Aditya Birla Activ Fit Plan (2025)

In a place where fitness has become the latest luxury, having insurance should not only protect you against diseases, but it should pay off on taking care of yourself. This is what the Aditya Birla Activ Fit Plan shall be doing as of 2025. It is not just a regular insurance, as it is your health assistant, which motivates you to act more, live healthier, and get paid at the same time by remaining active.
Activ Fit is more than policy. It is a dynamic wellness-based program, which offers comprehensive medical cover together with reward of your fitness activities. Regardless whether you go to the gym every day or even walk 10,000 steps and stick rigorously to yoga practices, this plan accompanies your choices and doubles your motivation.

What is Activ Fit Plan?

Activ Fit Plan belongs to the health insurance ecosystem of the next generation of Aditya Birla. It comes in an option of Plus and Preferred and targets the health-conscious people and families who take steps to be well. Having a sum insured option ranging between 5 lakh and 1 crore and an insurable age up to 65 years, it is a healthy combination of lifestyle-based rewards and medical coverage.
This plan will be catering to the current generation of people who may have a fit body, and it will include hospitalization, daycare, home treatment, maternity, modern care and mental health. Meanwhile, it provides HealthReturnsTM, premium discounts, and unlimited binge refill, an unusual combination of proactive and responsive insurance.

Why Choose This Plan in 2025?

• Get up to 50 percent of your premium back as HealthReturnsTM by regularly engaging in fitness.
• Unlimited sum insured refill Binge Refill which can be used in the case of the same illness or injury.
• Pre and post hospitalization of 90 and 180 days respectively.
• The additional cost that was above the amount covered was maternity, newborn, vaccination, and stem cell preservation expenses.
• Assisted to evacuate and repatriation in emergency cases.
• Coverage on sexual health consultation, HIV/AIDS, sexually transmitted infections, psychiatric and even robotic procedures.
• Home treatment, day care and domiciliary cover of 100 percent.
• Health check-up and Healthy Heart Score 12 include (annual) starting with policy.
• A discount up to 20 percent with Early Bird and Good Health as well as NCB and family.
• EMI Protection (optional) - 3 EMIs in case of admission to a hospital (6 consecutive days).
• Availability of cashless procedures in more than 10,000 hospitals in India, even during the COVID-19 and menstruation.

What’s Covered? - Inclusions

Activ Fit Plan hotels many provisions with a high level of utility coverages:

• There are 90 pre-hospitalization days and 180 post-hospitalization days costs covered completely.
• Unlimited cover of hospital room rent in case of sum insured 5L and above; ICU charges to be paid on actuals.
• All day care treatments are paid subject to the sum insured.
• The cost of home treatment is reimbursable and covers all the possible treatment such as chemotherapy and dialysis.
• When institutional care is not possible, domiciliary hospitalization is covered.
• AYUSH is fully covered.
• Sexually transmitted diseases and HIV /AIDS are also insured up to the maximum limit.
• Mental illness treatment and diagnosis falls under the primary sum insured.
• Costs of organ donors are met.
• They include modern treatments like stem cell therapy, robotic surgery and oral chemotherapy.
• Additional benefits include maternity benefits of 40,000/60,000 over and above base coverage, plus those of new born vaccinations and stem cell preservation.
• Road ambulance is reimbursed at actuals in the network; up to 3,000 out of the network.
• EMI Protection benefit (add on) pays three EMIs in a month once the hospitalization is above 6 days.
• Travel Protect provided domestic travel emergencies that were backed up by fixed payout.
• Mental Health Assessment program available through her mobile application where consultation would be available.
• Annual health evaluation and the Healthy Heart Score the assessment of total wellness.
• Teleconsultation and physical out patient visits (general and AYUSH) under OPD.
• Premium waiver will be given in case of diagnosis of any critical illness or permanent total disability.
• Non-medical consumable item such as gloves, syringes, etc, under optional add-on.
• HealthReturns way to get rewarded through Active Dayz- accrued by walking 10, 000 steps, workouts that last 30 minutes or burning 300 calories.
• You will be able to get a rebate of up to half a premium upon maintaining consistent fitness tracking.

What’s Left Out? (Exclusions)

Some exemptions are present even though it is comprehensive:

• Any disease or care under the first 30 days waiting period excluding an accident.
• Waiting periods can be 2436 months per particular surgery like joint replacements or hernia repair surgery.
• Cosmetic and other aesthetic procedures that are not essential are disallowed.
• Vision correction items such as spectacles and lenses, hearing aids, etc, are not covered.
• Juvenile injuries or disorders caused by self injury, drug abuse or alcoholism.
• Injuries caused by criminal acts, war, terrorism or nuclear occurrences.
• Therapies that are experimental, unproven or not recognized cannot be paid.
• Treatments that relate to fertility or weight control are uncovered.

Who can purchase this plan?

Activ Fit Plan is suitable to:

• Individuals who are below 35 years and would wish to be rewarded by staying fit.
• Fitness enthusiasts who have fairly regular workouts and desire an insurance cover that matches the pace.
• Healthcare plans with wellness designations that desire to be end-to-end covered with high discounts.
• Anticipating couples who want to find maternity and newborn insurance without being stressed about claim.
• People with loans and who required EMI when there was a health emergency.
• Busy professionals who would like to be managed using technology with the help of the ActivHealth app.

Premium Chart (Indicative – 2025)

FAQs

What is the process of earning?
You can earn up to 50 percent back of your premium amount by Googling Track 13+ Active Dayz 2 Club in a month or 275 times a year through either workouts or steps.

Do the HealthReturns allow redemption?
Yes. It can be utilized to pay the drugs; checkups, or even future premiums, or as a back-up medical option.

What do I do when I do not file a claim altogether?
You are rewarded with No Claim Bonus at the rate of 10% per year maximum 100%. You can receive up to 100 per cent more with Super NCB add-on.

Does this plan include OPD?
Yes. Teleconsultation and face to face consultation with general and AYUSH doctors are reimbursed.

Is Binge Refill limited?
No. There is no limit such as the number of times one can go to replenish sum insured even on the same illness within a policy year.

Final Thoughts

Aditya Birla Activ Fit Plan is transforming the idea of what health insurance must be; supportive, proactive as well as rewarding. It motivates you to exercise by providing a space on the treadmill, it provides you peace of mind when there is a medical emergency and when life takes a serious turn and goes beyond expectations, then it will help you by waiving the premiums. This plan is made keeping in mind the meek who take things seriously in life when it comes to leading a good life. Activ Fit is more than a policy; it turns out to be a fitness supporter, financial investor, and an encouraging device. Your health cover in 2025 must not only wait to visit you when you are already sick but also walk, run and exercise with you.