Aditya Birla Plans for Family

Aditya Birla Family Health Insurance

Aditya Birla Health Insurance Company is a leading provider of comprehensive health insurance plans, offering affordable premiums to meet diverse health insurance needs. Aditya Birla Health Insurance offers a wide range of benefits for individuals and families, providing comprehensive coverage from regular medical check-ups to hospitalization care, with features designed to promote fitness.

Aditya Birla Family Floater Health Insurance Plan is a cost-effective solution that covers multiple family members under a single sum assured and premium. This allows the sum assured to be distributed among family members for multiple claims, proving more economical than purchasing individual policies.

Eligibility Criteria

Key Features of Aditya Birla Health Insurance for Family

Aditya Birla Health Insurance is a trusted name for family health needs. Here are its key features:

• Sum insured options ranging from Rs. 2 Lakh to Rs. 2 Crore.
• Up to 6 members can be covered under the family floater plan (2 adults + 4 children), including self, spouse, and dependent children.
• Recovery benefits under the plan.
• Health returns.
• Domestic or international emergency assistance services (including air ambulance).
• The policy is available for a term of 2 years, 3 years, and 4 years.
• No claim bonus is an advantage.

Benefits of Aditya Birla Health Insurance for Family

Aditya Birla Family Floater Health Insurance Plans offer a wide range of benefits for you and your family:

• The sum assured can cover multiple family members. Policyholders can choose a higher or lower sum assured based on their healthcare needs and location, which impacts the premium.
• Cashless hospitalization is available at network hospitals, provided the insurer is informed within 24 hours of hospitalization. For emergencies, accidents, or non-network hospitals, reimbursement may be offered after treatment.
• Room rent is covered up to a specified daily limit for hospitalization.
• The plan may include a co-payment clause, where the insured pays a percentage of the hospitalization cost, leading to lower premiums.
• A medical examination may be required for a higher sum assured, older age groups, or pre-existing medical conditions. For online policies, a declaration of good health may suffice in most cases, negating the need for a medical check-up.

Aditya Birla Health Insurance Plans for Family: Inclusions

Aditya Birla Health Insurance family plans offer comprehensive coverage, simplifying the management of medical needs for all family members. Key inclusions are:

• Pre and post-medical expenses are covered up to a certain limit.
• 586 daycare procedures are included in the plan.
• In-patient hospitalization expenses are covered based on the sum insured opted for.
• AYUSH in-patient hospitalization expenses are covered.
• Road ambulance cover is included up to a certain limit.
• Second e-opinion on critical illness.
• The benefit of daily allowance is provided under the plan.
• Free health check-up program is provided once a policy year.
• Modern Treatment Methods and Advancement in Technologies.
• Domiciliary Hospitalization.
• Emergency Assistance Services (including Air Ambulance).
• Organ Donor Expenses.

Aditya Birla Health Insurance Plans for Family: Exclusions

It is important to understand the exclusions before purchasing a plan. The following are generally excluded by Aditya Birla Health Insurance family plans:

• Any injury/disease caused by an act of a foreign enemy, war, revolution, uprising, or military acts.
• Expenses arising due to intentional self-injury or breach of law with criminal intent.
• Cosmetic, re-shaping, aesthetic treatments, and surgeries.
• Spectacles, hearing aids, or contact lenses, including optometric therapy.
• Use of intoxicating substances such as drugs, alcohol, tobacco chewing, or smoking.
• Sterility and infertility treatment.
• Venereal diseases.
• External congenital anomalies.