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Aditya Birla Group Health Insurance
Aditya Birla Group health insurance offers options like Aditya Birla Group Activ Health, Activ Secure, and Activ Travel. Group health insur…
- 92.97% claim settlement ratio
- Day 1 coverage
- Up to 30% health returns
Aditya Birla Health Insurance
Aditya Birla Arogya Sanjeevani Plan
The IRDAI-mandated health insurance policy offers coverage for hospita ...Read More
Up to 1 Cr
Sum insured
1
No. of plans
4800+
Pan India presence
96%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,709 reviews
🏥 12,900+ hospitals
📊 1.88 solvency ratio
✅ 96% claim settlement
About Aditya Birla Arogya Sanjeevani Plan
A quick read on what this Aditya Birla Health Insurance plan covers and why it might be a fit for you.
Aditya Birla Arogya Sanjeevani Policy is an IRDAI-mandated standard health insurance plan designed to provide essential medical coverage at an affordable cost. It covers a wide range of healthcare needs, including in-patient hospitalization, pre and post-hospitalization expenses, and daycare treatments. The policy also extends coverage to AYUSH treatments, cataract surgeries, and joint replacement procedures, along with ambulance charges. Available for both individuals and families, this plan ensures comprehensive protection for basic healthcare requirements.
This page provides all details related to the Aditya Birla Arogya Sanjeevani Policy.
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
Min- 3 months, Max- 65 years
Plan type
Individual and Family Health Insurance
Sum insured options
₹1 L, ₹2 L, ₹3 L, ₹4 L, ₹5 L
Waiting period
30 days
Renewability
Lifelong
Policy term
1 Year
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
Pros & cons
A quick honest summary — the strengths and the trade-offs.
Pros
- All daycare procedures
- AYUSH treatment
- Cataract expenses covered.
Cons
- Domiciliary hospitalisation
- OPD charges
- Automatic restoration.
What's covered
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
Hospitalization
- Room rent Covered
- ICU charges Covered
- Pre-hospitalization Covered
- Post-hospitalization Covered
- Domiciliary hospitalization Not covered
- Day-care treatment Covered
- OPD charges Not covered
- Covid-19 treatment Covered
- Cataract Covered
Bonuses & restoration
- No-claim bonus Covered
- Automatic restoration of SI Not covered
- Daily hospital cash Not covered
Family & special care
- Maternity cover Not covered
- New-born baby cover Not covered
- IVF treatment Not covered
- AYUSH treatment Covered
- Organ donor expenses Not covered
Modern & preventive care
- Modern treatment Not covered
- Road ambulance Covered
- Air ambulance Not covered
- E-consultation Not covered
- Health check-up Not covered
- Second medical opinion Not covered
- Vaccination Covered
Conditions & global
- Co-payment Covered
- Sub-limits Covered
- Compassionate travel Not covered
- Global coverage Not covered
Aditya Birla Health Insurance Network Hospital List
Aditya Birla Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Aditya Birla Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Exclusions
- Permanent diseases or health conditions that are not included under Aditya Birla Arogya Sanjeevani Policy are:
- Investigation & Evaluation
- Rest cure, rehabilitation, & respite care
- Obesity/weight control
- Change of gender treatments
- Maternity expenses and newborn care
- Unproven treatment, sterility/infertility
- Treatment taken outside India
- Hazardous/adventure sports/life-threatening activities
- Plastic/cosmetic surgery
- Breach of law
- Suicide or self-inflicted injury
- Any expenses incurred on Domiciliary Hospitalization and OPD treatment
- Treatment for alcoholism, drug or substance abuse
- Certain diseases and treatments are covered under this plan after a specific waiting period:
- Specific illnesses (Hernia, Piles, Cataract and age-related eye ailments, Varicose veins etc): 24 months
- For joint replacement treatment or Age-related Osteoarthritis & Osteoporosis: 48 months
- Pre-existing diseases: 48 months
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Min entry age: 18 Years
- Max entry age: 65 Years
- Initial Waiting Period: 30 Days
- Sum Insured: Up to 5 L.
Other features & benefits
Summary
Are you searching for a health insurance policy that covers basic healthcare facilities at an affordable premium? Look no further!
Aditya Birla Arogya Sanjeevani Policy covers all essential medical care benefits such as ambulance for emergency hospitalization, pre and post-hospitalization, daycare procedures, AYUSH treatment, room rent and ICU charges, COVID-19 expenses, and much more.
Call us at 1800 4200 269 and get quotations for the Arogya Sanjeevani Aditya Birla health insurance plan only at PolicyX.
Aditya Birla Arogya Sanjeevani Policy: FAQs
The 5 most-asked questions about Aditya Birla Arogya Sanjeevani Plan, answered.
It provides a cashless treatment facility for several basic healthcare services such as pre & post-hospitalization, daycare procedures, AYUSH treatment, and so on.
No, the Aditya Birla Arogya Sanjeevani policy does not cover maternity or newborn care expenses.
You can include your parents in a family floater plan upto the age of 65 years.
Arogya Sanjeevani policies are generally basic health insurance plans that come with lower sum insured options, no riders available, fewer coverage benefits, limited room rent capping, and so on.
Yes, networking hospitals provide cashless treatment facilities under this insurance policy.
Conclusion
The Aditya Birla Arogya Sanjeevani Policy is a comprehensive health insurance plan that provides ess
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