Aditya Birla Health Insurance provides innovative health insurance solutions to a wide range of customers. Aditya Birla health insurance plans are customized to meet the health insurance needs of its vast range of customers, at an affordable premium. Some of the attractive coverage benefits include coverage for health treatment costs, coverage for day-care medical procedures, Personal Accident Cover, Hospital Cash Benefit, Critical Illness and Cancer Cover.
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
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Aditya Birla Health Insurance Co. Ltd. is regulated by the IRDAI. It launched ABIBL as a subsidiary to ensure simplified general insurance services including health insurance to its customers. The Company has tie-ups with different health service providers including diagnostic centres, doctors, hospitals etc. What makes it a preferable choice among the customers is Aditya Birla’s claim settlement ratio of 94%.
Key Features | Highlights |
Network Hospitals | 8200 |
Incurred Claim Ratio | 89.05 |
Renewability | Lifelong |
Additional Rider Benefit Available | Available |
Claims Settled | 63000+ |
Some of the key features and benefits are listed as follows:
Aditya Birla Health Insurance offers a range of personalized health insurance features such as:-
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C apply.
Aditya Birla Health Insurance plans are designed to offer comprehensive coverage benefits to individual and families at an affordable premium. There a different medical insurance plans that cover chronic diseases like hypertension, diabetes, senior citizens, personal accident, and critical illness. Here is a list of plans and the details are described as under:
It is a comprehensive plan that specifically caters to the middle-income applicants. There are multiple sum insured options that you can select as per your budget. Besides the regular cashless and reimbursement benefits, you can also opt for other value-added benefits such as Health Returns, Wellness Coach among others.
Features |
Specifications |
Entry age |
Minimum: 91 days Maximum: No age limit |
Policy Term | 1,2,3 Years |
Coverage | Family Floater coverage up to 9 members |
Sum insured | Up to Rs.10 lakh |
Cumulative bonus | 10 to 100 % for every claim free year |
Pre-hospitalization expenses | Up to 30 days before hospitalization |
Post-hospitalization expenses | Up to 60 days after getting discharged |
Road Ambulance Expenses | Actual expenses in Network hospitals Up to Rs.2,000 per hospitalization in other hospitals |
Features and Benefits:
It is a comprehensive health insurance plan with a sum-assured limit up to 2 crores. You can opt for a policy term between 1 and 3 years. It is available as an individual as well as family floater plan. Apart from the regular benefits, you can also opt for value-added benefits that Aditya Birla Health Insurance provides.
Features | Specifications |
Entry age | Minimum: 91 days Maximum: No age limit |
Sum Insured |
Minimum: Rs 2 Lakh Maximum: Rs 2 Crore |
Coverage | Family Floater coverage up to 9 members |
Co-payment | Not Applicable |
Cumulative Bonus | 20% to 100 % for every claim free year |
Recovery Benefit | 1% of the SI or a maximum of Rs.10,000 |
Organ Donor expenses | Covered |
Reload of Sum insured | Automatic restoration for claims for which the sum insured didn’t get exhausted |
Day Care Treatment | Included for specific procedures |
Domiciliary Hospitalization | Up to the SI limit |
Pre-hospitalization expenses | Prior to 60 days of hospitalization |
Post-hospitalization expenses | Post 180 days of getting discharged from the hospital |
Road Ambulance Cover | Actual expenses in Network hospitals Up to Rs.5,000 per hospitalization in non-network hospitals |
Features and Benefits
You can buy personal accident cover to ensure financial security against any untoward perils such as accidental death or disabilities. This plan is designed to provide personal accident cover against accidental death, permanent partial and total disabilities. Apart from the regular benefits, there is a range of optional benefits that you can opt to enhance the coverage.
Features | Specifications |
Accidental Death Cover | 100% of the SI |
Age Criteria | 5-65 years |
Permanent/Total Disability | 100% of the SI |
Orphan Benefit | 10% of the SI or a maximum of Rs. 15 lakhs |
Education Benefit (Lump sum) | 10% of the SI for a surviving child |
Emergency Ambulance Cover | Up to Rs.1,000 |
Permanent Partial Disabilities | Up to 100% of the SI based on the nature of the disability |
Modification Benefit | Up to Rs.1 lakh for modification of vehicle or home |
Funeral Expenses | 1% of the SI or a maximum of Rs.50,000 |
Compassionate Visit Cover | International Travel - up to Rs.25,000 Domestic Travel - up to Rs.10,000 |
Temporary Total Disability Cover(optional benefit) | up to Rs.50,000 weekly benefit for 100 weeks |
Cumulative Bonus | 5% to 50 % of the SI per year |
Accidental Hospitalization (optional) | 1% of the SI or a maximum of Rs.1 lakh |
EMI Protect Cover (Optional) | Monthly loan installments for loans as per the policy T & C |
Loan Protect Cover (Optional) | Covered |
Features and Benefits
Features | Specifications |
Plan 1 | Coverage for up to 20 illnesses |
Plan 2 | Coverage for up to 50 illnesses |
Plan 3 | Coverage for up to 64 illnesses |
Wellness coach (Optional Benefit) | Guidance on fitness, lifestyle changes, and nutrition |
Medical Second (Optional Benefit) | Covered |
Features and Benefits
This hospital cash benefit recompenses a range of expenses including convalescence benefit, food, and travel. There are different options in this plan and you can opt for one to get compensation for daily expenses during hospitalization.
Features | Specifications |
Parental Accommodation Cover | Cash benefit is provided for one day. It is valid in case there is hospitalization for more than 72 hours of children less than 12 years of age |
Convalescence Benefit | Applicable to hospitalization more than 7 days |
ICU Cover | Up to a maximum of 10 days during a policy period |
Daily Cash Benefit | Provided ( subjected to policy terms and conditions) |
Wellness Coach (optional) | Guidance on fitness, lifestyle changes, and nutrition |
Deductible | 1 day |
Features and Benefits
Features | Specifications |
Age Criteria | 18 years and above |
Survival Period | 7 days after the first diagnosis of cancer |
Pay-out Benefits | 50% of SI for early detection 100% of SI for major stage detection 150% of SI for an advanced stage of cancer |
Cumulative Bonus | 10% of the SI or a maximum limit of 100% |
Additional Pay-out | Pay-out for major stage cancer even after initial pay-out for early detection of cancer |
Wellness Coaching | Guidance on fitness, lifestyle changes, and nutrition |
Features and Benefits
Features | Specifications |
Sum Insured (Rs.) | Up to Rs 2 Crore |
Entry Age | Minimum: 91 days Maximum: No Age Limit |
No-Claim-Bonus | 10% of the SI or a maximum of 100% ( for every claim-free year) |
Day Care Treatment | Includes up to 586 procedures |
Restoration of Sum Insured (Optional Benefit) | Restoration of SI multiple times after several claims |
Reinstatement of Sum Insured | up to 150% or a maximum of Rs.50 lakhs |
Daily Cash Benefit | Rs.500 on daily basis (maximum 5 days) for SI up to Rs.4 lakhs |
Super NCB (optional) | 50% per claim-free year subject to a maximum of 100% |
Health Check-up Facility | Once a year based on the sum insured and age of the policyholder |
Organ Donor Expenses | Covered for both donating and receiving organs |
Features and Benefits
Features | Specifications |
Sum Insured (Rs) | 3-25 Lakh |
Reload of Sum Insured | 50-100% |
Age | 55 years and above |
No-Claim Bonus | 10-50% |
Features and Benefits
Features and Benefits
You can buy Aditya Birla Health Insurance plans from Policybazaar & methods are given below:
Submit the following documents while filing a claim:
You can know all the details regarding claim procedures on Aditya Birla’s health website. In case of a claim, it is important to notify the insurer immediately. You can take a note of their customer service number to know the details regarding the claim. When filing a claim, need to furnish all the above-mentioned documents and proofs.
Once all the documents are submitted, the insurer will verify the claim and settle your claim. You can also know your claim status by logging on to the insurer’s website.
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C apply.
When buying a medical insurance policy, it is important for you to know the factors that affect the cost of the health insurance premium:
You can also calculate premium using aditya birla health insurance premium calculator online.
Things to consider before buying Aditya Birla Health Insurance
Ans:Unforeseen circumstances like an injury or an illness do not come with a prior warning.Amid the increasing cost of healthcare expenses, it is important to buy a best health insurance policy with an adequate sum insured amount. A medical plan helps to reduce financial stress in case of medical emergency. With a valid insurance policy in place, you can focus on your health recovery, instead of worrying about the finances.
Ans: Health insurance premiums are calculated on the basis of the following parameters. By ascertaining the following risks the insurance company provides you with health insurance quotes. Let’s have a look:
Ans: A common sum assured is shared by all the insured members in a family floater plan. Whereas, in an Individual health plan the sum assured is allotted separately to all the insured members.
Individual plans cost a little more than a family floater plan. But the sum insured amount should not be the only criteria while choosing an insurance policy.
Ans: During hospitalization, the last thing you would want to worry about is making the payment. If you have cashless hospitalization cover, you don’t need to worry about the finances. Aditya Birla health insurance pays off the amount. Moreover, you don’t have to fret about cash or arrange emergency funds. If you buy a medical insurance policy, it’s wise to buy a cashless policy.
Ans: You can easily port your current policy from your one insurer to another insurer. Also, your accumulated health insurance benefits such as the waiting period and No-claim-bonus remain intact. So, if you feel that you do not have sufficient coverage in your existing health insurance policy, then you can switch to Aditya Birla health insurance along with the accumulated benefits.
Ans: No-claim-bonus benefit is provided to the policyholder. The insured shall receive a discount for every claim-free year. A No claim bonus is accumulated with each year of renewal.