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Aditya Birla Health Insurance
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  • 5000+ Network Hospitals

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Aditya Birla Health Insurance

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.

Highlights of Aditya Birla Health Insurance Company

Number of Network Hospitals5700+
Claim Settlement 63000+
PortabilityAvailable
Renewability of the PolicyLifelong renewal
Additional Rider Benefit availableAvailable
Health wellness programWellness coaching and wellness fitness centres

Benefits of Aditya Birla Health Insurance

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

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.

Tax Benefits

Tax Benefits

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

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

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.

Hospitalisation Coverage

Hospitalisation Coverage

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.

Daycare Coverage

Daycare Coverage

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

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.

Riders

Riders

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.

Network Hospitals

Network Hospitals

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 Health Insurance Plans

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 EssentialFrom 91 days; no upper limitIndividual and FamilyMin: Rs.50,000
Max: Rs.10 lakh
1 to 3 years
Activ Health EnhancedFrom 91 days; no upper limitIndividual and FamilyMin: Rs.2 lakh
Max: Rs.2 crore
1 to 3 years
Activ Secure - Personal AccidentNo limitIndividualVaries1 year
Activ Secure - Critical IllnessNo limitIndividualVaries based on different plans1 year
Activ Secure - Hospital CashNo limitIndividualVaries based on the cash amount and the duration chosen1 year
Activ Secure - CancerNo limitIndividualVaries1 year
Activ Assure - DiamondFrom 91 days; no upper limitIndividual and FamilyUp to Rs.2 crore1 to 3 years
Group Activ HealthNo limitIndividual and FamilyVaries1 year
  • Activ Health Enhanced
  • Activ Health Essential
  • Activ Assure Diamond
  • Activ Secure Personal Accident
  • Activ Secure - Critical Illness
  • Activ Secure - Hospital Cash
  • Activ Secure - Cancer Secure

Activ Health Enhanced

Activ Health Enhanced

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.

Key Benefits of Activ Health Enhanced

  • Policy tenure is 1,2, or 3 years.
  • Option to choose the hospital room.
  • Offers cover for pre-hospitalisation and also offers hospital cash benefit.
  • Second-year opinion on critical illness.
  • Free health check-up.
  • Emergency assistance across seas.
  • No maximum age limit.
  • On every claimless year, a bonus in the form of 20% increased sum assured.
  • Yearly free health checkup.
  • Attendant charges, to and fro travel from the hospital, offered in the form of a lump sum amount.
  • Emergency assistance services outside India.
  • Chronic management program for illnesses such as high cholesterol, diabetes, hypertension, and asthma.
  • A wellness expert-cum-coach to achieve the insured’s fitness goals.
  • Discounts on premium, deductible option of Rs.25,000, Rs.50,000, Rs.1 lakh, Rs.2 lakh, Rs.3 lakh, Rs.4 lakh, and Rs.5 lakh.
  • Rewards in the form of cashback or incentives if the patient reports healthy and fit.
  • Daily cash allowance (maximum Rs.5,000).
Entry ageFrom 91 days- no upper limit
Family floater coverCover 9 members + dependent parents + parents-in-law
Sum insuredRs.2 lakh-Rs.2 crore
Recovery benefitUp to 1% of the sum insured (maximum Rs.10,000)
Cumulative bonusUp to 20% per claim-free year (maximum of 100%)
Daycare treatmentAvailable for several procedures like dialysis

Activ Health Essential

Activ Health Essential

Activ Health Essential is a well-designed program which allows insured to earn up to 30 % of the policy premium as health returns.

Benefits and features

  • Offers comprehensive coverage and also rewarded for maintaining good health.
  • No maximum age limit whereas the minimum age is 91 days.
  • The floater health insurance plan covers up to 9 members of the family (6 adults & 3 children only).
  • Under 25 years will be covered under the plan as dependents.
  • Offer protection with a sum insured up to Rs.2 crore.
  • Policyholders with sum assured of Rs.7 lakh and above are offered to choose room category.
  • Recovery benefit for various ancillary expenses such as travelling expenses, fees etc.
  • Offers worldwide emergency assistance services.
  • Mandatory copayment of 20%.
  • The bonus of 10% of the total sum insured for every claim-free year (maximum accumulation of 100 % of the sum assured).
  • Cover for pre and post-hospitalisation medical expenses upto 30 and 60 days respectively.
  • Transportation costs such as ambulance is totally covered by a network provider.

Activ Assure Diamond

Activ Assure Diamond

Activ Assure Diamond plan is designed to protect the insured and his/her family from all the expenses associated with any medical treatment.

Benefits and Features

  • Offers 150% of the sum insured for a subsequent claim due to an unrelated illness (maximum Rs.50 lakhs).
  • Covers international emergency assistance services such as air ambulance along with the domestic.
  • Hospitalisation (24+ hours) along with cover for room rent, doctors fees, operation theatre expenses, drugs, medicines and other charges.
  • Home care treatment
  • Organ transplant of the policyholder along with the expenses of the organ donor.
  • Daily allowance of Rs. 500 in case of hospitalisation. Availed only if the sum insured is high and maximum limit of 5 days from the hospitalisation date.
  • Offers a personal coach a medical expert helps in dealing with diseases like asthma, hypertension or diabetes mellitus.
Entry ageFrom 91 days- No upper limit
Sum insuredUp to Rs.2 crore
Daycare treatmentCovered for up to 586 procedures

Activ Secure Personal Accident

Activ Secure Personal Accident

Activ secure personal accident by Aditya Birla Health Insurance is designed to protect you from such mishaps on roads

  • Minimum age at entry is 5 years and the maximum is 65 years.
  • Basic covers such as permanent total disablement, permanent partial disablement and partially disabled due to an accident.
  • Education benefit in which 10% of the sum assured is for the surviving and education of dependent children.
  • Orphan benefit in which 10% of the sum assured is for dependent children if parents pass away due to an accident.
  • Optional cover such as overseas emergency assistance service up to Rs.1,000, temporary total disablement, wellness coach etc.
Accidental death100% of the sum insured
Permanent total disability100% of the sum insured
Funeral expenses1% of the sum insured subject to a maximum of Rs.50,000

Activ Secure - Critical Illness

Activ Secure - Critical Illness

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.

Features of critical illness plans –

There are three critical in this plan from which one can choose flexibility as per requirement.

  • Plan 1 - Covers cancer, heart attack kidney failure are covered.
  • Plan 2 - Covers brain surgery, beginning state of brain tumour, tuberculosis including those covered under plan one.
  • Plan 3 - Covers procedures like peacemaker ascertain, etc.
  • Offers tax benefit under section 80 D of the income tax act.
Plan 114 illnesses covered with 100% payout
Plan 250 illnesses covered with 100% payout
Plan 364 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

Activ Secure - Hospital Cash

Activ Secure - Hospital Cash

  • Under Activ Secure – Hospital Cash the cost apart from the hospitalisation treatment that costs (heavy or light) to the pocket of the policyholder is covered.
  • Attendant expenses, loss of income and travelling expenses.
  • Daily allowance for each day he/she spent in the hospital. This allowance is respective of the hospital bills.
  • It covers double cash allowance for hospitalisation and intensive care unit.
  • It offers benefit in case of hospitalisation exchange for more than 7 days.
  • Benefit equal to daily cash benefit is paid for the parental accommodation if an insured of or below 12 years old has been hospitalised for more than 72 hours.
Daily cash benefitAvailable after completion of 24 hours in the hospital
Double Benefit for ICU hospitalisationAvailable for a maximum of 10 days
Convalescence benefit1 day worth of cash benefit
DeductibleOne day
Wellness Coach (optional)Access to wellness coaches for advice on lifestyle, fitness, and nutrition

Activ Secure - Cancer Secure

Activ Secure - Cancer Secure

The Activ Secure – cancer secure is a smart health insurance plan which is specifically and uniquely designed to offer financial protection against cancer treatment.

  • All three stages of cancer are covered viz. early stage, major stage and advanced stage.
  • Different payouts to deal with different stages of cancer.
  • 50% payout of the sum insured for early-stage, 100% for major stage and 150% for the advanced stage of cancer.
  • 7 day survival period is required from the date of diagnosis.
  • The premium amount is free of tax under section 80 D of the Income Tax Act.
Cumulative bonus10% per claim-free year subject to a maximum of 100%
Wellness coachingAccess to wellness coaches for advice on lifestyle, fitness, and nutrition

Aditya Birla Group Insurance Products

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:

  1. Group Activ health
  2. Group Activ secure
  • Both the products are customised keeping in mind the corporate portal and offers flexibility as per need of the company.
  • Group health insurance offers cashless claim settlement and simple documentation.
  • Premium amount paid is exempted under section 80 D of Indian income tax.
Health ReturnsOffer rewards for adopting a healthy lifestyle upto 30% of your health insurance premium and several other rewards
Hospital roomFreedom to choose the room during hospital stay
Activ Health AppApp to track your health and activity along with 24*7 access to health records
Second E-opinionSecond expert advice in case of need

Aditya Birla Health Insurance Exclusions

  • First, if any policyholder goes through hospitalisation due to hazardous occupation or adventurous activities then his treatment expenses are not covered under the policy.
  • Rehabilitation expenses caused due to addiction to some illegal drugs or something are excluded. Treatment for any sexually transmitted disease STDs, HIV and AIDS are not paid any coverage under the plans.
  • Any plastic surgery or cosmetic surgery are also not covered under any insurance plans.
  • Any hereditary disease or genetic disorder is also not covered.
  • Any dental treatment or any type of eyesight and vision assistance are also not covered under the Aditya Birla Health Insurance Plans.

Documents Required

  • Identity proof such as voter ID card etc.
  • Address proof
  • Aadhaar card number
  • Any medical document in case if your health insurance Policy demand.

Aditya Birla Health Insurance Claim Process

  • First, you have to check the list of network hospital on the website of Aditya Birla Health Insurance.
  • You have to show policy number/cashless card at cashless helpdesk of the hospital. You also need to show your ID cards which can be a passport, PAN card or voter ID etc.
  • Then you have to fill the cashless hospitalization request form. If you want to save time then you can even fill the form health insurance online to pump up the process. In case of emergency hospitalization, the form is needed to be filled and submitted maximum within 48 hours of hospitalization. While in pre-planned hospitalization the form can be submitted at least three days before the hospitalization.
  • After making the decision of cashless hospitalization, information regarding the same is provided to the policyholder usually within two business hours.
  • The claim settlement process will be done as per the terms and condition of the hospital on completion of all the formalities.

Aditya Birla Insurance Reimbursement Process

Reimbursement process of Aditya Birla Health Insurance is very simple-

  • The insurance company should be notified in case of an emergency within 48 hours and three days before hospitalization in case of pre-planned hospitalization contact them on the following:- Phone No.: 1800-270-7000, Whatsapp No.: +91 8828-800-035, E-mail: care.healthinsurance@adityabirlacapital.com
  • You have to submit all relevant/required original documents from the hospital and submit them via post or login portal within 15 days of discharge from the hospital.
  • Submit all documents as per the conditions of the insurance policy.
  • You can check the claim status on the portal after logging in with username/member ID and password provided.

Document Required For Claim Process

The following documents must be submitted to the insurance one making the claim request:

  • Duly filled the claim form
  • Original medical bill receipts
  • Dr/physician certificate with information about the diagnosis.
  • Death certificate in case of any demise and other relevant documents.

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

Aditya Birla Health Insurance Renewal Process

  • It is very easy to renew online the Aditya Birla Health Insurance policy before it gets expired.
  • Visit the official website of Aditya Birla Health Insurance Corporation Limited to renew online.
  • Select the ‘Quick renewal’ button and then press on new.
  • Filled up the form on the next window with all accurate personal and policy information.
  • At last, select the ‘Renew Now’ to proceed with the online payment.
  • After payment, a confirmation message will pop up and the same will be emailed to you with information about successful online renewal process for the Aditya Birla Health Insurance Policy.

Factors That Affect The Health Insurance Premium

A health insurance calculator is required to calculate the premium by customizing the information provided that is affected by the following factors:

  • Age of the insured
  • Medical history
  • Coverage type
  • Lifestyle including Resident and occupation also affects the premium amount, e.g. if you are working in coal mines then the premium amount will be more.
  • Tobacco or smoking habits
  • Sum insured amount
  • Body mass index
  • Other factors depending on the policy.

And you can also calculate health insurance online premium very easily by using the health insurance calculator.

Aditya Birla Health Insurance Company Review

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.

FAQs

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