Aditya Birla Group Health Insurance

Overview

Aditya Birla Group health insurance offers options like Aditya Birla Group Activ Health, Activ Secure, and Activ Travel. Group health insurance by Aditya Birla has features like day 1 coverage, tailor-made plans for business needs, health returns up to 30%, no medical underwriting, and more. The insurer has repeatedly showcased its reliability over the years, especially with its latest claim settlement ratio of 92.97% for FY 2024-25.

Aditya Birla group health plans are designed for personalised business needs. Read the article below to explore the inclusions, exclusions, features, and benefits of the Aditya Birla Group plans.

Aditya Birla Group Health Plan Benefits

Listed below are the benefits of Aditya Birla Group Health plans:

For Employees:

• Medical bills are covered for the employee and family members by the organisation.
• Tax benefits are available if you pay group health premiums under Section 80D of the Income Tax Act, 1961.
• Hassle-free cashless claim settlement.
• Additional riders/benefits available for personalised coverage.
• Optional co-pay and other benefits are available to reduce overall premium costs.

For Employers:

• Helps in retaining talented and valuable employees in the organisation.
• Tax benefits are available under Section 80D of the Income Tax Act, 1961.
• Simple and easy claim settlement procedures.
• Rider options for personalised coverage to employees can be offered at minimal premiums.
• Cost sharing for premiums can be done between the employee and the employer.

Exclusions

• Hospitalisation due to war, riot, strike, and nuclear weapons.
• Intentional self-injury.
• AIDS.
• Miscarriage and abortion.
• Congenital disease.
• Infertility and in-vitro fertilisation.
• Specific ailments after 24 months.

Conclusion

Aditya Birla Group health plans are ideal for all, with the freedom to personalise the features accordingly. Additionally, optional coverage includes a health check-up program, daily cash benefit, fitness assessment, and many more. Aditya Birla Group plans emphasise wellness by rewarding policyholders for maintaining a healthy lifestyle. Additionally, their mobile app further supports this by enabling users to track health activities, access electronic health records, and locate nearby network hospitals.