Aditya Birla Health Insurance Vs. Zuno Health Insurance

Aditya Birla Health Insurance Vs. Zuno Health Insurance

Health insurance is a policy that covers the medical expenses that you might incur if you suffer an illness or an injury. If you suffer a medical emergency, and it is covered under your health plan, then medical costs will be borne by the insurer. It safeguards you and your family against unforeseen medical emergencies. It also ensures that you don’t end up draining your personal savings on medical bills. While looking for health insurance policies, one must go through the health plans of Aditya Birla Health Insurance and Zuno Health Insurance (formerly known as Edelweiss Tokio), as both companies have come up with multiple health plans specially designed to cater to the various needs of individuals. Aditya Birla Health Insurance offers a complete health and wellness ecosystem. In contrast, Zuno Health Insurance is easy to understand and loaded with features that make it the perfect choice for a medical insurance plan. To know more about these plans, and their differences, have a look at the following mentions.

What Does It Mean By Aditya Birla Health Insurance?

Aditya Birla Health Insurance Co. Limited (ABHICL), a part of Aditya Birla Capital Ltd. (ABCL), is a joint venture between Aditya Birla Group and MMI Holdings of South Africa. ABHICL was incorporated in 2015. The company’s current product portfolio includes unique offerings, including chronic care and incentivized wellness. The company’s care managers simplify the process of health insurance for you, from explaining policy documents to filing a claim to managing paperwork and discharge during hospitalization. One can get connected with your care manager on the Activ Health App. A special program is there to manage the cost of living with four major chronic conditions – asthma, high blood pressure, cholesterol, and diabetes. The company has numerous unique health benefits and facilities that promise to keep the insured person secure and healthy.

Know About Zuno Health Insurance

Formerly known as Edelweiss Tokio, Zuno General Insurance was born from the conviction that any kind of insurance should be easy, friendly, and transparent. The company offers different types of general insurance products, including health plans. Though it has a hanged name, the company has been there in the health insurance market for over a decade. It gradually has gained popularity among policy-seekers due to its customer-friendly approach and multiple health products to take care of the needs of the individuals. The company helps you to keep a check on your current health status by taking the free annual health check-up after every claim-free year. More than twenty base covers, including Hospitalization, Health Check-ups, No Claim Bonus, AYUSH cover, etc., are already available with the company.

Major Highlights of Aditya Birla Health Insurance

The company has come up with a sack full of benefits and facilities. A few important mentions are as follows. 

Health Coach:

Get day-to-day tips and guidance from your personal doctor-on-call, medical specialists, dietitians, fitness gurus, and tobacco counselors to keep your health in top condition, always. Get the support you need to better manage chronic conditions like high blood pressure, high cholesterol, and diabetes.

Support is Just a Text Away:

Reach out to the company’s customer support team on WhatsApp and get your doubts and queries answered instantly. They are always at your service.

Cashless Treatment:

The company has more than 10500 cashless network hospitals so that one can find out the ideal within their vicinity very easily.


It allows you to share your health records digitally with hospitals, clinics, insurance providers, and others. It is safe and secure. 

Chronic Management Programme:

A special program to manage the cost of living with four major chronic conditions – asthma, high blood pressure, cholesterol, and diabetes. Get Day 1 cashless cover for your OPD expenses of medicines, diagnostic tests, and doctor consultations.


A 10% upfront good health discount is available at policy purchase and an early bird discount is up to 10% at renewal.


With Activ Assure Diamond Plan, one can get up to 150% reload of the sum insured.

100% Binge Refill:

In times you need more than your Sum Insured, the Activ Fit plan has got you covered. You can get 100% of your Sum Insured as a refill unlimited time during the policy year.

Understand The Key Benefits of Zuno Health Insurance

Among many advantages, the important ones are as follows.

No Claim Bonus:

Their Gold and Platinum plans offer you a No Claim Bonus of 50% for every claim-free year, up to a maximum of 100% of your Sum Insured.

Tax Benefit:

Enjoy tax benefits on the premium you pay, under section 80D of the Income Tax Act.

Security Deposit:

Zuno also offers an advance security deposit of up to Rs 10,000 for admission in non-networked hospitals.

Newborn Care:

You can get your baby covered from day 1 by choosing this Add-on with the Zuno Health Insurance Plan. Premiums will be charged as per the option you choose, where you can select limits up to the Maternity Sum Insured or the base Sum Insured.

Health 241:

If you take your new policy with the Zuno Health Insurance Policy add-on, and your first year is healthy and claim-free, the company covers you absolutely free for the second year.

Restore & Recharge:

You get 100% of your Sum Insured reloaded for related or unrelated diseases (according to which plan you choose) once your basic Sum Insured and cumulative bonus are exhausted.

Plenty of in-built Services:

The company has a long list of assistance services for you – Medical Referral, Emergency Medical Evacuation, Medical Repatriation, Medical Monitoring, Compassionate Visit, Return of Mortal Remains, and Second Medical Opinion.

Critical Illness:

If someone is diagnosed with a critical illness, the company pays the fixed amount of Sum Insured at the time of diagnosis according to which plan you choose.

Comparison Between Aditya Birla Health Insurance and Zuno Health Insurance

The following table gives an idea about these plans and their differences.

ParametersAditya Birla Health InsuranceZuno Health Insurance
Number of policies


Activ Fit

Activ Health Platinum Enhanced

Activ Health Assured Diamond + Super Health Top-up

Activ Assure Diamond

Activ Care Classic

Activ Secure – Cancer Secure

Critical Illness Plan

Activ Secure Personal Accident

Group Activ Secure

Group Activ Travel

Group Activ Health

Global Health Secure


Zuno Health Insurance Policy

New-born Care Policy

Health Polus Policy

Incurred Claim settlement ratio as per the IRDAI Annual Report of FY 2021-202269.56%84.61%
Gross direct premium (as of 2021-2022)Rs. 1726.67 croresRs. 348.88 crores
Solvency ratio (as of March 22)1.771.67
ConnectivityABHICL has a nation-wide distribution presence in over 2800+ cities through branches and partner offices, 11 bancassurance partners, and over 51,120+ direct selling agents. ABHICL has scaled and diversified digitally enabled distribution through 40%+ agency growth with 175 branch locations, bancassurance available through 16,000+ branches, and 39+ digital partners covering 6 Mn.+ lives through 50+ contextual byte-sized products.5000+ network hospitals
Health check-upHealth Assessment is part of their policy benefit and charges for the same will be borne by us once in the company policy year for a valid policy. Eligible Insured Members are not required to pay for the same.Complimentary Annual Health Check-up at the end of every claim-free year.
Critical illness coverAvailable as a separate planAn in-built Critical Illness cover with Gold and Platinum.
Cumulative bonusAvailable up to a certain percentage on the basis of the plan chosen.No Claim Bonus increases by 50% of the Sum Insured, to a maximum of 100%, for every claim-free year (applicable for Gold & Platinum).
Security depositNot availableThe company also offers advance security deposit of up to Rs 10,000 for admission in non-networked hospitals
Add-on cover

Critical illness cover

Daily cash allowance

Room rest waiver

Maternity cover

Health 241

Newborn care

AYUSH treatment coverAvailableAvailable
Reload of sum insuredUp to 150%Up to 100%

Aditya Birla Health Insurance or Zuno Health Insurance, Which One Should You Choose?

Both Aditya Birla Health Insurance and Zuno Health Insurance policies are required to secure the loved ones and both are needed to comprehensively cover all the aspects of health insurance. Check all the types of health insurance plans along with their features and benefits available with Aditya Birla Health Insurance and Zuno Health Insurance before concluding on the right insurance policy. Configure the premium with the benefits availed on Aditya Birla Health Insurance vs. Zuno Health Insurance. As the premium amount depends on different variables such as entry age, smoking habit, health history, type of the plan, etc., it would be advisable to compare the health plans of both companies using the health insurance calculator and then opt for the one that suits best for all your purposes.

Article Published by

Related Posts

Swasthya Sathi Scheme
Probus Insurance

Swasthya Sathi Scheme

In West Bengal, getting healthcare can be hard because a huge portion of its population is economically backward. Many of them are not even

Read More »