What chronic diseases are covered from Day 1 under ABHI?

The Chronic Management Program covers diseases such as diabetes, hypertension, asthma, and other lifestyle-related illnesses from Day 1 of the policy.

How extensive is the hospital network for cashless claims?

Aditya Birla Health Insurance offers access to over 12,900+ network hospitals across India for hassle-free cashless claims.

🤯 SHOCKER: How Aditya Birla Health Insurance Pays You to Stay Healthy! (100% Premium Back Guide)

By: **[Your Name]**, Health & Wellness Expert | Last Updated: November 8, 2025

Aditya Birla Health Insurance (ABHI) operates on a unique ‘Health-First’ philosophy. They don’t just cover illness; they actively reward you for prevention. Their signature **HealthReturns™** program can allow you to earn back up to **100% of your annual premium** by simply focusing on your fitness.

📚 Table of Contents

The Core Differentiator: HealthReturns™ Program
Flagship Plans: Activ Health vs. Activ Assure
Chronic Management & Mental Health Cover
Financial & Trust Factors (CSR and Tax Benefits)

The Core Differentiator: HealthReturns™ Program

This is ABHI’s unique selling proposition. It is a reward system that converts healthy actions into tangible financial value.

How to Earn Maximum HealthReturns™

You earn rewards by accumulating **Active Dayz™**. One Active Day is granted when you meet one of the daily fitness metrics:

**Walk 10,000 Steps** (Tracked via the Activ Health App).
**Burn 300 Calories** in a single exercise session.
Attend an **Affiliated Gym Session** (30 minutes).

To qualify for the maximum return (up to 100% of the premium on certain plans), you must typically achieve **325 Active Dayz** and maintain a good **Healthy Heart Score™**.

Flagship Plans: Activ Health vs. Activ Assure

ABHI plans are generally categorized by the level of wellness integration they offer:

A. Activ Health (The Wellness King)

This plan, particularly the Platinum Enhanced variant, offers the highest potential rewards and comprehensive benefits, including **Mental Health** coverage and the **Chronic Management Program** (Day 1 cover for certain chronic illnesses).

B. Activ One & Activ Assure (The Comprehensive Core)

These plans offer robust core coverage. Activ One features the **Super Reload** benefit, providing unlimited refill of the Sum Insured in a year. Activ Assure is a strong option for those seeking high Sum Insured with excellent no-claim bonuses.

Feature	Activ Health Platinum Enhanced	Activ Assure Diamond
Max HealthReturns™	Up to 100% of Premium	Up to 30% of Premium
Chronic Disease Cover	Yes (Day 1 under CMP)	Standard PED Waiting Period (3 years)
Room Rent Restriction	Generally No Cap (Any Room)	No Restriction

Chronic Management & Mental Health Cover

ABHI is a pioneer in offering coverage for conditions often excluded by traditional insurers:

**Chronic Management Program:** If diagnosed with diseases like **Diabetes, Hypertension, or Asthma**, the program provides cover from day one, along with coaching and testing support to manage the condition.
**Mental Health Cover:** The company provides coverage for **in-patient hospitalization** expenses related to mental illnesses, bringing parity between mental and physical health.

Financial & Trust Factors (CSR and Tax Benefits)

**Claim Settlement Ratio (CSR):** ABHI’s competitive CSR (e.g., **92.97%** for FY 23-24) ensures prompt claim processing.
**Tax Benefit:** Premiums are eligible for deduction under **Section 80D** of the Income Tax Act.
**Cashless Network:** Access to over **12,900+** network hospitals for hassle-free cashless claims

❓ Quick Policy FAQs

How do I track my Active Dayz for HealthReturns™?

You must download the **Activ Health App** and link it to your fitness wearable (like Google Fit or Apple Health). The app tracks your steps and calories automatically to calculate your Active Dayz.

Can I use HealthReturns™ to pay for my next year’s premium?

Yes, the monetary rewards you accumulate as HealthReturns™ can be redeemed to pay a substantial part, or even all (up to 100%), of your next year’s renewal premium.

Is there a waiting period for chronic diseases like Diabetes?

If you enroll in the **Chronic Management Program (CMP)** under plans like Activ Health, these conditions can receive coverage from Day 1, overriding the standard 3-4 year Pre-Existing Disease waiting period.

⚠️ Official Verification & Sensitive Topic Disclaimer

[General Financial / Insurance Disclaimer]

This article contains information for news purposes only. It is **not financial advice**, insurance advice, or investment recommendation. All coverage details, premiums, and HealthReturns™ potential are based on plan documents and are **subject to change**. Always verify the final policy document with a certified agent before purchase.

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