a one time payment, i got a offer because i am maintain CREDIT SCORE good. Still there is a no claim and i paid 3 years back, during renewal time i am not getting any calls from insurance company. This policy covers 200 hospital 30-50% in all hospital can get a claim.
    Was this review helpful? 0
    , bangalore
    Reviewed on Mar 20, 2020
  • Religare Health Insurance
    "Good insurance company "
    0.5 5.0/5 "Blown Away!"
    My personal need I taken health insurance from RELIGARE on 2 years back. Actually my previous company taken health insurance got lapse, hence for better option I continued with same need to pay the premium of 5K. It covers up to myself. The coverage amount of 5L, since there is no claim yet I got bonus of 10% so as of now 5.5L. They tied up with many hospitals and cash less treatment is applicable.
    Was this review helpful? 1
    , bangalore
    Reviewed on Mar 19, 2020
  • Max Bupa Health Insurance
    "Good policy"
    0.5 4.0/5 "Great!"
    This is an individual policy, cover fro myself and this is from Max Bupa. Yearly i am paying premium of Rs. 3000 and the coverage value of Rs. 5L and still there is a no claim. Every year i am getting 5% no claim bonus and this is a life long policy. Its a tax benefit plan for major and listed hospitals can avail a cash less, if non listed have to pay then we can reimburse.
    Was this review helpful? 0
    , chennai
    Reviewed on Mar 19, 2020
  • Royal Sundaram Health Insurance
    "Good insurer"
    0.5 4.0/5 "Great!"
    My employer has given me a health insurance policy from ROYAL SUNDARAM and they have provided me a coverage amount of Rs. 3L. It covers myself and my spouse are covered in this policy.The premium amount need to pay of 7.5K on yearly basis. They have a cashless facility with many hospital.
    Was this review helpful? 0
    , chennai
    Reviewed on Mar 19, 2020
  • Star Health Health Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    I have taken health insurance from STAR HEALTH on last year for my personal use, it covers my whole family of 4 members. The sum average value is 5L. I am renewing the policy by paying the premium amount of 14K on yearly. Many hospitals are tied with them and they provide cashless treatment as well.
    Was this review helpful? 0
    , rajahmundry
    Reviewed on Mar 18, 2020
  • Star Health Health Insurance
    "Average "
    0.5 3.0/5 "Satisfactory"
    For my personal purpose, I have taken a health insurance from TATA AIG on 3 years back. On yearly, I use to renew the policy which I need to pay the premium amount of 20K via online. It covers up to myself. The sum assured amount is 2.4L. They tied up with limited hospitals only and there is no cashless treatment.
    Was this review helpful? 0
    , bangalore
    Reviewed on Mar 18, 2020
  • Oriental Insurance Health Insurance
    "Good policy "
    0.5 5.0/5 "Blown Away!"
    My company provides me a health policy from ORIENTAL insurance and this is a group insurance. Annual premium i am paying Rs. 4840 and still there is no claim and the coverage value is Rs. 2 lakhs. During the renewal time, i use to get reminder call from the support team.
    Was this review helpful? 1
    , kolkata
    Reviewed on Mar 16, 2020
  • review Health Insurance
    "Need online service "
    0.5 5.0/5 "Blown Away!"
    I am paying about Rs. 20k yearly for health insurance to PARAMOUNT. This is group policy and the coverage of Rs. 10L since 5 years i am using this health insurance. I went for a claim which was reimbursed. The main factor is they are asking lots of documents which they need to make it simple.
    Was this review helpful? 0
    , thane
    Reviewed on Mar 15, 2020
  • Bajaj Allianz Health Insurance
    "Okay"
    0.5 4.0/5 "Great!"
    I have received the Bajaj Allianz mediclaim policy from Bajaj Finserv on EMI basis. Cashless facility is available and am paying Rs.640 for a month. This policy is not available in the market. I wish if their executive were more polite and helpful. Its a self policy which covers 5L. Am renewing this policy from last 3years.
    Was this review helpful? 1
    , kochi
    Reviewed on Mar 15, 2020
  • Star Health Health Insurance
    "Good "
    0.5 5.0/5 "Blown Away!"
    Health insurance policy which i have taken from STAR HEALTH and this is a family floater policy. I am using since 4 years still there is no claim and this insurance will cover all types of critical illness. Annually i am paying premium Rs. 13000 and its a Tax benefit policy.
    Was this review helpful? 1
    , bangalore
    Reviewed on Mar 14, 2020
  • ICICI Lombard Health Insurance
    "Good policy"
    0.5 4.0/5 "Great!"
    ICICI offered me a health insurance and this is a group policy which covered for Rs. 4L. This insurance will cover all types of critical illness and day care treatment, still there is no claim with ICICI Lombard. I can avail cashless treatment with the listed hospitals.
    Was this review helpful? 1
    , hyderabad
    Reviewed on Mar 14, 2020
  • United India Health Insurance
    "Best policy "
    0.5 5.0/5 "Blown Away!"
    From United India Insurance, i have taken a health insurance. This is a group insurance and i am paying premium per annum Rs. 4900. This policy covers all critical illness and there is a no age criteria, I can use this policy for life long. It covers Tax benefit under sec 80D also network of hospitals are good.
    Was this review helpful? 0
    , kolkata
    Reviewed on Mar 13, 2020
  • United India Health Insurance
    "Good"
    0.5 4.0/5 "Great!"
    This is a group health policy which was taken through TATA AIG and the coverage value of Rs. 3L. I am paying premium yearly Rs. 6000. Its been one year and still there is no claim and this policy covers day care treatment and this can be used till life long.
    Was this review helpful? 0
    , bangalore
    Reviewed on Mar 13, 2020
  • Apollo Munich Health Insurance
    "OKAY"
    0.5 5.0/5 "Blown Away!"
    From Apollo Munich, i have taken a health insurance and this is a joint policy. The policy coverage value is Rs. 5L for a life long. I am paying the premium yearly Rs. 16k and still there is no claim on this policy. It covers all network of hospitals.
    Was this review helpful? 0
    , indore
    Reviewed on Mar 13, 2020
  • Star Health Health Insurance
    "WORST and WORST"
    0.5 0.5/5 "Unacceptable"
    Star health and Allied insurance cheaters don't go with this policy they are looting people worst and worst there are corporate beggars- frauds ,corporate beggars- frauds ,corporate beggars- frauds ,corporate beggars- frauds ,corporate beggars- frauds
    Was this review helpful? 0
    , bangalore
    Reviewed on Mar 12, 2020
  • Star Health Health Insurance
    "Nice Policy"
    0.5 4.0/5 "Great!"
    From my company side, they have provided me a health insurance from TATA AIG. I can do a cashless treatment facility in a network hospital hence i have fixed the appointment also. This policy covers only for myself. They have given me a coverage value of Rs. 3 lakhs. I don't have any claim experience till now.
    Was this review helpful? 0
    , chennai
    Reviewed on Mar 12, 2020
  • Star Health Health Insurance
    "Good products at affordable right pricing"
    0.5 4.0/5 "Great!"
    I love the way they communicate everything. Inclusions and exclusions were explained in a right way to help me choose right product at right pricing. i got a healthcare for my whole family without burning a hole in my pocket. recommended to all
    Was this review helpful? 0
    , mumbai
    Reviewed on Mar 11, 2020
  • Star Health Health Insurance
    "Good "
    0.5 4.0/5 "Great!"
    My friend has suggested to apply health insurance, so for my personal need I had taken a health insurance from STAR HEALTH on 10 months before. They tied up with many hospitals and it covers all city. There is cash less treatment and the policy includes 4 family members, need to pay the premium amount of 12K on yearly basis.
    Was this review helpful? 1
    , chennai
    Reviewed on Mar 10, 2020
  • review Health Insurance
    "Good"
    0.5 5.0/5 "Blown Away!"
    My health insurance policy is running with Aditya Birla Health Insurance. This is a family floater policy and i am paying premium around Rs. 14k yearly. Still there is no claim and this insurance covers all network of hospitals. This policy has some TAX benefits.
    Was this review helpful? 0
    , lucknow
    Reviewed on Mar 09, 2020
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