Aditya Birla Activ Health Essential Plan (2025)- Everything you need to know about it!
With the increasing rate of healthcare expenses in India, most families are seeking health insurance that is pocket-friendly and also loaded with benefits. It is even more important to find a policy that will cover even the treatment following the first day in the case of individuals who suffer lifestyle related illnesses such as diabetes or high blood pressure. The Aditya Birla Activ Health Essential Plan is an intelligent and low-cost alternative that individuals and their families seeking solid health covers without chronic or long-term conditions waiting periods would benefit in 2025.
The policy is intended to ensure that everybody can access health covering on day one of the policy, more so those with preconditions such as diabetes, high blood pressure, asthma, and cholesterol. It has gathered the fundamentals of hospital insurance along with health preventive tools such as check-ups and physical activity incentives.
What is Aditya Birla Activ health Essential Plan?
Activ Health Essential Plan is a complete plan of health insurance provided by Aditya Birla Health insurance. It falls in Platinum group of plans within the Activ Health product line.
This plan unlike many others is inclusive of the common chronic diseases since Day 1. You also have access to fitness coaching, consultations with the doctors, diagnostics, annual health check-up, and modern treatment support.
What Makes Activ Health Essential a Good choice in 2025?
The following are the major reasons why Activ Health Essential plan will be an excellent decision in 2025:
- Day 1 cover of doing lifestyle diseases: asthma, high BP, cholesterol, diabetes
- Waiting period of such diseases is not applicable
- Reach to Health Coaches in regards to diet and exercise plans
- Preventive health check up annually Day 1
- No-cash treatment in more than 11,000+ collaborated hospitals
- Daycare procedures, road ambulance, and contemporary treatment coverage
- Get your money back in Health Returns up to 50 percent in premiums
- Waiver of co-pay add-on is available
The most important advantages of Activ Health Essential Plan
1. One Day Coverage on Chronic Conditions
In case you have asthma, high blood pressure, cholesterol, or diabetes (type 1 and 2), your need will be covered since the first day of your treatment according to this plan. Fereign there is 24 month wait, no exclusion on these diseases.
2. Chronic Managing Program
That is, the Chronic Management Program will automatically upgrade you to in case you manage to develop such a condition later but you did not have it in time.
3. Professional health Coach
Find the app with fitness and diet coaches who can give personal advice. These comprise workout schedules, nutritional graphs and health monitoring.
4. Preventive Health Check- studies
Since the introduction of the policy, you will be able to receive a free health check-up annually. It entails regular tests such as blood sugar, ECG, lipid profile among others.
5. HealthReturns™ Rewards
Being active, completing workouts, or taking a certain number of steps will help you receive rewards as much as 50 percent of your premium. This premium can be paid at the premiums or can be used to purchase medicines.
HealthReturns
Depending on the fitness activities you do such as walking and exercising, you are allowed to effect HealthReturns 0 at the end of every month. The healthier you are, the more money you get. One can use these rewards on:
- Contributions that will be paid in future to pay the premiums
- Purchasing of medicines
- Reservation of tests and consultation appointments
Highest amount that can be earned: 50 per cent of your annual premium
Free on an annual basis, Health Check-Ups
You do not have to wait before you receive a preventive health check-up even in the first year of coming on board. They are the tests:
- Fast Blood Sugar
- Lipid Level
- ECG
- CBC
- Liver and Kidney functio
- Thyroid Function ( optional )
The Chronic Management program support
As soon as you are thrown an answer of any of the conditions listed as chronic:
- Your name is automatically enrolled into the Chronic Management Program
- Medical team that is assigned takes up follow up of treatment and improvement
- Up to 4,350 is covered towards doctor consultations and test diagnostic
- This is to assist you on how to deal with diabetes, cholesterol, BP and asthma without going to hospital frequently.
Activ Health Essential Plan Premium (2025)
| Age Band | ₹5 Lakh Cover | ₹10 Lakh Cover |
|---|---|---|
| 25 – 30 years | ₹6,000 – ₹7,500 | ₹9,500 – ₹11,000 |
| 31 – 35 years | ₹6,800 – ₹8,600 | ₹10,800 – ₹12,500 |
| 36 – 40 years | ₹8,200 – ₹9,500 | ₹12,000 – ₹13,900 |
| 41 – 45 years | ₹9,400 – ₹11,200 | ₹13,500 – ₹15,800 |
| 46 – 50 years | ₹11,500 – ₹13,700 | ₹15,800 – ₹18,200 |
| 51 – 55 years | ₹13,900 – ₹16,000 | ₹18,200 – ₹20,700 |
| 56 – 60 years | ₹15,500 – ₹17,800 | ₹20,700 – ₹23,500 |
| 60+ years | ₹17,900 – ₹21,200 | ₹23,500 – ₹27,000 |
What Does the Plan Cover?
Here’s what you get when you buy the Activ Health Essential plan:
| Coverage Type | Details |
|---|---|
| Hospitalization Cover | Covers medical expenses for more than 24-hour hospital stays |
| Chronic Conditions from Day 1 | Asthma, BP, Cholesterol, Diabetes (Type 1 & 2) |
| Daycare Treatments | All day-care procedures covered |
| Pre & Post Hospitalisation | 30 days before and 60 days after hospitalisation |
| Cashless Home Treatment | Available for listed diseases (e.g., chemotherapy, dialysis) |
| Modern Treatments | Laser, robotic, advanced procedures covered as per limits |
| Ambulance Charges | Included for emergency transfers to hospital |
| Doctor Consultation & Diagnostics | Covered up to ₹4,350 annually |
| Preventive Health Check-ups | Annual check-ups from day 1 |
| Fitness Coaching | App-based expert consultations on health and nutrition |
Permanent Exclusions
Activ Health Essential like any kind of insurance plan, has certain exclusions:
- Shallowed surgeries such as cosmetic and plastic surgeries
- Hearing aids, spectacles wearers and contact lenses
- Infertility or weight loss regimens
- Condition of drug or alcohol abuse-related conditions
- Self inflicted injury or crime
- War or insurgency injuries
To find the entire list of exclusions refer to policy wording.
How to Obtain Activ Health Essential Plan?
The following is the procedure of applying to the plan:
Step 1- choose your sum insured.
Choose between 10 Lakh or 5 Lakh according to your need.
Step 2: choose Policy Tenure
There is the option of 1, 2 or 3 years.
Step 3: complete Proposal Form
Provide health and KYC information. Many samples up to the age of 55 are not subject to tests.
Step 4: Online Pay or pay via Agent
Either have the policy issued electronically or through the assistance of a certified advisor.
Step 5: Download E- Card
The recipient can use this card in 11,000+ cashless network hospitals.
Who is the target customer of this plan?
It is a policy that will fit well with a large number of individuals in 2025:
- Individuals who have diabetes or high blood pressure or cholesterol complications
- People having active urban lifestyles who require OPD, fitness, and digital services
- Families that desire cashless coverage and benefits in health and wellness 2 plans
- Working youth who want to get rewards by getting in shape
- Senior citizens who seek care on short-notice without spending much money
FAQ on Aditya Birla Health Essential Plan
1. Is this plan just about individuals with chronic conditions?
No, this is a plan of everyone. However, it is going to offer special Day 1 coverage to those individuals who already have some chronic conditions.
2. Is it possible to purchase the plan on behalf of the parents?
Yes. It is possible to purchase such a plan to your parents, even when their ages are more than 60. There is Day 1 of chronic diseases.
3. Should I perform a medical test?
Most people do not require this before age 55. Then it is up to your health declaration.
4. Is this plan able to give me OPD consultations?
Yes. The consultations and diagnostics up to 4350/year will be reimbursed.
5. What is HealthReturns program?
With this program, you will be rewarded on being an active and healthy human being. You will be reimbursed by getting back up to 50 percent of your premium.
6. Do I have the opportunity to take the plan online?
Yes. To have it issued on-line, you can go to the site of the insurer or consult an agent.
Summary
Activ Health Essential Plan is the plan of the Aditya Birla Health Insurance Company that is 2025-ready and has a different way of looking at health insurance. This plan will provide you with not only hospital protection but with the help of Day 1 coverage of the most popular chronic diseases, zero waiting list, fitness incentives, and digital health tools to remain fit and healthy.
It is cheap, convenient and serves individuals with lifestyle diseases or who wish to have collocation between fitness and insurance to get one simple plan. Regardless of whether you are a young professional, parent, or a retired couple, this plan provides a correctly balanced support, savings, and security.