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Last updated on: September 22, 2025
The Aditya Birla Activ Classic Plan and Activ Fit Preferred Plan are both health insurance options, but they cater to different needs. The Activ Classic Plan offers comprehensive coverage for individuals and families with benefits like hospitalization, pre-and post-hospitalization, and day-care treatments at affordable premiums, making it suitable for standard coverage seekers. In contrast, the Activ Fit Preferred Plan is tailored for fitness enthusiasts, offering wellness rewards, OPD benefits, gym memberships, and coverage for sports injuries, encouraging healthier lifestyles alongside insurance protection. While both plans cover essential hospitalization expenses, the Activ Fit Preferred Plan stands out with its wellness-centric features, higher customization, and incentives for maintaining fitness, whereas the Activ Classic Plan focuses on broader and straightforward medical coverage. Your choice should depend on your lifestyle and whether you seek traditional coverage or added wellness incentives.
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Do you want to find the most appropriate health insurance cover in 2025 either on behalf of your family or yourself? Aditya Birla Health Insurance has two famous selections, Activ Classic Plan and Activ Fit Preferred Plan, which tend to be compared according to their peculiarities, advantages, and financial worth. This guide would be able to make you know the difference and similarity between these two health insurance products. We immerse ourselves in their major highlights, coverage, premium, eligibility, and special benefits, hence making a wise and sure decision.
Aditya Birla Activ Classic Plan is a standard health insurance policy that suits very well to individuals and families. The plan will provide extensive healthcare cover, affordable premiums, and viable optional covers which are applicable to all age groups in 2025.
Aditya Birla Activ Fit Preferred Plan is a health insurance policy that is designed to suit the young generation and health conscious individuals. It is mainly centered around fitness, mental and digital wellness, with a combination of conventional healthcare and lifestyle rewards.
Did you know? Young working professionals in 2025, according to experts, would favor the plans that reward active lifestyles as is the case with the Activ Fit Preferred Plan which is on high demand.
The choice between Activ Classic and Activ Fit Preferred will mostly depend on age, family status, health care practices/profession, and other prospective needs.
Pros
Cons
Pros
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Professional Pointers: Insurance advisors recommend putting rider options and wellness benefits to check before purchasing since they both can be customised.
| Plan Name | Minimum Sum Insured (INR) | Maximum Sum Insured (INR) |
|---|---|---|
| Activ Classic | 2 lakh | 1 crore |
| Activ Fit Preferred | 5 lakh | 30 lakh |
The rates of premiums depend on the age, the amount of sum insured, the city and the term of the policy. In 2025, average yearly premiums of such plans will be:
| Age Group | Activ Classic (5 lakh, Individual) | Activ Fit Preferred (5 lakh, Individual) |
|---|---|---|
| 25 years | [?]5,200 | [?]4,300 |
| 40 years | [?]7,800 | [?]6,900 |
| 60 years | [?]18,500 | Not Available |
Note: Indicative figures are subject to change in case of floater options or a particular add-on covers.
Activ Classic Plan
Activ Fit Preferred Plan
Did you know? In the Activ Fit Preferred Plan of 2025, customers with an active health profile are eligible to receive up to 20 percent of renewed premiums.
| Aspect | Activ Classic | Activ Fit Preferred |
|---|---|---|
| Entry Age | 5 years and above | 18 to 35 years |
| Maternity Cover | Optional | Not covered |
| Fitness Rewards | Limited | Maximum |
| Mental Health | Not normal | Included |
| Chronic Disease | Yes | Yes |
Another question is: do you have to use fitness tracking in Activ Fit Preferred Plan?
No, it is not mandatory but very much advisable to maximise rewards and reduce renewal premiums.
Specialist Opinion: Activ Classic provides greater freedom and choice over Activ Fit Preferred in case of adding ageing parents.
Classic Plan Add-Ons
Fit Preferred Plan Add-Ons
The two plans are both cashless in network hospitals. Claims can be made via digital application or the site of Aditya Birla Health. Those are typically quick settlements, in 10 working days to have full documentation.
Also people question: Can I port my current health insurance down to Activ Fit Preferred Plan?
Yes, it is portable with IRDAI guidelines, yet it can have age requirements, and underwriting can be used.
| Aspect | Activ Classic Plan | Activ Fit Preferred Plan |
|---|---|---|
| Perfect on | Families, all ages | Young, fit people |
| Sum insured | Up to 1 crore | Up to 30 lakh |
| Premium | Slightly better | Less expensive among young adults |
| Maternity Cover | Yes (Optional) | No |
| Entry Age | 5 years and above | 18 to 35 years |
| Essential Specialisation | Health, hospitalization | Fitness, digital wellness |
What is the plan of mental wellness?
Activ Fit Preferred Plan comes with mental health coverage. Activ Classic can be in need of riders or add-ons.
May I include my parents to Activ Fit Preferred Plan?
Typically, this is only restricted to younger adults, and it might not insure parents who are more than 35 or 40 years old.
Does Activ Fit Preferred have health checkups on first year?
Yes, in both plans, the first year with annual checkups is in place, depending on the terms of the policy.
Will I get tax benefits?
Yes, both plans attract tax benefits in terms of Section 80D according to the Indian Income Tax regulations of 2025.
How could we improve this article?
Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.
The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.
This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.
Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).
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