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Looking for the right plan for you?

Our experts are here to guide you

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What are Health and Wellness Plans?

At the centre of our Health and Wellness plans is the idea that “prevention is better than cure”. This is why not only do these plans cover you against the rising medical costs but also encourage you to stay healthy. Get rewarded for choosing a healthy lifestyle and access to expert health coaches to guide you through this journey.


  • Preventive healthcare cover
  • Access to quality care
  • Rewards for a healthy lifestyle

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Features & Benefits of Health & Wellness Plans

HealthReturns™

Get rewarded for leading a healthy life and staying active in a policy year^

Chronic Management Program

Benefit from expert consultation and diagnostic tests to manage your chronic conditions^

Wellness Coach

Get nutrition plans and mental health guidance to stay healthy^

Free Health Check-Up

Stay updated with your health and prevent potential health issues from getting out of hand^

Cover OPD Expenses

Get covered for expenses incurred during OPD visits as well as diagnostic tests^

Second E-Opinion

Get a free second e-opinion from our international experts on the diagnosis of critical illnesses^

Our Health and Wellness Plans

BY NEED

Get Comprehensive Cover

Choose from indemnity-oriented health plans for covering your medical bills.

Protect Your Health and Wealth

Stay fit and benefit from a comprehensive cover with our health and wellness plans

Protect your elderly loved ones

Protect your elderly loved ones with our health and wellness plans

Activ Health Platinum Essential

UIN: ADIHLIP24102V052324

Our Health Insurance Plans KEY FEATURES Our Health Insurance Plans
  • Receive cashless treatment at home
  • Get coverage for 586 day care procedures
  • Get chronic illness cover from day 1

Premium starts at

₹5,579* /year

Activ Health Platinum Enhanced

UIN: ADIHLIP24102V052324

Our Health Insurance Plans KEY FEATURES Our Health Insurance Plans
  • Expert health coaches available
  • Earn up to 100%* premium back as HealthReturnsTM
  • Double the sum insured with NCB

Premium starts at

₹8,215*/ year

Activ Fit Preferred

UIN: ADIHLIP22008V012223

Our Health Insurance Plans KEY FEATURES Our Health Insurance Plans
  • Earn up to 50%* premium back as HealthReturns™
  • Get sum insured unlimited times refilled
  • Get coverage for maternity expenses

Premium starts at

₹6845*/per annum

Activ Fit Plus

UIN: ADIHLIP22008V012223

Our Health Insurance Plans KEY FEATURES Our Health Insurance Plans
  • Get up to 100% of the sum insured refilled
  • Get covered for mental healthcare
  • Double the sum insured with NCB

Premium starts at

₹6863*/per annum

Activ One MAX

UIN: ADIHLIP24097V012324

Our Health Insurance Plans KEY FEATURES Our Health Insurance Plans
  • Sum insured up to ₹6 crores
  • Modern treatments and procedures are covered
  • Coverage for non-payable items with Claim Protect

Premium starts at

₹4,713* /year

Activ One NXT

UIN: ADIHLIP24097V012324

Our Health Insurance Plans KEY FEATURES Our Health Insurance Plans
  • Earn up to 100% premium as HealthReturnsTM
  • Range of optional coverage benefits
  • Coverage for mental illnesses

Premium starts at

₹5,630* /year

Activ Care Classic

UIN: ADIHLIP21062V022021

Our Health Insurance Plans KEY FEATURES Our Health Insurance Plans
  • Receive cashless treatment at home
  • Get personal health and lifestyle coach
  • Benefit from AYUSH treatment cover

Premium starts at

₹28,373*/ year

Health and Wellness Plans

Holistic health insurance plans that not only cover your medical expenses but also encourage you to stay healthy by rewarding good habits.

Activ Fit Preferred

UIN: ADIHLIP22008V012223

Our Health Insurance Plans KEY FEATURES Our Health Insurance Plans
  • Earn up to 50%* premium back as HealthReturns™
  • Get sum insured unlimited times refilled
  • Get coverage for maternity expenses

Premium starts at

₹6845*/per annum

Activ Fit Plus

UIN: ADIHLIP22008V012223

Our Health Insurance Plans KEY FEATURES Our Health Insurance Plans
  • 10% Upfront Good Health Discount
  • Get up to 100% of the sum insured refilled
  • Double the sum insured with NCB

Premium starts at

₹6863*/per annum

Activ Health Platinum Enhanced

UIN: ADIHLIP24102V052324

Our Health Insurance Plans KEY FEATURES Our Health Insurance Plans
  • Expert health coaches available
  • Earn up to 100%* premium back as HealthReturnsTM
  • Double the sum insured with NCB

Premium starts at

₹8,215*/ year

Activ Health Platinum Essential

UIN: ADIHLIP24102V052324

Our Health Insurance Plans KEY FEATURES Our Health Insurance Plans
  • Receive cashless treatment at home
  • Get coverage for 586 day care procedures
  • Get chronic illness cover from day 1

Premium starts at

₹5,579* /year

Activ One MAX

UIN: ADIHLIP24097V012324

Our Health Insurance Plans KEY FEATURES Our Health Insurance Plans
  • Sum insured up to ₹6 crores
  • Modern treatments and procedures are covered
  • Coverage for non-payable items with Claim Protect

Premium starts at

₹4,713* /year

Activ One NXT

UIN: ADIHLIP24097V012324

Our Health Insurance Plans KEY FEATURES Our Health Insurance Plans
  • Earn up to 100% premium as HealthReturnsTM
  • Range of optional coverage benefits
  • Coverage for mental illnesses

Premium starts at

₹5,630* /year

Add Riders For Extra Protection in Health And Wellness

Enhance your health plan with riders that provide additional cover at a nominal fee.

Room Rent Rider

Allows you to choose the room of your choice without additional charges

Personal Accident Rider

Provides coverage for different types of disabilities caused by an accident

Critical Illness Rider

Offers a lump sum amount on diagnosis of a critical illness

Maternity Cover

Provides coverage for expenses incurred during childbirth.

Hospital Cash

Pays a fixed daily cash allowance in the case of hospitalisation

Compare Our Health and Wellness Plans

Plans Activ Health Platinum Essential Activ Health Platinum Enhanced Activ Fit(Plus & preferred) Activ Assure Diamond
Best Suited For Individuals who want to protect themselves from chronic illnesses Individuals who lead an active life and want a chronic management program Individuals between 25-35 years of age living a fit and healthy life Individuals looking for a budget-friendly comprehensive plan
Entry Age 5 years (individual policy)

91 days (floater policy)

No maximum entry age
5 years (individual policy)

91 days (floater policy)

No maximum entry age
5 years (individual policy)

91 days (floater policy)
5 years (individual policy)

91 days (floater policy)
HealthReturns™ Earn up to 50% of your premium Earn up to 100% of your premium Earn up to 50% of your premium Earn up to 30% of your premium
Daycare Procedures Yes Yes Yes Yes
Health Coach Yes Yes Mental health coaching Yes
Sum Insured ₹50,000 to ₹1 Cr ₹2 Lakhs to ₹2 Cr ₹1 Lakh to ₹1 Cr ₹ 2 Lakhs to ₹2 Cr
Premium Starting At ₹5,579* /year ₹8,215*/ year ₹6,863*/ year ₹7,149* /year
View Plan View Plan View Plan View Plan

Check Your Eligibility

Before you purchase Health and Wellness plan, ensure you qualify and have the necessary documents.

Eligibility Criteria

  • Entry Age Children - 91 days in a floater plan and 5 years in an individual plan.
    Maximum - 25 years
    Adults - 18 years
  • Citizenship Indian citizen residing in India at the time of purchase.
  • Medical tests Depends on the conditions of the plan selected
  • Disclosures Must disclose pre-existing conditions and smoking habit.
  • Family Must be spouse, children, parents, and sibling to be covered under a family floater plan.


Waiting Period

  • Initial waiting period 30 Days
  • Pre-existing diseases Depending on the plan selected
  • Specific diseases Depending on the plan selected

Document Needed

  • Proposal form
  • Age proof
  • Identity proof
  • Passport size photograph
  • Address proof
  • Medical reports
  • PAN/ Aadhar card

Things To Keep In Mind

    • Riders depend on the plan chosen

As per the Income Tax Act, 1961, Section 80D of Income Tax Act, 1961 provides for self, family, and parents

  • Deduction on premiums up to ₹25,000*
  • Deduction on Preventive Health Checkup Claims up to ₹5,000
  • Waiting Period Clause
  • Pre-Existing Diseases
  • Maternity-Related Expenses
  • HIV/AIDS
  • Cosmetic Treatments

#Some plans may cover these. Please check the policy wording

ABCD - One app for
all your insurance needs

With a few clicks on the ABCD app, you can get financial protection against medical emergencies with a health insurance plan.

  • Life Insurance
    Comprehensive coverage against illnesses and injuries
  • Life Insurance
    Digital purchase process
  • Life Insurance
    Low and affordable premiums with one-click payments

Scan the QR code to download our Mobile App

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Understanding Health and Wellness Plan
  • What are the benefits of Health and Wellness Plans?
  • What are HealthReturns™?
  • What is the Chronic Care Management Program?
  • What are the different types of waiting periods in health insurance?
  • What factors can affect my premium?
  • Some important terms you should know?
  • What is covered in the Health and Wellness plan?

What are the benefits of Health and Wellness Plans ?

img Peace of mind

You can rest easy knowing you will be covered in case of a medical emergency or accident.

img Preventive care

You can get an annual check-up that can detect problems before they become health issues.

img Protection from rising healthcare costs

You can get cashless treatment at network hospitals with practically no expenses at all.

img Access to quality care

It ensures access to better healthcare facilities, doctors, and treatments, improving your overall health outcomes.

img Tax benefits

You can save tax on the premiums paid as specified in Section 80D of India's Income Tax Act, 19611.

What are HealthReturns™ ?

HealthReturns™ is designed to encourage and reward you for adopting a healthy lifestyle and staying active. Here are some of its key features and benefits:


  • Earn points

    You can earn HealthReturns™ points for maintaining an active lifestyle, which includes activities like walking, running, or cycling. These points are tracked through wearable fitness devices or mobile apps.

  • Annual payout

    Accumulated HealthReturns™ points get you an annual payout, typically in the form of a premium discount or wellness benefits. You can also use these points to pay for things your plan doesn’t cover.

  • Requirement

    The more active you are, the higher your potential reward. For example, with Activ Health plan, you can earn up to 100% of your premium by staying active for 275 days in a year.

  • Health coaching

    Some policies also offer access to health coaching services and personalised wellness programs to help you make healthier choices.

What is the Chronic Care Management Program ?

img What?

  • Designed to provide specialised support to policyholders dealing with chronic health conditions.
  • Covers asthma, high blood pressure, high cholesterol and diabetes.

 

img How?

  • Coverage for listed ailments from day 1.
  • Dedicated support and guidance from healthcare professionals.

 

img Who?

  • Anyone over the age of 91 days.
  • Spouse and children (under 25) can be added as dependents.

 

What are the different types of waiting periods in health insurance?

img Initial Waiting Period

Typically lasts for a month after policy purchase where no claims are accepted except accidental cases.

img Pre-Existing Condition Waiting Period

These are ailments that were there at the time of the purchase of the plan. These claims are typically not accepted during the waiting period.

img Maternity Waiting Period

Maternity-related expenses may not be covered until the waiting period has elapsed.

img Waiting Period for Certain Procedures

In some cases, specific medical procedures or surgeries may have their own waiting periods, even if the policy as a whole is in effect.

img Critical Illnesses Waiting Period

Often regular health plans do not cover critical diseases until after the waiting period.

What factors can affect my premium ?

  • Age

    The older you are, the higher the premiums are typically.

  • Medical history

    Your premium may be higher if you have any pre-existing conditions.

  • Lifestyle

    Smoking, drinking, and being overweight can increase your premium.

  • Location

    Cities where healthcare cost is higher tend to have higher premium as well.

  • Policy type

    More comprehensive plans typically have higher premiums than basic plans.

  • Your deductible

    Choosing a higher deductible can lower your premiums.

  • Gender

    Premiums tend to be higher for me. For plans with maternity cover, it can be higher for women.

  • Smoking and drinking alcohol

    It can increase your risk of health problems and lead to higher premiums.

  • Amount of coverage

    The higher the sum insured, the higher your premiums will be.

Some important terms you should know ?

img Cashless claim

The insurance company reimburses the network hospital directly, so you don't have to pay out of pocket.

img Co-pay

It is the share of the amount to be paid by you, in case of a claim.

img No claim bonus

It's a bonus offered in the form of a increased sum insured if no claims were made during the previous policy term

img Pre-existing condition

A health condition that you had before you got health insurance.

img Pre-hospitalisation expenses

This refers to the medical expenses incurred on the same illness before getting admitted to a hospital.

img Post-hospitalisation expenses

This refers to the cost of follow-up tests and consultation after getting discharged from the hospital.

img Network hospital

It is a medical facility that has a tie-up with the health insurance provider where you can receive cashless treatment.

What is covered in the Health and Wellness plan?

img Inpatient Hospitalisation Expenses

This covers the cost of room rent, doctor's fees, nursing charges, diagnostic tests, and other expenses incurred during an inpatient hospital stay.

img Pre-existing Illnesses or Diseases

Some Aditya Birla Health and Wellness plans cover pre-existing illnesses or diseases after a specified waiting period. However, there may be exclusions or limitations on the coverage for pre-existing conditions.

img Pre and Post-Hospitalisation Expenses

These expenses cover the cost of medical treatment received before and after hospitalisation. The coverage may include doctor's consultations, diagnostic tests, and medications.

img Ambulance Charges

Many Aditya Birla Health and Wellness plans cover ambulance charges incurred for transportation to and from the hospital. The coverage may have limitations on the distance or amount covered.

img Preventive Health Check-ups

Preventive health check-ups, such as annual physicals and screenings, are often covered by Aditya Birla Health and Wellness plans. This can help detect potential health problems early on and prevent serious illnesses.

img Day-care Procedures

Day-care procedures, such as minor surgeries and treatments that do not require an overnight stay, are often covered by Aditya Birla Health and Wellness plans.

img Home Treatment Cover

Some Aditya Birla Health and Wellness plans cover home treatment expenses for certain conditions, such as post-operative care or chronic illnesses.

img AYUSH Benefit

AYUSH treatments, which are traditional Indian therapies, are becoming increasingly covered by Aditya Birla Health and Wellness plans.

img Mental Healthcare Cover

This provides coverage for the diagnosis and treatment of mental illnesses, such as depression, anxiety, and substance abuse.

img Additional Wellness Benefits

Aditya Birla Health and Wellness plans may also offer additional benefits, such as discounts on gym memberships, health trackers, and telemedicine consultations.

Customer Satisfaction Stories

Hear from our customers what they have to say about their experience.

Hear What The Experts Have To Say
Hear What The Experts Have To Say
Arun Sharma

Aditya Birla Health Insurance

1 Jan 1
Hear What The Experts Have To Say

Aditya Birla Health Insurance has been my companion in my weight loss journey of losing 17 Kgs and helping me stay disease-free. Health Returnsᵀᴹ keeps my whole family motivated to be active and stay fit and each person can do the exercise of their choice

Hear What The Experts Have To Say
Mr. Rajinder Balhara

Aditya Birla Health Insurance Customer

Delhi, India

Hear What The Experts Have To Say
Hear What The Experts Have To Say
Mrs. Mangal Prathamesh Mithari

Aditya Birla Health Insurance Customer

1 Jan 1
Hear What The Experts Have To Say

Staying healthy has become a way of life. I really enjoy using the Activ Health app that gives all my health solutions at one place.

Hear What The Experts Have To Say
Mr. Himanshu Chaturvedi

Aditya Birla Health Insurance Customer

Noida, India

Hear What The Experts Have To Say
Hear What The Experts Have To Say
Shruti Davda

Aditya Birla Health Insurance

1 Jan 1
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FAQs on Health And Wellness Plan

A health insurance wellness programme is a type of health insurance plan that rewards members for taking steps to improve their health. These programmes typically offer incentives such as premium discounts, cash back, or gift cards for completing certain health activities, such as exercising regularly, eating healthy foods, and getting preventive care screenings.


To participate in a health insurance wellness programme, you must typically enrol in the programme through your health insurance provider. Once you are enrolled, you will need to complete certain health activities to earn rewards. The specific activities that are covered by the programme will vary depending on the provider, but they may include things like:


• Tracking your daily steps or exercise minutes

• Eating healthy foods and logging your meals in a food diary

• Getting preventive care screenings, such as annual checkups and flu shots.

• Completing health assessments


There are many benefits to opting for health insurance wellness programs. Some of the key benefits include:


• Improved health: Wellness programmes can help you to improve your overall health and well-being by motivating you to make healthy choices.

• Reduced healthcare costs: By helping you to stay healthy, wellness programmes can help reduce your healthcare costs in the long run.

• Lower premiums: Many health insurance providers offer premium discounts to members who participate in wellness programmes.

• Other rewards: In addition to premium discounts, some wellness programmes also offer other rewards, such as cash back, gift cards, or access to exclusive discounts and promotions.


The specific services and activities that are covered by health insurance wellness programmes will vary depending on the plan and the provider. However, some common examples include:


• Fitness classes and gym memberships

• Weight loss programmes

• Expert health coach

• Stress management programmes

• Mental health programmes

• Annual health assessments


The Insurance Regulatory and Development Authority of India (IRDAI) has issued guidelines for health insurance wellness programs. These guidelines are aimed at ensuring that wellness programmes are fair and transparent and that they do not discriminate against members with pre-existing health conditions.


The IRDAI guidelines require health insurance providers to:


• Disclose all the terms and conditions of the wellness programme to members before they enrol.

• Make it easy for members to participate in the programme and earn rewards.

• Offer a variety of health activities that are accessible to all members.

• Not to discriminate against members with pre-existing health conditions.


Find Us Near You

*Starting Plan price mentioned on the website are for self customer with age 30 and Sum Insured 5 LAKH
1Tax benefits are subject to changes in tax laws. Kindly consult your financial advisor for more details.
^Benefits are conditional to Plan/SI opted, please refer Policy Wordings for more details

UIN: ADIHLIP24102V052324 - Activ Health Platinum Essential is a Health Insurance Plan

UIN: ADIHLIP24102V052324 - Activ Health Platinum Enhanced is a Health Insurance Plan

UIN: ADIHLIP22008V012223 - Activ Fit Plus is a Health Insurance Plan

UIN: ADIHLIP22008V012223 - Activ Fit Preferred is a Health Insurance Plan

UIN: ADIHLIP23130V042223 - Activ Assure Diamond is a Health Insurance Plan

UIN: ADIHLIP21061V022021 - Activ Assure Diamond + Super Health Top-up is a Health Insurance Plan

UIN: ADIHLIP21062V022021 - Activ Care Classic is a Health Insurance Plan