Aditya Birla Health Insurance Company Limited (ABHICL) is a fast-growing player in India’s standalone health insurance sector, known for its differentiated focus on proactive health management and wellness-driven insurance offerings. Incorporated in 2015, ABHICL is a part of Aditya Birla Capital Ltd., the financial services arm of the Aditya Birla Group, one of India’s largest and most respected conglomerates. The company operates in joint venture with MMI Holdings Ltd., a South African financial services group.
Corporate Overview
Headquartered in Mumbai, Aditya Birla Health Insurance is regulated by the Insurance Regulatory and Development Authority of India (IRDAI) and has established itself as a digital-forward and customer-first insurer. Leveraging the Aditya Birla Group’s pan-India presence and brand equity, ABHICL has rapidly expanded to over 600 cities with a distribution footprint through 17,000+ direct agents, 240+ branch offices, and a strong network of bancassurance, brokers, and digital partnerships.
The company has positioned itself as a differentiated health insurer with a unique value proposition focused on incentivizing healthy lifestyles, personalized coverage, and integrated care.
Product Portfolio
ABHICL offers a broad suite of retail, group, and wellness-focused health insurance products tailored for individuals, families, and corporates. Key offerings include:
Activ Health Platinum Enhanced Plan: A flagship policy offering extensive in-patient care, wellness benefits, mental health coverage, and chronic management.
Activ Fit: Designed for young, health-conscious individuals, with dynamic premiums based on lifestyle scores.
Activ Assure Diamond: Covers hospitalization, health returns, pre- and post-hospitalization expenses, and alternative treatments.
Activ Care: Specifically curated for senior citizens, providing chronic care support, no claim-based loading, and lifetime renewability.
Critical Illness Plan: Lump-sum payout on diagnosis of 64 critical illnesses with multi-claim benefits.
Group Health Plans: Customizable solutions for MSMEs and large enterprises, with embedded wellness modules.
Key Features and Differentiators
HealthReturns™ Program: A proprietary wellness reward mechanism where customers can earn up to 100% of premium as rewards for healthy behavior, tracked via fitness devices or app-based logging.
Chronic Management Program: Structured health coaching and active care for diabetes, hypertension, asthma, and high cholesterol.
Integrated Digital Platform: A comprehensive mobile app for claims submission, doctor consultations, policy servicing, and health tracking.
Cashless Network of 10,000+ Hospitals: Ensures wide accessibility for hospitalization and day-care treatments.
In-house Claims Processing: Allows for faster, more transparent claim turnaround times without third-party administrators.
Mental Wellness & Telehealth: Coverage includes mental health services, online therapy, and 24x7 teleconsultation options.
Financial Strength & Market Position
Aditya Birla Health Insurance has demonstrated robust growth in gross written premiums (GWP) and has emerged as a top performer among new-generation health insurers. Backed by the financial strength of the Aditya Birla Group and its international JV partner, ABHICL maintains a strong solvency ratio, prudent risk management practices, and a growing customer base of over 25 million lives covered.
Strategic Direction
ABHICL’s long-term strategy is centered on preventive health, digital transformation, and personalized customer engagement. The company is investing in AI-driven underwriting, predictive health analytics, and wellness-linked product innovation. With a strong brand, robust distribution network, and wellness-first positioning, Aditya Birla Health Insurance is well-poised to redefine the future of health insurance in India.
