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Activ Fit Plus
Health coverage of up to ₹1 crore- Up to 50% HealthReturnsTM
- Travel Protect
Why buy the Activ Fit Plus Plan?
If you are a young adult who lives a healthy and fit lifestyle, the Activ Fit Plus plan is a good option for you. It offers a wide range of benefits, including affordable premiums, rewards for staying fit, comprehensive coverage, cashless treatment, an optional travel protection cover, unlimited sum insured refill, good health discount, and early bird discount.
Rewards you for staying fit and healthy
Doubles the sum insured on 2 consecutive claim-free years
Free health assessment and optional Super No Claim Bonus
How Does Activ Fit Plus Plan Work?
Rahul is a fitness enthusiast who works out regularly and eats a healthy diet. He is also a young professional who is starting to think about his financial future.
He decided to purchase the Activ Fit Plus health insurance plan as he wanted to make sure that he was protected in case of a medical emergency.
A few months later, Rahul had a car accident and sustained serious injuries. He was hospitalised for several weeks and required surgery as well. He got admitted and chose a shared accommodation room.
Rahul's Activ Fit Plus plan covered all of his medical expenses. He also received a Daily Cash Benefit of ₹1,000 for each day as he chose a sum insured of ₹15 lakhs and above.
Rahul is grateful for his Activ Fit Plus plan. It has given him peace of mind knowing that he is financially protected in case of a medical emergency.
What's Included?
A health and wellness ecosystem where you can track activity, contact specialists, book checkups, and more.
10% upfront good health discount, Up to 50% HealthReturnsTM, and up to 100%sum insured unlimited times refill option. tax
Tax benefit under Section 80D on premium payments for self and family from ₹25,000 up to ₹1 lakh.
Get coverage for all day care procedures that require less than 24 hours of hospitalisation.
Get coverage for medical expenses for medical treatment at home for a period exceeding three consecutive days.
Coverage for treatment under Ayurveda, Yoga and naturopathy, Unani, Siddha, and Homeopathy.
Cashless hospitalisation in 10000+ hospitals. Pre and post-hospitalisation expenses covered.
What's Not Included?
No claims can be made during the waiting period.
No cover if there’s an attempt at suicide or self-inflicted injuries.
No coverage is paid out if the death is due to alcohol, hazardous activity, acts of war, or childbirth.
No coverage for non-allopathic treatments, Parkinson's, stem cell therapy or venereal diseases.
No cover on expenses related to diagnostic and evaluation purposes.
Get Started With Activ Fit Plus Plan
How to buy?
- Assess your needs and check the plan on the Aditya Birla Capital website.
- Carefully go through coverage and exclusions.
- Share your details, select coverage, term etc.
- Make the payment and enjoy your newfound peace.
How to renew?
- Visit the policy renewal page on the website.
- Enter policy number and personal details.
- Check the renewal amount displayed.
- Make payment via the preferred mode and you are done.
- You will receive a confirmation email of the successful policy renewal.
How to claim?
- Intimate the insurer before your hospitalisation or as soon after as possible.
- Gather all required documents - policy, hospital bills, doctor’s notes etc.
- Visit the claims section on the website.
- Provide basic details about the policy and the policyholder.
- Submit the required documents and we’ll get back to you.
Check Your Eligibility
Check your eligibility and take the first step towards financial security
Eligibility Criteria
- Family Floater Policy Minimum age : For child 91 days for dependent children and 18 years for adults
- Family Floater Policy age: for adults is from 18 to 45 years
- Individual Policy age: 5 years.
- Medical tests May be required depending on age
- Smoking habits Affect your premium
Waiting Period
- Initial Waiting Period : 30 Days (not applicable in case of an accident, provided it is covered)
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Specified Diseases :
or Procedures 24 months - Pre-Existing Diseases : 48 months
Customer Satisfaction Stories
Don’t just take our word for it. Hear from our customers about their successful financial journey with us
Aditya Birla Health Insurance Customer
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.
Aditya Birla Health Insurance Customer
Noida, India
Aditya Birla Health Insurance Customer
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
Aditya Birla Health Insurance Customer
Delhi, India
Aditya Birla Health Insurance Customer
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.
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Comprehensive coverage against illnesses and injuries -
Digital purchase process
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Low and affordable premiums with one-click payments
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Table of Contents
Who should buy the Activ Fit Plus Plan?
Young adults
Premiums are low at a younger age, and it can help you inculcate healthy habits. You can also earn back up to 50% of your premium as HealthReturns™ by staying fit and healthy.
Fitness enthusiasts
The Plan motivates fitness enthusiasts to stay active by providing benefits and rewards for fitness achievements while also protecting them financially in the case of a medical emergency.
Families
With the family floater option, you can cover the whole family under one plan. This will allow you to go for a much higher sum insured while being quite cost-effective.
Middle-aged adults
The Plan offers individuals in the age bracket of 30-45 years comprehensive health insurance coverage at an affordable price while also motivating them to stay healthy.
What are the Features and Benefits of Activ Fit Plus Plan?
- Comprehensive health coverage for a wide range of medical expenses is offered.
- HealthReturns™ of up to 50% can be earned by staying active.
- 10% upfront good health discount on your first policy premium.
- Coverage for all day care procedures available.
- Up to 10% early bird discount from 8th Policy year onwards if age at entry is less than 35 years.
- Tax benefits can be claimed under section 80D of the Income Tax Act, 1938.
- Cover up to sum insured can be refilled unlimited times during a policy year.
- Travel Protect offers optional coverage for baggage loss, trip cancellations, and much more.
How can you earn up to 50% of your premium as HealthReturns™ in the Activ Fit Plus Plan?
- Step 1 - Take the Health Assessment and get your Healthy Heart Score.
- Step 2 - Earn 1 Active Dayz™ by walking 10,000 steps/burning 300 calories/working out for 30 minutes in a day.
- Step 3 - Complete 13 Active Dayz™ a month to earn up to 30% HealthReturns™.
- Step 4 - Complete 275 Active Dayz™ a year to get an additional 20% HealthReturns™.
What are the different ways you can use HealthReturns™ ?
You can use it to pay your next policy premium
You can use it to buy medicines at network partner
You can use it to pay for diagnostic tests at a network hospital
You can use it as a health contingency
What are the permanent exclusions of the Activ Fit Plus Plan*?
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Hearing aids, spectacles or contact lenses including optometric therapy, and multifocal lenses.
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Gender reassignment treatment.
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Obesity/weight control surgery that does not meet all medical criteria.
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Cosmetic, aesthetic and re-shaping treatments, and surgeries.
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Any illness/injury/accident due to abuse of intoxicants.
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Treatment of injuries from hazardous or adventure sports.
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Treatment in health hydros, nature cure clinics, spas, or similar establishments.
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War, act of foreign enemy, uprising, revolution, insurrection, military or usurped acts.
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Intentional self-injury or breach of law with criminal intent.
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Treatment taken outside India.
*Disclaimer - For complete list of exclusions, please refer the policy wordings.
How can you earn bonus Active Dayz™?
4 bonus Active Dayz™
If your monthly average step count is between 5000-7499 per day or if you have burnt 150-200 calories on an average in one exercise session per day at the end of the month.
6 bonus Active Dayz™
If your monthly average step count is equal to or greater than 7500 per day or if you have burnt more than 200 calories on an average in one exercise session per day at the end of the month.
FAQs on Activ Fit Plus plan
All Insured Persons in this Plan may avail of a Health Assessment™ once in a Policy Year post successful Renewal of their Policy, for the following tests:
1. MER (Medical Examiner's Report stamped and signed) including BP (Blood Pressure), BMI (Body Mass Index), HWR (Height to Weight Ratio), and smoking status
2. Blood sugar.
3. Total Cholesterol.
The Activ Fit Plus Plan offers a confidential professional assistance-based mental health assessment program to assess your current mental health and well-being, supported by mental health coaching over the phone.
The Mental Health Assessment includes:
• Guidance on knowing your mental health status through an online mental health assessment tool. The result of this assessment will be given on a scale of ‘healthy’ to ‘extremely severe’ risk for anxiety, depression, and stress.
• Guidance on improving your mental health based on the result of the mental health assessment.
Eligibility for screening and consultation sessions is as follows:
• Moderate: 1 screening for mental health status followed by 2 consultation sessions.
• Severe to extremely severe: 1 screening for mental health status followed by 4 consultation sessions.
The Insured Person’s test results will be used to calculate the Healthy Heart Score™ based on their completed Health Assessment™. The
Healthy Heart Score™ will then be used to identify which category the Insured Person’s heart health falls in:
• Green: Low risk of heart disease compared to peers in the same Age and gender group.
• Amber: Moderate risk of heart disease compared to peers in the same Age and gender group – intervention will be beneficial.
• Red: High risk of heart disease compared to peers in the same Age and gender group – immediate intervention is required.
The Healthy Heart Score™ is valid for 12 months, and will automatically be updated based on the latest available test result if another Health Assessment™ is completed.
For Healthy Heart Score™ to be calculated, Health Assessment™ needs to be carried out a minimum of once in a Policy Year.
The Healthy Heart Score™ (HHS) is calculated based on the following medical test-based parameters: age, gender, total cholesterol, systolic blood pressure, smoking status, and random blood sugar.
Individual points are allocated to each parameter based on the actual value received compared to a cut-off value. The calculated risk score (sum of individual points) is then converted into an absolute risk probability percentage of developing coronary heart disease (CHD) events. The risk probability estimate is then categorised into Red, Amber, and Green for different ages and genders.
In short, the HSS is a calculated risk score based on six medical parameters.
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 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
Health Insurance
Aditya Birla Health Insurance Co. Limited. IRDAI Reg.153. CIN No. U66000MH2015PLC263677.
Product Name: Activ Fit: Activ Fit product has plus and preferred plans. Product UIN: ADIHLIP22008V012223, ADVT. UIN: ABHI/LF/22-23/1629. Regd. Office address: 9th Floor, Tower 1, One World Centre, Jupiter Mills Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai 400013.
Email: care.healthinsurance@adityabirlacapital.com, Website: adityabirlahealthinsurance.com, Telephone: 1800 270 7000.
For more details on risk factors, terms and conditions please read terms and conditions carefully before concluding a sale. Trademark/Logo Aditya Birla Capital is owned by Aditya Birla Management Corporation Private Limited and Trademark/logo HealthReturnsTM, Healthy Heart Score and Active Dayz are owned by Momentum Metropolitan Life Limited (Formerly known as MMI Group Limited). These trademark/Logos are being used by Aditya Birla Health Insurance Co. Limited under licensed user agreement(s). ^Coronavirus is covered for Inpatient treatment as per policy wordings of the Product. *excluding premium for optional benefit(s) & taxes. ^^5% discount from 4th policy year to 7th policy year. 10% discount from 8th policy year onwards, will be available at renewal. ~ Discount applied only on first policy year premium. # Discount will be available at renewal. %excluding premium for optional benefit(s) & taxes. For more details on the product,its benefits & HealthReturnsTM please refer to the policy wordings. T&C applied.