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Health Insurance ReviewREXI Analysis 2026
Aditya Birla Activ Health Platinum
Wellness rewards that actually reduce your premium every year.
4.3/5(88 reviews)
Claim Ratio: 94.40% (FY 2023-24)
Overview
Aditya Birla Activ Health stands out with its HealthReturns program — you earn returns up to 30% of your premium by maintaining an active lifestyle. No room rent limit on Platinum variants. Strong digital experience and quick cashless network.
Room Rent Limit
No limit on Platinum variant
Best For
Health-conscious, tech-savvy families who want insurance that rewards healthy behaviour and can earn back significant premium over time.
What We Like
- HealthReturns — earn back up to 30% of annual premium via wellness tracking
- No room rent limit on Platinum variant
- Chronic management program covers listed conditions from Day 1
- Strong hospital network (8,000+) with quick cashless approvals
Watch Out For
- HealthReturns require active app tracking — effort needed to redeem
- Higher premiums than budget plans
- Some add-ons have separate waiting periods
- PED waiting period 36 months
Products Offered
Activ Health PlatinumActiv Health EnhancedActiv Secure
Disclaimer: This review is based on publicly available information, IRDAI data, and REXI's policy analysis. Ratings are our editorial opinion. This is not financial advice — always read the full policy document before purchasing. Claim settlement ratios are sourced from IRDAI Annual Reports.