Aditya Birla Health Insurance vs Go Digit Health Insurance: Overview 2025

Health insurance is essential in today’s fast-paced world, especially in India where healthcare costs are steadily rising. Aditya Birla Health Insurance and Go Digit Health Insurance are two common companies with comprehensive coverages that fit the modern needs of India. Both companies have a variety of plans, distinctive features, digital-first experiences, and preventive wellness benefits, which makes them good options when it comes to families, individuals, and senior citizens.

It is important to know the differences between their premiums, coverage, customer service, and claim process as far as anyone who intends to purchase a medical insurance cover in 2025 is concerned. This article provides a comprehensive, comparative analysis of the two insurers on all major factors.

Industry analysts say that in 2025, more urban Indians are taking comprehensive health insurance riders, OPD covers, and wellness-based plans. Both these providers are reacting to this trend, but in different ways.

What are the Major Differences between Aditya Birla Health Insurance and Go Digit Health Insurance?

Features and Highlights of Aditya Birla Health Insurance Plans

• Wide Hospital Network: More than 12000 empanelled hospitals in India to avail cashless treatment.
• Wellness Rewards: Unique HealthReturns program gives you back part of your premium for leading a healthy lifestyle (tracked via app).
• Flexible plans: Individual, family, senior citizen; sum insured 2 lakh to 2 crore.
• PD and Mental Health Coverage: Outpatient consultations, mental health, day-care procedures are covered by many plans.
• Support and Digital Tools: Claims, queries, teleconsultations, and fitness tracking can be done using the ABHI Care app or WhatsApp.
• No-Claim Bonus: Sum insured can be increased by up to 50 percent per claim-free year, subject to conditions.

Features and Highlights of Go Digit Health Insurance Plans

• User-Friendly Digital Experience: Convenient online purchase, renewals, and claims through the web or app.
• No Room Rent Limit: Your room rent is not limited in most plans, providing flexibility in case of hospitalization.
• Pre-Approval in 30 Minutes: Rapid cashless pre-authorization at partner hospitals.
• Low Waiting Period: Pre-existing diseases have a shorter waiting period compared to most of the competitors.
• Wellness Benefits: Fitness activities will earn reward points that can be used to get premium discounts.
• Wide Sum Insured Options: The cover ranges between 2 lakh and 1 crore with super-top-up options.

Did you realize? Go Digit has been rated among the top five Indian general insurers for its easy digital claim process (IRDAI report, 2024).

What Are Their Health Insurance Plans Comparing to 2025?

Comprehensive Coverage

Both Aditya Birla and Go Digit have plans that cover hospitalization, daycare procedures, pre and post-hospitalization costs, domiciliary treatment and more than 500 daycare treatments. Yet, the high-end plans of Aditya Birla are more concentrated on the wellness reward, whereas Go Digit is concentrated on the simplicity and ease of claim.

Premium Comparison

• Aditya Birla Health Insurance: In 2025, a 30-year-old person with 10 lakh sum insured can expect to pay between 7,500 and 9,200 every year on a basic plan. Family floater plans of two adults and a child begin at 15,500.
• Go Digit Health Insurance: Go Digit plans cost an average of 6,800 to 8,800 per year at the same sum insured and age. Family floater plans begin at 14,000.

Another question is: Which is the lowest priced health insurance policy between Aditya Birla and Digit? Go Digit is viewed as slightly less expensive, however, the wellness benefits and higher claim ratio offered by Aditya Birla may make up the difference in the premium.

Digital Claim and Customer Service

• Aditya Birla Health Insurance: Claim intimation through app, web, or WhatsApp. Most reviewers commend their aggressive claim settlement department and quick approvals of scheduled surgeries. The average answer time to queries is 4 hours.
• Go Digit Health Insurance: A household name in the easy claims department: app-based claim, WhatsApp assistance, and online tracking. The average time that a claim is approved is less than 2 days, according to 2024 data.

Expert insight: Both insurers are advocating paperless, instant settlements. Survey indicates that more than 89 percent of customers of both companies rate digital claim experience as very good in 2025.

Renewals, Portability and Tax Benefits

• Both have lifetime renewal policies where you can port to any insurer as per the guidelines of IRDAI.
• The premiums paid are tax-exempted under Section 80D up to 75,000 in 2025.
• In the most popular plans, no-claim bonus increases the sum insured every year that the policyholder does not make a claim.

More Benefits and Add-on Riders

• Aditya Birla: Second opinion, unlimited sum insured restoration, super top-up, AYUSH cover, and so on.
• Go Digit: Upgrade of zone, waiver of room rent, cash in case of accident, and vaccination cover.

Did you realize? Almost 58 percent of Go Digit customers in 2025 purchase room rent waiver or super top-up as an add-on rider.

Case Study 1: City Young Family

The Malhotra family of Bangalore opted to use the Activ Health Platinum Enhanced by Aditya Birla because of the cashless access to hospitals and the wellness rewards. They are getting a ₹4800 HealthReturns credit last year, which they have used in wellness stores and gym memberships.

Case Study 2: Corporate

Sheal Jain, a 32-year-old marketing manager in Mumbai, moved to Go Digit in 2024 because of its fast claims and low premiums. She had day care treatment and her cashless claim was approved in 3 hours with minimum paperwork.

Another question people pose is whether the elderly above the age of 60 can obtain health insurance through these insurers. Both firms have senior citizen plans that are medically underwritten and subject to waiting periods.

What are the Pros and Cons of Aditya Birla Health Insurance ?

Pros

• Biggest network hospital list amongst the private insurers in India.
• Creative wellness initiatives with rewardable benefits.
• High claim settlement ratio, quick customer support.
• Other plans offer unlimited sum insured restoration and worldwide emergency cover.

Cons

• Premium can be increased in urban areas or in high-risk occupations.
• Wellness benefits may involve medical tests or fitness app tracking
• Certain plans are restricted by room rent; make sure to check before purchasing

What are the Pros and Cons of Go Digit Health Insurance ?

Pros

• Clear plans with affordable prices.
• No sub-limits on most plans (including room rent).
• Digital claim process highly rated, fast settlement.
• Less paperwork; customer support via app.

Cons

• The hospital network, although big, is not as large as that of Aditya Birla.
• Less holistic wellness programs or incentives
• In entry-level policies, maternity and OPD are restricted.

Both have competitive renewal age and tax advantages, but your city and add-ons required may make one a better deal.

Another question that people would like to know is, which is the faster claim settling company between Aditya Birla and Go Digit?
Statistically, both settle majority of claims within 7 days, with Go Digit leading in digital and cashless claims.

Which Is More Family Friendly? Young Professionals? Senior Citizens?

For Families

The extensive plans offered by Aditya Birla with wellness benefits and a wide range of hospitals are a good option to consider by families looking to have a broad coverage with wellness benefits.

Young Professionals

The lower premiums, lack of room rent capping, and smooth digital experience of Go Digit attract younger and tech-savvy policyholders. Go Digit is appreciated by professionals who seek pure protection with minimum add-ons.

Senior Citizens

Aditya Birla provides specialised coverage to senior citizens with no-claim bonuses, annual health check-ups, and increased sum insureds up to 2 crores, whereas Go Digit provides simplified onboarding with reduced waiting periods.

Online Marketplaces: How to Compare Aditya Birla and Go Digit Health Insurance Plans in an Easy Way

In 2025, the majority of consumers shop health insurance policies across multiple companies on digital insurance marketplaces. These websites show all advantages, premium variations, claim ratios, and exclusions within a single window and allow one to select the most appropriate plan that suits you within a few minutes.

Did you realize? More than 70 percent of urban policy buyers now compare and purchase their health insurance online marketplaces, and they are guaranteed to get unbiased reviews by real users.

TLDR:

• Aditya Birla Health Insurance has wider hospital coverage, good wellness benefits, and high claim settlement ratios.
• Go Digit Health Insurance is the best in terms of digital convenience, low-cost plans, and fast claim approval.
• Both companies offer extensive plans to individuals, families, and seniors with digital features and add-on options.
• Premiums are competitive with Go Digit being slightly cheaper on most plans.
• Your best option will be based on what is important to you: wellness, speed of claims, premium, and digital experience.

FAQs People also ask:

Q1: Is it possible to purchase both Aditya Birla and Go Digit Health Insurance on the same person?
Yes, you can have more than one policy and can divide the claim between them as per the IRDAI norms.

Q2: Do entry-level plans cover maternity benefits?
Neither insurer typically provides maternity coverage in a basic plan.

Q3: Who is the better insurer when it comes to people with diabetes or preexisting conditions?
Go Digit usually has a shorter waiting period on pre-existing diseases but do check the specific plans.

Q4: Are fitness tracking mandatory in Aditya Birla wellness plans?
Not mandatory but the use of the wellness app can earn HealthReturns credits and discounts.

Q5: How can I compare health insurance policies in 2025 in a short time?
Use an independent online marketplace that compares various insurers on premiums, benefits, and user reviews in real-time.

Sources:

• Aditya Birla Health Insurance Company Official Website
• Go Digit General Insurance Company Official Website