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Aditya Birla Health Insurance is a well-renowned name in the field of insurance. Most of the customers go for Aditya Birla Health Insurance as it offers and covers different forms of illness and requirements at affordable prices. It is designed as per the needs of the time. Aditya Birla Health Insurance is emerging as a shining star in the Indian health insurance market. Aditya Birla Health insurance is established in partnership with South Africa based MMI Holdings Ltd, which owns a 49% stake. MMI Holdings Ltd has a legacy of 122 years which increase more trust of consumers in the Aditya Birla Health Insurance Plans.
It is designed in order to offer a wide range of health benefits so that you can take care of your health and your family. Aditya Birla Health Insurance Ltd helps customers to choose and live a healthier lifestyle by providing digitally integrated, incentivised, wellness program as a part of comprehensive health care which motivates many customers.
|Number of Network Hospitals||5700+|
|Renewability of the Policy||Lifelong renewal|
|Additional Rider Benefit available||Available|
|Health wellness program||Wellness coaching and wellness fitness centres|
Aditya Birla Health Insurance has researched the requirements of consumers thoroughly and then crafted its health insurance plans offering a variety of health insurance benefits, let’s check out the benefits of the policy:
High Sum Assured
Aditya Birla Health Insurance plans come with a high sum assured amount which may range from Rs.10 lakh, up to Rs.2 crore for comprehensive plans which help and assist policyholder holder to take care of rising medical expenses.
It is beneficial to buy Aditya Birla Health Insurance as it offers attractive tax benefits to policyholders under the provision of section 80 D of the income tax act, 1961.
Longer Plan Terms
Aditya Birla Health Insurance Plans offer long-term coverage from one year to three years which ensures that the policyholder to be free from the hassle of renewing health insurance policy every year.
Flexible Plan Option
It offers various plans which customer can choose as per their requirement which will insist to buy this insurance. These plans can be chosen for an individual & all groups. Benefits or cover which is offered under the plan can also be chosen as per the needs accordingly for examples personal accident, critical illness.
Aditya Birla Health Insurance plans not only to offer free and post hospitalisation expenses coverage but also as per your plan you can also avail cover for extra treatments like ICU charges, room rent in hospital, operating room charges, medicinal charges, and other patient’s treatments.
If you buy Aditya Birla Health Insurance you can choose a plan that also offers coverage of daycare surgeries or other procedures which do not require any hospitalisation for over 24 hours. Advanced technology such as dialysis does not require hospitalisation for more than 24 hours but cost too much.
Cover For Expenses
As medical expenses are touching the sky, hospitalisation charges are something that burns hole in the pocket of a middle-class person. Aditya Birla Health Insurance plans provide cover for pre and post hospitalisation charges for the duration of the insurance policy.
Customers can avail additional value-added services at extra cost. These Riders may include the option for critical in the world, health return reward, service of a wellness coach and etc depending on what value the policyholder choose and what is required.
Many health insurance policies offer attractive coverage but when you are in need you come to know that most of the hospitals are not covered under your health insurance policy. Aditya Birla Health Insurance Company has a big network of hospitals and doctors in cities/towns.
Aditya Birla offers a wide range of health insurance plans. This health insurance plan covers almost everything that you require.
All plans are designed to offer broader and wholesome coverage. They offer a wide range of health benefits to take care of the policyholder and family.
|Plan Name||Entry Age||Plan Basis (Individual, family, etc.)||Sum Insured (Min and Max)||Policy Term|
|Activ Health Essential||From 91 days; no upper limit||Individual and Family||Min: Rs.50,000 |
Max: Rs.10 lakh
|1 to 3 years|
|Activ Health Enhanced||From 91 days; no upper limit||Individual and Family||Min: Rs.2 lakh |
Max: Rs.2 crore
|1 to 3 years|
|Activ Secure - Personal Accident||No limit||Individual||Varies||1 year|
|Activ Secure - Critical Illness||No limit||Individual||Varies based on different plans||1 year|
|Activ Secure - Hospital Cash||No limit||Individual||Varies based on the cash amount and the duration chosen||1 year|
|Activ Secure - Cancer||No limit||Individual||Varies||1 year|
|Activ Assure - Diamond||From 91 days; no upper limit||Individual and Family||Up to Rs.2 crore||1 to 3 years|
|Group Activ Health||No limit||Individual and Family||Varies||1 year|
Activ Health Enhanced offers various unique benefits such as health returns, reloads of sum assured, choice of the hospital room and chronic management program and etc.
|Entry age||From 91 days- no upper limit|
|Family floater cover||Cover 9 members + dependent parents + parents-in-law|
|Sum insured||Rs.2 lakh-Rs.2 crore|
|Recovery benefit||Up to 1% of the sum insured (maximum Rs.10,000)|
|Cumulative bonus||Up to 20% per claim-free year (maximum of 100%)|
|Daycare treatment||Available for several procedures like dialysis|
Activ Health Essential is a well-designed program which allows insured to earn up to 30 % of the policy premium as health returns.
Activ Assure Diamond plan is designed to protect the insured and his/her family from all the expenses associated with any medical treatment.
|Entry age||From 91 days- No upper limit|
|Sum insured||Up to Rs.2 crore|
|Daycare treatment||Covered for up to 586 procedures|
Activ secure personal accident by Aditya Birla Health Insurance is designed to protect you from such mishaps on roads
|Accidental death||100% of the sum insured|
|Permanent total disability||100% of the sum insured|
|Funeral expenses||1% of the sum insured subject to a maximum of Rs.50,000|
With Activ secure – critical illness plan, the policyholder gets protection from 64 critical illness and secured expenses that turns out to be a great help.
With the Activ secure – critical illness plan, the policyholder gets protection from 64 critical illness and secured expenses that turns out to be a great help.
There are three critical in this plan from which one can choose flexibility as per requirement.
|Plan 1||14 illnesses covered with 100% payout|
|Plan 2||50 illnesses covered with 100% payout|
|Plan 3||64 illnesses covered with 100% payout|
|Wellness coach (optional)||Coaching to get advice on changes to lifestyle, fitness, and nutrition|
|Medical second opinion (optional)||Second e-opinion from a panel of medical experts|
|Daily cash benefit||Available after completion of 24 hours in the hospital|
|Double Benefit for ICU hospitalisation||Available for a maximum of 10 days|
|Convalescence benefit||1 day worth of cash benefit|
|Wellness Coach (optional)||Access to wellness coaches for advice on lifestyle, fitness, and nutrition|
The Activ Secure – cancer secure is a smart health insurance plan which is specifically and uniquely designed to offer financial protection against cancer treatment.
|Cumulative bonus||10% per claim-free year subject to a maximum of 100%|
|Wellness coaching||Access to wellness coaches for advice on lifestyle, fitness, and nutrition|
Nowadays companies, organisations take care of their employees and treat them as their family members. Employees give their heart and soul to the workplace if they are treated with tender love and care by their management. Group health insurance products are just another way of employers to tell the employees that they love and care for them and their loved ones. There are two types of customised group health insurance by Aditya Birla Health Insurance Company:
|Health Returns||Offer rewards for adopting a healthy lifestyle upto 30% of your health insurance premium and several other rewards|
|Hospital room||Freedom to choose the room during hospital stay|
|Activ Health App||App to track your health and activity along with 24*7 access to health records|
|Second E-opinion||Second expert advice in case of need|
Reimbursement process of Aditya Birla Health Insurance is very simple-
The following documents must be submitted to the insurance one making the claim request:
The policyholder may visit the online website of Aditya Birla Health Insurance and get all the details regarding claim procedure. In case of any situation where you want to file a claim you need to inform the insurer immediately. Always keep the customer care number handy and take care of all the documents required while filling the claim form
A health insurance calculator is required to calculate the premium by customizing the information provided that is affected by the following factors:
And you can also calculate health insurance online premium very easily by using the health insurance calculator.
Aditya Birla Health Insurance Company is definitely a one-stop-shop for all health insurance-related needs. With a long list of effective health insurance plan, the company is ensuring to cover a wide area so that it can cater different needs of customers so that they can live their life happily and in peace. With all its plans, the company promotes to stay fit and healthy and for the same, it offers multiple wellness programs through which customers can easily earn huge cashback. In the Insurance Industry, Aditya Birla Health Insurance Company holds the position of a leading health insurance company and has also received numerous positive and excellent reviews. Its goals and mission are enough to show how much the company values its customers and offer great services for a long term association. It is surely a recommended platform for your health insurance purchase.
It is quite easy. You just have to visit the Aditya Birla Health Insurance website and click on track claim section. You will be redirected to the login portal where you can log in using your username and password. As soon as you log in, you can check the details and your claim status.
Aditya Birla Health Insurance claims are settled within seven working days of the receipt from the time to submit the necessary documents and it is not later than 30 days.
You have to fill up the portability form at least 45 days before the renewal date of your existing policy if you wish to port. After this, an agent from Aditya Birla Health Insurance will contact your current insurer and request for details like, medical history and other important information. After looking at all information about you and your policy, Aditya Birla Health Insurance will decide in 15 days from the date on which information is provided from your current insurer and then will make the changes accordingly.
In most of the case's payment is transferred directly to the account of the policyholder in case of reimbursement claims. The policyholder also have the option of receiving payment via NEFT. You must provide information about the same in the reimbursement form. Information like IFSC code, branch address, account number, account holders name should be provided. If it is not there, then there is a procedure of sending claim settlement amount via cheque to the policyholder's registered address.
No cashless facility of Aditya Birla Health Insurance cannot be availed in the government hospital
In an individual health-insurance policy, a single person would be liable to get the cover. While in the family floater health insurance plan all family members are insured and covered on a floater basis. A single sum insured is shared by all family members under floater policy.
Yes, there is an Aditya Birla Health Insurance plan like Activ health insurance which offer maternity cover. Expenses Incurred in the treatment of the mother and baby are covered under this plan. There is a 24 month period to avail the maternity benefit cover.
It depends on the duration that you choose and the duration which is mentioned in the insurance policy schedule. Aditya Birla Health Insurance policy duration is available for one, or two and three years.
The portability allows the policyholder to switch from one insurer to another. By this you don’t even lose the waiting period benefit accumulated for you on the existing health insurance policy, hence it is profitable.
No chronic disease such as hypertension, asthma and diabetes are not covered under Activ health – and hence plan. These diseases are covered under the chronic management program of Aditya Birla Health Insurance.
Last updated on 26-09-2019