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Aditya Birla Capital Health Insurance Review: Programs to Improve Your Health

Aditya Birla Capital offers multiple health insurance plans for individuals, families and senior citizens. They offer programs that reward health improvements and help manage chronic pain, health coaches to help you reach your goals, and the highest sum insured amount on the market.

Aditya Birla Capital Health Insurance Review: Programs to Improve Your Health

Aditya Birla Capital offers multiple health insurance plans for individuals, families and senior citizens. They offer programs that reward health improvements and help manage chronic pain, health coaches to help you reach your goals, and the highest sum insured amount on the market.

Editor's Rating


Good for

  • Senior citizens with chronic pain or illness
  • Active and healthy individuals

Bad for

  • Those who require routine diagnostic procedures
  • Consumers in need of rehabilitation services

Aditya Birla Capital has many health insurance plans to choose from; some which are great fits for families, some which are strong individual policies, and others that cater to senior citizens. The company has some of the cheapest plans on the Indian medical insurance market, like their Activ Assure Plans, but also offers the highest sum insured amount of any policy from any insurer in our study.

The most unique aspect of Aditya Birla's health insurance plans are the additional programs that policyholders have the ability to opt in to, like the Multiply wellness plan which rewards you for getting healthy. For seniors, Aditya Birla offers chronic pain treatment and health coaches; for expectant mothers, they offer plans that provide maternity coverage, and for those who need frequent medical attention, Aditya Birla allows you to reload your maximum sum insured amount if you've reached your limit before the end of the year.

Summary of Aditya Birla Capital Health Insurance
Activ Assure Diamond plan starts 8% cheaper than market average.
Multiple plans suited for the needs of individuals, families or senior citizens.
Aditya Birla's list of cashless hospitals has over 7,000 to choose from.

Aditya Birla Capital Health Insurance Plan Benefits and Exclusions

Aditya Birla Capital offers numerous different individual and family health plans to choose from, some of which are perfectly suited for senior citizens. Their most affordable policy, compared to the market average cost, is the Activ Assure Diamond plan, which starts 8% cheaper than the average similar medical insurance policy in India.

Annual Premium Prices Senior Citizen Health Insurance in India
Annual Premium Prices Senior Citizen Health Insurance in India

The Activ Assure Diamond plan is offered to both individuals and families, and is best suited for senior citizens thanks to its popular coverage options. Domiciliary expenses are fully covered, so seniors can receive medical treatment from the comfort of their own home, and Aditya Birla provides health coaches to assist with concerning medical issues such as high cholesterol or blood pressure.

This plan also uniquely allows policyholders to reload their maximum sum insured amount up to 150% if they reach their annual limit before the end of the year term. Annual health check-ups are covered, and over 500 different procedures are permitted by Aditya Birla's day care treatment benefit. A daily cash allowance of up to Rs. 500 is offered for a maximum of five days in the hospital, organ donor expenses are covered whether you're giving or receiving, and policyholders are given the option to seek a second medical opinion on a critical illness diagnosis or opt for Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy (AYUSH) treatment.

Additionally, policyholders can join Aditya Birla's Chronic Management Program, which is particularly beneficial for seniors in India. This program provides coverage for your chronic illness starting on the first day your new policy is active. If you develop a chronic illness after you've already begun your medical insurance plan through Aditya Birla, you'll have the option of upgrading and including the Chronic Management Program in your scope of coverage.

Aditya Birla also offers a wellness program called Multiply, which rewards you for improving your health and provides discounts along the way to help you do so. There are two packages for consumers to choose from - Multiply Fit and Multiply Flagship - both of which provide cheap gym memberships, rewards from top brands in India, and access to online medical consultations.

Multiply FitMultiply Flagship
Annual Cost₹1,299₹5,900
Annual Savings₹34,000₹70,000
Monthly Gym Visits612
Online doctor consultationUnlimitedUnlimited
Online specialist consultationUnlimitedUnlimited
Online nutrition consultationUnlimitedUnlimited
Wearable fitness deviceN/A₹4,800 back
Amazon reward discount12.5%15%
Amazon Pantry reward discount12.5%15%
Idea Cellular0%10%
PVR Cinemas25%40%
Naturals Salon20%25%

Aditya Birla offers a few other plans as well, including their Activ Health plans. Their Activ Health Essential plan is the base policy, which provides a maximum sum insured of up to Rs. 10 lakhs, while their Active Health Enhanced policy provides extra features like worldwide emergency services and a maximum sum insured amount of up to Rs. 2 crores, the highest of any plan from any insurer in our study.

The company provides group policy options, such as their Group Activ Health and Group Activ Secure plans, as well as their Activ Care plan, which is strictly for members 55 and older and includes many senior-specific features, but with a lower scope of coverage than the Activ Assure Diamond plan. Finally, Aditya Birla's Activ Secure add-ons are some of the best on the market and can be added to plans that don't already include them in their standard scope of coverage. The list of available coverages includes:

  • Personal accident coverage
  • Critical illness coverage
  • Hospital cash
  • Cancer secure
  • Global health secure

Cancer secure is the most beneficial on this list, as it pays out 50% of your sum insured for early stage cancer, 100% for major stage, up to 150% for advanced stage and provides a wellness coach to help you reclaim optimal health. The most unique item offered by Aditya Birla, a feature available from fewer than half of the insurers we analyse, is global health secure, which provides emergency assistance for policyholders even if they are outside India and need immediate medical attention.

Aditya Birla provides their customers with a network hospital list of over 7,000 cashless options, nearly 1,000 more than average, so you can be confident that you'll find a treatment facility in a convenient location in case of an emergency.

Aditya Birla Capital Health InsuranceMarket Average
Claim Settlement Rate94%91%
Network Hospitals7,0006,186
Market Share1.75%3.13%
PolicyBazaar Reviews4.7 (11 reviews)4.1 (49 reviews)

One of the few drawbacks of Aditya Birla Capital health insurance is their suboptimal incurred claims ratio (ICR). The optimal range for a medical insurer in India is 75-90%, indicating a strong ability to settle claims against annual premium collection. Aditya Birla's ICR is a weak 59%, over 15% below the minimum threshold for a healthy insurance company. Despite a strong 94% claim settlement rate, such a low ICR indicates that although claims are settled in a timely manner, there may be some obstacles to overcome along the way.

There are also a few exclusions to be aware of before purchasing one of Aditya Birla's health insurance plans. Their plans do not cover:

  • Hospitalisation due to hazardous activities
  • Auto-immune disorders
  • Mental or neurological ailments
  • Hereditary diseases or genetic disorders
  • Rehabilitation expenses
  • Routine diagnostic procedures
  • Laser treatment

Policy Annual Premium Costs

With Aditya Birla, policyholders gain the ability to reload their maximum sum insured amount to 150%, which is one of the strongest qualities the company has to offer. But, with so many different policy options and variables depending on your age and maximum sum insured amount, it can be difficult to find the right plan to not only fit your needs, but fit your budget as well.

Maximum Sum Insured Indian Health Insurers
Maximum Sum Insured Indian Health Insurers

Aditya Birla's most attractive plan is the Activ Assure Diamond plan, which provides important benefits for seniors and younger policyholders alike and starts 8% cheaper than the national average in India. This plan offers a wide range of sum insured amounts, from Rs. 4,00,000 to Rs. 2,00,00,000.

AgeSum Insured RangeAnnual Premium Range
25₹4,00,000 - ₹2,00,00,000₹4,400 - ₹26,664
35₹4,00,000 - ₹2,00,00,000₹4,400 - ₹26,664
45₹5,00,000 - ₹1,00,00,000₹5,927 - ₹36,648
55₹4,00,000 - ₹2,00,00,000₹10,143 - ₹70,791
65₹4,00,000 - ₹2,00,00,000₹15,621 - ₹106,196

Aditya Birla's other plans are slightly more expensive than the Diamond plan, with annual premiums starting 4% more expensive and ranging up to 28% more expensive than the Activ Assure Diamond policy.

Claim Submission and Settlement Process

Aditya Birla Captial has one of the easiest to understand claim submission and settlement processes among the insurers in our study. They offer two methods - a cashless method and a reimbursement method.

The cashless settlement method is the simpler of the two methods. Most importantly, the cashless method can only be used at a network hospital. The only action policyholders need to take is providing their insurance ID card and policy number to the hospital's insurance agent or desk; they do not need to initiate or submit the claim. From there, the hospital will submit the claim and all corresponding documentation to Aditya Birla, and the insurer will evaluate the claim within two hours and send an email or SMS to you to confirm submission. The claim will not be fully processed or settled until all the procedures and formalities are met.

The reimbursement method is more reliant on the policyholder, but is still a simple process. Using this method, the policyholder, not the hospital, is responsible for initiating all claims. Claim submission can be done online, over the phone, or by email, but must be completed within 15 days of discharge from the medical facility. Once a claim is successfully submitted, Aditya Birla will review and if approved, will reimburse you for the covered expenses. There is no timeframe provided for the reimbursement method like there is for the cashless method.

Regardless if you choose to settle your claim via cashless or reimbursement, you can check the status of your claim anytime on Aditya Birla's website. Also on their website, you'll not only find a list of network hospitals, you'll find a list of network doctors as well.

How to Apply or Renew

To apply for any of Aditya Birla's medical insurance plans, navigate to their website, choose the plan that suits your needs and budget best, and fill out all required and personal information. Aditya Birla makes this process simple and convenient online, and customer reviews cite how quickly they were able to complete the process and get approved for a new health insurance policy.

For those who are already members of Aditya Birla Capital, the renewal process is even simpler than the initial application process. Navigate to Aditya Birla's website and choose their quick renew option, enter your current plan information, and walk through the step-by-step renewal process in just a few minutes. Since renewal isn't instant, Aditya Birla allows you to check the status of your renewal, and contact their agents if there are any issues.

Mike Wagenman

Mike Wagenman is a Senior Research Analyst at ValueChampion India, specializing in insurance. He holds a Bachelor of Arts degree in Communication and Business from Rider University, and his prior work experience includes data, revenue, and business analysis in the international travel and technology markets. Mike has worked with clients around the world to help identify financial value and find the most optimal way to achieve success.