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Aditya Birla Health Insurance is a well-renowned name in the field of insurance. It offers a vast range of different insurance and its Health insurance is one of the most preferable and required insurance plans. 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.
At Aditya Birla Health Insurance, they assure the understanding of diverse healthcare needs of customers around the corner according to time. 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. This is the smart age, and smart technology is becoming the soul of the young generation. 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||10000+|
|Claim Settlement Ratio||89.05%|
|Renewability of the Policy||Lifelong renewal|
|Additional Rider Benefit available||Available|
|Health wellness program||Wellness coaching and wellness fitness centres|
There are many other health insurance policies in the market who promised to strongly focus on offering valuable and better service to the consumers but often forget their aim in the race of profit. Aditya Birla Health Insurance provides hassle-free and promising health insurance solutions but also have proven the same. Aditya Birla Health Insurance has researched the need and requirement of consumer thoroughly and then crafted its health insurance plans, keeping various factors in mind. There are many health insurance plans which not only benefit the individual but also their families, groups and loved ones.
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.
Longer Plan Terms - Aditya Birla Health Insurance range from one year to 3 years which ensures the policyholder to be free from the hassle of renewing health insurance policy every year.
Cover for Pre/Post Hospitalisation 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.
Hospitalisation Expenses Coverage – Aditya Birla Health Insurance plans not only 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.
No Minimum 24-Hour Hospitalisation- With Aditya Birla Health Insurance you can choose the plan that also offers coverage of day care surgeries or other procedures which do not require any hospitalisation for over 24 hours. Advance technology such as dialysis does not require hospitalisation for more than 24 hours but cost too much.
Tax Benefits – Aditya Birla Health Insurance along with the health insurance coverage offer various attractive tax relief benefit to policyholders under the provisions of section 80 D of the income tax act, 1961.
Free Health Checkup- Aditya Birla Health Insurance policy offers free annual health checkup that can be availed by any policyholder above 18 years.
Riders - There are many features of Aditya Birla Health Insurance and along with other features, there are various other additional value-added services. 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.
Flexible Plan Option – Aditya Birla Health Insurance of various plan which customer can choose as per their requirement. These plants can be chosen for an individual, the family is 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 and etc.
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. One can check the list of the same in the policy’s document.
Aditya Birla Health Insurance offers a wide range of health insurance plans. These health insurance plan covers almost everything that you require.
All plans are designed to offer a 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 is designed in order to maintain the well being of your loved. It offers various unique benefits such as health return, 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 including dependent parents and parents-in-law|
|Sum insured||Rs.2 lakh to Rs.2 crore|
|Recovery benefit||Up to 1% of the sum insured subject to a maximum of Rs.10,000|
|Cumulative bonus||Up to 20% per claim-free year subject to a maximum of 100%|
|Day care treatment||Available for several procedures like dialysis|
Activ Health Essential is just not a health insurance plan, it is a well-designed program which is taken towards a healthier life. Activ Health Essential offers a comprehensive cover to take care of various needs of customers and rewards for maintaining a healthy lifestyle. It allows insured to earn up to 30 percent of policy premium as health returns.
|Entry age||91 days- no upper limit|
|Family floater cover||Coverage for 9 members including dependent parents and parents-in-law|
|Sum insured||Rs.50,000 to Rs.10 lakh|
|Copayment||Mandatory copayment of 20%|
|Cumulative bonus||Up to 10% per claim-free year subject to a maximum of 100%|
|Pre-hospitalisation expenses||Up to 30 days prior to the date of hospitalisation|
|Post-hospitalisation expenses||Up to 60 days after discharge from the hospital|
Activ Assure Diamond plan is an exclusive plan launched by Aditya Birla Health Insurance Company and was designed with the intention of protecting the insured and his/her family from different medical exigencies. It also ensures that all its customers should live a healthy life and thus offer many rewards program for staying fit. It offers comprehensive cover to take care of all expenses associated with any medical treatment.
|Entry age||From 91 days- no upper limit|
|Sum insured||Up to Rs.2 crore|
|Day care treatment||Covered for up to 586 procedures|
|Organ donor expenses||Covered for both receiving and donating organs|
|Reload of sum insured||Reload up to 150% subject to a maximum of Rs.50 lakh|
|Daily cash allowance||Rs.500 per day (max. 5 days) for sum insured up to Rs.4 lakh|
No matter how careful you are on route sometimes you face consequences of others doing. Roads in India are very unpredictable. Accidents and injuries on roads can strike out of nowhere and may cost you a lot more than you can expect. Activ secure personal accident covers 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|
|Education benefit||Lump sum payment of 10% of the sum insured|
|Orphan benefit||10% of the sum insured|
|Emergency ambulance service||Up to Rs.1,000|
|Funeral expenses||1% of the sum insured subject to a maximum of Rs.50,000|
Time cannot be controlled. We all cherish the good times but try to turn our back even from the slightest thought of something bad. It is the biggest mistake that that is the only risk that one face in life.Nowadays there are various critical illness which makes life worse than that. Critical illness not only traumatises you and your loved ones physically, mentally and emotionally but it also drain out all your financial security as critical illness treatment is quite expensive.
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||Coverage for up to 14 illnesses with 100% payout|
|Plan 2||Coverage for up to 50 illnesses with 100% payout|
|Plan 3||Coverage for up to 64 illnesses 1|
|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 each completed period of 24 hours in hospital|
|Double benefit for ICU hospitalisation||Available for a maximum of 10 days|
|Convalescence benefit||1 day worth of cash benefit|
|Parental accommodation||1 day worth of cash benefit if children aged 12 or less get admitted|
|Wellness coach (optional)||Access to wellness coaches for advice on lifestyle, fitness, and nutrition|
Cancer is an unavoidable disease which is spreading so fast. People not only lose their life but also their hard earned money, hope to live a life happily and savings. Treatment of cancer includes various modern medical treatments such as radiatios, chemotherapy and etc., that is quite expensive. The Activ Secure – cancer secure is a smart health insurance plan which is specifically and uniquely designed to offer financial protection against cancer treatment.
|Payout benefits||50% of sum insured for early detection 100% of sum insured|
|Additional payout||Payout available for major stage|
|Survival period||7 days following the first diagnosis of cancer|
|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 percent 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 & 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-
Following document 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
Aditya Birla Health Insurance premium is calculated on the basis of the following factors
And you can also calculate online premium very easily buy using the online health insurance premium 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. Its goals and mission are enough to show how much it values its customer and offer great services for a long term association. It is surely a recommend platform for your health insurance purchase.
Aditya Birla Health Insurance Co. Ltd.
13th Floor, R Tech Park,
Off Western Express Highway
Goregaon East, Mumbai
Maharashtra 400 063
Customer Care Toll Free No – 1800 270 7000
1. How can I track my claim status?
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.
2. What is the timeline for the claim settlement ratio?
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.
3. How do I transfer my existing health insurance policy to a different health insurance company?
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.
4. What is the procedure of payment in case of the reimbursement claims?
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.
5. Can the cashless facility of Aditya Birla Health Insurance be availed for the treatment in government hospitals?
No cashless facility of Aditya Birla Health Insurance cannot be availed in the government hospital
6. What is the difference between an individual and a floater cover inActiv health essential health insurance plan?
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.
7. Is there any plan that of a maternity cover? Please explain.
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.
8. What is the validity of my health-insurance policy?
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.
9. Is the portability in Aditya Birla Health Insurance plan?
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.
10. Are chronic disease covered under the Activ health insurance plan?
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.