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Aditya Birla Health Insurance
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.
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 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.
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:
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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 hospitalsFeatures 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
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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 limitSum 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 hospitalsFeatures 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
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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.10,000Temporary 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
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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
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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
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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 cancerCumulative 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
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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 LimitNo-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
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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 belowFeatures 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
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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
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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.
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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)
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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.
- 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.
- 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.
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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.
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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.
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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.
Written By: PolicyBazaar - Updated: 10 March 2021
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