- Individual and family floater Plan type
- No limits; any room of choice; no ICU day/
charge limits Room rent - 36 months Pre-existing disease waiting
Premium depends on your profile
Aditya Birla Health · ADIHLIP22008V012223
Aditya Birla Health Activ Fit
Aditya Birla Health Activ Fit (IRDAI UIN ADIHLIP22008V012223) is an individual and family floater health insurance plan with sum insured from 5 lakh to 1 crore (11 options). Pre-existing diseases are covered after 3 years.
Premiums depend on age, cover, city, health and the options you choose. Where the insurer published a premium, the figure shown is for the exact profile stated next to it; your premium will differ. Comparezi does not sell insurance or give advice: check the insurer's prospectus and policy wording, which prevail.
In short
Aditya Birla Health Activ Fit is a health insurance plan from Aditya Birla Health. Key specifications: plan type Individual and family floater, room rent Any Room (SI Rs 5 lacs and above), pre-existing disease waiting 36 months. Among health insurance here it fits best for longer pre- and post-hospital cover.
Premium depends on your profile
- Plan type
- Individual and family floater
- Room rent
- Any Room (SI Rs 5 lacs and above)
- Pre-existing disease waiting
- 36 months
Pros
- 90 days of pre-hospitalisation cover, longer than 79% of the 49 health insurance plans on Comparezi that state it
- No co-payment on claims
- No room-rent cap
Who should buy it
- Best for Longer pre- and post-hospital cover · What matters most? (pick any) #1 of 53 health insurance for this
Full specifications
Cover
| Plan type | Individual and family floater |
|---|---|
| Sum insured options | 5 lakh, 7 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 30 lakh, 40 lakh, 50 lakh, 75 lakh, 1 crore |
| Highest sum insured | 100 lakh |
| Entry age | 18 years (adult); 91 days (dependent child, floater); 5 years (individual policy) to 45 years |
| Room rent | Any Room (SI Rs 5 lacs and above) |
| Co-payment | Nil |
Waiting periods
| Initial waiting period | 30 days |
|---|---|
| Pre-existing disease waiting | 36 months |
| Specific illness waiting | 24 months |
Benefits
| Pre-hospitalisation | 90 days |
|---|---|
| Post-hospitalisation | 180 days |
| Day-care treatment | Yes |
| AYUSH treatment | Yes |
| Restore benefit | Binge Refill: up to 100% of Sum Insured, unlimited times, for any illness/ |
| No-claim bonus | 10% of SI per annum, max up to 100% (optional Super No Claim Bonus 50% per annum, max 100%) |
| Maternity | Preferred plan only: normal delivery Rs 40,000 / |
| OPD | Optional cover only |
Insurer
| Health incurred claim ratio (insurer) | 71.5% |
|---|---|
| Claims figures for | FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10) |
| IRDAI UIN | ADIHLIP22008V012223 |
About the Activ Fit
Aditya Birla Health Activ Fit (IRDAI UIN ADIHLIP22008V012223) is an individual and family floater health insurance plan with sum insured from 5 lakh to 1 crore (11 options). Pre-existing diseases are covered after 3 years. It is one of 53 health insurance plans on Comparezi, from Aditya Birla Health.
Information only. Comparezi does not sell insurance, does not give advice and is not paid by insurers. The policy wording issued by the insurer prevails over this summary.
Cover and limits
- Plan type: Individual and family floater
- Sum insured options: 5 lakh, 7 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 30 lakh, 40 lakh, 50 lakh, 75 lakh, 1 crore
- Entry age: 18 years (adult); 91 days (dependent child, floater); 5 years (individual policy) to 45 years
- Room rent: Any Room (SI Rs 5 lacs and above)
- Co-payment: Nil
Waiting periods
- Initial waiting period: 30 days
- Pre-existing diseases: 3 years
- Specific illnesses: 2 years
Benefits
- Pre-hospitalisation: 90 days
- Post-hospitalisation: 180 days
- Day-care treatment: Covered
- AYUSH treatment: Covered
- Restore benefit: Binge Refill: up to 100% of Sum Insured, unlimited times, for any illness/injury
- No-claim bonus: 10% of SI per annum, max up to 100% (optional Super No Claim Bonus 50% per annum, max 100%)
- Maternity: Preferred plan only: normal delivery Rs 40,000 / C-section Rs 60,000 over and above base SI, after 36 months waiting period
- OPD: Optional cover only
How it compares on Comparezi
Of the 50 health insurance plans on Comparezi with a stated pre-existing disease waiting period, 9 have a shorter one and 40 have the same. Of the 49 health insurance plans on Comparezi with a stated post-hospitalisation period, none has a longer one and 21 have the same.
Premium
It depends on your age, cover, city and options. Aditya Birla Health does not publish a premium chart for this plan that Comparezi could check, so no figure is shown. Get a quote from the insurer.
About the insurer
Aditya Birla Health's health incurred claim ratio was 71.50% in FY 2024-25 (IRDAI Annual Report; includes personal accident). An incurred claim ratio compares claims with premiums earned; it is not the share of claims paid.
Similar plans from other insurers
- ACKO Platinum Lite Health Plan (Aditya Birla Health Activ Fit vs ACKO Platinum Lite Health Plan)
- Care Health Care Supreme (Aditya Birla Health Activ Fit vs Care Health Care Supreme)
- Galaxy Health Galaxy Promise - Signature Plan (Aditya Birla Health Activ Fit vs Galaxy Health Galaxy Promise - Signature Plan)
- HDFC ERGO Optima Restore (Aditya Birla Health Activ Fit vs HDFC ERGO Optima Restore)
Other health insurance plans from Aditya Birla Health
Sources
- Brochure (adityabirlahealthinsurance.com)
- Insurer document (PDF) (adityabirlahealthinsurance.com)
- IRDAI publication (irdai.gov.in)
Checked 6 November 2026. Values the documents do not state are left out rather than estimated. See how Comparezi checks data.
Alternatives
Alternatives to the Activ Fit
Care Health
Care Supreme
- Individual and family floater Plan type
- Up to SI Room rent
- 36 months Pre-existing disease waiting
Sample premium
₹12,292 a year*
Galaxy Health
Galaxy Promise - Signature Plan
- Individual and family floater Plan type
- SI Rs 5-20 lakh: up to Deluxe room; SI Rs 25 lakh and above: any room Room rent
- 36 months Pre-existing disease waiting
Sample premium
₹11,573 a year*
HDFC ERGO
Optima Restore
- Individual and family floater Plan type
- No sub-limit on room rent Room rent
- 36 months Pre-existing disease waiting
Sample premium
₹19,589 a year*
Similar cover
Similar health insurance plans
Aditya Birla Health
Activ Health Platinum Enhanced
- Individual and family floater Plan type
- SI Rs 4 lakh and above: options Shared Room /
Single Private A/ Room rentC Room / Any Room; SI up to Rs 3 lakh: Shared Room / Single Private A/ C Room - 36 months Pre-existing disease waiting
Premium depends on your profile
Aditya Birla Health
Activ One NXT
- Individual and family floater Plan type
- No capping - actuals up to base sum insured Room rent
- 36 months Pre-existing disease waiting
Premium depends on your profile
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Questions
Activ Fit FAQs
It depends on your age, cover, city and options. Aditya Birla Health does not publish a premium chart for this plan that Comparezi could check, so no figure is shown. Get a quote from the insurer.
ADIHLIP22008V012223. The UIN identifies the exact product version filed with IRDAI; check it on your policy documents.
3 years, as stated by the insurer.
Room rent as stated by the insurer: Any Room (SI Rs 5 lacs and above).
Co-payment as stated by the insurer: Nil.
Maternity as stated by the insurer: Preferred plan only: normal delivery Rs 40,000 / C-section Rs 60,000 over and above base SI, after 36 months waiting period.
90 days before and 180 days after hospitalisation.
5 lakh, 7 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 30 lakh, 40 lakh, 50 lakh, 75 lakh, 1 crore.
Data sources
- Manufacturer official pages
Last updated
Product details
Disclosure
Links to insurers are not paid. Comparezi earns only from labelled ads, which never affect the Comparezi Score, the order of insurers, or the price shown, which is what the insurer listed when we checked.