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 was founded in the year 2015 and commenced its operations in October 2016.
It has over 17,000 employees and over 2 lakh agents and channel partners.
One of the most appealing features of Aditya Birla Health Insurance policies is wellness and rewards. This initiative of the company helps you in keeping track of your health and encourage you to improve your health in order to meet goals and reap further rewards.
Along with this, Aditya Birla Medical insurance offers health plans that come with several other benefits. Some of the benefits that Aditya Birla Health Insurance plans offer are cashless treatment, cover for ambulance charges, AYUSH treatments, pre, and post-hospitalization expenses, and many more.
Along with this, the company offers a wide range of health insurance plans for you and your family that offers complete medical coverage in case of any illness, sickness, disease, or accident
Continue reading to explore more about the Aditya Birla Health Insurance Policy details:
Types Of Health Plans Offered By Aditya Birla
Healthcare needs differ from person to person. To cater to every healthcare need of an individual and their family, Aditya Birla Mediclaim policy comes with several plans:
Aditya Birla Health Insurance company offers 8 health plans that provide coverage to an individual and their family from every eventuality of life.
Have a look at all the plans available under Aditya Birla Health Insurance Company:
The plan is suitable for those who want to secure their expenses at the time of an accident, critical illness, or other such situations.
Global Health Secure
Global Health Insurance
The plan can be found suitable by frequent travellers as it helps policyholders avail cashless treatment internationally
Group Products
Group Health Insurance
This plan is a suitable option for those who want to cover a group of people under the same policy.
Corona Kavach
Corona Specific Plan
The plan can help you remain prepared to fight against covid expenses.
Watch Video For Detailed Review
Let's Discuss all Aditya Birla Health Insurance Plans in Detail:
Aditya Birla Activ Health Platinum Plan
Aditya Birla Activ Health Platinum plan comes in three variants: Enhanced, Essential & Premier.
i) Aditya Birla Activ Health Platinum-Enhanced
Aditya Birla Activ Health Platinum-Enhanced is designed to support you in the time of medical crisis and offers comprehensive coverage against medical bills.
Key Features:
The plan offers coverage to certain health issues such as Mental Illness, Obesity, Dental Consultations, etc.
One can avail of AYUSH coverage under this plan.
The plan offers Chronic Care Management Program, under which if you or any of your family member suffers from any chronic condition such as diabetes, asthma etc., the company will assign an expert who will continuously manage and will monitor your progress making it easier for you to deal with such illness.
Eligibility Criteria:
Entry Age
91 Days - No Limit
Sum Insured (in Rs.)
50 Thousand - 2 Crores
Aditya Birla Activ Assure Diamond Plan
The plan provides a cover for total expenses arising out of hospitalization as well as offers several discounts when bought for 2/3 years or when bought together for a family. The plan also comes with several additional add-on benefits.
Key Features:
The plan covers up to 586 daycare procedures if the hospitalization is for less than 24 hours.
If the sum insured with no claim bonus is finished due to previous claims, the policyholder will get a reload of 150% of the sum insured.
The plan also offers rewards for staying fit and healthy.
Eligibility Criteria:
Entry Age (for individual policy)
91 days - No maximum age limit
Policy Term
1 year, 2 years & 3 years
Sum Insured
Rs. 2 Lacs to 2 Crores
**Last Updated on April, 2022
Aditya Birla Activ Assure Diamond + Super Top-Up Health Plan
This combination of plan covers medical expenses up to Rs. 1 Crore. With several benefits, the plan also lets the policyholder avail of Health & Wellness Discounts.
Key Features:
The plan covers the road ambulance expenses up to Rs. 5,000.
One can avail coverage for Covid-19 related expenses.
Expenses for domiciliary hospitalization are covered up to the sum insured.
Eligibility Criteria:
Entry Age
91 days - 65 years
Maximum Sum Insured
Rs. 1 Crore
**Last Updated on April, 2022
Aditya Birla Activ Care Plan
The Activ Care plan is designed for senior citizens to help them cover their overall medical costs arising out of hospitalization. Individuals can avail of this plan for their parents and grandparents to protect them financially in times of sickness. This plan is available in three variants - Standard, Classic, and Premier.
Key Features:
The plan provides comprehensive health care check-up coaching sessions by a personal health coach every year to ensure that parents/senior citizens are hale and hearty.
You can earn up to 21% of the premium under the HealthyReturns program.
The plan allows policyholders to take a second e-opinion for their major illnesses through certified hospitals and provides health & wellness discounts as well.
Eligibility Criteria:
Category
Standard
Classic
Premier
Entry Age
Minimum: 55 years
Maximum Sum Insured
Rs. 10 Lakhs
Rs. 25 Lakhs
**Last Updated on April, 2022
Aditya Birla Activ Secure Plan
Aditya Birla Activ Secure Plan offers 4 types of plan to the policyholder that provides coverage to you and your family against all unfortunate incidents. Let's find out more about those plans:
i) Activ Secure Personal Accident Plan
The Active Secure Personal Accident Plan is designed to protect individuals and families from all the contingencies (death and disabilities) that occur due to accidents.
Key Features:
Apart from 100% total payout for death or disability (permanent or partial) due to accidents, the company also offers the option to select from five base plans that give a wide range of benefits such as:
Education benefit
Emergency road ambulance cover
Funeral expenses
Repatriation of mortal remains
Orphan benefit
Modification benefit (residence/repair)
Compassionate benefits
The plan also provides a cumulative benefit of 5% every year
Eligibility Criteria:
Age
Minimum: 5 years, Maximum: 65 years
Sum Insured
12 times the annual gross income
ii) Activ Secure Critical Illness Plan
The Activ Secure Critical Illness plan is designed to provide financial protection against critical illnesses and the expenses related to them. The benefits offered by this plan can help individuals get compensated against the loss of income arising out of critical illnesses.
Key Features:
The policy offers three plans:
Plan 1: Protection against 20 critical illnesses
Plan 2: Protection against 50 critical illnesses
Plan 3: Protection against 64 major critical illnesses
All three plans offer complete protection against all hospitalization expenses occurring since the first diagnosis, including a second health opinion and the services of a wellness coach.
Under this plan, the policyholder gets a 150% payout of the sum insured for the diagnosis of more than one critical illness.
Eligibility Criteria:
Age
Minimum entry age: Plan 1 & 2: 5 years, Plan 3: 18 years
Relationships covered
Self, spouse, up to 4 children, up to 2 parents and 2 parents-in-law
Maximum sum insured
Rs. 1 Crore
iii) Activ Secure Hospital Cash Plan
The Activ Secure Hospital Cash Plan is designed to provide daily cash benefit for covering day-to-day expenses while being hospitalized.
Key Features:
The plan provides a cash benefit for each day of hospitalization, irrespective of the hospital bill.
Apart from these benefits, the plan also provides convalescence benefits, parental accommodation benefits, and a wellness coach who offers guidance on nutrition, fitness, and lifestyle habits.
Eligibility Criteria:
Days of the daily cash benefit
30/45/60
Cash benefit
Rs. 500 - Rs. 10,000
iv) Activ Secure Cancer Secure Plan
The Active Secure Cancer Secure Plan is designed to provide a total medical cover for expenses arising out of a cancer diagnosis. The plan provides benefits for all three stages of cancer - early, major, and advanced-stage cancer.
Key Features:
The plan offers a 10% cumulative bonus up to a maximum of 100% of the sum insured.
The coverage of the plan varies according to the diagnosis- 50% of sum insured for early-stage cancer, 100% of sum insured for the major stage of cancer, and 150% of sum insured for the advanced stage of cancer.
Apart from the above benefits, the policyholder also gets the option to avail of a second medical e-opinion on their diagnosis.
Eligibility Criteria:
Age
Minimum: 18 years, Maximum: No Limit
Short survival period
7 days after the date of diagnosis
Aditya Birla Global Health Secure
Global Health Secure is an international health cover that protects from listed 16 major illnesses, and cashless treatment across a global network of hospitals.
Key Features:
The plan provides total international health cover for all expenses arising out of in-patient care such as doctor's fees, room rent, medicines, drugs, operation theatre expenses, and other expenses.
If the policyholder is diagnosed with any one of the listed 16 major illnesses, then an international second e-opinion is also provided.
Other benefits like an organ donor, travel, accommodation, and the repatriation of mortal remains are also provided.
Eligibility Criteria:
Entry Age
Minimum: 91 days/5 years, Maximum: 65 years
Renewal Age
No Limit
**Last Updated on April, 2022
Aditya Birla Group Insurance Products
Aditya Birla Group Insurance Products offer three types of plans that allows the policyholder to choose as per their requirements
i) Aditya Birla Group Activ Health Plan
Aditya Birla Group Activ Health plan provides comprehensive coverage to members of a group.
Key Features:
A cashless claim settlement is possible.
The plan offers multiple option covers to choose from with simple underwriting for quick policy issuance.
You can receive tax benefits for the premium paid for this plan.
ii) Aditya Birla Group Activ Secure Plan
Aditya Birla Group Activ Secure Plan offers a lump-sum benefit to the policyholder against health events under the following plans-
Key Features:
The plan offers Group Personal Accident Cover
The plan offers Group Critical Illness Cover
The plan offers Group Hospital Cash Benefit
iii) Aditya Birla Group Activ Travel
It is comprehensive travel insurance that is customizable with optional covers to meet the needs of the customers.
Key Features:
Under this plan, one can choose the region-specific plans to fulfil their travel needs.
The plan also offers new-age features such as an emergency home visit, lifestyle support due to accidents, and a mugging cover.
The plan offers a bag full of additional services in case of medical/non-medical emergencies.
Aditya Birla Corona Kavach
Getting diagnosed with Corona not only has ill effects on your body but also has the potential to wipe off all your savings. Under Aditya Birla Corona Kavach, you can avail protection against covid-19 related expenses for yourself and your family.
Key Features:
The plan covers PPE Kit, gloves, and mask expenses.
AYUSH Treatment expenses are also covered.
No medical tests are required to enrol under this policy.
Eligibility Criteria:
Coverage Available to
Legally wedded spouse Parents and Parents-in-law Dependent Children (i.e. natural or legally adopted) between the age of 1 day and 25 years. If the child above 18 years of age is financially independent, they shall be ineligible for coverage
Sum Insured
Rs. 50,000 - Rs. 5 Lakhs
Policy Term
Three and Half Months (105 days), Six and Half Months (195 days), Nine and Half Months (285 days) including an initial waiting period of 15 days.
What Are The Key Features of Aditya Birla Health Insurance?
To get a more insight into the company's performance, take a look at the below ley features that will help you to analyze the company based in its performance:
Network Hospitals: The company has a tie up with a wide range of more than 10,551 hospitals. These hospitals allow the policyholder to avail cashless facility at the time of medical emergency
Solvency Ratio: Solvency Ratio helps the prospective policyholder to 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. Aditya Birla Health Insurance has a Solvency Ratio of 1.95 as per the IRDAI Annual Report 2020-21.
ClaimSupport: Claim support of the company helps you analyze the claims settling ability of the company. As per the IRDAI Annual Report of 2020-21, the Claim support of Aditya Birla Health Insurance is 99.73
Annual Premium: As per the Annual Report of IRDAI 2020-21, The Annual premium of Aditya Birla Capital 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.
Why Should You Buy 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 ReturnsPolicyholders who maintain a healthy lifestyle are rewarded for the same. One can get further information from the company's official website if you wish to learn more about this provision.
Dedicates customer supportAditya Birla Mediclaim policy offers a team of experts that are always available to sort out any insurance-related queries.
Wide Range of Network HospitalsWith over 10051+ network hospitals, Aditya Birla Health Insurance company ensures to offer you a stress-free cashless facility.
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 the people to manage their costs of life. One can also avail cashless coverage for OPD charges, such as medicines, diagnostic tests, and doctor consultations, from the first day.
Tax BenefitsThe cost of premium paid against the Aditya Birla Health Insurance policy helps you to avail tax benefits under the section 80D of the Income Tax Act.
Network Hospitals of Aditya Birla Capital Health Insurance
Aditya Birla health insurance hospital list is really vast with over 10,051+ network hospitals where you can easily avail of the cashless facility, and get treated without paying any money from your pocket. With such a wide network of empanelled hospitals, you don't have to arrange funds at the time of a medical emergency.
Let's take the example of Mr Sharma, a 45-year-old man living in Indore.
Mr Sharma's younger son (7 years old) got severe pain in his lower abdomen and had to get hospitalized in an emergency. Thanks to Mr Sharma's Aditya Birla Health Insurance policy, he was able to avail the cashless facility without having to worry about the money.
The cashless treatment availed by Mr Sharma helped him to not get stressed about the money in an already stressed situation.
To overcome such medical emergencies, it is always better to ensure that you are choosing a company that has ample network hospitals in your vicinity.
How To Calculate Aditya Birla Health Insurance Premium?
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.
How To Buy an Aditya Birla Health Insurance Policy?
For buying Aditya Birla Health Insurance policy, one has two options. Either they can directly from the website or can buy from PolicyX.com.
Take a look below to understand both the process:
For buying from the company's website
Visit the official website of the company. On the top, you will find a sub-title 'Protecting'. Click on the 'Health Insurance' option under that sub-title.
You will then be redirected to the Health Insurance page. On the top-right corner, click on the 'Quick Quote'.
Enter all the required details and your health insurance premium amount will be displayed on the screen, where you can select the plan as per your needs and requirements.
Once you pay the premium online, you will get all the policy documents at your registered email address.
For buying from PolicyX.com
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.
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 up your policy number, prosper's date of birth or mobile number.
How is an Aditya Birla Health Insurance Claim Processed?
Cashless Claim
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.
Reimbursement Claim
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:
Claim form (Part A & B)
Health card
KYC documents
Original discharge summary
Hospital bills
The invoice with payment receipt
All consultation papers
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 number: 18002702700
Aditya Birla Health Insurance: Frequently Asked Questions
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.
Find Out What The Customers Are Saying
(Showing latest 5 reviews only)
- 4.1/5 (53 Total Rating)
May 26, 2022
Gurjeet Singh
Gurgaon
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.
February 21, 2022
Riya
Bengaluru
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
February 17, 2022
mihir jani
Gandhinagar
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 cashless claim like a family member
October 19, 2021
Dilpreet Singh
Pune
very vast range of plans! the premiums are decent for anybody s budget. I would 1000% recommend the comapny
October 18, 2021
Kinshuk
Hyderabad
It has been an absolute pleasure associating with policyx for my health insurance. They have been very helpful in my decision.
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.