Aditya Birla Health Insurance

Aditya Birla Health Insurance

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Aditya Birla Health Insurance Company

Aditya Birla Health Insurance is one of the biggest health insurance companies in India. The company is providing a wide range of helpful and affordable insurance policies. With this wide range, it will be easier for you to get the best plan according to your needs. This company is basically a joint venture between South Africa-based MMI Holdings Ltd, which owns 49% stake in the venture. The company looking forward to position itself in the highly competitive health insurance business. The aim is to become the top insurance company in the health insurance Industry.

Features of Aditya Birla Health Insurance

Aditya Birla Health Insurance is working great in the Indian market. Right now, the company is dealing with several products for individuals, families, and groups. Some of the key features and benefits of ABHI can be listed as follows.

Flexible plan options: When it comes to Aditya Birla, you can get multiple policies which can easily go well with your needs. There are a few plans available for specific benefits that include personal accident, critical illness, cancer, etc. In addition to this, there are some plans as well which offers benefits for groups.

Different sum insured options: Aditya Birla Health Insurance group allows you to choose the best plan as per your needs. A few of its plan also offers coverage for up to Rs2.crore

Features Of Aditya Birla Health Insurance

Wellness coaching: One of the biggest benefits of Aditya Birla Health Insurance is the access to health industry experts anytime and anywhere. By contacting an online specialist, it will be easier for customers to get their doubts clarified.

Network hospitals: Among all other benefits, one of such benefits that attract its customers a lot is the network of hospitals and doctors. Customers can access the list of hospitals and doctors in their cities/towns by visiting the company website.

Health Returns: The company offers rewards for healthy behavior in its customers. Customers can access this information by visiting the company’s official website.

Tax relief: The premium amount paid towards several health insurance policies under Aditya Birla is eligible for income tax benefit as per section 80D of the Income Tax Act.

Benefits of Aditya Birla health Insurance

Aditya Birla Health Insurance comes along with several helpful benefits that will surely attract you towards its effective health insurance plans.

Longer tenure : Aditya Birla Health Insurance Company is good ar offering longer plan terms that start from 1 year to 3 years, which saves you from the hassles of renewing your health plan every year.

High sum assured: Everyone will agree to this that the medical expenses are rising day by day. Health insurance plans by this company come along with the high sum assured amount that starts from Rs.10 lakh, up to Rs.2 crore for comprehensive plans.

Cover for pre/post hospitalization expenses: Aditya Birla health insurance plans also offer pre-hospitalisation charges and post-hospitalization for the term that vary according to the plan which has been chosen.

Cover for additional expenses: Under the health insurance plans by Aditya Birla you will get a wide range of cover and that will assist you in getting the assistance to deal with the additional expenses such as ICU charges, room rent, ICU charges, operation room charges, specialist’s fee, medicines, etc.

No clause for minimum hospitalization: There are several plans that provide coverage against various daycare surgeries and procedures that don't ask for hospitalization for over 24 hours.

Domiciliary hospitalization : There are many plans by Aditya Birla Health Insurance for domiciliary hospitalization where the policyholder has taken treatment at home and not a hospital or nursing clinic because of medical constraints.

Choice of hospital room category: This is the amazing feature by Aditya Birla Health Insurance Company. Under the same, the policyholder will have the option to choose the hospital room for their hospitalization. If the insured has chosen a lower room category, they will be eligible to file for the reimbursement of the same at the time of raising a claim.

Tax benefits:Along with the essential health coverage, Aditya Birla health insurance plans come with tax benefits also5 under provisions of Section 80D of the Income Tax Act, 1961.

Cumulative bonus : Depending on the plan that you have chosen, you will be eligible for a Cumulative Bonus of 10% to 20% which is provided for each claim-free policy year.

Free health check-up Every insured policy.

Aditya Birla Health Insurance Plans

S.No Plan Name
1 Activ Assure
2 Activ Health Advanced
3 Activ Health Essential
4 Activ Secure-Personal Accident Plan
5 Activ Secure Critical Illness Plan
6 Activ Secure Hospital cash
7 Activ Cancer Secure

1. Activ Assure

It is an effective Health Insurance plan that offers comprehensive coverage and sum assured of up to 2 crores.

Key Features

  • 150% reload of the fixed sum assured.

  • Provides coverage against 586-day care procedures.

  • Emergency assistance for international and domestic as well.

  • Earn health returns of up to 30% of the premium for staying healthy

IN-patient hospitalization Coverage against room rent, doctor’s fee, operation theatre expenses, medicines, etc.
Pre and post hospitaliation 30 days before your hospitaliation and 60 days after your hospitalization.
Day care treatment Cover 586 day care procedures
Reload of sum assured 150% of the sum assured
Road ambulance cover Cover cost of transportation

2. Activ Health Advanced

Along with the basic health insurance plan, this is the plan that offers unique benefits such as health returns, reload of sum insured, room choice, chronic management program and many other things.

Key Features

  • Earn upto 30 percent of your premium policy as health returns.

  • One day cover for cost of medicines, dianostics test, doctor consultation and many more.

  • You are free to choose the hospital room as per your liking.

  • 100% reload of sum assured

Policy Term 1,2 or 3 years
Sum Insured Rs.2 Lacs to 2 crores
Cumulative bonus Upto 50 lacs
Health checkup Once a year
Pre & post hospitalization 60 years-pre and 180 years post

3. Activ Health Essential

One more effective health insurance plan by Aditya Birla Group.

Key Features

  • Earn upto 30 percent of the sum assured as a health return benefit on staying healthy.

  • Day 1 cover for chronic diseases such as diabetes, asthama, cholestrol,etc.

  • Allow to choose room as per your convenience

  • 527 day care procedures are covered

Policy Term 1,2 or 3 years
Sum Insured Rs 5 lacs to 10 lakhs
Cumulative bonus 10% percent of the sum insured for every claim free year.
In-patient hospitalization Choice from economy to single private room
Pre & post hospitalization 30 days for pre and 60 days for post

4. Activ Secure-Personal Accident Plan

It is a comprehensive insurance plan that offers additional coverage at affordable price.

Key Features

  • Complete Protection against death and disability

  • Protection against income loss

  • Cumulative bonus

  • Protection against hospitalization related expenses

Accidental Death Cover Get 100 percent sum assured
Permanent total disablement Get 100 percent sum assured
Modification benefit Fet upto 1 lac towards suitable improvements
Funeral expenses Get upto 1% of sum assured
Cumulative bonus Get 5 % bonus for every claim free year

5. Activ Secure Critical Illness Plan

This plan allows you to overcome from financial shortcomings for the treatments.

Key Features

  • Comprehensive coverage for all critical diseases

  • Payout of maximum 150% of the sum insured

  • Tax benefits

  • Survival period of 15 days

  • Lump sum payout on detection

  • Option to avail second e-opinion

Protection Complete protection against 20, 50 or 64 crtical diseases
Sum Insured Options until 1 crore for enhanced protection
Wellness coach Get a wellness coach to guide you about nutrition, fitness, and lifestyle habits.
Second opinion Get second opinion frm panel of medical practioners

6. Activ Secure Hospital cash

This plan protect you from rising financial burden during hospitlization.

Key Features

  • Offers daily cash benefits from Rs 500 to 10000

  • Parental accomodation benefit

  • Flexibility in choice of coverage.

  • Convalescence benefit

  • Help you to reclaim good health

Daily Allowance Options range from 500 to 10000
Double benefit In case of an admission in an ICU
Parental accomodation benefit The company will pay 1 DCB
Wellness coach Get a wellness coach to guide you about nutrition, fitness, and lifestyle habits.

7. Activ Cancer Secure

It is a helpful health insurance plan that covers all stages of cancer from minor to advanced.

Key Features

  • Stages cover with payout on early stage(50% of sum insured), major stage (100% of sum insured) and advanced (150 % of sum insured).

  • Additional payout if you are diagnosed with major or advanced level of cancer

  • Cumulative bonus of 10% upto a maximum 100% of sum insured.

  • Allows you to choose a welness coach

  • Tax benefits under section 80D

Protection Against all 3 stages, early, major and advanced.
Advanced stage cancer Upto 150% of sum insured
Second opinion Get Second opinion frm panel of medical practioners
Eligilibilty Minimum 18 years

Thing to do Before Buying Aditya Birla Health Insurance

  • Compare plans on the basis of features, oremium and benefits.

  • Choose the right sum insured you need

  • Finalise the coverage amount

  • Read exclusions properly that are listed in the policy

  • Make sure that the waiting period is suitable for you

  • Prepare the documents necessary for signing up

Documents Required to Buy Aditya Birla Health Insurance

  • Identity proof

  • Address proof

  • Aadhar number

  • Medical certificates (if applicable)

Why to Choose Aditya Birla Health Insurance

  • Presence of several additional benefits that includes Wellness Coaching, Health Returns, etc

  • Great bonus for maintaining a healthy lifestyle

  • Floater benefit in most insurance policies

  • Wide range of plans (critical illness, hospital cash, personal accident, etc.) under a single brand

  • Plenty of add-on covers to increase overall protection

Documents Required for Claim

The following documents must be submitted to the insurer while making a claim under a particular policy.

  • Claim form

  • Medical bills

  • Death certificate (if applicable)

  • Physician’s certificate regarding diagnosis

  • Other relevant bills and documents

FAQs

1. Why choose Aditya Birla Health Insurance?

Along with the basic health plans, this company will offer additional benefits in the form of health returns and wellness coach.

2. There is any plan that offers maternity cover?

Yes, under a few plans by Aditya Birla Health Insurance Company, you will get coverage for new baby expenses, vaccination, necessary treatments and much more. For this, you have to opt for maternity benefit cover.

3. Why should someone invest in a health insurance plan?

Because of the rising medical cost, it becomes necessary to own an effective form of health insurance plan to beat all medical emergencies.

4. What is the claim procedure?

Under Personal accident plan, first, you have to inform the insurance company within 7 days. After that, you have to submit the necessary documents along with the claim form within 30 days.

5. What is the survival period under a cancer insurance plan?

A survival period is just 7 days following the date of diagnosis.

6. What is the benefit of choosing a long-term policy?

On choosing the long-term policy you will discount of 7.5 to 10 percent on your premium.