Скачать или смотреть Aditya Birla Activ Fit Health Insurance *DETAILED REVIEW* 2025 | Best Health Plan? | Ditto Insurance

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Aditya Birla Activ Fit (Plus) Health Insurance Plan Review: https://joinditto.in/articles/health-...

Aditya Birla Health Insurance, part of the US$66 billion Aditya Birla Group, launched the Activ Fit Health Insurance plan specifically for young, health-conscious individuals. Offered in two variants—Activ Fit Plus and Activ Fit Preferred—the plan targets adults aged 18 to 45. With a growing network of over 12,000 hospitals and solid operational performance (CSR: 95%, ICR: 68%), Aditya Birla Activ Fit is fast becoming a top choice for wellness-oriented buyers in India.

In this video, we dive deep into everything you should know about Aditya Birla Activ Fit Health Insurance. From comparing the two variants to evaluating key benefits like room rent limits, bonuses, unlimited restoration, maternity coverage, wellness incentives, and premium pricing—we’ve covered it all. Whether you’re seeking a maternity-friendly policy, one that rewards your fitness efforts, or a budget-friendly retail plan from a trusted name—this breakdown is for you.

Let’s talk features. For all sum insured options of ₹5 lakh and above, there are no room rent caps. There’s no co-payment, and no disease-wise sub-limits. You get extensive pre and post-hospitalisation coverage—90 days before and 180 days after. All day-care, AYUSH, domiciliary, and modern treatments are fully covered up to the base sum insured.

Where Activ Fit really shines is in its unlimited restoration feature—it restores your base sum insured any number of times for both same and unrelated illnesses. You also earn a 10% cumulative bonus each year you don’t make a claim—capped at 100%. On top of that, a Super No Claim Bonus add-on gives you another 50% bonus per year (again capped at 100%). So a ₹10 lakh policy can quickly stack up to ₹30 lakh of protection within a few years.

Activ Fit Preferred stands out by offering maternity benefits as a built-in feature. It covers both normal and C-section deliveries, newborn expenses, and provides day-one cover for the newborn (up to 90 days). That’s rare—most private health plans only offer maternity as a rider or through expensive variants.

Another unique aspect of this policy is the HealthReturns program. It rewards your fitness habits, including daily step counts , health checkups, and Healthy Heart Scores. If you maintain good metrics, you can earn back up to 50% of your premium—redeemable for OPD, renewals, or wellness products.

Mental health coverage is included too. Aditya Birla Activ Fit offers a confidential online assessment that places you on a wellness spectrum, followed by 2–4 consultations with certified mental health professionals for stress, anxiety, or depression support.

That said, if maternity isn’t a priority, you might want to compare this plan against Aditya Birla Activ One Max, Care Supreme, or HDFC Ergo Optima Secure. Those plans offer higher no-claim bonuses, broader OPD features, and richer chronic care management—especially for older adults or families with pre-existing conditions.

➡️ Still confused? Book a free, unbiased consult with a Ditto advisor. We’ll compare Activ Fit against other top health plans and help you pick what actually fits your age, family setup, and future goals. Book here: https://ditto.sh/uw0so8

While pricing is competitive for young buyers, Activ Fit Plus lacks newborn coverage and Activ Fit Preferred has a 3-year maternity waiting period. So planning ahead is key. If you’re already expecting or want shorter waits, other plans like Niva Bupa Aspire may be a better fit.

Our final take? Aditya Birla Activ Fit Health Insurance is ideal for fitness-oriented individuals under 45 who want a plan that rewards their healthy lifestyle, offers unlimited restoration, and comes from a well-capitalized brand. It's not the most feature-rich policy in the market—but if you're focused on wellness, preventive care, and clean digital experience—it’s definitely worth a look.

Still unsure? Book your FREE call with Ditto now. We’ll help you compare options and make a clear, confident choice. Takes under 2 minutes: https://ditto.sh/uw0so8

0:00 – Introduction to Aditya Birla Activ Fit
0:57 – About Aditya Birla Health Insurance
1:38 – For Whom Is Aditya Birla Activ Fit Policy Designed?
2:17 – Policy Features of Aditya Birla Activ Fit
4:26 – Policy Add-ons of Aditya Birla Activ Fit
5:20 – Policy Pricing of Aditya Birla Activ Fit
6:24 – End Thoughts on Aditya Birla Activ Fit

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