Aditya Birla Health Insurance Riders

Aditya Birla PPN Discount

The Aditya Birla PPN Discount rider provides a premium discount of 10% if the policyholder agrees to get admitted to a hospital listed under the ‘Preferred Provider Network (PPN)’ list. A co-payment will be applicable if the insured gets admitted to a hospital outside the PPN list. This rider is available under Aditya Birla Activ Care, Aditya Birla Activ Health and Aditya Birla Activ Assure Diamond plans.

Aditya Birla Super NCB

The Aditya Birla Super NCB rider increases the policy sum insured by 50% for up to 100% during renewal, provided no claims have been raised in the policy year. This rider is available under Aditya Birla Activ Fit and Aditya Birla Activ Assure Diamond plans.

Aditya Birla OPD Expenses

The Aditya Birla OPD Expenses rider pays for the cost of medical consultations, diagnostic tests and medicines taken on an outpatient basis. This rider is available under Aditya Birla Activ Health and the Aditya Birla Activ Fit plans.

Aditya Birla Advance Health Check-up

The Aditya Birla Advance Health Check-up rider covers the cost of availing advance medical check-up facilities once a year at a network hospital/ service provider of the insurer. This rider is available under the Aditya Birla Activ Care policy.

Aditya Birla Critical Illness Cover

The Aditya Birla Critical Illness rider pays a lump sum amount to the insured if he/she is diagnosed with any of the 20 critical illnesses listed by the insurer. This rider is available under the Aditya Birla Activ Health policy and gets activated after a survival period of 15 days.

Aditya Birla Unlimited Reload of Sum Insured

The Aditya Birla Unlimited Reload of Sum Insured rider recharges the sum insured of the policy unlimited times in a year if the original sum insured is exhausted due to claims. This rider is available under the Aditya Birla Activ Assure Diamond policy.

Aditya Birla Personal Accident Cover

The Aditya Birla Personal Accident rider pays a fixed amount if an accident of the insured leads to death or permanent total disablement. This rider is available under the Aditya Birla Activ Health policy.

Aditya Birla Premium Waiver

The Aditya Birla Premium Waiver rider waives off the policy premium for 1 year if the insured is diagnosed with any of the 20 listed critical illnesses or suffers from permanent total disability due to an accident. This rider is available under the Aditya Birla Activ Fit policy.

Aditya Birla Maternity Expenses

The Aditya Birla Maternity Expenses rider covers the medical expenses incurred on child delivery, pre & post-natal care, newborn baby expenses, baby’s vaccination expenses, stem cell preservation and lawful medical termination of pregnancy. This rider is available under the Aditya Birla Activ Health policy and comes with a waiting period.

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Aditya Birla Reduction in Maternity Waiting Period

The Aditya Birla Reduction in Maternity Waiting Period rider reduces the waiting period for covering maternity expenses from 36 months to 24 months. This rider is available under the Aditya Birla Activ Fit policy.

Aditya Birla Reduction in PED Waiting Period

The Aditya Birla Reduction in PED Waiting Period rider decreases the applicable waiting period to cover pre-existing diseases to 24 months. This rider is available under the Aditya Birla Activ Assure Diamond policy.

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Aditya Birla Nursing at Home

The Aditya Birla Nursing at Home rider pays a daily fixed amount to the policyholder for a maximum of 15 days if the insured requires the assistance of a qualified nurse after getting discharged from the hospital. This rider is available under the Aditya Birla Activ Care policy.

Aditya Birla Any Room Upgrade

The Aditya Birla Any Room Upgrade rider upgrades the eligible hospital room category to any room in the hospital. This rider is available under the Aditya Birla Activ Assure Diamond policy.

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Aditya Birla Accidental Hospitalization Booster

The Aditya Birla Accidental Hospitalization Booster rider provides an additional sum insured if the insured is admitted to a hospital due to an accidental injury. This rider is available under the Aditya Birla Activ Assure Diamond policy. However, this rider is available only once a year and can be utilized after the base sum insured has been fully exhausted.

Aditya Birla Lifestyle Support Equipment

The Aditya Birla Lifestyle Support Equipment rider covers the cost of the lifestyle support equipment installed at the insured’s home on the doctor’s advice after hospital discharge. This rider is available under the Aditya Birla Activ Care policy.

Aditya Birla Portable Medical Equipment

The Aditya Birla Portable Medical Equipment rider pays for the cost of the portable medical equipment required by the insured on the doctor’s advice after getting discharged from the hospital. This rider is available under the Aditya Birla Activ Care policy.

Aditya Birla Hospital Cash Benefit

The Aditya Birla Hospital Cash benefit rider pays a cash allowance to the insured for each day of hospitalization for a maximum of 10 days per hospitalization and 30 days in a policy year. This rider is available under the Aditya Birla Activ Health policy.

Aditya Birla Room Upgrade

The Aditya Birla Room Upgrade rider enables the insured to upgrade the eligible room category to a single private AC room or any room except a suite & above, depending on the plan type. This rider is available under the Aditya Birla Activ Care policy.

Aditya Birla Non-Medical Expenses Waiver

Aditya Birla Non-Medical Expenses Waiver rider covers the cost of non-medical expenses that are incurred during hospitalization. This rider is available under the Aditya Birla Activ Fit policy.

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Aditya Birla EMI Protection

The Aditya Birla EMI Protection rider pays a lump sum amount to the policyholder to pay his/her EMIs if he/she has been hospitalized for more than 6 consecutive days due to an illness/injury. This rider is available under the Aditya Birla Activ Fit policy.

Aditya Birla Travel Protect

The Aditya Birla Travel Protect rider pays a fixed amount to the policyholder if a domestic trip results in total loss of checked-in baggage, delay in checked-in baggage, trip cancellation & interruption, trip delays and missed flight connection. This rider is available under the Aditya Birla Activ Fit policy.

Aditya Birla Waiver of Mandatory Co-payment

The Aditya Birla Waiver of Mandatory Co-payment rider waives off the mandatory co-payment applicable on all claims except for critical illness and personal accident cover. This rider is available under the Aditya Birla Activ Health policy.

Aditya Birla International Coverage for Major Illnesses

The Aditya Birla International Coverage for Major Illnesses rider reimburses the cost of in-patient hospitalization incurred outside India for treating 16 major illnesses. It also offers coverage for post-hospitalization expenses, organ donor expenses, travel expenses, accommodation expenses, repatriation of mortal remains, international second e-opinion for major illness and visa documentation guidance. This rider is available under the Aditya Birla Activ Health policy.

Aditya Birla Cancer Hospitalization Booster

The Aditya Birla Cancer Hospitalization Booster rider provides an additional sum insured to the insured if he/she is diagnosed with cancer of specified severity. This rider is available under the Aditya Birla Activ Assure Diamond policy. However, this rider can be utilized after the base sum insured has been completely exhausted and is available only once a year.

Upgraded Coverage

Aditya Birla health insurance riders can be used to upgrade the coverage level of a base health policy. This enables policyholders to get their desired coverage without buying another policy.

Wide Variety of Riders

The Aditya Birla Health Insurance Company provides a wide range of riders catering to different medical needs of the people. Policyholders can opt for the riders of their choice and achieve more comprehensive coverage.

More Affordable

Buying a health insurance rider is more affordable than purchasing a mediclaim policy. Therefore, people can save lots of money by buying a rider rather than purchasing another policy to obtain the same coverage.

Customizations Possible

Policyholders can easily customize their Aditya Birla health insurance policies by opting for riders and getting the coverage of their choice.