About Aditya Birla Health Insurance
Aditya Birla Health Insurance Co. Limited started its operations in October 2016 as a joint venture between Aditya Birla Capital Limited and MMI Strategic Investments Pvt. Ltd. It provides a wide range of health insurance policies that offer extensive coverage to customers that are designed to cover their diverse healthcare needs with attractive benefits.
Highlights
| Network Hospitals | 7000+ |
| Number Of Advisors | 29700+ |
Table Data updated on 19-11-2020
Aditya Birla Health Insurance Plans
1. Aditya Birla Activ Assure Plan
Aditya Birla Activ Assure Diamond Plan
The Aditya Birla Activ Assure Diamond plan provides a cover for total expenses arising out of hospitalization. The plan also covers the expenses for the treatments done under Ayurveda, Unani, Siddha, Yoga & Naturopathy, and Homeopathy systems.
Key Features
- The plan offers coverage for pre-hospitalization and post-hospitalization expenses i.e., 30 days before hospitalization and 60 days after getting discharged.
- 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) | 5 Years- No maximum age limit |
| Policy Term | 1 year, 2 years & 3 years |
| Sum Insured | Rs. 2 Lacs to 2 Crores |
Table Data updated on 19-11-2020
2. Aditya Birla Activ Health Plan
i) Aditya Birla Activ Health Platinum-Enhanced
Aditya Birla Activ Health Platinum-Enhanced is specifically designed to support you in the time of medical crisis and offers comprehensive coverage against medical bills.
Key Features
- Under this plan, in case of chronic illnesses such as diabetes, high cholesterol, and asthma, the policyholders are eligible to get day 1 cover for the cost of medicines, tests, and doctor consultation.
- The plan allows the policyholders to choose the hospital room of their liking and preferences.
- The plan also lets the policyholder earn up to 30% of their annual policy premium as Health Returns.
Eligibility Criteria
| Entry Age | 91 Days to No Limit |
| Policy Term | 1 year, 2 years & 3 years |
| Sum Insured | Rs. 2 Lacs to 2 Crores |
Table Data updated on 19-11-2020
ii) Aditya Birla Activ Health Platinum-Essential
Aditya Birla Activ Health Platinum-Essential Plan offers comprehensive coverage against your medical expenses. The plan understands the need for a better lifestyle and keeps encouraging you with several rewards.
Key Features
- The plan covers 527 daycare procedures.
- The policyholder is eligible to get 10% of the sum insured as a cumulative bonus for every claim-free year.
- The plan offers Tax Benefits under section 80D of the Income Tax Act, 1961.
Eligibility Criteria
| Entry Age | 91 Days to No maximum Limit |
| Policy Term | 1 year, 2 years & 3 years |
| Sum Insured | Rs 50,000 to Rs 10 Lacs |
Table Data updated on 19-11-2020
3. 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 |
| Age at entry | Minimum: 55 years |
| Maximum Sum Insured | Rs. 10 Lacs | Rs. 25 Lacs |
Table Data updated on 19-11-2020
4. Aditya Birla Activ Secure Plan
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 benefit
- 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 |
Table Data updated on 19-11-2020
The values may change as per the chosen plan option.
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 it. The plan ensures that its wide range of benefits 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 the comprehensive 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-laws |
| Maximum Sum insured | Rs. 1 Crore |
Table Data updated on 19-11-2020
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 |
Table Data updated on 19-11-2020
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 the 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 his/her diagnosis.
Eligibility Criteria
| Age | Minimum: 18 years
Maximum: No Limit |
| Short survival period | 7 days after the date of diagnosis |
Table Data updated on 19-11-2020
v) Global Health Secure
Global Health Secure is an international health cover that provides protection from listed 16 major illnesses, and cashless treatment across a global network of hospitals. This plan is designed to provide global healthcare options that keep you safe no matter where you are.
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 repatriation of mortal remains are also provided.
Eligibility Criteria
| Age | Minimum: 91 days/5 years
Maximum: 65 years |
| Renewal Age | No Limit |
Table Data updated on 19-11-2020
5. Aditya Birla Group Insurance Products
i) Aditya Birla Group Activ Health Plan
Aditya Birla Group Activ Health plan provides comprehensive coverage with top-class features to members of a group.
Key Features
- A cashless claim settlement is possible.
- The plan offers multiple option covers to choose from with a 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
- Group Personal Accident Cover
- Group Critical Illness Cover
- Group Hospital Cash Benefit
iii) Aditya Birla Group Activ Travel
It is comprehensive travel insurance that is highly customizable with several optional covers to meet the needs of the customers.
Key Features
- Under this plan, one can choose the region-specific plans to fulfill his/her travel needs.
- The plan also offers new-age features such as an emergency home visit, lifestyle support due to accidents, and mugging cover.
- The plan offers a bag full of additional services in case of medical/non-medical emergencies.
Why Should You Buy Aditya Birla Health Insurance?
Aditya Birla looks after the overall health of the person, which includes an active health management program that takes care of all the lab tests, doctor consultations, and appointments. It provides chronic management and health assessment programs that ensure hassle-free access to all health facilities.
The company also rewards you for living a healthy life that can be tracked through its Health Dashboard. Your health is monitored through a host of parameters like the Healthy Heart Score, Activ Dayz program, etc. All these programs motivate you to remain active and healthy.
How To Buy an Aditya Birla Health Insurance Policy?
If you want to buy Aditya Birla Health Insurance without much trouble, there are two options to do so- from the company and PolicyX.com. Let's know more about them.
Through Aditya Birla'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 be then 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 on your registered e-mail address.
Through PolicyX.com
- On the top right corner of this page, look for 'Calculate Aditya Birla Health Insurance Premium' form.
- Fill the required details to get the list of several quotes.
- Choose the best Aditya Birla Health plan and pay the premium online.
- Your policy will be shared on your registered email address.
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 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.
1. 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
2. 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).
