Aditya Birla Insurance Company, operating under the brand Aditya Birla Health Insurance Co. Limited (ABHICL), is a rising force in India’s ever-evolving insurance sector. It belongs to the Aditya Birla Capital Limited, which is one of the leading Indian financial conglomerates. Aditya Birla Insurance has been changing the way Indians perceive insurance since its inception-not just as a safety net but as a proactive lifestyle choice.
In this post-pandemic phase where healthcare and digitalisation are seen as the cornerstones of financial security, Aditya Birla Insurance has established itself as one of the leaders. It bridges the gaps between access, awareness and affordability -through innovation, inclusivity and insight.
Besides providing retail health insurance and motor coverage, the company also provides critical illness coverage and group insurance that offer complete protection solutions. Its emphasis on wellness-oriented rewards, fast claim payments and digital empowerment has made it one of the most reputable insurance providers in India today.
Company Background
Aditya Birla Health Insurance Co. Limited was incorporated in October 2015. It is a joint venture between Aditya Birla Capital Limited and MMI Holdings (South Africa)- a partnership that combines the powerful local understanding with international insurance experience.
Growth and Expansion Timeline
- In 2016, it introduced health insurance products under the Activ Health brand.
- In 2018, it covered 1 million lives and expanded to tier-2 cities.
- In 2020, incorporated wellness-related features, introduced fitness-related discounts, and digital claims.
- In 2022, empanelled more than 17,000 hospitals in India to provide cashless treatment.
Key Business Highlights
- Covered 20 million lives combining both rural and urban India.
- Strong presence in 2,800+ cities and towns.
- Wide portfolio with 40+ insurance product variations.
- Increasing retail, SME, and corporate market share.
Mission and Vision
Mission: To proactively communicate with customers and assist them in living healthier lives through leveraging innovation, service and awareness.
Vision: A goal to become the most desired and innovative insurance company in India, one that provides protection with a purpose.
Why Choose Aditya Birla Insurance?
1. Diverse Product Portfolio
The company offers a variety of products such as individual health, family floater, motor insurance, critical illness, group insurance, and professional liability. This single-window protection model is what makes Aditya Birla suitable to customers across all demographics and sectors.
2. Focus on Health and Wellness
Aditya Birla is among the few that provides rewards for preventive health behaviour. Its Activ Health App provides step counts, health checks, and HealthReturns, which facilitates monetary incentives for achieving fitness goals.This makes health insurance an active lifestyle companion.
3. Strong Network of Cashless Hospitals
Aditya Birla has over 17000 hospitals in its cashless network so that you get peace of mind during medical emergencies. Quality care is never too far off for customers, be it in urban or distant regions.
4. Transparent, Fast Claim Settlement
The claims system is fully online, transparent and user friendly. Claims are usually processed in 2-3 hours. Customer support is available 24×7 and there is also hospital help in case of emergency situations.
5. Customisable Coverage
Add-ons such as OPD care, maternity cover, global treatment access and enhanced room rent can be added to the standard plans. This makes the policy fit properly into unique family needs and financial objectives.
6. Digital Tools and Mobile App
The Activ Health App enables policy holders to view their plans, make claims, schedule health checks and redeem wellness incentives, all in one single place. It is one of the best-rated insurance apps in India.
7. Global Risk Management Experience
Aditya Birla is also compliant with worldwide underwriting, customer services and compliance standards,thanks to its JV partner MMI Holdings. This guarantees safety and reliability.
8. Inclusive Coverage for All Ages
Aditya Birla has plans cater to all age groups, right from child plans to products that are targeted at senior citizens. There are no claim-based loadings for the elderly, and children can be covered from as early as 91 days.
Product Portfolio
A. Health Insurance
Overview
The flagship offering of Aditya Birla Insurance Company is health insurance They offer popular plans with wellness facilities,critical care management, and digital tracking.
Popular Plans
- Activ Health Platinum Enhanced – Premium scheme with a global cover, OPD cover, maternity cover and critical illness cover.
- Activ Assure Diamond –- Low cost plan with extensive hospital cover and booster benefits.
- Activ Care – Designed for senior citizens, has no co-payment or claim loading.
What is Covered?
- In-patient hospitalisation (pre and post)
- Daycare procedures
- Ambulance and emergency services
- Chronic illness benefits (diabetes, hypertension, etc.)
- Free annual health check-ups
What is Not Covered?
- Plastic or cosmetic surgery
- Experimental/unproven treatments
- Illness within 30-day waiting period
- Injuries due to hazardous activities
- Conditions related to substance abuse
B. Employer-Employee Insurance
Overview
Group insurance plans help companies to offer protection and wellness benefits to their workers. This, in turn, improves retention and productivity.
Popular Plans
- Group Activ Health – Customisable plans that include hospitalisation, maternity, OPD etc.
- Group Secure – Provides term life, accidental death, and critical illness cover.
What is Covered?
- Hospitalisation of employees and dependents
- Maternity and newborn cover
- OPD and wellness consultations
- Annual health check-up
- Critical illness and accidental cover
What is Not Covered?
- Injuries beyond policy period
- Intentional self-harm
- Undisclosed health history
- Alternative or unproven therapies
- Diseases caused by substance use
C. Critical Illness Insurance
Overview
Provides lump sum benefit on diagnosis of major illnesses, ensuring uninterrupted treatment and financial stability.
Popular Plans
- Activ Secure Critical Illness – Covers 64 listed critical illnesses.
- Global Health Secure – Offers global treatment options for select illnesses.
What is Covered?
- Cancer (all stages)
- Stroke, heart attack, bypass surgery
- Major organ transplant
- Kidney failure and paralysis
- Neurological disorders (e.g., multiple sclerosis)
What is Not Covered?
- Illness not listed in policy
- Pre-existing critical conditions
- Non-disclosure of health history
- Claims within 90 days of policy start
- Psychiatric or mental health conditions
D. Group Health Insurance
Overview
Cost-effective group plans for MSMEs, startups, and corporates to offer comprehensive employee coverage.
Popular Plans
- Group Activ Health – Offers health and wellness benefits with cashless treatment.
- Group Activ Secure – Adds accident and critical illness protection.
What is Covered?
- Hospitalisation and maternity
- OPD benefits
- Pre- and post-hospitalisation
- Dental and vision care (add-on)
- Preventive wellness services
What is Not Covered?
- Cosmetic or elective procedures
- Non-disclosure of existing illnesses
- Injuries from illegal acts
- War or nuclear risks
- Conditions excluded during underwriting
E. Motor Insurance
Overview
Provides comprehensive protection for private and commercial vehicles, including damage, liability, and theft.
Popular Plans
- Private Car Package Policy – Covers own damage and third-party liability.
- Two-Wheeler Insurance – Low-cost plans with optional personal accident cover.
- Commercial Vehicle Policy – Designed for fleet owners and goods carriers.
What is Covered?
- Accidental damage
- Theft and vandalism
- Fire and natural disasters
- Third-party legal liabilities
- Personal accident for driver/owner
What is Not Covered?
- Drunk driving or invalid license
- Electrical/mechanical breakdowns
- Tyre and battery wear
- Use for unlawful activities
- Damage due to war or riots
F. Professional Liability Insurance
Overview
Offers essential protection for professionals against third-party claims due to errors, negligence, or failure in service.
Popular Plans
- Doctors’ Indemnity Policy – Covers malpractice lawsuits and legal costs.
- Errors & Omissions Cover – For IT consultants, CAs, lawyers, etc.
What is Covered?
- Legal defence and court costs
- Settlement or compensation
- Defamation or reputation risk
- Third-party bodily harm
- Breach of duty
What is Not Covered?
- Fraudulent acts or criminal activities
- Known errors before policy issuance
- Contractual obligations outside professional scope
- Infringement of intellectual property
- Regulatory fines or penalties
Claims Process
Aditya Birla facilitates fast, transparent and digital claim processing. Help is provided round the clock through the official app and helpline .
Steps:
- Register the claim through the app, web or telephonic helpline.
- Submission of documents for reimbursement such as the pre-authorisation form or discharge summary.
- Hospital or insurer verification
- Claim assessment and approval.
- Cashless settlement / direct reimbursement within a couple of working days
Renewal Process
Renewals at Aditya Birla Insurance are paperless and smooth. Long term renewals come with higher discounts and continuity of policy.
Steps:
- Log in to the official site or app
- Choose the policy and review the current coverage.
- Select add-ons or enhancements, if needed
- Pay online using the secure payment gateway
- Get the e-policy and renewal confirmation.
Distribution Network
- Financial Literacy & Community Engagement
Aditya Birla has created awareness to thousands of people about health and insurance in India through health camps, rural awareness drives and workshops.
- Green Insurance & ESG Strategy
The company encourages the usage of digital-only policies, green offices, and low paper consumption, as these are in line with its sustainability vision.
- Health & Wellness Campaigns
The community engagement initiatives of ABHICL to promote healthy living include ‘Wellness Wednesdays’, Fitness Challenges and ‘Activ Day’ campaigns.
Final Thoughts:
Aditya Birla Insurance Company has made its name as a modern insurer with a conscience. Whether it is the effective customisation of its insurance products, the prioritisation of customer wellness and digital empowerment, the company has demonstrated in many ways that insurance can be both protective and proactive.
It has a digital-first tool kit, wellness-connected rewards, extensive product lines, and a fast growing customer base, making it an insurer that one can trust in this complex world today. If you are looking for a health shield, a business cover, or a sense of security at all times, Aditya Birla Insurance has always got you covered.
