Watch the video review
What this video covers (18 chapters)
- 0:00Aditya Birla Activ Yuva review
- 0:41Key features
- 1:01The bonus: how far ₹10 lakh can grow
- 1:192X cover on the first claim
- 1:33Health Returns: the renewal discount
- 1:54Add-on 1: OPD cover
- 2:43Add-on 2: maternity cover
- 3:08Add-on 3: Income Protect
- 3:22Add-on 4: health check-up
- 3:38Waiting periods
- 4:10Key exclusions, and when a co-payment applies
- 4:47Premium for a 30-year-old couple in Mumbai
- 5:14Bonus cap and premium zones
- 5:43Health Returns: green, amber and red
- 6:21What it takes to get 100% off
- 7:00Claim settlement ratio and complaints (IRDAI data)
- 7:45Who should buy it, and who should skip it
- 8:03Book a free call with a nyvo advisor
Activ Yuva in one table
Claim settlement and complaint figures are IRDAI-published and held centrally by nyvo, not taken from the insurer's marketing.
What Activ Yuva covers
These are the terms that decide what you are actually paid when you claim. Room rent, co-pay and restoration do more to shape a settlement than the sum insured does, and they are read from Aditya Birla's own policy wording.
Swipe the table sideways to see every column.
| Feature | This plan | What good looks like |
|---|---|---|
| Co-payment | None as a standing rule, at any age or in any city. Three conditional ones apply: 10% if a stay longer than 7 days is not reported within 7 days of admission (9 days after a road accident), 20% on an organ transplant at a non-network hospital when the notice or biopsy rules are missed, and 20% on OPD add-on claims paid by reimbursement | No Co-payment |
| Room Rent Limit | No cap: room rent and ICU charges at actual cost, any room, up to the sum insured. The optional Room Rent Type Option limits the room category to a single private AC room or shared accommodation | No room rent capping |
| Disease sub-limit | None on covered hospital treatment. Day care, listed modern procedures, mental illness, HIV/AIDS and STD, bariatric surgery that meets the policy's conditions, road and air ambulance, and the organ donor's in-patient costs are each paid at actuals up to the sum insured. Named treatment exclusions still apply, and sub-limits sit only inside optional covers: OPD, durable equipment and egg freezing | No sub-limit |
| Yuva Credit (annual bonus) | 100% of the base sum insured added at every renewal without a break, whether or not you claimed, up to 1000%. A ₹10 lakh base becomes ₹1.1 crore of cover in year 11. Built in, but it does not apply if you choose Unlimited sum insured | 50% each year (Minimum upto 100%) |
| Yuva Reload (restoration) | The first admissible claim in the life of the policy can use twice the base sum insured. After that the base cover refills an unlimited number of times a year, for the same illness or a different one, and what Yuva Reload pays on any single claim cannot exceed the base sum insured. Not available with Unlimited sum insured | 100% restoration once in a year |
| Minimum hospitalisation | 2 consecutive hours (24 hours for AYUSH, no minimum for day care). A medically managed, non-surgical stay under 24 hours that could have been treated as an out-patient is not paid | 24 hours is the usual minimum |
| Pre-Hospitalization | 90 days, up to the sum insured | At least 60 days |
| Post-Hospitalization | 180 days, up to the sum insured | At least 120 days |
| Consumables (Claim Protect) | Built in. Every non-medical item on all four lists of Annexure I is paid on an admissible claim | Consumables covered |
| Day-Care Treatment | All day care treatments covered up to the sum insured, with no procedure list | Covered without a capped list |
| AYUSH Treatment | In-patient treatment at an AYUSH hospital or AYUSH day care centre, up to the sum insured, after an admission of at least 24 hours | Included |
| Ambulance | Road and air ambulance within India, at actuals up to the sum insured. Air ambulance only when the treatment you need is not available where you are | Included |
| Home Health Care and Domiciliary | Both up to the sum insured. Home health care is cashless only, through the insurer's network, in select cities. Domiciliary treatment must run at least 3 consecutive days | Included |
| Annual Health Check-up | Not built in. The Yuva Health Check-up is an optional cover. What is built in is a yearly Health Assessment, a digital face scan or a physical test of blood pressure, blood sugar and cholesterol, which sets your Healthy Heart Score for HealthReturns | Included |
| HealthReturns | Up to 100% of the premium back as rewards. Only a Green Healthy Heart Score can reach 100%. The wording's route is 13 or more Active Dayz every month (30%) plus 325 in the year (20% at 275, 50% at 325), and the total, boosters included, is capped at 100%. The grids top out at 40% for Amber and 20% for Red, and EAT and HEAL boosters add up to a quarter more to what is earned. Spend it on renewal or on OPD and other health costs | Wellness reward available |
| Entry age | Adults 18 to 65 at entry, renewable for life. Children 91 days to 25 years on a floater or multi-individual policy | No maximum entry age |
Activ Yuva add-ons you can buy with it
Each of these costs extra and each has its own conditions. Some are genuinely worth it; several exist to patch a gap in the base plan. Ask what each one adds before it goes on your quote.
Activ Yuva discounts you can ask for
Published discounts on this plan. Most are applied at quote stage rather than offered, so it is worth naming the ones you qualify for. Every figure is a ceiling, not a promise: what you actually get depends on the case.
Swipe the table sideways to see every column.
| Discount | Worth | When it applies |
|---|---|---|
| HealthReturns | Up to 100% of premium | Not a discount at purchase but a reward earned through a Green Healthy Heart Score and steady activity, spendable on renewal or on health costs. The 100% is counted on the base premium plus four optional covers, not on OPD, maternity, Income Protect or FitForward premium. |
| Family discount | Up to 25% | For two or more members on one policy. |
| Long-term discount | Up to 15% | Up to 7.5% on a 2-year policy, up to 10% on 3 years, up to 12% on 4 years and up to 15% on 5 years. |
| TravelCredits (ON/OFF) | Up to 15% | For an adult who switches their domestic cover off in the app while abroad: up to 3% of that year's base premium for 15 to 29 days, rising in steps to up to 15% for 75 to 90 days, taken off the next renewal. |
| Upfront good health discount | Up to 25% | First year only. The prospectus lists it without setting out who qualifies, so ask what applies to you at proposal. |
From the Activ Yuva prospectus, Section H, and the policy wording's ON/OFF and HealthReturns sections.
Activ Yuva waiting periods: when each part of the cover starts
Waiting periods run from the day cover began, not from the day you fall ill, and they run in parallel rather than one after another.
| Initial Waiting Period | 30 days, except for accidents |
|---|---|
| Specific Illness | 24 months, or 1 year with the reduction option bought at inception |
| Pre-Existing Disease | 24 months, or 1 year with the reduction option bought at inception |
| Maternity add-on | 1, 2 or 3 years, as you choose |
| OPD add-on | 30 days |
The named illnesses that wait 24 months
Taken from the Activ Yuva policy wording, section D.1.2. These wait 24 months from the start of your first policy, or 1 year with the reduction option. An accident is covered from day one. If the same condition is also pre-existing, the longer of the two waits applies. Indicative list: the wording carries the full set.
Activ Yuva exclusions: what the plan will not pay for
Every policy carries exclusions, and they are the clauses people read for the first time at claim stage. These are the ones worth knowing before you buy.
Where Activ Yuva falls short
No plan is right for everyone, and a page that only lists strengths is not much use to you. These are the gaps we would raise on a call before recommending it.
Activ Yuva questions, answered
Is Aditya Birla Activ Yuva a good health insurance plan?
It is a strong plan for a young, healthy buyer who will track their activity. The wording gives no room-rent cap, no standing co-payment, consumables paid, 90 days before and 180 days after an admission, a 2-year pre-existing disease wait, cover that grows by 100% of the base each year to 1000%, and twice the cover on the first claim. The 100% premium back needs a Green health score and 325 active days a year, and OPD, maternity and the full health check-up cost extra.
How does Yuva Credit grow my cover?
By 100% of your base sum insured at every renewal, whether or not you claimed, up to 1000%. A ₹10 lakh base reaches ₹1.1 crore of cover in year 11, and a ₹20 lakh base reaches ₹2.2 crore. It accrues only while you renew without a break, it shrinks in proportion if you cut the base cover at renewal, and it does not apply if you choose Unlimited sum insured.
What does 2X cover on the first claim mean in Activ Yuva?
Your very first admissible claim in the life of the policy can use twice the base sum insured. It happens once per policy, not once a year. From the second claim on, Yuva Reload refills the base cover an unlimited number of times a year, for the same illness or another, and what it pays on any single claim cannot exceed the base sum insured. Neither applies if you choose Unlimited sum insured.
How do I get 100% of my premium back with HealthReturns?
Only a Green Healthy Heart Score can reach 100%. The wording's route is 13 or more Active Dayz every month and at least 325 Active Dayz in the policy year: 30% comes from the monthly grid, 20% from reaching 275 days and 50% from reaching 325, and the total, boosters included, is capped at 100%. An Active Day is 10,000 steps, 300 calories in one session, 30 minutes at a partner gym or yoga centre, or a recognised marathon, walkathon or cyclothon. Amber tops out at 40% and Red at 20% on the grids.
Can HealthReturns be used as a discount on renewal?
Yes. HealthReturns you have not spent are adjusted against your next renewal premium, up to the previous year's premium, after any TravelCredits. During the year you can instead spend them on OPD bills, a fitness wearable, gym and wellness costs, AYUSH treatment beyond your limit, or a hospital bill once the sum insured runs out, with up to four reimbursement claims a year.
What are the waiting periods in Activ Yuva?
30 days for any illness other than an accident, 24 months for a named list of conditions and surgeries, and 24 months for pre-existing diseases. Both 24-month waits can be cut to 1 year if you buy the reduction options when you first take the policy and pay for them for two years. The maternity add-on has its own wait of 1, 2 or 3 years, as you choose.
Is there any co-payment in Activ Yuva?
Not as a standing rule. The wording adds three conditional ones: 10% of the claim if you stay in hospital more than 7 days and do not tell the insurer within 7 days of admission (9 days after a road accident), 20% on an organ transplant at a non-network hospital if the notice or biopsy rules are missed, and 20% on OPD add-on claims paid by reimbursement because cashless was not available.
Does Activ Yuva cover maternity?
Only through the optional Worldwide Yuva Maternity Cover. It pays ₹1, 1.5 or 2 lakh, anywhere in the world, for one delivery, 180 days of care before and after it, IVF and other assisted reproduction, and adoption costs up to ₹50,000, after a wait of 1, 2 or 3 years. You can start the wait while single and it carries over to a spouse added later, but a claim is paid for a woman covered as the legally married spouse of the primary insured, so ask how that applies to you before you buy.
Does Activ Yuva include a free annual health check-up?
Not a full one. A yearly Health Assessment is built in, either a digital face scan in the app or a physical test of blood pressure, blood sugar and cholesterol, and its job is to set your Healthy Heart Score for HealthReturns. The comprehensive Yuva Health Check-up, with a blood panel and a dental and an eye consultation, is an optional cover you pay for.
What is the ON/OFF feature in Activ Yuva?
It lets an adult switch off their own domestic cover in the app while abroad for at least 15 days and earn TravelCredits off the next renewal: up to 3% of the base premium for 15 to 29 days, rising in steps to up to 15% for 75 to 90 days. Boarding passes must be uploaded within 72 hours of leaving and of returning. While cover is off, no claim is paid for that person except under the maternity add-on, and waiting periods keep running.
What is the age limit for Activ Yuva?
Adults can join from 18 to 65 and renew for life, according to the Activ Yuva prospectus, and children join from 91 days to 25 years on a floater or multi-individual policy. The plan is pitched at young buyers and the maternity add-on can only be chosen between 18 and 45, so confirm the age your quote accepts before you plan around a later entry.
Read it from the insurer
We summarise. The policy wording is the contract, and it is the only document that settles a dispute. These links go to the insurer's own pages.
Understand the terms before you commit
A plan page tells you what this policy does. These explain why each term matters and what it costs you when it is missing.
Other Aditya Birla plans we have read
Aditya Birla files these separately, and the terms differ between them. If you are choosing within the range, compare the waiting periods and the exclusions rather than the sum insured.