Aditya Birla Health Insurance
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*Tax benefit is subject to changes in tax laws. Standard T&C Apply
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Overview of Aditya Birla Health Insurance
The Aditya Birla Health Insurance Company was started as a partnership between India’s Aditya Birla Group and South Africa-based MMI Holdings in 2015. The company offers a variety of health insurance plans with a focus on chronic care and incentivized wellness. It also offers customized health plans for parents as well as for diseases like COVID-19, cancer, critical illnesses, etc.
Moreover, the Aditya Birla Health Insurance Company enjoys an incurred claim ratio of 69.56% for the year 2021-22. It also comes with a team of dedicated Care Managers who help the policyholders during the claim process.
Choose Aditya Birla Health Insurance Coverage of Your Choice
Aditya Birla Health Insurance Plans
Aditya Birla Health Insurance Company offers a range of medical insurance plans to provide financial assistance during a health emergency. Given below is the list of Aditya Birla health insurance plans available in the market:
Aditya Birla Activ Health Platinum is a comprehensive plan that covers a wide range of medical expenses with a sum insured ranging from Rs 2 lakh to Rs 2 crore. The plan is available in three types – Essential, Enhanced and Premiere.
Features & Benefits:
- Costs of hospitalization, OPD, day care procedures and home treatments are covered
- Coverage for mental illness hospitalization and obesity treatment are available
- Availability of emergency assistance services within India and abroad
- Dental consultations and investigations are also covered
- Annual health check-up facility is available along with the recovery benefit
- 100% reload of the sum insured and premium waiver benefits are available
- 50% cumulative bonus for up to 100% granted for every claim-free year
The Aditya Birla Activ Fit plan has been designed to provide medical coverage to people who are fitness enthusiasts. The plan rewards the policyholder for staying fit and comes with a sum insured of Rs 5 lakh to Rs 1 crore.
Features & Benefits:
- Hospitalization expenses, home treatment and day care procedures are covered
- Coverage for mental care, HIV/AIDS and STDs are available
- Maternity expenses, ambulance charges and organ donor expenses are covered
- Annual health check-up facilities and domestic emergency assistance services are available
- Unlimited binge refill for up to 100% of the sum insured is available from day 1
- 10% No Claim Bonus for up to 100% is granted for every claim-free year
- OPD cover, Super No Claim Bonus and EMI Protection are available as optional covers
The Aditya Birla Activ Assure Diamond plan offers a wide range of medical coverage to the insured for an affordable cost. The sum insured ranges from Rs 2 lakh to Rs 2 crore.
Features & Benefits:
- In-patient, pre-hospitalization and post-hospitalization expenses are covered
- Both daily allowance and vaccination covers are available
- Second E-opinion available on 15 critical illnesses
- 150% reload of the sum insured is available
- Annual health check-up facilities and global emergency assistance services are available
- Reduction in PED waiting period, unlimited reload of the sum insured and any room upgrade are available as optional covers
The Aditya Birla Activ Care plan is a health insurance policy for parents designed to provide comprehensive coverage to elderly people of age 50 years and above. The plan is available for a sum insured of Rs 3 lakh to Rs 25 lakh and comes in three types – Standard, Classic and Premier.
Features & Benefits:
- Hospitalization, home treatment and domiciliary hospitalization costs are covered
- Both OPD treatment and AYUSH treatments are covered
- Comprehensive health check-up benefit is available once in every year
- Coverage for emergency ambulance services and second e-opinion on major illnesses are available
- Reload of the sum insured is available once in a year
- 10% No Claim Bonus for up to 50% is granted for every claim-free year
- Room upgrades, life support equipment and nursing at home are available as optional covers
The Aditya Birla Activ Cancer Secure plan is a customized health plan designed to provide coverage against the treatment cost of cancer. The sum insured ranges from Rs 5 lakh to Rs 1 crore under this plan.
Features & Benefits:
- Treatment cost for all three stages of cancer is covered
- Up to 150% of the sum insured is available in a lump sum payment
- 10% cumulative bonus for up to 100% is available for every claim-free year
- Second e-opinion and wellness coach are available as optional covers
- 180 days waiting period applicable for early-stage cancer cover
- Survival period of only 7 days is applicable
The Aditya Birla Super Health Plus Top Up plan helps the insured to avail insurance coverage even after the base policy gets expired. The policy comes with a deductible ranging from Rs 1 lakh to Rs 15 lakh for a sum insured amount ranging from Rs 3 lakh to Rs 95 lakh.
Features & Benefits:
- Coverage for in-patient, pre-hospitalization and post-hospitalization expenses are available
- Both home treatments and domiciliary hospitalization are covered
- Day care procedures and the AYUSH benefit are also available
- No room rent limit is applicable
- Zero deductible feature available after 5 years
- Domestic and international emergency assistance services, including air ambulance, is available as an optional cover
- Option to choose health and wellness discounts on OPD consultations, pharmacies, etc.
The Aditya Birla Activ Secure Critical Illness plan has been designed to provide financial coverage to the insured for up to 64 critical illnesses and procedures. The plan is available in three types with the sum insured ranging from Rs 1 lakh to Rs 1 crore.
Features & Benefits:
- Plan A covers 20 critical illnesses, Plan B covers 50 illnesses and Plan C covers 64 illnesses
- Lump sum payment is paid on the diagnosis of the disease
- Survival period of only 15 days is applicable
- Wellness coach and second e-opinion are available as optional covers
The Aditya Birla Activ Secure Personal Accident plan provides financial support in case the insured suffers from an accident. The plan comes in five types and offers a sum insured amount ranging from Rs 1 lakh to Rs 20 crore.
Features & Benefits:
- Coverage for accidental death and permanent disabilities due to accidents are available
- Emergency ambulance services, funeral expenses and repatriation costs are covered
- Education benefit, orphan benefit and modification benefit are available
- 5% cumulative bonus is granted on every claim-free year
- Option to buy accidental hospitalization expenses, OPD cover, coma benefit and broken bones benefit
- Worldwide emergency assistance services and adventure sports benefit available as optional covers
- EMI protection and temporary total disabilities covers are also available as optional covers
The Aditya Birla Activ Secure Hospital Cash plan offers a daily allowance to the insured for each day of hospitalization to cover miscellaneous expenses, such as the cost of food, travel, etc. The plan comes with a sum insured of Rs 500 to Rs 10,000 per day.
Features & Benefits:
- Daily hospital cash is paid after a deductible of 1 day
- Hospital cash cover is available for 30/45/60 days in a year
- Double benefit is available for ICU and hospitalizations due to a road traffic accident
- Convalescence benefit is paid in case of hospitalization of 7 days or more
- Parental accommodation benefit is paid if the child is hospitalized for 3 days or more
The Aditya Birla Global Health Secure plan is an international health insurance plan that covers the insured against 16 major illnesses, including cancer, neurosurgery, etc. The sum insured ranges from Rs 3 crore to Rs 6 crore under this plan.
Features & Benefits:
- In-patient hospitalization and post-hospitalization expenses are covered
- International second e-opinion for major illnesses is available
- Cost of travel and accommodation are covered
- Visa documentation guidance is also available
- Organ donor expenses and repatriation costs for mortal remains are also covered
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Why Should You Buy Aditya Birla Health Insurance Plans?
Check out some of the reasons why you must buy an Aditya Birla Health Insurance plan:
- Binge Refill Benefit from Day 1 – The Aditya Birla Activ Fit plan offers an unlimited reload of the sum insured up to 100% from day 1 under the binge refill benefit.
- 24x7 Customer Support – The insurer comes with a well-equipped customer support team that is available for assistance round the clock.
- Dedicated Care Managers – The Aditya Birla Health Insurance Company offers dedicated Care Managers to help policyholders at any step of the claim process.
- Tax Benefits – As per Sec 80D of the Income Tax Act, the premium paid towards Aditya Birla Health Insurance plans is eligible for tax deductions.
How to File a Claim with an Aditya Birla Health Insurance Plan?
The steps to file a cashless claim with an Aditya Birla health insurance policy are given below:
Go to the Nearest Network Hospital
Get admitted to a network hospital of Aditya Birla Health Insurance Company to avail cashless treatment.
Notify the Insurer
Inform the insurer about your emergency hospitalization within 48 hours and planned hospitalization at least 3 days prior to getting hospitalized.
Provide Necessary Documents
Show your Aditya Birla health insurance cashless card or your policy number at the hospital along with valid ID proof, such as a passport, PAN card, Aadhaar card, Voter ID, etc
Submit the Pre-Authorization Request Form
Fill up a pre-authorization request form and submit it at the insurance desk of your hospital. The hospital will send the form to the insurance company for cashless treatment approval.
Claim Approval
The insurer will review the form with the terms and conditions of your policy and accordingly approve the request.
Claim Settlement
Once the treatment is complete, the insurance company will settle the claim amount with the network hospital.
If the insured is admitted to a non-network hospital, he/she must pay the hospital bill while getting discharged from the hospital. File a reimbursement claim with the insurer by submitting all the required documents. The insurer will verify all the documents and accordingly, the claim amount will be paid.
Documents Required for Aditya Birla Health Insurance Claim
Check out the various documents required to file an Aditya Birla health insurance reimbursement claim:
- Duly filled out Aditya Birla health insurance claim form
- Health card or copy of health insurance policy
- KYC documents, such as an Aadhaar card, passport, etc.
- Copy of hospital registration certificate
- Original hospital discharge card or death summary
- Original final hospital bill break-up with all the original deposits and payment receipts
- Original bills apart from the main hospital bill along with payment receipts
- Implant stickers and invoices for all surgical implants
- Doctor’s letter describing the medical condition, past history, treatment details and duration
- Previous consultation papers
- All original diagnostic reports
- Pharmacy bills with prescriptions
- MLC/ FIR copy (in case of accidents)
Aditya Birla Health Insurance Network Hospitals
Aditya Birla health insurance policyholders can avail cashless hospitalization benefits at any of the network hospitals of the insurance company. Check out the list of Aditya Birla health insurance network hospitals across different Indian cities:
How to Buy Aditya Birla Health Insurance Plans?
Here are the steps to buy an Aditya Birla health insurance plan:
Step 1: Visit Policybazaar.com and click on the ‘health insurance’ icon
Step 2: Select the people to be insured along with their ages
Step 3: Provide the required details like name, phone number, city, etc.
Step 4: Choose if you had any prior medical illness
Step 5: Pick the Aditya Birla health insurance plan to be purchased
Step 6: Pay the premium amount online
Step 7: The Aditya Birla Health Insurance Company will issue the policy.
How to Renew Aditya Birla Health Insurance Plans?
Take a look at the procedure to renew a Aditya Birla health insurance policy:
Step 1: Visit the website of Policybazaar Insurance Broker Private Limited
Step 2: Go to the ‘Renew Your Policy’ tab on the menu bar and click on ‘Health Renewal’
Step 3: Enter your mobile number and the OTP
Step 4: People new to Policybazaar and click on the ‘health insurance’ icon on the homepage
Step 5: Enter the requested details, such as your name, age, city, etc.
Step 6: Choose the Aditya Birla health insurance renewal plan and pay the premium online
Step 7: The insurance company will renew your health policy.
How to Calculate Aditya Birla Health Insurance Premium?
The premium of an Aditya Birla health insurance plan can be calculated by using a health insurance premium calculator online. Check out the Aditya Birla health insurance premium calculator below to calculate the premium of a health plan:
Contact Details of Aditya Birla Health Insurance
Take a look at the contact details of Aditya Birla Health Insurance Company below:
| Categories | Contact Details |
| Toll-free No | 1800-270-7000 |
| Whatsapp No | +91 88288 00035 |
| Email Id | care.healthinsurance@adityabirlacapital.com |
Aditya Birla Health Insurance- FAQs
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Q1. Is Aditya Birla Capital health insurance good?
Ans: Yes. Aditya Birla health insurance plans are considered good as they focus on the overall fitness of the insured besides offering financial support during a medical emergency. The company has also settled more than 1.97 lakh claims and has a wide network of empanelled hospitals spread across the country. -
Q2. What is not covered in Aditya Birla health insurance?
Ans:Aditya Birla health insurance plans do not provide coverage for the following:
- Self-inflicted injuries or suicide
- Adventure or hazardous sports
- Treatment for alcoholism or drug addiction
- Cosmetic or plastic surgery
- Unproven treatments
- Venereal diseases
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Q3. How to check Aditya Birla health insurance policy?
Ans: You can check Aditya Birla health insurance policy status by logging in to the website of the insurer or calling on their customer care number. You can also check the policy status on Policybazaar.com if you have purchased the policy from them.
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Q4. How can I find the nearest Aditya Birla health insurance network hospital?
Ans: You can find the Aditya Birla health insurance hospital list with the policy document issued by your insurer. You can also find the network hospital list on Policybazaar.com to avail cashless treatment. -
Q5. What is the grace period for Aditya Birla health insurance?
Ans: Aditya Birla health insurance plans come with a grace period of 30 days.
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