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A guide to cancel your Aditya Birla Health Insurance
Are you thinking of cancelling your Aditya Birla Health Insurance? Read further to know more about Aditya Birla health policy cancellation here.
Health insurance is a much-needed health & financial security tool for every section of society. We all are seeing healthcare complications at different variations nowadays. Being a policyholder, it's natural to have the choice of either continuing your health policy or withdrawing it.
The major aspect of cancelling a health insurance policy is, that you pay some cost in the form of deductions applicable according to your policy's documents. Here's a guide that will help you with your Aditya Birla Health Insurance cancellation.
Aditya Birla health policy cancellation in the free look period
Aditya Birla Health Insurance Company allows you to edit or make a change in your policy within a time frame of 15 days (in offline policy mode) and 30 days (in online policy mode). This is called the free-look period. According to the rules of IRDAI, this is mandatory for every health insurance company to offer their policyholders a free-look period of 15-30 days.
If the policyholder cancels their policy within the free-look period, they're entitled to receive a full refund, excluding any health check-up expenses that the insurer has paid before policy issuance, the stamp duty, etc. However, the deductions and refundable premiums are subject to vary according to the active policy tenure and number of claims made during the same.
What if I cancel my policy after the free look period?
If you cancel your Aditya Birla Health Insurance policy after the free-look period, you will not be able to receive a full refund of your total paid premiums. Here's what you'll get on cancelling your health policy after its free-look period:
Policy tenure (when the policy was in force)
Refund (%)
Within 1 month
75%
Within 3 months
50%
Within 6 months
25%
Exceeding 6 months
Nil
Types of deductions in the refund amount
Here are the deductions that are displayed on your refundable premium amount:
The premium on pro-rated risks
Health examination expenses from the insurer
Stamp duty & administration charges
Step-by-step guide: How to cancel Aditya Birla Health Insurance?
Read below the steps to cancel your Aditya Birla health policy without any hassle:
Step 1
Get in contact with your insurer and submit your cancellation form along with the documents that are required for proceeding with the cancellation of your policy.
Step 2
You need to give a notice in writing at least 15 days before cancelling initiation, stating the reason for cancellation either in an online or an offline mode to your company's customer care executive.
Step 3
Once the insurer is aware of your policy's cancellation request, they will provide you guidance for keeping the policy thriving further. However, if you're still not satisfied with the same, they'll proceed further with the application.
Step 4
As per the activity of your policy and the current policy period, the company will deduct and refund the specified premium amount to you (depending on your policy's schedule).
Step 5
Upon receiving the cancellation review of your company, send them your banking details where you want to receive the refund. This is the final stage where you'll get your eligible premium refund within the company's specified business days.
Contact details of Aditya Birla Health Insurance Company
Website
www.adityabirlahealthinsurance.com
Toll-free number
1800 270 7000
Customer support email ID
care.healthinsurance@adityabirlacapital.com
Registered office
Aditya Birla Health Insurance Co. Limited 9th Floor, Tower 1, One World Centre, Jupiter Mills Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai 400013
We don't encourage health insurance cancellation in any manner. However, if you are still waiting for some assistance with your Aditya Birla Health Insurance Cancellation, reach out to our advisors at 1800 4200 269 or send us an email at helpdesk@policyx.com.
Aditya Birla Health Insurance Network Hospital List
Aditya Birla Health Insurance Network Hospitals are present in 32 states nationwide. With a wide network of over 10500+ cashless hospitals, Aditya Birla Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
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Lump Sum payout on detection
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Short survival period
Activ Secure Critical Illness Plan (Pros)
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3 Plan Variants
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Illness due to intoxicants
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HIV/AIDS not covered
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External providers
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Activ Fit Plus Plan (Eligibility Criteria)
Entry Age - 91 days
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Waiting Period - 30 Days
Cancel Aditya Birla Health Insurance: FAQ's
1. Can I get my premium on cancelling Aditya Birla health policy after the free-look period?
Yes, but you'll not receive a full refund. The full refund will be done based on policy activity and as per the terms mentioned in your policy documents.
2. Can I cancel my Aditya Birla health policy anytime I want?
Yes, but the refund amount upon cancellation will solely depend on the time gone by between the day of purchase and the day of cancellation.
3. What are the cons of cancelling a health insurance policy?
You'll not be able to avail of any medical or healthcare coverage if you cancel your health insurance. Also, you have to pay all medical bills, for both planned and unplanned hospitalisation, from your pocket.
Simran has an experience of 3 years in insurance content writing. She transitioned from hospitality to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner she keeps her audience hooked and solves their doubts smoothly.
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