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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.
| PLAN DETAILS |
Aditya Birla Group Health Insurance |
Health Alpha Plan |
| Product Type | Group Health Insurance | Individual |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Covered | Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Covered | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
12900 | 6000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Covered | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Covered | Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Covered | Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Covered | Not Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Covered | Covered |
| Plan Entry Age | Day 1 to no limit | 18 years |
| Plan Premium Entry Age and S/A | NA | 18 years |
| Plan Waiting Period | NA | 30 |
| Plan Coverage | Group Health Insurance | Hospitalization and medical expenses covered, Pre and post hospitalization expenses, Day care treatments covered |
| Plan Sample Premium | NA | Unlimited |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | NA | 5 years |
| ICU Charges | Covered | Not covered |
| Covid-19 Treatment | Covered | Not covered |
| Cataract | Covered | Not covered |
| Automatic Restoration | Covered | Covered |
| Ayush Treatment | Covered | Covered |
| Modern Treatment | Not Covered | Covered |
| E Consultation | Covered | Covered |
| Air Ambulance | Covered | Covered |
| Global Coverage | Covered | Covered |
| Claim Ratio | 96 | - |
| Solvency Ratio | 1.88 | 2.03 |
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