InsuranceScope

Insurer

Aditya Birla

Founded 2016

Aditya Birla Health Insurance began operations in 2016 as a joint venture between India's Aditya Birla Capital and South Africa's Momentum Metropolitan Holdings. Part of the large Aditya Birla Group, it is best known for its wellness-linked “Activ” plans, which reward healthy behaviour with health returns and premium benefits.

Aditya Birla claims snapshot

Incurred Claim Ratio

75.97%

Claims paid vs premium collected.

Claims Settled

94.09%

Approved by number of claims.

Settled < 30 Days

99.90%

How quickly claims are paid.

Complaints

0.16%

On overall claims — lower is better.

Plans from Aditya Birla

  1. Aditya Birla

    Activ Fit (Plus)

    ★ 4.6 /5
    • No room-rent cap
    • No co-pay
    • No sub-limit
    Read review →

  2. Aditya Birla

    Activ Fit (Preferred)

    ★ 4.6 /5
    • No room-rent cap
    • No co-pay
    • No sub-limit
    Read review →

  3. Aditya Birla

    Activ Health Platinum (Premiere)

    ★ 4.6 /5
    • No room-rent cap
    • No co-pay
    • No sub-limit
    Read review →

  4. Aditya Birla

    Activ One (MAX)

    ★ 4.6 /5
    • No room-rent cap
    • No co-pay
    • No sub-limit
    Read review →

  5. Aditya Birla

    Activ One (NXT)

    ★ 4.6 /5
    • No room-rent cap
    • No co-pay
    • No sub-limit
    Read review →

  6. Aditya Birla

    Activ One (VIP+)

    ★ 4.6 /5
    • No room-rent cap
    • No co-pay
    • No sub-limit
    Read review →

  7. Aditya Birla

    Activ One (VYTL)

    ★ 4.6 /5
    • No room-rent cap
    • No co-pay
    • No sub-limit
    Read review →

  8. Aditya Birla

    Activ Health Platinum (Enhanced)

    ★ 4.4 /5
    • No co-pay
    • No sub-limit
    • Restoration
    Read review →

  9. Aditya Birla

    Activ One (SAVR)

    ★ 4.4 /5
    • No room-rent cap
    • No co-pay
    • No sub-limit
    Read review →

  10. Aditya Birla

    Activ One (VIP)

    ★ 4.4 /5
    • No room-rent cap
    • No co-pay
    • No sub-limit
    Read review →

  11. Aditya Birla

    Activ One (Economy)

    ★ 4.2 /5
    • No co-pay
    • No sub-limit
    • Restoration
    Read review →

  12. Aditya Birla

    Activ One (Smart)

    ★ 4.1 /5
    • No co-pay
    • No sub-limit
    • Restoration
    Read review →

  13. Aditya Birla

    Activ Care (Premier)

    ★ 3.9 /5
    • Restoration
    • Consumables
    • Modern treatments
    Read review →

Comparing Aditya Birla plans

Once you have a shortlist, put two Aditya Birla plans side by side to see exactly where one leads, answer a few questions in Find My Plan for a ranked match, or run any policy through the buying checklist. Ratings above weigh coverage breadth against Aditya Birla's claims record — always confirm the fine print with the insurer before buying.

Frequently asked questions

How many Aditya Birla health insurance plans are there?

We track 13 Aditya Birla health insurance plans, each reviewed on coverage and the insurer's claims record.

What is Aditya Birla's claim settlement ratio?

Aditya Birla reports a claim settlement ratio of 94.09% by number of claims, with a rejection ratio of 3.98%.

Which Aditya Birla plan scores highest?

Activ Fit (Plus) is the highest-scoring Aditya Birla plan in our data at 4.6/5, based on coverage breadth and claims record.

Does Aditya Birla offer cashless hospitals?

Aditya Birla reports 11,000+ cashless network hospitals where bills can be settled directly.