Aditya Birla Health Insurance
  • Chronic Management Programs
  • Wide Range of Network Hospitals
  • Avail Rewards & Health Returns
Aditya Birla Health Insurance
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Aditya Birla Health Insurance

Aditya Birla Health Insurance Company Limited (ABHICL), a subsidiary of Aditya Birla Capital Ltd, is a joint venture between Aditya Birla Group and MMI Holdings of South Africa. The company, founded in the year 2015, commenced its operations in October 2016.

Some of the prime benefits that Aditya Birla Health Insurance plans offer are cashless treatment, cover for ambulance charges, AYUSH treatments, pre and post-hospitalization expenses, and much more.

Also, Aditya Birla Health Insurance policies offer wellness and rewards that help you in keeping track of your health and encourage you to keep it in check so that you can meet your health goals and in turn reap further rewards.

Why choose Aditya Birla Health Insurance?

To get more insight into the company's performance, take a look at the below Key features that will help you to analyze the company based on its performance:

  • Network Hospitals:
    The company has a tie-up with more than 10,551 hospitals. These hospitals allow the policyholders to avail cashless treatments at the time of a medical emergency.
  • Solvency Ratio:
    Aditya Birla Health Insurance has a Solvency Ratio of 1.95 as per the IRDAI annual report 2020-21.The solvency ratio helps the prospective policyholder assess the ability of a company to meet its financial obligations. As of now, IRDAI mandates maintaining a healthy solvency ratio of 1.50 for every insurer.
  • Claim Support:
    Claim support of an insurer helps you analyze its claims settling ability. As per the IRDAI annual report of 2020-21, the claim support of Aditya Birla Health Insurance is 94%.
  • Annual Premium:
    As per the annual report of IRDAI 2020-21, the annual premium of Aditya Birla Health Insurance is 1,300.64 cr.
  • PAN India Presence:
    With a presence in more than 2300+ cities, Aditya Birla Health Insurance company ensures that the policyholder can directly visit their nearest branch office for any of their policy-related or claim-related queries.
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Aditya Birla Health Insurance Plans

To cater to the dynamic healthcare needs of an individual and their family, Aditya Birla Mediclaim policy comes with several plans.

Aditya Birla Health Insurance Individual & Family Plans

Comprehensive

A comprehensive health insurance plan that offers comprehensive coverage against medical bills & comes with access to Chronic Management Program.

Unique Benefits

  • Chronic illness cover
  • Modern treatments covered
  • Double coverage

Affordable

Activ Assure Diamond is a complete health insurance plan that offers new-age health features at an affordable cost, and covers more than 500 daycare treatments.

Unique Benefits

  • 150% sum insured reload
  • No Room rent capping
  • Mental illness covered

Standard

Aditya Birla Arogya Sanjeevani

A standard health insurance policy, wherein you can choose coverage of up to Rs.1 lac to Rs.5 lacs.

Unique Benefits

  • Avail 5% cumulative bonus
  • Cataract treatment covered
  • All daycare treatments covered

Aditya Birla Health Insurance Specialized Plans

Senior Citizen

A senior citizen plan that offers complete protection such as nursing at home, AYUSH cover, personal health coach, etc.

Unique Benefits

  • Avail up to 21% health returns
  • Second E-opinion
  • Worldwide Emergency Assistance

Super top-up

Aditya Birla Activ Assure Diamond + Super Health Topup

A top-up plan offering medical coverage up to Rs. 1 cr. The plan also gives health and wellness discounts.

Unique Benefits

  • 586-day care procedures covered
  • No restriction on room rent
  • Road Ambulance coverage up to 5K

Cancer Plan

Aditya Birla Activ Secure- Cancer Secure

Specially designed plan to protect you against the rising costs of treatment at every stage of cancer – early, major and advanced.

Unique Benefits

  • Short survival period of 7 days
  • Early stages of cancer covered
  • Avail no claim bonus

Accident Plan

Aditya Birla Activ Secure Personal Accident Plan

The Plan is designed to protect individuals and families from all the contingencies (death and disabilities) that occur due to accidents.

Unique Benefits

  • Education benefits provided
  • Funeral expenses covered
  • Protection against income loss

Critical Plan

Aditya Birla Activ Secure Critical Illness Plan

The plan is designed to provide financial protection against critical illnesses, & offers compensation against the loss of income arising out of critical illnesses.

Unique Benefits

  • Lump Sum payout on detection
  • 150% sum assured
  • Short survival period

Aditya Birla Health Insurance Network Hospital List

Aditya Birla Life Insurance Network Hospitals are present nationwide. With a wide network of over 8787 cashless hospitals, Aditya Birla Life Insurance ensures that you are medically secured, irrespective of the city you reside in.

Benefits of Aditya Birla Health Insurance

Aditya Birla Health Insurance company comes with a wide range of health plans that offers several benefits to the policyholders. Below mentioned are some of the unique benefits that one can avail through Aditya Birla Health Insurance.

  • Offers Active Health Management ProgramsAditya Birla Health Insurance company looks after the overall health of the person, which includes an active health management program that takes care of all lab tests, doctor consultations, and appointments.
  • Rewards & Health Returns Policyholders who maintain a healthy lifestyle are rewarded for the same. The company returns up to 30% of your premiums if you earn 13 Active Days=Green Health Heart Score. All you have to do is Download the Activ Health app, get your Healthy Heart Score and Record your Active Day.
    The healthier you stay, more you will earn the rewards.
    One can get further information from the company's official website if you wish to learn more about this provision.
  • Chronic Management ProgramAditya Birla Medical Insurance offers a specific programme to help people with four major chronic illnesses asthma, high blood pressure, high cholesterol, and diabetes. The program helps people to manage their costs of living. One can also avail of cashless coverage for OPD charges, such as medicines, diagnostic tests, and doctor consultations, from the first day.

Calculate Aditya Birla Health Insurance Premium

One can calculate their premiums by providing the below-mentioned details:

Activ Health Platinum

Plan Variants Enhanced Essential Premiere
Premium Payable (in Rs.) 13,690 10,116 54,198

* Premiums calculated for a 30-year old, non-smoker male. Chosen plan option is "Life Cover only" with a premium payment term of 40 years.

Activ Assure Diamond

Plan Variants 1A 2 A 2A + 2C
Premium Payable (in Rs.) 7,919 15,046 25,751

* Premiums calculated for a 30-year old, non-smoker male. The chosen premium paying term and policy cover is of 10 years.

Activ Secure Critical Illness Plan

Plan Variants Plan 1 Plan 2 Plan 3
Premium Payable (in Rs.) 5,463 7,299 8,023

* Premiums calculated for a 30-year old, non-smoker male. The chosen premium paying term and policy cover is of 10 years.

Aditya Birla Health Insurance Buying Process

For buying an Aditya Birla Health Insurance policy, one has two options. Either they can purchase directly from the website or can buy from PolicyX.com.

Buy from the Company

  • Visit the official website of the company. Click on the 'Health Insurance' option under that sub-title.
  • You will then be redirected to the Health.
  • Enter all the required details and your health insurance premium amount will be displayed on the screen.
  • Once you pay the premium online, you will get all the policy documents at your registered email address.

Buy from PolicyX

  • Fill in the details in the 'Calculate Premium' form.
  • The next page will show all the available plans.
  • Choose the Aditya Birla health plan and click on 'Buy Now'.
  • Pay the premium and your policy document will be shared with you on your registered email id.

Why Buy from PolicyX.com?

With so many buying options available in the market, one must think about why he/she needs to choose PolicyX.com. Well, we are here to answer. Read the below points to find out why to choose PolicyX.com.

  • IRDAI Approved:The Insurance Regulatory Development Authority of India (IRDAI) is a regulatory body created to protect the policyholder's interest. PolicyX.com follows all the guidelines and protocols approved by the IRDAI.
  • Free Comparison Service: With PolicyX.com, you can easily compare the best Health Plans in India without paying any extra amount.
  • Compare 15 Companies in 30 Seconds: With us, you can compare up to 15 companies in just a few seconds.
  • Buy Insurance within 5 mins: With PolicyX.com, you can buy your policy online without any hassles. We offer an easy 4-step online buying process that allows you to buy your policy without any trouble.
  • 24*7 Customer Service: The experts of PolicyX.com are always available to resolve any of your insurance-related queries.
  • Free Future Claim Assistance: Our team will assist you at every step of your claim process. Be it claim intimation, documentation, or any other process, we are always there to help.

How to Renew an Aditya Birla Health Insurance Policy?

Aditya Birla Health Insurance policy allows the customer to renew their policy online. Follow the below steps to renew your Aditya Birla Health Insurance Plans:

  • Visit the official website of Aditya Birla Health Insurance. On the top right, click on the 'Renew' option.
  • From the drop-down menu, select 'Quick Renew'.
  • On the next page, fill in your policy number, date of birth, and mobile number.
  • Click on the 'Abhi Karo'.
  • Pay the premium online, and your Aditya Birla health insurance renewal details will be mailed to your registered email address.
Why Should You Buy the Aditya Birla Health Insurance Plan from Policyx.com?

Aditya Birla Health Insurance Claim Process

Aditya Birla Health Insurance company offers an easy and convenient claims settlement process. The policyholder can either choose cashless claims or can opt for reimbursement claims:

Cashless Claim Process

The cashless facility is only for policies that are purchased via a Third-Party Administrator (TPA).

  • Check the list of network hospitals from Aditya Birla's website. At the network hospital, show the cashless card of Aditya Birla Capital Health Insurance and valid ID proof like a Passport, PAN Card, Voting card, etc.
  • After the identification is done, the network hospital will send the cashless hospitalization request form to Aditya Birla. (For planned hospitalization, the form needs to be submitted 3 days in advance. For emergency cases, it needs to be submitted within 48 hours after hospitalization).
  • Aditya Birla will review the form. After completion of the formalities, the decision will be forwarded to you through SMS and E-mail.
  • Once done, the payment will be made to the network hospital.

Reimbursement Claim Process

If you are admitted to a non-network hospital, you have to pay the hospital directly after the treatment is done.

  • To file a claim, submit the following documents to Aditya Birla within 15 days of discharge:

    1. Claim form (Part A & B)

    2. Health card

    3. KYC documents

    4. Original discharge summary

    5.Hospital bills

    6.The invoice with payment receipt

    7.All consultation papers

    8.Others

  • After reviewing the documents, Aditya Birla will take the appropriate decision and if approved, the amount will be reimbursed through NEFT to the registered bank account.

Note- You need to inform the company within 48 hours (in case of emergency hospitalization) and 3 days before your admission (for planned hospitalization)

How To Contact Aditya Birla Health Insurance

Aditya Birla health insurance customer care is 24*7 available to look after your queries. To get in touch with Aditya Birla health insurance customer care, opt for the below methods:

Customer care number: 18002702700

healthinsurance@adityabirlacapital.com

Whatsapp No. 8828800035

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Aditya Birla Health Insurance: FAQs

1. Does Aditya Birla Activ Health Platinum offer a Cashless Facility?

Yes. One can avail of the cashless facility under both the variants of Activ Health Platinum Plan (Activ Health Enhanced and Activ Health Essential), provided that the hospital chosen should fall under the Aditya Birla Health Insurance network hospitals.

2. Will my claim be paid if my policy is in the Grace Period?

No, the company is not liable to pay any claim that occurs during the grace period.

3. Are there any sub-limits for the room rent and ICU in Activ Care policy?

No, there are no sub-limits for the room rent & ICU under the Activ care policy. The insured gets the rooms based upon the plan (s)he has chosen.

4. Can I upgrade my room under the Activ Assure Diamond Plan?

Under this plan, the policyholders have the freedom to choose their preferred room types. However, the option is applicable only on the sum insured of Rs. 5 Lakhs or above.

5. Does Aditya Birla Medical Insurance offer maternity cover?

Yes, there are some plans such as Aditya Birla Active Health that offer maternity coverage. This policy covers the maternity-related expenses incurred on both the mother and the baby, vaccination, etc.

6. How can I port my Aditya Birla Health Insurance Policy?

You can port your Aditya Birla Health Insurance plan at the time of renewal. All you need to do is intimate the company with the below-mentioned documents that are required to be presented for portability in Aditya Birla Health Insurance:

  • Plan's proposal form
  • Portability form
  • Copy of expiring health insurance policy
  • Copy of renewal notice

7. How can I make changes in my Aditya Birla Health Insurance policy?

To view or edit your policy you need to follow the simple process:

Click on customer support->View/Change Policy Details->Member Details ->Edit->Date of Birth->Save

8. What is the claim process for Aditya Health Insurance policies?

Follow the steps given below for the claim process:

  • Check the list of network hospitals from Aditya Birla's website. At the network hospital, show the cashless card of Aditya Birla Capital Health Insurance and valid ID proof like Passport, PAN Card, Voting card, etc.
  • After the identification is done, the network hospital will send the cashless hospitalization request form to Aditya Birla. (For planned hospitalization, the form needs to be submitted 3 days in advance. For emergency cases, it needs to be submitted within 48 hours after hospitalization).
  • Aditya Birla will review the form. After completion of the formalities, the decision will be forwarded to you through SMS and E-mail.
  • Once done, the payment will be made to the network hospital.

9. How can I calculate the premium for Aditya Birla Health Insurance policy?

With the help of an online calculator, one can easily check their Aditya Birla Mediclaim policies premium. With this calculator, one can calculate their premium online and can get an idea of how much he needs to pay annually.

10. How many network hospitals do Aditya Birla Health Insurance policies have?

With over 10051+ network hospitals, Aditya Birla Health Insurance company ensures to offer you a stress-free cashless facility.

11. Can I buy Aditya Health Insurance policy for my 4-year-old kid?

Aditya Birla Health Insurance does not offer any separate health insurance plan for kids. But, they can be covered with their parents either on an individual or a floater basis.

12. When should a reimbursement claim request be submitted?

Request for reimbursement claim should be submitted within 15 days of getting a discharge from the hospital or clinic.

13. What is the period in which Aditya Birla Health Insurance settles claims?

Aditya Birla Health Insurance settles claims, including the rejection, within 7 working days of receiving necessary documents, but not more than 30 days.

14. How do I get a list of network providers of Aditya Birla Health Insurance?

To get a list of network providers of Aditya Birla, visit the Network hospital page of policyX.com. Fill in your details and the page will show the network hospitals in your vicinity.

15.How are Aditya Birla Health Returns calculated?

The company has made a free Health Assessment test called the MER (including blood pressure, body mass index, smoking status, and HWR), fasting blood sugar, and total cholesterol, which will be performed at least once per policy year in order to calculate the Healthy Heart Score.

Aditya Birla Health Insurance Reviews

Read what our customers have to say about Aditya Birla health insurance company and Aditya Birla health mediclaim policy.

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Ayush Sharma

Nagpur

November 30, 2022

I bought policy for my family from policy x.com, The advisor is very knowledgable,he suggest me better comparisons of plan and helps me to purchase suitable one. The process was very smooth.

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Salman khan

Delhi

September 2, 2022

Pls Do Your Health Insurance I would Love to Suggest You Health Insurance im glad to have aditya birla Health insurance ❣️

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Gurjeet Singh

Gurgaon

May 26, 2022

I bought an insurance plan to safeguard the future of my child and I am satisfied with the plan as it was customized according to my needs.

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Riya

Bengaluru

February 21, 2022

ABRL is a good company for health insurance. I took senior citizen plan for my parents and happy that they are always there to help my old parents and their problems

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mihir jani

Gandhinagar

February 17, 2022

I made claim for my husband s hand surgery from aditya birla health insurance. I live alone with my husband and got nobody to help but aditya birla helped me in the entire procedure and cashles...

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Dilpreet Singh

Pune

October 19, 2021

very vast range of plans! the premiums are decent for anybody s budget. I would 1000% recommend the comapny

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Kinshuk

Hyderabad

October 18, 2021

It has been an absolute pleasure associating with policyx for my health insurance. They have been very helpful in my decision.

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Aditya Narayan

Delhi

October 13, 2021

happy with how my claims were settled...i went to a network clinic and so did not have to pay a single penny

View All Aditya Birla Health Insurance Reviews