Aditya Birla Plans for Family
  • Emergency Assistance Services
  • High Sum Assured Plan
  • PPN Discount offered
premium

Network hospitals

11000+

premium

Incurred claim ratio

64.68%

premium

Sum insured

Up to 2 CR

premium

No. of Plans

22

premium

Solvency Ratio

2.3

premium

Pan India Presence

213

Recognized By Aditya BirlaPolicyX.com is a Recognised Aditya Birla Partner View Certificate

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

11000+

premium

Incurred claim ratio

64.68%

premium

Sum insured

Up to 2 CR

premium

No. of Plans

22

premium

Solvency Ratio

2.3

premium

Pan India Presence

213

Recognized By Aditya BirlaPolicyX.com is a Recognised Aditya Birla Partner View Certificate

Aditya Birla Family Health Insurance

Aditya Birla Health Insurance Company is one of the leading providers of health insurance services through a wide range of comprehensive health insurance plans. One can buy health insurance plans and fulfill all their health insurance needs, too, at affordable premiums. Aditya Birla Health Insurance offers a wide range of health benefits to take care of you and your family. The plans offered by the company come with attractive benefits that motivate you to keep yourselves fit and are available on both individual and family floater basis, both of which provide comprehensive coverage to the policyholders from regular medical check-ups to hospitalization care.

Aditya Birla Family Floater Health Insurance Plan is a wholesome plan in which every member of the family can be covered without going heavy on your pocket. It is a family floater policy offered by Aditya Birla Health Insurance Company where several members of a single family can be covered for a sum assured by paying a single premium in a year. In case of multiple illnesses in the family, the sum assured can be distributed between family members and multiple claims can be entertained. It works out to be more cost-effective than taking individual policies separately in the name of family members.

Comprehensive

A comprehensive health insurance plan that offers comprehensive coverage against medical bills & comes with access to Chronic Management Program.

Unique Benefits

  • Chronic illness cover
  • Modern treatments covered
  • Double coverage

Affordable

Activ Assure Diamond is a complete health insurance plan that offers new-age health features at an affordable cost, and covers more than 500 daycare treatments.

Unique Benefits

  • 150% sum insured reload
  • No Room rent capping
  • Mental illness covered

Activ Assure Diamond (Pros)

  • 100% Ambulance Cover
  • Organ Donor Expenses Covered
  • AYUSH Treatment Cover
  • Hospital Allowance
  • Day Care Treatment Covered

Activ Assure Diamond (Cons)

  • 10% Co-Payment
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Activ Assure Diamond (Other Benefits)

  • Up to 10% Long Term Discount
  • Health Return Points
  • Room Upgrade Available
  • Super No Claim Bonus
  • Unlimited Reload of SI

Activ Assure Diamond (Eligibility Criteria)

  • Entry Age - 5 Years
  • Max Entry Age - Age No Limit
  • SI - 2 L to 2 Cr
  • Waiting Period - 30 Days

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Categories AdultChild
Minimum Entry Age18 years3 months
Maximum Entry AgeNo upper age limit 65 years (under the Activ Health Premier plan only)25 years
No of Family Members CoveredSelf, spouse, dependent children
RenewabilityLifelong

Any person who is at least 91 days old can be enrolled under this policy. There is no restriction on the maximum age under this plan.

Key Features of Aditya Birla Health Insurance for Family

Aditya Birla Health Insurance for family is amongst the most trusted names for family needs. Let us take a glimpse into the company's performance and key features that will help you to analyze the company.

  • Sum insured options ranging from Rs. 2 Lakh to Rs. 2 Crore.
  • Individual plan: Minimum entry age-5 years (no maximum age of entry).
  • 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.

Key Benefits of Aditya Birla Health Insurance For Family

Health insurance plan like this brought to you by Aditya Birla offers a wide range of health benefits to take care of you and your family. Let's take a look on few benefits of Aditya Birla Family Floater Health Insurance Plan

  • The sum assured can be extended to cover several members of the same family if the need arises. Depending on the healthcare risk appetite and the location, the primary policyholder may zero in on a higher or lower sum assured and it reflects in the premium accordingly.
  • The covered members of Aditya Birla Family Floater Health Insurance Plan may go in for cashless hospitalization if they intimate their insurer within 24 hours of their hospitalization and get admitted in a network hospital. In some cases like emergency hospitalization or accidents or admission in non-network hospitals, insurers may allow treatment first and reimbursement later.
  • The policy may include room rent up to a certain amount per day, for every day of hospitalization.
  • Aditya Birla Family Floater Health Insurance Plan works on the co-pay basis, where the insurer pays a percentage of the cost incurred and the insurer the rest. This usually has a lower premium as the insured shares part of the hospitalization costs.
  • Aditya Birla Health Insurance Company seeks a medical examination if a higher sum assured is involved, any of the covered members are in the higher age groups or have a medical history. Some insurers also offer their policies online, where barring exceptions, a declaration of good health by the insured does not require any medical check-ups.

Health Insurance Companies

Aditya Birla Health Insurance Plans for Family Inclusions

Buying health insurance policies for all the members of the family can become quite a hassle to manage. Having a single policy that caters to the medical needs of all the members of the family, Aditya Birla Health Insurance has a large scope of coverage ,let's check all the inclusions of the plan.

Pre and post medical expenses covered up to a certain limit.

586 daycare procedures are included under the plan.

In-patient hospitalization expenses are covered on the basis of 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 in 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

Every Plan has its limits and boundaries, that must be read before buying the plan, this excludes the chances of further fatalities.The following exclusions are excluded by Aditya Birla Health Insurance for family:

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 treatments, aesthetic treatments, and surgeries.

Spectacles, hearing aids, or contact lenses including optometric therapy.

Use of intoxicating substances such as drugs, alcohol, tobacco chewing, smoking, etc.

Intentional self-injury.

Sterility and infertility treatment.

Injury due to breach of law.

Illness or injury due to abuse of intoxicants like alcohol or drugs.

Venereal diseases.

External congenital anomalies.

Cosmetic or plastic surgery.

Explore other Aditya Birla Health Plans

Aditya Birla Health offers a wide range of health insurance plans to fulfill the medical needs of individual and senior citizens.

Standard

Arogya Sanjeevani Policy

A standard health insurance policy, wherein you can choose coverage of up to Rs.1 lac to Rs.5 lacs.

Unique Benefits

  • Avail 5% cumulative bonus
  • Cataract treatment covered
  • All daycare treatments covered

Arogya Sanjeevani Policy (Pros)

  • AYUSH Treatment
  • Pre & Post Hospitalization Cover
  • Cashless Treatment
  • Day Care Treatments
  • 5% No Claim Bonus

Arogya Sanjeevani Policy (Cons)

  • 5% Co-Payment
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Arogya Sanjeevani Policy (Other Benefits)

  • High SI
  • Room Rent Cover
  • Cataract Treatment
  • 5% ICU Cover
  • Individual & Family Floater

Arogya Sanjeevani Policy (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 1 L to 5 L
  • Waiting Period - 30 Days

Senior Citizen

A senior citizen plan that offers complete protection such as nursing at home, AYUSH cover, personal health coach, etc.

Unique Benefits

  • Avail up to 21% health returns
  • Second E-opinion
  • Worldwide Emergency Assistance

Super top-up

Activ Assure Diamond + Super Health Topup

A top-up plan offering medical coverage up to Rs. 1 cr. The plan also gives health and wellness discounts.

Unique Benefits

  • 586-day care procedures covered
  • No restriction on room rent
  • Road Ambulance coverage up to 5K

Activ Assure Diamond + Super Health Topup (Pros)

  • COVID-19 Cover
  • Home Treatment Cover
  • DayCare Treatment Covered
  • Affordable Premiums
  • OPD Consultations

Activ Assure Diamond + Super Health Topup (Cons)

  • Illness due to intoxicants
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Activ Assure Diamond + Super Health Topup (Other Benefits)

  • Air Ambulance
  • Wellness Benefits
  • Long Term Discounts
  • Domiciliary Hospitalization
  • Organ Donor Expenses

Activ Assure Diamond + Super Health Topup (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 Years
  • SI - 3 L to 1 Cr
  • Waiting Period - 30 Days

Cancer Plan

Specially designed plan to protect you against the rising costs of treatment at every stage of cancer – early, major and advanced.

Unique Benefits

  • Short survival period of 7 days
  • Early stages of cancer covered
  • Avail no claim bonus

Activ Secure- Cancer Secure (Pros)

  • Covers 3 Stages
  • 150% of SI
  • 10% of No Claim Bonus
  • High SI
  • Lump Sum Payout

Activ Secure- Cancer Secure (Cons)

  • Illness due to intoxicants
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Activ Secure- Cancer Secure (Other Benefits)

  • Wellness Coach
  • Second e-Opinion
  • Short Survival Period
  • Upto 1 Cr SI
  • Hospitalization Expense

Activ Secure- Cancer Secure (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 5 L to 1 Cr
  • Waiting Period - 30 Days

Accident Plan

The Plan is designed to protect individuals and families from all the contingencies (death and disabilities) that occur due to accidents.

Unique Benefits

  • Education benefits provided
  • Funeral expenses covered
  • Protection against income loss

Activ Secure Personal Accident (Pros)

  • Total & Partial Disability Cover
  • Accidental Death Cover
  • No Claim Bonus
  • Ambulance Cover
  • Education Benefit

Activ Secure Personal Accident (Cons)

  • Illness due to intoxicants
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Activ Secure Personal Accident (Other Benefits)

  • Income Cover
  • Loan Protect Cover
  • Orphan Benefit
  • Compassionate Visit
  • Coma Benefit

Activ Secure Personal Accident (Eligibility Criteria)

  • Entry Age - 5 Years
  • Max Entry Age - 65 Years
  • SI - 30 L
  • Waiting Period - 30 Days

Critical Plan

The plan is designed to provide financial protection against critical illnesses, & offers compensation against the loss of income arising out of critical illnesses.

Unique Benefits

  • Lump Sum payout on detection
  • 150% sum assured
  • Short survival period

Activ Secure Critical Illness Plan (Pros)

  • Cover up to 64 CI
  • 3 Plan Variants
  • High SI
  • Short Survival Period
  • Active Health App

Activ Secure Critical Illness Plan (Cons)

  • Illness due to intoxicants
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Activ Secure Critical Illness Plan (Other Benefits)

  • Wellness Coach
  • Second Medical Opinion
  • Cancer Cover
  • Kidney Failure Cover
  • Brain Tumor Cover

Activ Secure Critical Illness Plan (Eligibility Criteria)

  • Entry Age - 5 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 1 Cr
  • Waiting Period - 30 Days

Aditya Birla Health Insurance Plans for Family: FAQs

1. Will the premium that I pay for my health insurance policy be exempted from income tax?

Yes, the premiums that you pay towards your group health insurance policy are qualified for income tax deduction U/S 80D of the IT Act, 1961. An individual policyholder can avail of a deduction of up to Rs. 25,000 from his/her taxable income every year.

2. What happens if the sum assured is reached in treatment of a member?

Aditya Birla Family Floater Health Insurance Plan offers an automatic restore/top-up facility on the sum assured being reached.

3. How many members of a family can be covered?

Depending on the plan the client has opted for, the company has limited the family member to the primary insured, his spouse and children. However, there are some insurers who even allow coverage for parents, siblings and other relatives under the same policy (depending on the plan).

4. How is the premium of Aditya Birla Family Floater Health Insurance calculated?

The premium of Aditya Birla Family Floater Health Insurance policy is calculated based on the oldest member of the family enlisted in the policy. Thus, this is also a bit more expensive than the individual policy especially if you have aging parents in the policy.

What Our Customers Have to Say

Customer Review Image

Sooraj Jamwal

Indore

May 10, 2024

I was looking for senior citizens& 039; health insurance plans, so I found Aditya Birla Activ Assure Classic, and I must thank PolicyX who helped me thoroughly to buy the policy.

Customer Review Image

Rubin Nautiyal

Dehradun

May 10, 2024

I got a group health insurance policy from my employer, so PolicyX suggested me to get Activ Assure Diamond Super Health Topup. I am grateful to them.

Customer Review Image

Hina Juneja

Dehradun

May 10, 2024

I wanted to get fit but was not motivated enough to do so. So, PolicyX suggested me Aditya Birla Activ Fit plan, which motivates me to stay fit every day.

Customer Review Image

Sanjay Sinha

Patna

May 10, 2024

I need to apply for a claim settlement for my Activ One NXT plan, PolicyX helped me at every point. They made sure that I would get a full refund.

Customer Review Image

Remo Silvator

Mumbai

May 10, 2024

I wanted to buy a health insurance policy and came across PolicyX. They suggested Aditya Birla Activ Health Platinum Enhanced. Thank you for PolicyX for your help.

Customer Review Image

Prakash Kaur

Hyderabad

April 8, 2024

PolicyX helped me with all my queries regarding the Aditya Birla Active Essential Plan and helped me with the buying process. I am so grateful.

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Radhika Aneja

Coimbatore

April 8, 2024

With the help of PolicyX, I got my health insurance policy from Aditya Birla Health Insurance. They answered all my queries without any hesitation and helped with every process.

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Raghav Mohan

Vijayawada

April 8, 2024

My mom needed a minor surgery recently. Thankfully, it was covered under our Aditya Birla Health Plan. PolicyX took care of cashless settlement and made our hard time easy.

View All Aditya Birla Health Insurance Reviews

Naval Goel

Reviewed By: Naval Goel

Naval Goel is the CEO & founder of PolicyX.com. Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of PolicyX.com Insurance Web Aggregator.