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Last updated on: May 20, 2025
The key pain points associated with choosing 1 crore health insurance in India for 2025 include justifying the high sum insured, understanding the layered policy structure, and ensuring inclusion of global and specialized treatment benefits. The featured 1 Crore Health Insurance in India effectively addresses these issues by offering all-inclusive coverage for high-cost treatments, international medical care, critical illnesses, and long-term hospitalization. It is ideal for HNIs, business owners, and families seeking top-tier medical protection without financial limits. The platform enhances user clarity with transparent breakdowns, AI-driven customization based on lifestyle and risk exposure, and expert guidance to ensure maximum return on investment and seamless claims experience.
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Read BioThe process of selecting a health insurance provider in India is a crucial step towards financial security and health coverage. Some of the most trusted names include Aditya Birla Health Insurance and SBI General Health Insurance that provide a wide range of policies with rich features. To choose the appropriate insurance plan, it is necessary to compare such aspects as premiums, coverage, claims, and customer service. In this article, we provide a current and impartial comparison of Aditya Birla Health Insurance and SBI General Health Insurance, so you can make an informed choice in 2025.
Aditya Birla Health Insurance is a health insurance company of Aditya Birla Capital Limited, which was launched in 2015, and offers products like Activ Health and Activ Care series. They are oriented towards wellness and rewards and promote healthy living and prevention.
SBI General Health Insurance is a company that was founded in 2009 and is backed by the State Bank of India. The company has positioned itself with customisable family and individual health insurance solutions, targeting the urban and semi-urban markets through its strong SBI network.
Both insurance companies have a wide range of populations that they cover, with access to extensive hospital networks and streamlined claims. Their distinct methods, however, suit the various consumer needs.
When you are looking at a health policy, you must look at the features, claim process and support structure of the latest year. Here’s a snapshot of what each insurer delivers in 2025.
In 2025, Aditya Birla introduced a feature that enables health rewards points to be exchanged to gain a gym membership or wearable device, promoting preventive healthcare behavior among urban young people.
| Feature | Aditya Birla Health Insurance (Activ Health Platinum) | SBI General Health Insurance (Arogya Supreme) |
|---|---|---|
| Sum Insured Range | 2 lakhs to 2 crores | 3 lakhs to 5 crores |
| Room Rent | Covered without sub-limit in higher options | Covered up to single private room (select plans) |
| Pre and Post Hospitalisation | 60 days pre, 180 days post | 60 days pre, 90 days post |
| Day Care Treatments | 586+ | 540+ |
| Network Hospitals | 13,000+ | 8,000+ |
| Wellness Reward Program | Yes (HealthReturns) | No rewards, No claim bonus instead |
| Chronic Disease Management | Yes (personalised coaching) | Yes (disease management program) |
| Preventive Health Checkups | Annual (free) | Annual (free in some plans) |
| Cashless Claim Approval Time | 2-4 hours | 3-6 hours |
| Co-Payment (if any) | No, unless elderly plans | Optional in select plans |
| Critical Illness Add-on | Available | Available |
| Maternity and Newborn Coverage | Yes (after waiting, top plans) | Yes (only in select plans) |
| PD Benefits | In some policies, yes | Not usually included |
| Policy Tenure Options | 1, 2, 3 years | 1, 2, 3 years |
Case Study 1: Mumbai Tech Professional
Neha, 34, is an employee of an IT company in Mumbai. She is an active exerciser and appreciates wellness programs. She opts for Aditya Birla’s Activ Health Platinum plan with a ₹10 lakh cover. By achieving her HealthReturns targets, she will cover 3200 of her premium in 2020 and will get free annual health checkups and teleconsultation. She appreciates the cashless hospital cover around her home area.
Case Study 2: Retired couple in Kanpur
Mr and Mrs Verma are over 60 years old and reside in Kanpur. Their first priority is the extensive hospital network, particularly in tier II cities, and family plans that are affordable. SBI’s Arogya Supreme with ₹7 lakh cover for both, easy claim process, and strong presence of SBIs networked hospitals in UP suits them well. They are also given a 20 percent no-claim bonus in case they remain healthy.
In 2025, insurance advisors observe that urban millennials in cities such as Bengaluru or Pune are interested in plans that include wellness apps and digital health tracking, whereas SBI family plans are popular in smaller cities because of the brand reputation of SBI.
Pros
Cons
Pros
Cons
Both insurers have digitalised faster claims in 2025:
Aditya Birla:
SBI General:
How do I file a cashless claim with Aditya Birla or SBI?
Both providers allow cashless claims at network hospitals through the production of your policy card and filling out a pre-authorization form at admission. At each step, notifications are delivered by SMS and email.
The top online insurance marketplaces can now enable you to compare premiums, coverage limits, and network hospitals across Aditya Birla, SBI, and other major insurers and even initiate the claim intimation process through a single dashboard. Always use these platforms to check the best offers and deals.
Both insurers offer a variety of add-ons to address the needs of certain requirements:
Are add-ons worth it?
Yes, to cover the events that are not typically covered in base plans, including maternity, expensive procedures, or income loss during hospitalisation.
The following is a comparison of the annual premiums of a 30-year-old person taking 10 lakh sum-insured in a major city:
| Insurer | Base Cover ₹10 Lakh | Wellness Features | Maternity Cover (Add-on) | No Claim Bonus | Total Network Hospitals |
|---|---|---|---|---|---|
| Aditya Birla Health | 8,900 | Yes | 2,200 extra | Up to 50 percent | 13,000+ |
| SBI General Health | 7,300 | Limited | 2,000 extra | Up to 50 percent | 8,000+ |
Premiums are subject to change depending on the age, city, and add-ons, and the type of plan.
Insurance experts advise to consider the claim settlement ratios, renewal age limits, and value-added benefits rather than the brand name. Firms with strong digital support and wellness capabilities are able to provide superior long-term value.
Does Aditya Birla Health Insurance beat SBI General Health Insurance?
Both are good at different things. Aditya Birla is the best in wellness rewards and urban coverage, and SBI General will suit when affordability and extensive rural coverage are needed. Select depending on your needs.
Does SBI General provide health tracking and wellness rewards?
A: No, they don’t have a dedicated wellness reward program like Aditya Birla’s HealthReturns, but they do offer no claim bonuses and discounts.
In India, what is the higher claim settlement ratio in 2025?
In 2025, Aditya Birla had 94 percent settlement rate within 7 days, and SBI General had 92 percent within 10 days. Both are effective.
Is it possible to buy or compare both Aditya Birla and SBI plans online?
Yes, there are a few online platforms where you can compare premiums, benefits, and hospitals offered by various insurers including Aditya Birla and SBI to make the right choice.
Will a knee replacement surgery be covered by my policy?
Yes, both insurance companies cover major surgeries. Before purchasing the policy, read the fine print, waiting periods and sub-limits in the policy brochure.
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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