Aditya Birla Activ Fit Plan

Plan Highlights

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      About Aditya Birla Activ Fit Plan

      The Aditya Birla Activ Fit plan has been specially designed to provide medical coverage to young adults who lead an active and fit lifestyle. The plan rewards people for staying fit and offers coverage for hospitalization, maternity expenses, ambulance services and treatments taken at home. Moreover, the plan also comes with attractive benefits, such as the binge refill benefit from day 1, health check-up program, EMI protection, premium waiver, etc.

      Eligibility
      Adult minimum entry age
      18 years
      Adult maximum entry age
      45 years
      Renewability
      Lifelong
      Child minimum entry age
      91 days
      Child maximum entry age
      25 years
      Get more details ›
      Get more details ›

      Aditya Birla Activ Fit Plan: Key Highlights

      Categories Specifications
      Sum Insured ₹5 lakh to 1 crore
      Pre-Policy Medical Check-ups May be required
      Pre-existing Diseases Waiting Period 3 years
      Discounts 10% good health discount
      Up to 10% early bird discount
      Up to 10% family discount
      10% direct purchase discount
      2.5% standing instruction discount
      Up to 10% long term discount
      10% online intermediary discount
      Check premium ›

      Activ Fit Preferred Features

      What we love
      100% issuance offer guarantee, ensuring hassle-free approval
      Unlimited Restoration of CoverKnow more ›
      Discount on Early EntryKnow more ›
      Maternity coverKnow more ›
      Coverage
      Room rent limit
      Any category
      Restoration of cover
      Rs 10 lakh unlimited times a year; for related and unrelated illness
      Renewal Bonus
      Rs 1 lakh per year and up to maximum of additional Rs 10 lakh for every claim free year
      Co-pay
      100% paid by the insurer
      Pre-hospitalization coverage
      90 days
      Post-hospitalization coverage
      180 days
      Day care treatment
      All day care treatments are valid. Get covered even with just 2 hours of hospitalization—no need to meet the 24-hour minimum requirement
      Hospitalization at home
      Up to Rs 10 lakh
      Ambulance charges
      Up to actual expenses in network hospitals and up to Rs 3,000 for non-network hospitals
      Cashless hospitals
      13856 cashless hospitals in India
      Check in your city
      Hospitals that have a direct tie-up with the insurance company, where insured can avail cashless treatment. Larger the network in your area, better it is.
      Value Added Services
      Mid year member addition
      Not Allowed
      Free health checkup
      Once every year during the policy year
      E-consultation
      Available as on optional cover
      Discount on Renewal
      Up to 50% discount on renewal basis of health assesment & active days
      Daily cash allowance
      Rs 800 per day for shared accommodation (Max up to Rs 4,800 per event)
      Out patient consultation benefits
      Available as on optional cover
      Waiting periods
      Existing Illness cover
      3 years
      Initial Waiting Period
      30 days; except claims arising due to an accident, provided the same are covered. This is standard in the industry across all insurance policies
      Specific Illness cover
      24 months; for slow growing diseases like knee replacement, hernia, cataract etc. See full list of diseases mentioned in policy wordings
      Additional Features
      Alternate medicine (AYUSH)
      Up to Rs 10 lakh
      Worldwide coverage
      Not available in this plan
      Consumables Coverage
      Available as an optional cover
      Domestic evacuation
      Emergency medical evacuation and medical repatriation within India
      Cover for organ donor
      Up to Rs 10 lakh
      Animal bite vaccination
      Not available in this plan
      Maternity Benefit(s)
      Maternity cover
      Up to Rs 40,000 for normal delivery and up to Rs 60,000 for C-section after a 3-year waiting period
      New Born Baby cover
      A newborn baby is covered up to Rs 60,000 from the date of delivery until 90 days without any extra premium
      Baby Addition to Policy
      Not Available with this plan
      Pre and Post Natal benefit
      Covered up to Rs 60,000
      Download policy documents
      We have summed up the plan for you but if you are still curious read all the fine prints here
      Other Docs
      Brochure
      Policy Wordings
      One Pager
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      Prospectus
      Brochure
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      Network list
      Disclaimer: The plan features detailed are for a ₹10 Lakh cover. Not all features may be applicable to your specific profile.
      Buy now ›

      Search Activ Fit Preferred Cashless Network Hospital list

        or select from popular citiess

        Key Benefits of Aditya Birla Activ Fit Plan

        Unlimited Binge Refill from Day 1
        Unlimited Binge Refill from Day 1
        With this benefit, the sum insured amount can be 100% refilled for unlimited times in a policy year in case the original sum insured has been exhausted or is insufficient to cover a claim.
        Good Health Discount
        Good Health Discount
        One of the highlights of this plan is that the policyholder can save a flat 10% on the first premium amount if he/she is found to be in good health condition.
        Value Added Services
        Early Bird Discount
        The policyholder gets an early bird discount from the 4th policy renewal if he/she was less than 35 years old at the time of buying the policy.
        Free Annual Health Check Up Facility
        Free Annual Health Check Up Facility
        Policyholders can avail preventive health check-up facilities every year with this plan, irrespective of raising a claim in the previous year.
        Health Returns
        Health Returns
        If the insured stays active for 275 days in a year, he/she can earn up to 50% of their premium amount back with the Health Returns benefit.
        Value Added Benefits
        Value Added Benefits
        This Aditya Birla health insurance plan also comes with multiple value-added benefits, including health assessment and mental health assessment programs, to keep a check on the health condition of a person.
        No Claim Bonus
        No Claim Bonus
        With this benefit, the policyholder becomes eligible to earn a No Claim Bonus (NCB) of 10% for a maximum of 100% for every claim-free year.
        Tax Benefits
        Tax Benefits
        The premium paid to buy an Aditya Birla Activ Fit plan can also be claimed for tax deductions under Section 80D, Income Tax Act, 1961.
        View more benefits
        Get covered today ›

        Aditya Birla Activ Fit Plan Inclusions, Exclusions & Optional Cover

        1. In-patient Hospitalization
          It covers the cost of hospitalization taken for at least 24 hours, including the ICU stay.
        2. Modern Treatment
          It pays for the cost of availing treatment through 12 modern procedures, including oral chemotherapy, balloon sinuplasty, etc.
        3. HIV/ AIDS and STD
          It covers the medical expenses incurred on the treatment of HIV/AIDS and STD or sexually transmitted diseases.
        4. Mental Care Cover
          It pays for in-patient hospitalization expenses incurred on the treatment of mental illnesses, including anxiety, stress, depression, etc.
        5. Day Care Treatment
          It covers the cost of day care procedures and surgeries that require hospitalization of less than 24 hours.
        6. Daily Cash Benefit
          It pays a cash allowance to the insured for each day of hospitalization ranging from Rs 800 per day to Rs 1000 per day, depending on the sum insured amount.
        7. Pre-hospitalization Medical Expenses
          It covers the medical expenses incurred for up to 90 days before getting hospitalized.
        8. Post-hospitalization Medical Expenses
          It pays for the medical expenses incurred for up to 180 days after getting discharged from the hospital.
        9. Domiciliary Hospitalization
          It covers the cost of hospitalization at home taken under the advice of a doctor for at least 3 days in case shifting to a hospital is not possible.
        10. Home Treatment
          It pays for the medical expenses incurred on treatments taken at home on the recommendation of a doctor.
        11. Road Ambulance Cover
          It covers the cost of road ambulance services availed to transport the insured to the nearest hospital.
        12. Organ Donor Expenses
          It pays for the cost of harvesting the organ of a donor for the organ transplant surgery of the insured.
        13. AYUSH Cover
          It covers the in-patient hospitalization expenses incurred by the insured at an AYUSH hospital or day care centre.
        14. Maternity Expenses
          It pays for the medical expenses incurred by the insured women during pregnancy, including the cost of both normal and C-section deliveries.
        15. Newborn Baby Expenses
          It covers in-patient expenses incurred on the treatment of the newborn baby for up to 90 days from the delivery date.
        16. Vaccination Expenses
          It pays for the cost of vaccination of a newborn baby for up to 2 years from the delivery date.
        17. Stem Cell Preservation
          It covers the medical expenses incurred on harvesting and storing the stem cells of the newborn baby.
        18. Domestic Emergency Assistance Services
          It pays for the cost of availing emergency medical evacuation and medical repatriation within the country.
        View more Inclusions
        1. Obesity Treatments
          It excludes surgeries for obesity or weight management if not specified by the doctor.
        2. Cosmetic or Plastic Surgery
          It does not cover costs for cosmetic procedures done solely for beautification purposes.
        3. Adventure or Hazardous Sports
          It does not pay for medical expenses to treat injuries from adventure sports like rafting, rock climbing, etc.
        4. Treatment for Alcoholism
          It excludes treatments for alcoholism, drugs or other addictive substances and consequences thereof.
        5. Sterility and Infertility
          It does not pay for sterilization and assisted reproductive treatments like IVF, GIFT, etc.
        6. Suicide or Self-inflicted Injury
          It does not cover medical costs associated with attempted suicide or intentional self-injury.
        7. External Congenital Anomalies
          It excludes treatments for removing birth defects or physical abnormalities present from the start.
        8. Treatment Taken Outside India
          It does not cover medical expenses for treatments taken outside the country.
        View more Exclusions
        1. Super NCB
          It enables the insured to earn a No Claim Bonus (NCB) of 50% for a maximum of 100% for every claim-free year.
        2. Travel Protect
          It pays a fixed amount to the insured in case he/she suffers from loss or delay in check-in baggage, trip cancellation & interruption, trip delay or missed flight connection while travelling through a common carrier within India.
        3. Premium Waiver
          It waives off the premium for 1 year in case the insured is diagnosed with 20 listed critical illnesses for the first time or meets with an accident leading to permanent total disability.
        4. EMI Protection
          It pays the EMI of the insured in case he/she is admitted to a hospital for more than 6 consecutive days.
        5. Reduction in Maternity Waiting
          It reduces the waiting period to avail the maternity cover from 36 months to 24 months.
        6. Non-Medical Expense Waiver
          It pays for the non-medical expenses incurred by the insured while being hospitalized that are generally not covered under health insurance.
        7. OPD Expense
          It covers the medical expenses incurred on physical outpatient consultations and teleconsultations taken from a doctor unlimited times in a policy year.
        View more Optional Covers
        Insure now ›

        Aditya Birla Activ Fit Plan Waiting Periods

        Categories Waiting Period
        Pre-existing Diseases Waiting Period 3 years
        Specific Diseases Waiting Period 2 years/ 4 years
        Initial Waiting Period 30 days
        Maternity Expenses Waiting Period 3 years
        Check premium ›

        Policybazaar Exclusive Benefits
        • On ground claims support##(In 120+ cities)
        • Relationship manager For every customer
        • 24*7 claims assistance In 30 mins. guaranteed*
        • Instant policy issuance No medical tests~
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        ₹1000 Cr worth of claims assisted in 2022-2023
        How we helped our customers

        Policybazaar Claim Process

        Step 1
        Step 1

        In case of emergency we are just a call away.

        • Inform your Dedicated Relationship Manager
        • Or, Call us on the 24x7 toll-free helpline 1800-258-5881
        Step 2
        Step 2

        Take care of your family, we will do the rest.

        Our claim specialists will reach your location & complete the formalties from filing the claim to documentation to coordinating with insurer, TPA & hospital.

        Available in New Delhi and 114+ cities

        View cities list ›

        If you are not a Policybazaar customer you can view Aditya Birla claim process here 👇
        Aditya Birla
        View claim process ›

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        Aditya Birla Activ Fit Plan: FAQs

        Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
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        Aditya Birla claim process

        Aditya Birla offers two types of claim settlements – cashless and reimbursement. Follow the steps to raise a claim:

        1
        Step 1: Find network hospital
        • Find the nearest network hospital of Aditya Birla
        • Get admitted to the hospital
        2
        Step 2: Inform Aditya Birla
        • Notify the insurance company about the hospitalization
        • In case of pre-planned hospitalization, intimate the insurer before hospital admission.
        3
        Step 3: Get Pre-authorization
        • Fill up the pre-authorization form and submit it to the hospital staff
        • The pre-authorization form will be sent to Aditya Birla for approval.
        • Once approved, obtain medical treatment.
        4
        Step 4: Hospital Discharge
        • At the time of discharge, sign all the medical documents.
        • Pay for the items/services not covered under the Aditya Birla policy
        5
        Step 5: Claim settlement
        • The network hospital will send the hospital bill to Aditya Birla.
        • After review, the insurance company will pay the bill amount directly to the network hospital.
        1
        Step 1: Get Hospitalized
        Get admitted to a non-network hospital of the insurance provider
        2
        Step 2: Intimate the Insurance Company
        • Inform the insurance company about the hospitalization
        • In case of planned hospitalization, notify the insurer before hospital admission.
        • Receive medical treatment
        3
        Step 3: Hospital Discharge
        • At the time of discharge, pay the entire hospital bill in full.
        • Collect all the medical documents, bills and payment receipts
        4
        Step 4: Submit Documents
        Send all the required documents to the insurance company
        5
        Step 5: Settlement of Claim
        The insurance company will review the documents and pay the claim amount.
        Policybazaar 30 mins Claim Support

        Our Claim specialists in below cities will reach your hospital or home in 30 minutes to support your health insurance claim

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        *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

        *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

        *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

        **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws.

        *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

        *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

        *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

        *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

        *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

        *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

        *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

        *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

        *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

        *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

        *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

        *The scope of coverage may vary from plan to plan.

        ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

        ##On ground claim assistance is available in 114 cities

        Tax Benefits are subject to changes in tax laws. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

        STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

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