Aditya Birla Health Insurance

Key Features

Claim Settlement Ratio 99.73%

Renewability 100%

Claim Settlement Facility 100%

COVID-19 Cover Yes

Network Hospitals 10000

Incurred Claim Ratio 59%

About Aditya Birla health insurance company

Aditya birla health insurance company limited (ABHICL) which is a joint venture between the Aditya birla capital limited, which is the holding company for the financial services business of the Aditya birla group and Momentum Metropolitan Strategic Investments (formerly known as MMI Strategic Investments Pvt Ltd) was incorporated in the year 2015. Aditya birla health insurance has obtained the standalone health insurance license from the Insurance regulatory and development authority of India (IRDAI) in the year 2015 and commenced its operations in October 2016. Aditya Birla capital holds about 51% in the joint venture whereas MMI group holds about 49% in the joint venture.


Aditya Birla health insurance plans:

Active Fit

The plan is designed to provide rewards to insured customers maintaining a healthy lifestyle in the form of return of premiums and various other benefits. The minimum and maximum sum insured under the plan is Rs.5 Lakhs and Rs.1 Crore. For sum insured of Rs. 5 Lakhs and above the insured customer can opt for any room without any restriction on the room rent limit. Modern treatments are covered under the plan up to the sum insured. Daily cash benefits of up to Rs.6000 per event are available under the plan. The pre and post hospitalization expenses are covered up to 90 days before and 180 day after the hospitalization. In case of network hospitals the road ambulance charges are covered up to the actuals and in case of non network hospitals the road ambulance charges are covered up to Rs.3000 per event. Alternative treatments and organ donor expenses are covered up to the sum insured limits mentioned under the plan.

Benefits of Aditya Birla health insurance

There are various discounts which are offered by Aditya birla health insurance company for its customers that are mentioned below:

  • Upfront good health discount in which the company would provide a discount of 10% instantly at the time of purchain the policy on the first year policy premium basis the good health risk as classified by the company.
  • Early bird discount in which the company offers up to 10% discount on renewal if the customers are aged between 18 years and 35 years.
  • Customers need to be proactive and young to avail this discount.
  • Family discount in which the company would offer up to 10% discount if 3 or more family members are insured in the same policy on an individual sum insured basis.
  • Direct purchase discount of up to 10% can be availed if the policy is purchased directly from the company’s website without involving any intermediary.
  • Standing instructions discount of up to 2.5% can be availed if you choose to give standing instructions to your bank to deduct the premium periodically at the time of renewal.
  • Long term discount of up to 10% can be availed if purchase the health insurance policy for more than 1 year.

Key Statistics

  • Covered more than 16.2 Million lives as of H1 FY22.
  • Recorded a Gross Written premium of Rs. 764 Crore for the same period.


Aditya birla health insurance provides for both reimbursement and cashless claim settlement facility. The cashless facility is available in network hospitals only. Aditya birla health insurance hospital list or cashless hospital list can be downloaded from the website of the company or from here. Aditya birla health insurance claim form can be found here and the status of health insurance claim can be found on the website and app of the company. Aditya birla claim settlement through reimbursement mode would be done if the claim settlement service is available in any of the hospitals other than that of the network hospital.