Overview
The Aditya Birla Activ Fit Preferred Plan is a fully loaded health insurance plan designed for individuals and families. It offers unlimited sum insured refills, pre- and post-hospitalization coverage, maternity benefits, mental health care, and coverage for modern treatments. With unique perks like HealthReturns™ for staying active, discounts for young policyholders, and extensive day-care treatment coverage, it’s a comprehensive plan tailored to reward healthy living and provide robust financial protection against medical expenses.
Experts Review
Written by Nikhil Nair
Senior Writer
The Aditya Birla Activ Fit Preferred Plan stands out as a health insurance plan that rewards you for staying fit while offering extensive coverage. The unlimited "Binge Refill" feature is a real highlight as it ensures your sum insured is replenished as many times as needed, which can be a lifesaver for those with recurring or multiple claims.
The plan’s HealthReturns™ program lets you earn back up to 50% of your premium by completing daily fitness goals. It also includes maternity benefits (up to ₹60,000 for C-section and ₹40,000 normal deliveries), mental health care, and advanced treatments like robotic surgeries, which are covered up to the sum insured.
For younger policyholders (below 35), the early bird discount of 10% on premiums is a nice touch, encouraging people to start their health journey early. Additionally, the policy comes with a waiver of premium for 1 year on the first diagnosis of critical illness or an injury due to an accident resulting in the permanent total disablement (available once in the lifetime of the policy).
However, it’s worth noting that some benefits, like HealthReturns™, require consistent effort to unlock their full potential. Additionally, the waiting periods—30 days for general illnesses, 24 months for specific illnesses, and 36 months for pre-existing diseases—should be factored into your decision-making process.
Pros
Offers a wide range of features.
Insurer has a solid track record with great claim and service metrics.
Cons
Premiums are relatively high.
Doctor consultations are not covered, which is a notable gap. Need to opt add-on for doctor consultations.
Aditya Birla
Key Insights
Founded
2016
Aditya Birla was established 9 years ago, making it a relatively new entrant with a developing track record.
Claims Experience
95% claims settled in 30 Days
Aditya Birla settles 95% of all claims it receives demonstrating strong credibility.
Network Hospitals
12,000+
Aditya Birla has a strong network with over 12,000 hospitals, ensuring wide accessibility and convenience for policyholders.
Complaints
22 complaints per 10,000 claims registered
Aditya Birla experiences a moderate number of complaints, indicating room for improvement in addressing customer concerns.
Features
All
Great
Good
Co-payment
The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny. Meaning this policy has no co-payment.
Room Rent
Shared room, single room, deluxe room or any room that’s available. The insurer won’t nitpick on your choice of room since the policy has no restrictions on room rent.
Disease sub-limit
No funny business here. If your insurer hasn’t explicitly stated they won’t cover a certain illness, you can claim the full amount up to the sum insured, irrespective of the disease you’re dealing with. Meaning this policy doesn't impose the dreaded disease wise sub-limits.
Pre existing diseases waiting
If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after you wait for 3 years.
Pre/Post hospitalization
No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount in full for a pretty reasonable duration - 90 days before you are hospitalized and 180 days after discharge. This includes the cost of medication by the way.
Add-ons
Super NCB
Mandatory
Additional bonus of 50% up to a maximum of 100%, with a clawback of 50% if claimed in the previous year.
Consumables Cover
Recommended
Covers list of 68 non-medical items as per list I
OPD Cover
Get coverage for outpatient and e-consultations i.e. doctor visits.
Premiums Waiver Cover
Get waiver of premium for 1 year on first diagnosis of critical illness or an injury due to an Accident resulting in the Permanent Total Disablement but this feature is available once in the lifetime of the Policy.
Travel Protect Cover
Get fixed pay for travels made by a common carrier within the territory of India in terms of total loss of check-in baggage, delay of check-in baggage, Trip cancellation & interruption, trip delay and missed flight connection.
EMI Protection Cover
Get your 3 EMIs paid against existing loan in case of hospitalization exceeding more than 6 days for amount between ₹10,000 to ₹1,00,000 based on cover chosen for this benefit, but remember this feature is available once in the lifetime in the Policy.
Permanent Exclusions
Conditions or treatments that the policy clearly says it will not cover.
Expenses related to any admission primarily for diagnostics and evaluation purposes are excluded.
Diagnostic expenses not related or incidental to current diagnosis and treatment are excluded.
Expenses for admission primarily for bed rest and not for treatment are excluded.
Custodial care at home or in a facility for help with daily activities is excluded.
Services for terminally ill individuals addressing non-medical needs are excluded.
Disclaimer: For illustration purposes only - exact terms are in the policy wording.
Specific Illness
The following illnesses are not covered under the policy for 2 years.
Cataract
Glaucoma
Refractive Error Correction
Sinusitis
Rhinitis
Waiting Period
30 days Initial waiting period
2 years Specific illness waiting period
3 years Pre-existing disease waiting period
Ditto's Take
◦ Standard ◦
After a close look at the waiting periods, it’s safe to say they are fairly standard.
What's missing in the policy
Doctor consultations are not covered. Need to opt add-on for doctor consultations.
Customer Reviews
A
Anil Mishra
Unlimited sum insured refills is an amazing feature for high medical expenses.
A
Anita Iyer
Maternity benefits included are great for young families planning ahead.
A
Ankit Menon
Mental health care coverage is very important and glad it's included.
C
Charu Chandra
Need to check specifics of 'unlimited refills' if there are any conditions attached.
B
Bala Das
The plan is fully loaded, so the premium might be higher than basic plans.
A
Arvind Jain
Extensive day-care treatment coverage is very practical for many procedures.
A
Arjun Nair
Unlimited sum insured refills is amazing! No tension about exhausting cover.
D
Diya Shah
HealthReturns™ feature is super motivating! Earn back premium by staying active, kya baat hai!
M
Mohan Rao
Maternity benefits and mental health care covered, very progressive plan.
P
Priya Gupta
Wish there were more network hospitals in my tier-2 city.
M
Meera Krishnan
App based HealthReturns™ thoda track karna padta hai, sometimes I forget.
K
Kavya Menon
Pre and post hospitalization coverage is comprehensive. Sab kuch covered hai.
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Frequently Asked Questions
Does Activ Fit Preferred have waiting periods?
- 30-Day Waiting Period: Hospitalizations won’t be covered for the first 30 days of the policy unless it’s an accident.
- Specific Illness Waiting Period: There’s a 2-year waiting period for a list of diseases which is a mandate before you can start claiming.
- Pre-Existing Disease Waiting Period: There's a 3-year waiting period for any pre-existing disease you may have while buying the policy.
- Maternity and Newborn Waiting Period: There’s a 3 waiting period before you can make claims related to pregnancy and childbirth.
Does Activ Fit Preferred have room rent restrictions?
Does Activ Fit Preferred offer a restoration benefit?
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