Aditya Birla Plans for Family
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  • High Sum Assured Plans
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Aditya Birla Plans for Family
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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 fulfil 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.

CategoriesAdultChild
Minimum Entry Age18 years3 months
Maximum Entry AgeNo upper age limit of 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.

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 at a few benefits of the 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 the Aditya Birla Family Floater Health Insurance Plan may go in for cashless hospitalization if they inform their insurer within 24 hours of their hospitalization and get admitted to 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 a 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.

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 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

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.

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.

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Explore other Aditya Birla Health Insurance

To cater to the different medical needs of an individual & their family, Aditya Birla Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to Aditya Birla Health Insurance plans explore more:

Critical Illness Health Insurance

Aditya Birla Cancer Secure health plan is a health insurance plan designed specifically for cancer patients protecting them financially from all three...

Unique Features

  • Upto 1 Cr SI
  • Minimum Survival Period
  • All Cancer Stages Covered

Aditya Birla Cancer Health Plan (Pros)

Aditya Birla Cancer Health Plan
  • Covers 3 stages
  • 150% of SI
  • 10% of no claim bonus
  • High SI
  • Lump sum payout

Aditya Birla Cancer Health Plan (Cons)

Aditya Birla Cancer Health Plan
  • Illness due to intoxicants
  • Obesity treatment unavailable
  • Hazardous activity not covered
  • HIV/AIDS not covered
  • Cosmetic surgery unavailable

Aditya Birla Cancer Health Plan (Other Benefits)

Aditya Birla Cancer Health Plan
  • Wellness coach
  • Second e-opinion
  • Short survival period
  • Upto 1 Cr SI
  • Hospitalization Expense

Aditya Birla Cancer Health Plan (Eligibility Criteria)

Aditya Birla Cancer Health Plan
  • Entry Age- 18 Years
  • Max Entry Age- 65 Years
  • SI- 5L to 1 Cr
  • Waiting Period- 90 days

Accident Health Insurance

Aditya Birla Activ Secure Personal Accident Plan is designed to protect you and your family in case of any unforeseen incident. Activ secure personal ...

Unique Features

  • Up to 20 Cr SI
  • 11 Optional Covers
  • Avail Wellness Benefit

Aditya Birla Personal Accident Plan (Pros)

Aditya Birla Personal Accident Plan
  • Total and partial disability cover
  • Accidental death cover
  • No claim bonus
  • Ambulance cover
  • Education benefit

Aditya Birla Personal Accident Plan (Cons)

Aditya Birla Personal Accident Plan
  • Illness due to intoxicants
  • Obesity treatment unavailable
  • Hazardous activity not covered
  • Cosmetic surgery unavailable

Aditya Birla Personal Accident Plan (Other Benefits)

Aditya Birla Personal Accident Plan
  • Income cover
  • Loan protect cover
  • Orphan benefits
  • Compassionate visit
  • Coma benefit

Aditya Birla Personal Accident Plan (Eligibility Criteria)

Aditya Birla Personal Accident Plan
  • Entry age- 5 years
  • Max entry age- 65 years
  • SI- 30L
  • Waiting period- 30 days

Individual and Family Health Insurance

Aditya Birla Platinum Enhanced Plan offers unique healthcare benefits to insured individuals such as health insurance protection with wellness benefit...

Unique Features

  • Critical Illness Cover
  •  Health Coach
  •  SI Up to 2 Crores

Aditya Birla Activ Health Platinum Enhance (Pros)

Aditya Birla Activ Health Platinum Enhance
  • Earn 100% health returns
  • Cover for dental consultations
  • Modern treatment cover
  • Wellness coach
  • Mental illness cover

Aditya Birla Activ Health Platinum Enhance (Cons)

Aditya Birla Activ Health Platinum Enhance
  • Illness due to intoxicants
  • Change of gender treatment
  • Hazardous activity not covered
  • HIV/AIDS not covered
  • Cosmetic surgery unavailable

Aditya Birla Activ Health Platinum Enhance (Other Benefits)

Aditya Birla Activ Health Platinum Enhance
  • Chronic management program
  • Premium waiver benefit
  • Reload of SI
  • Road ambulance cover
  • Second e-opinion

Aditya Birla Activ Health Platinum Enhance (Eligibility Criteria)

Aditya Birla Activ Health Platinum Enhance
  • Entry age- 90 days
  • Max entry age- 45
  • SI- 1L to 1 Cr
  • Waiting period- 30 days

Individual and Family Health Insurance

Aditya Birla Activ Fit Plan is designed to provide quality medical coverage to young individuals. The plan not only provides medical coverage but als...

Unique Features

  • Health Rewards
  • Avail Multiple Discounts
  • Optional Covers Available

Aditya Birla Activ Fit Health Plan (Pros)

Aditya Birla Activ Fit Health Plan
  • Provides health reward for keeping yourself healthy
  • gives optional benefits
  • Get maternity expense benefits

Aditya Birla Activ Fit Health Plan (Cons)

Aditya Birla Activ Fit Health Plan
  • Does not cover air ambulance
  • No coverage for global treatment

Aditya Birla Activ Fit Health Plan (Other Benefits)

Aditya Birla Activ Fit Health Plan
  • Health Rewards
  • Avail Multiple Discounts
  • Optional Covers Available

Aditya Birla Activ Fit Health Plan (Eligibility Criteria)

Aditya Birla Activ Fit Health Plan
  • Entry Age - 18
  • Maximum Entry Age - 65
  • SI -4-25 Lakh
  • Waiting Period - 30 days

Critical Illness Health Insurance

Aditya Birla Activ Secure Critical Illness Plan is designed to cover your financial losses due to any treatment for critical illness. The plan has wid...

Unique Features

  • 64 Critical Illnesses Covered
  • Replace Loss of Income
  • Short Survival Period

Aditya Birla Activ Secure Critical Illness Plan (Pros)

Aditya Birla Activ Secure Critical Illness Plan
  • 64 Critical Illnesses Covered Replace
  • Loss of Income
  • Short Survival Period

Aditya Birla Activ Secure Critical Illness Plan (Cons)

Aditya Birla Activ Secure Critical Illness Plan
  • Does not cover maternity
  • Does not cover any congenital illness
  • Does not cover any evaluation purposes

Aditya Birla Activ Secure Critical Illness Plan (Other Benefits)

Aditya Birla Activ Secure Critical Illness Plan
  • The sum insured of this plan is of up to 1 Cr
  • It comes in three different variants - Plans 1/ 2/ 3 with specific coverage options

Aditya Birla Activ Secure Critical Illness Plan (Eligibility Criteria)

Aditya Birla Activ Secure Critical Illness Plan
  • Min- 5 years
  • Max- 65 years

Senior Citizen Health Insurance

Growing old comes with several complications related to our health, at times. It's so natural that nobody could deny accepting the complications and s...

Unique Features

  • 360 degrees support to seniors
  • Cashless home treatment
  • 586 category of daycare procedures

Aditya Birla Activ Care Classic Plan (Pros)

Aditya Birla Activ Care Classic Plan
  • 360 degrees support to seniors
  • Cashless home treatment
  • 586 category of daycare procedures

Aditya Birla Activ Care Classic Plan (Cons)

Aditya Birla Activ Care Classic Plan
  • Does not cover modern treatments
  • Vaccinations not covered
  • Compassionate travel not covered

Aditya Birla Activ Care Classic Plan (Other Benefits)

Aditya Birla Activ Care Classic Plan
  • Tax benefits
  • Advanced health check-up
  • Optional room upgrade facility

Aditya Birla Activ Care Classic Plan (Eligibility Criteria)

Aditya Birla Activ Care Classic Plan
  • Min- 55 years
  • Max- 80

Individual and Family Health Insurance

Aditya Birla Activ One Plan comprises features such as: Health returns Health assessment Daycare treatments No capping on hospitalization expenses Me...

Unique Features

  • Health Rewards
  • Avail Multiple Discounts
  • Optional Covers Available

Aditya Birla Activ One (Pros)

Aditya Birla Activ One
  • Chronic illness covered
  • double coverage

Aditya Birla Activ One (Cons)

Aditya Birla Activ One
  • Daily hospital cash not covered
  • OPD charges not covered
  • Maternity not covered

Aditya Birla Activ One (Other Benefits)

Aditya Birla Activ One
  • Initial waiting period 30 years

Aditya Birla Activ One (Eligibility Criteria)

Aditya Birla Activ One

Individual and Family Health Insurance

Raho Fit to Get Benefits! Ye hai #FitnesskaUltimateInfluencer You can earn with the Aditya Birla Activ Fit Plus plan and become wealthy! YES, you hear...

Unique Features

  • Stay fit & get rewarded
  • Travel protection cover
  • Unlimited SI refill

Aditya Birla Activ Fit Plus Plan (Pros)

Aditya Birla Activ Fit Plus Plan
  • Pre-hospitalization cover
  • Post-hospitalization cover
  • Modern treatment cover
  • Organ donor cover

Aditya Birla Activ Fit Plus Plan (Cons)

Aditya Birla Activ Fit Plus Plan
  • Obesity/ weight control
  • Change of gender treatments
  • Hazardous or adventure sports
  • External providers
  • Beauty/cosmetic treatment

Aditya Birla Activ Fit Plus Plan (Other Benefits)

Aditya Birla Activ Fit Plus Plan
  • 10-50-100 benefits
  • Activ Health App
  • Binge SI refill
  • Premium back option
  • Super no-claim bonus

Aditya Birla Activ Fit Plus Plan (Eligibility Criteria)

Aditya Birla Activ Fit Plus Plan
  • Entry Age - 91 days
  • Max Entry Age - 45 years
  • SI - 5 L - 1 Cr
  • Waiting Period - 30 Days

Individual and Family Health Insurance

Activ Health Platinum, a health product by Aditya Birla Health Insurance Company is a health insurance plan designed to look after the healthcare need...

Unique Features

  • Explore the Eligibility Criteria
  • Key Features of the Plan
  • Inclusions & Exclusions

Activ Health Platinum (Pros)

Activ Health Platinum
  • Post hospitalisation physiotherapy
  • Health coach benefit
  • One premium waiver
  • Health assessment
  • Chronic management program

Activ Health Platinum (Cons)

Activ Health Platinum
  • Illness due to intoxicants
  • change of gender treatment
  • Hazardous activity not covered
  • HIV/AIDS not covered
  • Cosmetic surgery unavailable

Activ Health Platinum (Other Benefits)

Activ Health Platinum
  • Road ambulance cover
  • No claim bonus
  • Critical illness cover
  • Domiciliary hospitalisation
  • Super reload of SI

Activ Health Platinum (Eligibility Criteria)

Activ Health Platinum
  • Entry age- 91 days
  • Max entry age- 65 years
  • SI- 10L to 2 Cr

Individual and Family Health Insurance

Aditya Birla Activ Health Platinum Essential Plan is your best friend if you are looking for a health insurance cover that protects you against chroni...

Unique Features

  • Chronic Management Care
  • Wellness Benefits
  • COVID-19 Cover

Activ Health Platinum Essential (Pros)

Activ Health Platinum Essential
  • Health returns cover
  • Chronic management program
  • Mental illness cover
  • Home care treatment
  • Obesity treatment

Activ Health Platinum Essential (Cons)

Activ Health Platinum Essential
  • Illness due to intoxicants
  • Change of gender treatment
  • Hazardous activities not covered
  • HIV/AIDS not covered
  • Cosmetic surgery unavailable

Activ Health Platinum Essential (Other Benefits)

Activ Health Platinum Essential
  • AYUSH treatment cover
  • Road ambulance cover
  • Health check-up program
  • International cover
  • Critical Illness cover

Activ Health Platinum Essential (Eligibility Criteria)

Activ Health Platinum Essential
  • Entry age- 91 days
  • Max entry age- No age limit

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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 the 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.

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Written By: Naval Goel

Naval Goel is the Founder and CEO of PolicyX.com (IRDA- Approved Insurance Comparison Website). He is a CFA charter holder (USA) and FRM (GARP). He holds an MBA from IIFT, Delhi, and is also an Associate from the Insurance Institute of India. Naval is an avid investor and entrepreneur who has a deep understanding of the Indian equity market and insurance sector. He has been investing for more than 10 years now and is a CFA charter holder.