Health insurer
Aditya Birla Health Insurance Company Limited
Registered standalone Indian health insurer listed in IRDAI's public registered-entity records. Use the official website link for direct verification.
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Reviews0
CSR FY 2024-2595.88%
Latest solvency184%
Latest ICR71.5%Incurred Claims Ratio — claims paid as a share of premium earned. Not a claim-approval measure, and not meaningfully "better" when higher or lower.
Latest complaintsN/A
History & Background
Founded2015
Incorporated in 2015, commenced operations in October 2016, as a 51:49 joint venture between Aditya Birla Capital and South Africa's MMI Holdings — a partnership that continues today.
Claim Settlement Ratio (CSR)Excellent
95.88%FY 2024-25
FY 2022-23
93.35%HIGH
FY 2023-24
95.49%HIGH
FY 2024-25
95.88%MEDIUM
CSR = % of claims actually paid out of total claims filed. Higher is better for policyholders.
Source: IRDAI Annual Report ↗IRDAI Snapshot
| Year | CSR % | Solvency | ICR | Complaints |
|---|---|---|---|---|
| FY 2019-20 | 49.08% | 181% | — | — |
| FY 2020-21 | 49.99% | 182% | 49.99% | — |
| FY 2021-22 | 69.56% | 177% | 69.56% | — |
| FY 2022-23 | 64.68% | 263% | 64.68% | — |
| FY 2023-24 | 68.31% | 167% | 68.31% | — |
Claim Ratio Trend
CSR over the years (IRDAI data)
Claim Settlement Ratio (CSR)
Ideal ≥90%
Customer Reviews
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Health Plans
Aditya Birla Health — Plans
20 plans · Key details from official policy documents.
| Plan Name | Type | Sum Insured | Min Age | Max Age | Renewal | Room Rent | Co-pay | PED Waiting | Initial WP | Maternity WP | Restoration | OPD | Key Features |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Activ Yuva▼Compare this plan → | Health Insurance | Rs.5L / 10L / 15L / 20L / 25L / 50L / 1Cr / Unlimited (discrete tiers, not a continuous range) | 18 years | 65 years | — | — | No co-pay | 12 months | 30 days (Excl03) -- waived for accidental hospitalization; also waived if continuously covered for more than 12 months | 1, 2, or 3 years depending on the Worldwide Yuva Maternity Cover option selected (see coverage.maternity) | ✅ Unlimited | ✓ | ✓✓✓🩺🤱+1 |
Activ Health Platinum Premiere▼Compare this plan → | Health Insurance | ₹10L, 15L, 20L, 25L, 30L, 40L, 50L, 100L, 150L, 200L | 5 years | 65 years | — | — | No co-pay | 36 months | 30 days (not applicable for accidents or subsequent renewal) | Inbuilt cover, no separate waiting period specified | ✅ Unlimited | ✗ | ✓✓✓✓✓+4 |
Activ One VIP+▼Compare this plan → | Health Insurance | ₹50 Lakh / ₹75 Lakh / ₹1 Cr / ₹2 Cr / ₹3 Cr / ₹4 Cr / ₹5 Cr / ₹6 Cr (no lower tiers) | 18 years | No limit | — | Actuals up to Sum Insured (no room-category capping) | No co-pay | 36 months | 30 days (not applicable to accidental hospitalization) | Inbuilt cover, no separate waiting period specified | ✅ Unlimited | ✗ | ✓✓✓🩺🤱+1 |
Activ One MAX▼Compare this plan → | Health Insurance | ₹2 Lakh – ₹6 Crores (17 tiers) | 18 years | No limit | — | Actuals up to Sum Insured (no room-category capping) | No co-pay | 36 months | 30 days (not applicable to accidental hospitalization) | Not covered | ✅ Unlimited | ✗ | ✓✓✓🩺🤱+1 |
Activ One MAX+▼Compare this plan → | Health Insurance | ₹2 Lakh – ₹6 Crores (17 tiers) | 18 years | No limit | — | Actuals up to Sum Insured (no room-category capping) | No co-pay | 36 months | 30 days (not applicable to accidental hospitalization) | Not covered | ✅ Unlimited | ✗ | ✓✓✓🩺🤱+1 |
Activ One NXT▼Compare this plan → | Health Insurance | ₹2 Lakh – ₹6 Crores (17 tiers) | 18 years | No limit | — | Actuals up to Sum Insured (no room-category capping) | No co-pay | 36 months | 30 days (not applicable to accidental hospitalization) | Not covered | ✅ Unlimited | ✗ | ✓✓✓🩺🤱+1 |
Activ One SAVR▼Compare this plan → | Health Insurance | ₹2 Lakh – ₹6 Crores (17 tiers) | 18 years | No limit | — | Actuals up to Sum Insured (no room-category capping) | No co-pay | 36 months | 30 days (not applicable to accidental hospitalization) | Not covered | ✅ Unlimited | ✗ | ✓✓✓🩺🤱+1 |
Activ One VYTL▼Compare this plan → | Health Insurance | ₹2 Lakh – ₹6 Crores (17 tiers) | 18 years | No limit | — | Actuals up to Sum Insured (no room-category capping) | No co-pay | 36 months | 30 days (not applicable to accidental hospitalization) | Not covered | ✅ Unlimited | ✗ | ✓✓✓🩺🤱+1 |
Activ Health Platinum Enhanced▼Compare this plan → | Health Insurance | ₹2L, 3L, 4L, 5L, 6L, 7L, 8L, 9L, 10L, 15L, 20L, 25L, 30L, 40L, 50L, 100L, 150L, 200L | 5 years | No limit | — | — | No co-pay | 36 months | 30 days (not applicable for accidents or subsequent renewal) | Optional cover only, not inbuilt | ✓ | ✓ | ✓✓✓✓✓+4 |
Activ Fit Preferred▼Compare this plan → | Health Insurance | ₹1L, 2L, 3L, 4L, 5L, 7L, 10L, 15L, 20L, 25L, 30L, 40L, 50L, 75L, 1Cr | 5 years | 45 years | — | No limit | No co-pay | 36 months | Not applicable (fitness-linked base product; standard 30-day general wait implied per prospectus) | Covered, over and above base Sum Insured - Normal Delivery ₹40,000, C-Section ₹60,000 | ✅ Unlimited | ✓ | ✓✓✓✓🩺+2 |
Activ Fit Plus▼Compare this plan → | Health Insurance | ₹1L, 2L, 3L, 4L, 5L, 7L, 10L, 15L, 20L, 25L, 30L, 40L, 50L, 75L, 1Cr | 5 years | 45 years | — | No limit | No co-pay | 36 months | Not applicable (fitness-linked base product; standard 30-day general wait implied per prospectus) | Not covered | ✅ Unlimited | ✓ | ✓✓✓✓🩺+2 |
Activ One VIP▼Compare this plan → | Health Insurance | ₹50 Lakh / ₹75 Lakh / ₹1 Cr / ₹2 Cr / ₹3 Cr / ₹4 Cr / ₹5 Cr / ₹6 Cr (no lower tiers) | 18 years | No limit | — | Actuals up to Sum Insured (no room-category capping) | No co-pay | 36 months | 30 days (not applicable to accidental hospitalization) | Inbuilt cover, no separate waiting period specified | ✅ Unlimited | ✗ | ✓✓✓🩺🤱+1 |
Activ Assure Diamond▼Compare this plan → | Health Insurance | ₹2L, 3L, 4L, 5L, 7L, 10L, 15L, 20L, 25L, 30L, 40L, 50L, 75L, 100L, 150L, 200L | 5 years | No limit | — | — | No co-pay | 36 months | 30 days (not applicable for accidents or subsequent renewal) | Not covered | ✓ | ✗ | ✓✓✓🩺🤱+1 |
Activ Assure Silver▼Compare this plan → | Health Insurance | ₹2L, 3L, 4L, 5L, 7L, 10L, 15L, 20L, 25L, 30L, 40L, 50L, 75L, 100L, 150L, 200L | 5 years | No limit | — | — | No co-pay | 36 months | 30 days (not applicable for accidents or subsequent renewal) | Not covered | ✓ | ✗ | ✓✓✓🩺🤱+1 |
Activ Health Gold Enhanced▼Compare this plan → | Health Insurance | ₹2L, 3L, 4L, 5L, 6L, 7L, 8L, 9L, 10L, 15L, 20L, 25L, 30L, 40L, 50L, 100L, 150L, 200L | 5 years | No limit | — | — | No co-pay | 36 months | 30 days (not applicable for accidents or subsequent renewal) | Optional cover only, not inbuilt | ✓ | ✓ | ✓✓✓✓✓+4 |
Activ Care Premier▼Compare this plan → | Health Insurance | ₹5L, 7.5L, 10L, 25L | 55 years | 80 years | — | — | No co-pay | 24 months | 30 days | Not covered | ✓ | ✓ | ✓✓✓✓🩺+2 |
Activ Health Platinum Essential▼Compare this plan → | Health Insurance | ₹50,000, ₹75,000, ₹1L, 2L, 3L, 4L, 5L, 6L, 7L, 8L, 9L, 10L, 15L, 20L, 25L, 30L, 40L, 50L, 100L | 5 years | No limit | — | — | No co-pay | 36 months | 30 days (not applicable for accidents or subsequent renewal) | Not covered | ✓ | ✗ | ✓✓✓✓✓+4 |
Activ Care Classic▼Compare this plan → | Health Insurance | ₹3L, 4L, 5L, 7.5L, 10L | 55 years | 80 years | — | — | No co-pay | 24 months | 30 days | Not covered | ✓ | ✗ | ✓✓✓✓🩺+2 |
Activ Care Standard▼Compare this plan → | Health Insurance | ₹3L, 4L, 5L, 7.5L, 10L | 55 years | 80 years | — | — | No co-pay | 24 months | 30 days | Not covered | ✓ | ✗ | ✓✓✓✓🩺+2 |
Global Health Secure▼Compare this plan → | Health Insurance | ₹300 Lakh (3 Crore) or ₹600 Lakh (6 Crore) | 91 days | 65 years | — | — | No co-pay | 36 months | 30 days (not applicable for accidents or subsequent renewal) | Not covered | ✓ | ✗ | ✓✓🩺🤱✓ |
Reviews
What policyholders are saying
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Contact & Grievance
How to reach or escalate
Customer Support
Toll Free1800-270-7000
WhatsApp+91 8828800035
Registered Office
One World Centre, Tower 1, Jupiter Mills Compound, 841 S B Marg, Mumbai 400013
Grievance Escalation
Grievance Emailcarehead.healthinsurance@adityabirlacapital.com
Grievance Officergro.healthinsurance@adityabirlacapital.com
Senior Citizens & IRDAI
IRDAI Bima Bharosa Portal
For unresolved complaints — approach IRDAI directly. Free & confidential.
bimabharosa.irdai.gov.in ↗Helpline: 155255 / 1800 4254 732