Aditya Birla Activ Yuva Review 2026: Is the 100% Premium Discount Real?

0:02Today, we will talk about a newly launched plan for young people.

0:06And it also claims you to give 100% premium back.

0:07Does that claim hold true?

0:09Today, we will deep dive into that.

0:11Hi everyone, I am Kshitij, founder of nyvo,

0:14and welcome to nyvo insurance policy analysis.

0:17Today, we will talk about newly launched plan,

0:19Aditya Birla Activ Yuva, and we will directly tell you about the

0:22plan from its brochure, its policy wordings,

0:24and all the other material so that you get the right information.

0:28First, I will talk about key features of the plan,

0:31then the add-ons, then the standard waiting periods and exclusions.

0:35Then, we will get into premiums of the plan.

0:36And lastly, we will see Aditya Birla's IRDAI performance data directly

0:40from the source.

0:42So, let me deep dive into the features of the plan.

0:43Overall, this is a good plan with no hidden features.

0:47There is no room rent limit, you can take any room you want.

0:51There is no sub-limits in the plan for any kind of surgeries.

0:54There is no co-payment in the plan.

0:56Apart from that, they have added 2 hours of hospitalization cover

0:57where you can get your claim when you are hospitalized for more

1:01than 2 hours.

1:02So, if you take a policy of 10 lakh, that bonus will keep on increasing

1:07100% every year from 10, 20, 30, and it will go up to 1.1 CR.

1:12And this is a guaranteed bonus, that is if even if you claim in

1:15any year, next year you will get the bonus and your base will be

1:19restored.

1:20Also, they give you 2X on the first claim,

1:22where you will get 2X of your cover for the first claim only.

1:26This is different from HDFC ERGO Optima Secure Plus,

1:28which gives 2X bonus overall, but here, this 2X is applied on the

1:32first claim, so please keep in mind the difference.

1:35And the most stand-out feature in Aditya Birla is their Health

1:37Returns,

1:38which they say that if you remain active,

1:39you can get up to 100% discounts on renewal,

1:42and they mention the conditions for the same in which we get into

1:46details in premium and discount section.

1:49But this feature is unique to Aditya Birla,

1:50where they are saying they can give 100% discount on premiums on

1:54renewal.

1:54Now coming to add-ons.

1:56They have made this plan full of add-ons,

1:58and it can become very difficult to understand all the add-ons.

2:03So I will talk about four key add-ons that may be relevant for

2:06you.

2:06First, OPD cover.

2:07This plan comes with a large OPD cover that you can take from 1x

2:10of your premium up to 5x of the premium.

2:13Obviously, the option you select, your premium will increase or

2:16decrease accordingly.

2:18Now, this OPD can be taken as cashless facility within network

2:21partner clinics.

2:23So you have to take a cashless facility that can be booked through

2:25their app and you can consume that OPD cover.

2:28But remember, there are again sub-limits in this OPD cover where

2:31the doctor consultation will be 35%, diagnostics will be 35%,

2:35and other such sub-limits which you should remember while taking

2:39the plan.

2:39Your complete OPD cover can't go towards doctor consultation,

2:42etc.

2:43Second, this policy also provide a good maternity add-on where

2:46even a single women can take this add-on and can start the waiting

2:50period for their pregnancy after their marriage.

2:53Now it is option to have waiting period of 1 year,

2:552 years, or 3 years and then this maternity cover is worldwide

3:01accepted.

3:02But the only thing is that if you take this maternity cover your

3:03premiums will shoot up.

3:06So see if you actually require this maternity cover or not.

3:09Third, this plan has introduced a new type of add-on which is income

3:11protect, where if you are hospitalized above 7 days,

3:14they will give you a cash of lump sum of 50,000 or 1 lakh rupees,

3:17which will kind of replace your income and help your family with

3:22the expenses.

3:23Fourth, this plan doesn't have in-built annual health check-up.

3:25So you will need to take it as a separate add-on and you can get

3:28your health check-up done.

3:30These are the four key main add-ons in this plan,

3:31which makes it also different from other plans.

3:34There are more add-ons, but they are not much relevant and can

3:37be looked at need-to-need basis.

3:40Now coming to waiting periods and standard exclusions.

3:42This plan has changed the waiting periods a bit from the standard

3:45waiting periods you will see in other policies.

3:47So please listen carefully.

3:49There is a 30-day cooling off waiting period which is similar to

3:51other policies.

3:52There is two years specified illness waiting period.

3:55But here's the change.

3:55They have changed from three-year pre-existing period which you

3:58see in generally all other policies, they have changed that to

4:01two years.

4:02So, in case you have any pre-existing disease,

4:04you can get covered after 2 years instead of waiting for that for

4:083 years.

4:09So, that's the main difference that this plan has created.

4:11Now, coming to key exclusions.

4:13The standard exclusions are similar to other policies where cosmetic

4:16surgeries, anything related to war kind of event,

4:19any injury due to adventurous sports are not included in this plan.

4:23But there are couple of more conditions this plan has added.

4:26One, if you are hospitalized for more than 7 days and you don't

4:28inform the insurer, then there will be a co-payment that will be

4:32applied to you.

4:33Also, if there is organ transplant happening and it is in non-network

4:36hospital, there is a co-payment.

4:38So, always ensure that you inform the insurer whenever hospitalized

4:41on day one itself and don't delay any kind of intimation to the

4:46insurer.

4:46Otherwise, some kind of co-payment can get applied.

4:48Now, coming to premium and discount, how do they look like?

4:52First of all, this policy is made for young and nobody above 45

4:54can take this policy.

4:56So, obviously, overall the premiums will be low because young people

4:59generally have low claims.

5:01Now if I talk about a 30 year old couple living in Mumbai,

5:04the premium of 10 lakhs of cover is around 11,400

5:06and a premium of 20 lakhs of cover is around 16,500.

5:12So if you double the cover, your premium doesn't increase quite

5:13a lot.

5:14And this policy has a cap on bonuses as well as we discussed earlier.

5:19So your 10 lakh cover will go up to 1.1 Cr and your 20 lakh cover

5:22will go up to 2.2 Cr.

5:24So select the cover properly so that it can protect you from inflation

5:27in long term.

5:29As this is plan for young, this policy can stay with you for longer

5:31period of time.

5:33We have told you premiums about Mumbai,

5:35but overall, this policy divides India into 3 zones according to

5:38which the premiums differ, and your premium differ by age.

5:41So basis your age and your zone, the final premium will be decided.

5:44Now coming to discounts in this policy.

5:47While the plan advertise multiple kind of discounts that they are

5:49giving,

5:50the only relevant discount that the policy has is their health

5:53returns.

5:53Now while they advertise 100% discount on renewals if you follow

5:57the conditions, let me give you a flavor of conditions.

6:00First, when you buy a plan, you will need to download their app.

6:03And you will need to give a test which will categorize into you

6:07three categories: green, amber, and red.

6:09Only if you are in green category, you can get up to 100% discount.

6:13Otherwise, if you are in amber or red category,

6:15your discount will be lowered.

6:17Now, if even if you are in green category,

6:18you will need to achieve milestones to get 100% discount.

6:22Let me just tell you what all you need to do to achieve 100% discount.

6:26First of all, you will need to be in green category as I mentioned.

6:29Second, you will need to have 13 or more active days every month

6:32in the year.

6:33Active days can be done by walking 10,000 steps every day and that

6:36will be counted as one active day.

6:39Third, you will need to have more than 325 number of days in an

6:41year where you are walking more than 10,000 steps.

6:45If you achieve that, then only you get 100% discount.

6:49If you achieve let's say 300 days, then you get 50% discount and

6:52not 100% discount.

6:54So if obviously if you can achieve the conditions,

6:57the discounts are great.

6:58But please see what you can achieve by evaluating the discounts.

7:00Now, the most important part: IRDAI performance data.

7:04We take this data from company's public disclosures and disclosures

7:07they do to IRDAI.

7:10Now coming to claim settlement ratio.

7:11In 2025-2026, Aditya Birla received around 30.5 lakh claims,

7:14out of which it settled around 29.9.

7:17Overall, their claim settlement ratio was around 97%.

7:22Now, if I talk about complaints data per 10,000 claims,

7:24Aditya Birla had 18 to 19 complaints per 10,000 claims,

7:27which puts it somewhere in the middle.

7:30And if I talk about amount settlement ratio,

7:32Aditya Birla has around 90% amount settlement ratio,

7:34which is somewhat lower than its peers.

7:38Now, if I compare Aditya Birla with other insurers,

7:40Aditya Birla will stay somewhere in top tier with high claim settlement

7:43ratio and mid-tier complaint ratio.

7:47So, who is this plan for?

7:48Someone who is young, and someone who is active and regularly tracks

7:51their fitness, they can go for this plan as they will get heavy

7:55discounts and they will have to pay less to get a cover.

7:58But someone who is not that fit or who doesn't track their fitness

8:01level should avoid this plan just for discounts.

8:05Not sure if Aditya Birla Activ Yuva plans fit you or not,

8:07you can always book a call with nyvo expert,

8:09and they will give you a plan comparison,

8:11so that you can select the best plan which is suited for you.

8:15Link to book the call is in the description.

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