Aditya Birla Health Insurance

Aditya Birla Health Insurance Overview

Aditya Birla Health Insurance offers comprehensive health plans that go beyond basic hospitalization, covering modern treatments, wellness benefits, and high-value claims support. With a strong claim settlement ratio of around 96% and popular plans like Activ One, it is a reliable choice for individuals and families looking for flexible and long-term health coverage in India.

It is a joint venture between Aditya Birla Capital Ltd. (ABCL) and MMI Holdings of South Africa.

If you are looking for a health plan for yourself, your spouse, or your elderly parents, your search ends with Aditya Birla Health Insurance. With a customer base of more than 2.5 crore, Aditya Birla Health Insurance is a suitable choice for health insurance.

Key Highlights

• 11000+ Network Hospitals
• 96% Claim Settlement Ratio
• Chronic Disease Management Covered
• Health Coach Available
• 24x7 Customer Support

Features That Set Them Apart

• Serving over 2.5 crore customers
• A comprehensive chronic management program to promote a healthy lifestyle
• Presence in more than 4800 cities
• International travel for treatments
• Unlimited teleconsultations

Aditya Birla Health Insurance Awards and Accolades

1. Best Health Insurance Company of the Year
2. Best Group Insurance Growth
3. Best Talent Diversity and Culture Initiative
4. Excellence in Claims Service
5. Best Product Innovation - BFSI

Why Choose Aditya Birla Health Insurance?

• Inflation-Proof Health Insurance with Super Credit
• Super Reload for continuous coverage
• Inclusive Health Insurance with Coverage Against Chronic Illnesses
• Worldwide Emergency Assistance Anywhere You Go
• Achieve Your Fitness Goals with a Personal Coach

What Is Covered By Aditya Birla Health Insurance?

Pre and Post Hospitalization Expenses

Aditya Birla Health Insurance understands the impact of medical inflation, so they have made sure that their insurance products contain pre and post-hospitalization expenses related to in-patient hospitalization.

AYUSH Treatments

Most Aditya Birla Health Insurance plans have in-built alternative treatment cover which you can utilize to your benefit. AYUSH treatments include Ayurveda, Unani, Siddha, and Homeopathy treatments.

Hospitalization Expenses

Aditya Birla health insurance plans cover your hospital expenses like room rent, ICU charges, surgery expenses, doctor consultations, and other such expenses.

Day Care Treatments

Multiple procedures do not require a 24-hour hospitalization. With this in mind, a majority of the Aditya Birla health insurance plans are designed to cover daycare procedures for policyholders.

Domiciliary Hospitalization

On a doctor’s recommendation, a policyholder can avail of medical care in the comfort of their home. Aditya Birla health insurance plans cover domiciliary hospitalization up to specified sub-limits.

What Is Not Covered Under Aditya Birla Health Insurance?

Self-Inflicted Injuries

Aditya Birla health policies will not cover injuries or hospitalization caused by self-harm.

Cosmetic Procedures

Aditya Birla Health Insurance plans do not cover any kinds of cosmetic surgeries or treatments.

Adventure Sports

Aditya Birla Health Insurance plans will not cover you for hospitalizations or accidents caused due to adventure sports.

Obesity or Weight Control Treatments

Aditya Birla Health Insurance plans mostly do not cover treatments related to obesity and weight management such as bariatric surgeries.

Involvement In Illegal Activities

Aditya Birla health insurance company plans do not cover individuals or families for hospitalization or injuries caused due to unlawful activities.

What Are The Different Waiting Periods In Aditya Birla Health Insurance Plans?

The various waiting periods associated with Aditya Birla Health plans are:

Initial Waiting Period

Begins from the date of purchase and lasts for up to 30 days for most Aditya Birla Health Insurance plans.

Pre-existing Disease Waiting Period

Aditya Birla Health Insurance plans require you to serve specific waiting periods if you are diagnosed with PEDs such as hypertension, diabetes, or other conditions.

Survival Period

Like waiting periods, Aditya Birla health insurance plans with critical illness coverage have a survival period. During this period, policyholders diagnosed with any listed critical illness must outlive the survival period to enjoy coverage benefits.

How To Buy Aditya Birla Health Insurance Plans?

If you are looking forward to purchasing Aditya Birla Health insurance online, follow these simple steps:

1. Step 1: Visit the PolicyX health insurance page, and enter your details such as name, age, number of members to be covered, and city.
2. Step 2: Click on 'Get free quotes' and compare Aditya Birla Health Insurance Plans as per your needs.
3. Step 3: Select and pay premiums online for the Aditya Birla health insurance plan of your choice.
4. Step 4: Our team of insurance experts at PolicyX will provide you with all the assistance required regarding claims and other queries post-purchase of your Aditya Birla Health Insurance plan.

Documents Required For Aditya Birla Health Policy Claim Settlement

Submit the following documents when filing for Aditya Birla health claims:

• Duly completed and signed original claim form
• Valid photo-ID proof
• Medical practitioner's referral letter and prescription
• Original bills, receipts, and discharge cards from the hospital/medical practitioner
• Original bills from pharmacy/chemists
• Original pathological/diagnostic test reports, radiology reports, and payment receipts
• Indoor case papers
• First Information Report (FIR) and final police report, if applicable
• Post-mortem report, if conducted
• Any other document as required by the company to assess the claim

How To Calculate Aditya Birla Health Insurance Policy Premiums?

Compare and calculate the best Aditya Birla health policies with the PolicyX premium calculator using these simple steps:

1. Step 1: Visit the official PolicyX website.
2. Step 2: Fill in details such as name, number of family members to be covered, city, and other information.
3. Step 3: Click on 'Get Quotes'.

How To File A Claim Under Aditya Birla Health Insurance Plan

You can file cashless as well as reimbursement claims for your Aditya Birla Health Insurance Plans by following these easy steps:

1. Step 1: Visit the website of Aditya Birla Health Insurance and select the "Claim" option. Then click on "Claim Intimation" to access the form.
2. Step 2: Select "health claim" and provide the required information, such as policy number, date of birth, and other details.
3. Step 3: Select the "claim type" (cashless or reimbursement). Click "authorize" to receive an OTP on your registered mobile number.
4. Step 4: Verify with the OTP, then fill in the hospital admission information. Select the hospital or provide details if it's a non-network hospital.
5. Step 5: Upload the required documents and click "review".
6. Step 6: After reviewing, submit the intimation for the company's assessment. You will receive a claim intimation number; please note it for future reference.

Aditya Birla Health Insurance Renewal Process

Follow these steps for Aditya Birla Health Insurance policy renewal:

1. Step 1: Visit the official website of Aditya Birla Health Insurance Company.
2. Step 2: Click on the ‘Renew’ tab.
3. Step 3: Mention your ‘Policy Number’ and ‘Date Of Birth’.

Connect with our insurance experts for Aditya Birla health insurance policy renewal at 1800 - 4200 - 269.

How To Port To Aditya Birla Health Insurance?

To port your existing policy to Aditya Birla health insurance, follow the steps mentioned below:

1. Step 1: Fill out the portability form and send the application to Aditya Birla Health Insurance Company at least 45 days before the renewal date of your existing health plan.
2. Step 2: As per IRDAI guidelines, the new insurance company will cross-check your medical and claims history from the previous insurer within 7 days of receiving the portability form.
3. Step 3: Once the policyholder's details are verified, the new insurance company must communicate its decision—either approval or rejection—within 15 days.