Aditya Birla Health health insurance review
What their own claim record says, and which of their plans is worth your money.
Aditya Birla Health settles 96.25% of claims and draws 18.67 complaints per 10,000 claims, fy 2024–26 (3-year average) from IRDAI disclosures. That is 3 of the 10 insurers we track in this category on settlement ratio. We review 1 of their health insurance plan; Activ One MAX scores highest at 4.4/5.
- Claim settlement ratio
- 96.25%
- Complaints per 10,000 claims
- 18.67
- Settlement rank
- 3 of 10
- Our insurer score
- 4.49 / 5
- Book size
- ₹4,920.43 Cr
Aditya Birla Health health insurance plans we rate
| Plan | Score | Cover |
|---|---|---|
| Activ One MAX | 4.4 / 5 | ₹2 L – ₹6 Cr |
- Activ One MAX — The best value on this list, and by a clear margin. It undercuts every other plan at every profile while holding a 96.25% settlement ratio, and the 500% cumulative bonus means the cover you buy at 28 is worth several times as much by 40. The caveats are that restoration starts from your second claim rather than your first, and that maternity is not available at all. If you are young, reasonably healthy and not planning a pregnancy in the next few years, this is where your money goes furthest.
What the claim record means
A settlement ratio is the share of claims an insurer paid in a year. It is the single most useful number about a company, and also the most easily misread: a high ratio on a small book says less than the same ratio on a large one, and it says nothing about how long a claim took or how hard it was to get paid. That is why we read it beside complaint volume — Aditya Birla Health draws 18.67 complaints per 10,000 claims — rather than on its own.
Both figures are fy 2024–26 (3-year average) from IRDAI Annual Report, insurer public disclosures & policy wordings. See how we score plans and insurers.
Frequently asked questions
What is Aditya Birla Health's claim settlement ratio?
96.25%, as fy 2024–26 (3-year average) from IRDAI disclosures. That ranks 3 of the 10 insurers we track in this category. Aditya Birla Health draws 18.67 complaints per 10,000 claims.
Is Aditya Birla Health good for health insurance?
We rate 1 Aditya Birla Health plan in this category. Aditya Birla Health Activ One MAX scores highest at 4.4/5. The best value on this list, and by a clear margin. It undercuts every other plan at every profile while holding a 96.25% settlement ratio, and the 500% cumulative bonus means the cover you buy at 28 is worth several times as much by 40. The caveats are that restoration starts from your second claim rather than your first, and that maternity is not available at all. If you are young, reasonably healthy and not planning a pregnancy in the next few years, this is where your money goes furthest.
How many complaints does Aditya Birla Health get?
18.67 complaints per 10,000 claims, fy 2024–26 (3-year average) from IRDAI's public grievance disclosures. Lower is better.
Compare Aditya Birla Health with other insurers
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Disclaimer: Figures shown here are compiled from IRDAI annual reports and public grievance disclosures, and from insurer public disclosures and policy wordings. Claim settlement ratios and complaint volumes are three-year averages for FY 2024–26. Premiums are indicative illustrations for the stated profile, not quotes — your actual premium depends on your age, health, city, habits and underwriting. Scores are Myinsurancebro's own assessment. Always read the official policy document and speak to an advisor before buying. Myinsurancebro is an IRDAI-licensed insurance advisor — we do not manufacture or underwrite any insurance product.