Aditya Birla Health Insurance Overview

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%.

Aditya Birla Health Insurance at a Glance:

Key Features	Highlights
Network Hospitals	8200
Incurred Claim Ratio	89.05
Renewability	Lifelong
Additional Rider Benefit Available	Available
Claims Settled	63000+

Benefits & Features of Aditya Birla Health Insurance Plans

Some of the key features and benefits are listed as follows:

Multiple Sum Insured Options: The insurer gives you a choice to choose from multiple sum insured options. You can get coverage for as high as Rs 2 Crore. You can select a plan that falls in your budget or meets your needs and requirements.
Wellness Coaching: It is one of the special features that Aditya Birla health insurance offers to its customers. The insured members can have access to experts of health industry on the go. These medical specialists can address their doubts anytime as per their own convenience.
Health Returns: Policyholders who follow a healthy lifestyle can get rewards for maintaining a healthy lifestyle. If you want to know more details regarding this provision then you can access the information on the company’s official website.
Network Hospitals: The company has a huge number of network hospitals. The list of hospitals in your city and town is available on their official website.
Tax Relief: The cost of premium that you pay for policy earns you tax benefits under the purview of section 80D of the Income Tax Act.

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C apply.

Why Aditya Birla Health Insurance?

Aditya Birla Health Insurance offers a range of personalized health insurance features such as:-

Health Return Benefit

People who follow a healthy lifestyle earn reward points
You can earn back up to a maximum of 30% of your medical insurance premium

Chronic Management Program

This program is specially designed for the management of chronic illness such as diabetes, asthma, hypertension etc.
Day 1 cover in case of chronic health conditions
In case the insured develops a chronic condition during the policy tenure then you are automatically upgraded to the Chronic Management Program

Hospital Room Options

Freedom to use a private room or a shared room during hospitalization
In case you get a lower room category, then you are also eligible to avail Health Return benefits

Second E Opinion

In case of critical illnesses, Second opinions are also covered
And the panel of doctors including international experts and specialists in the field

Types of Aditya Birla Health Insurance Plans

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:

Aditya Birla Activ Health Platinum Essential Plan

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:

The policy offers a wide range of sum insured up to Rs 10 Lakh
The policyholder can choose any hospital room category
It covers chronic diseases like diabetes, asthma, cholesterol, and hypertension from day 1
Health rewards are also provided
A range of optional covers are offered to enhance the scope of coverage

Aditya Birla Activ Health Platinum Enhanced Plan

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

The policy offers a wide range of sum insured up to Rs 2 Crore
The insured persona can avail worldwide emergency assistance services when travelling
The policyholder can choose any hospital room category
It covers chronic diseases like diabetes, asthma, cholesterol, and hypertension from day 1
Health rewards are also provided
A range of optional covers are offered to enhance the scope of coverage

Aditya Birla Activ Secure Personal Accident Plan

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

It covers accidental death, partial and permanent disabilities
It offers orphan and education benefit to the dependent children
Complete protection against loan and EMI instruments
This plan also provides cumulative bonus between 5% and 50%
The coverage can be further enhanced with optional covers such as temporary total disability, worldwide emergency assistance services, and accidental in-patient hospitalization

Aditya Birla Activ Secure Critical Illness Plan

Aditya Birla Activ Secure is a critical illness insurance policy that pays off a lumpsum amount following the first detection of any of the specified critical illness in the plan. There are different variants and a lot of flexible options in this plan. The survival period is also kept low to ensure that insured person get immediate benefits. This policy is designed to ensure adequate financial support to the policyholder in case he/she is diagnosed with a life-threatening disease.

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 policy offers 3 plan options with varied benefits
The minimum entry age for Plan 1 and Plan 2 is 5 years and 18 years for Plan 3
It offers comprehensive protection against critical illnesses
This plan pays off 150% of SI in case of diagnosis of more than one critical illness
It requires a low survival period of 15 days from the first diagnose of critical illness

Aditya Birla Activ Secure Hospital Cash Plan

The Activ Secure hospital cash plan is specially designed to avail daily cash benefit during the term of hospitalization. Under this policy you will only pay off hospitalization expenses, and you must know that several hidden expenses may arise during the hospitalization.

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

The policy offers parental accommodation benefit to the insured person
In case the hospitalization exceeds 7 days the policyholder can avail convalescence benefits
The limit for daily cash benefit ranges from Rs 500 to Rs 10,000
It offers the option of a wellness coach

Aditya Birla Activ Secure Cancer Plan

Activ Secure Cancer plan is designed for cancer patient offers protection against different types and stages of cancers. The plan details are elucidated below:

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

The policy offers coverage for several stages of cancer i.e. Early, Major, and Advanced
The insurer makes lump-sum payment upon the first diagnosis of cancer
Moreover, various other benefits that are available with this plan including a medical second opinion and wellness coaching program
Cumulative bonus of 10-100% is offered for claim-free years
This plan requires a low survival period of 7 days from the first diagnose of critical illness

Aditya Birla Activ Assure Diamond Health Plan

The Activ Assure Diamond plan provides coverage to both individual and families. The sum assured option goes up to Rs 2 Crore. You can buy an annual policy or a 3-year plan.

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

It is a comprehensive plan that covers all the hospitalization expenses
Some of the unique features of this plan include – Cancer hospitalization booster, PED waiting period reduction, Super NCB, Ayush in-patient treatment, domiciliary hospitalization, and Second e-opinion on critical illness
This plan provides air ambulance cover for domestic and international emergency assistance services

Aditya Birla Activ Care Senior Citizen Plan
Aditya Birla Activ Care Senior Citizen Plan is a health insurance policy for people above the age of 55 years. The applicant can select from there variants i.e. Standards, Classic and Premier. The plan details are given below

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
- It off hospitalization expenses, day care treatment, domiciliary hospitalization, organ donor expenses, etc.
- Home treatment expenses, Ayush treatment, and OPD expenses are also recompensed
- Personal health coach and health coach facilities are also offered under this plan
Aditya Birla Group Activ Health Plan
It is an annual group health insurance plan usually provided by employers to their employees. Also, other groups and associations can opt for group health insurance coverage.
Features and Benefits
- Simple and quick underwriting and issuance of the policy
- Easy documentation process
- Cashless medical treatment
- Tailor-made benefits and features
- Variable options as per the requirements of the applicant

Inclusions of Aditya Birla Health Insurance

60 days pre-hospitalization cover and 90 days post hospitalization cover
Maternity benefits are provided to an adult female insured under some plans
Daycare treatments are also reimbursed. Provided they are not in the diagnostic and out-patient department of the hospital
Hospital cash benefit
Organ donor treatment cover is provided
Domiciliary hospitalization expenses are compensated
Emergency ambulance cover
Cumulative Bonus
Restoration of the Sum Insured Amount

Exclusions of Aditya Birla Health Insurance

Pre-existing diseases until the completion of the waiting period
Additional hospital charges
Hospitalization due to hazardous occupation or activities
Any kind of auto-immune disorders
Mental disorders and neurological ailments
Any alternative medicine or complementary medication
Hereditary diseases or genetic disorders
Rehabilitation expenses
Cosmetic and plastic surgeries
Dental care and oral care treatment
External devices required for eyesight and vision support
Any type of experimental treatments
HIV and AIDS related complications
Routine diagnostic procedures
Any kind of non-medical expenses
Obesity and weight loss programs
Treatment for menopause and puberty disorders
Reproductive treatment or maternity-related complications
Any kind of laser treatment
Treatment for STDs
Any kind of sleeping disorders
Consumption of alcohol and overdose of drugs or any kind of intoxication
Any kind of unlawful act
Any medical aid that is taken outside India

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C apply.

How to Buy Aditya Birla Health Insurance Plan?

You can buy Aditya Birla Health Insurance plans from Policybazaar & methods are given below:

You can either call at Policybazaar’s Sales helpline number and seek a suitable plan by providing your requirements
You can also provide your name, email id, and mobile number on the company’s website and request for a call back
You can visit Policybazaar’s website and buy it online in a matter of few minutes: Go to their health insurance page, click on Buy Now option, select the plan, provider your details, make the payment, and its done.

Documents Required for Aditya Birla Health Insurance Claims

Submit the following documents while filing a claim:

Submit the claim form
Provide all the medical bills
Death certificate (as per the case)
Doctor’s certificate regarding the diagnosis
Other relevant documents and bills

Aditya Birla Health Insurance Claim Procedure

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.

How to Calculate Aditya Birla Health Insurance Premium?

When buying a medical insurance policy, it is important for you to know the factors that affect the cost of the health insurance premium:

Sum insured amount
Coverage Type
Age of the Insured Members
Medical history
BMI (Body Mass Index)
Smoking/Alcohol Habits
Area of residence, occupation etc.
Any other factors

You can also calculate premium using aditya birla health insurance premium calculator online.

How to Compare Aditya Birla Health Insurance?

Things to consider before buying Aditya Birla Health Insurance

Compare the different plans provided by the insurer
Choose from the sum insured options
Finalize the sum insured amount
Always check premium using Aditya Birla health insurance calculator
Read the exclusions mentioned in the policy documents
Also, check the waiting period clause
Consolidate all the documents that you need to file a claim
Check out the Aditya Birla health insurance reviews as posted by their customers

Documents that you would need to purchase the policy:

Identity proof
Aadhar card number
Address proof
Medical certificates (if applicable)

FAQs

Q1. Why should I buy 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.
Q2. What are the factors that affect the cost of the health insurance premium?
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:
- Sum insured amount
- Age of the insured
- Tobacco or Smoking Habits
- Medical history
- Lifestyle factors including your occupation
- BMI (Body Mass Index)
Q3. Should I buy an individual health insurance policy or a family floater plan?
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.
1. Individual Sum Insured - Each family member can get an individual amount of sum assured. And the sum assured is the same for every insured member.
2. Floater Sum Insured - The plan offers a collective amount of sum assured to all the members of the family. And this amount can be used by other insured members, on exhaustion of the individual sum assured.
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.
Q4. What is the benefit of cashless hospitalization cover?

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.
Q5. What is the portability of health insurance?

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.
Q6. What is a No-claim-bonus benefit under health insurance policies?

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.