Aditya Birla Health Insurance Plans

Company Overview

Aditya Birla Health Insurance Company came into existence with a joint venture of Aditya Birla Group (India’s third-largest private sector conglomerate) and MMI Holdings Limited (South Africa’s leading insurance company). This joint venture enables individuals and families lead healthier lives. Aditya Birla Health Insurance focuses on proactive health and provide wellness programs that help customers lead healthier lifestyle as a part of the comprehensive health cover. The Latest Claim Settlement Ratio of the company for the year 2018-19 is 59%.

Key Points of Aditya Birla Health Insurance

Policy Renewability	Lifetime
Health Cover	Individual & Family Floater
Network Hospitals	5700+ hospitals
Claims Ratio	59%
Refill of Sum Insured	Yes

Snapshot Of Aditya Birla Health Insurance Plans

Plan Name	Plan Type	Min/Max Age	Min/Max SI	Availability	Plan Tenure
Activ Health Enhanced	Individual/Family Floater	Adult: 18 years– No max entry age limit Child: 91 days – 25 years	Min SI: 2 Lakh Max SI: 2 Crore	Online	Min: 1 year Max: 3 year
Activ Health Essential	Individual/Family Floater	Adult: 18 years– No max entry age limit Child: 91 days – 25 years	Min SI: 50,000 Max SI: 10 Lakh	Online	Min: 1 year Max: 3 year
Activ Assure Diamond	Individual/Family Floater	Adult: 18 years– No max entry age limit Child: 91 days – 25 years	Min SI: 2 Lakh Max SI: 2 Crore	Online	Min: 1 year Max: 3 year

Reasons for buying Aditya Birla Health Insurance Plans

Owing to hectic lifestyle, people don’t get enough time to take care of their health that resulting in health-related issues. It’s better to secure your health by choosing a comprehensive health insurance plan that covers you and also offers you rewards for staying fit. Aditya Birla Health Insurance Company offers customized health plans that ensure comprehensive health cover plus wellness program for your or your family.

Main USP’s of Aditya Birla Health Insurance Plans are:

Comprehensive health cover up to 2 crore
Rewards to stay fit
Choice of hospital room category
Avail Second e-opinion for critical illness
Day 1 cover for chronic illnesses
Worldwide emergency assistance services
Riders to enhance policy benefits

Key Benefits of Aditya Birla Health Insurance Plans

In-patient treatment expenses, including room rent, ICU charges, specialist’s fee, operation theater charges, medicines, consumables, etc. are covered
Pre hospitalization expenses incurred before hospitalization are covered up to 30/60 days, as per the plan chosen
Post hospitalization expenses incurred after discharge from hospital are covered up to 60/180 days, depending on the plan chosen
Listed day care procedures/surgeries for which the insured needs to get hospitalized for less than 24 hours are covered
Domiciliary hospitalization is covered, as per the limits specified
Organ donor’s medical expenses are covered
Choosing a lower hospital room category is payable on claims
Recovery Benefit is payable, as per the terms specified
Tax benefits are applicable for the premiums paid under section 80D of the Income Tax Act, 1961

Value Added Benefits under Aditya Birla Health Insurance Plans

100% Reload of Sum Insured for an illness, not related to previous claims during the same policy year
Road Ambulance charges are covered
Cumulative bonus of 10%/20% for every no-claim policy year, depending on the plan chosen
Free annual health check-up for each insured aged above 18 years
Option to avail second e-opinion on critical illness
Worldwide emergency assistance services
Chronic Management Program to control chronic illnesses
Health Returns rewards for staying fit and healthy
Wellness Coach to guide you towards achieving good health and wellnes

(Note: The health plan benefits, features, specifications may differ from one to another)

Aditya Birla Health Insurance Coverage

Aditya Birla Health Insurance Company offers a wide array of health plans that will help you to fulfill your healthcare needs. You only need to pick the right health cover that will cover all the medical expenses that incur in the event of hospitalization. Firstly, you must assess you & your family’s health conditions and then pick a sum insured that will cover the unforeseen medical expenses.

Aditya Birla Health Insurance Claim

When looking to get the health insurance claim from Aditya Birla Health, you can choose the option of cashless or reimbursement claim.

Cashless Claim: You can avail the cashless hospitalization, when any insured member is hospitalized with the listed 5700+ network hospitals of Aditya Birla health insurance. Before buying a health insurance policy, you must assure that there are network hospitals to the nearby location so you can approach during medical exigencies.

In case of planned hospitalization, you need to fill the pre-authorization form to get the approval from the insurance company 48 hours before such hospitalization. In the event of immediate hospitalization, you should get such hospitalization approved within 24 hours of hospitalization. On submission of required documents, the insurance company pays the medical expenses directly to the hospital.

Reimbursement Claim: If you are hospitalized with a non-network hospital, Aditya Birla health insurance will reimburse you for the medical expenses incurred arising from hospitalization. You need to furnish the medical bills and other required documents to get the reimbursement of the health claim.

Documents to be submitted for Claims

The following documents need to be submitted with the Aditya Birla health insurance claim form.

First doctor’s prescription
Hospital bills
Related treatment prescriptions
Diagnostic reports
Discharge from hospital
FIR copy, if any
Patient’s identity card
Copy of health card

Calculate Aditya Birla Health Insurance Premium

With Aditya Birla health insurance plans, you will get covered for hospitalization expenses up to the limit of coverage opted under a health plan. To get the health cover, the insurer will ask you to pay the premium for the plan chosen.

Before buying a health plan from Aditya Birla health insurance, you are advised to check the premium through health insurance premium calculator. The premium chart from Aditya Birla health will also help you to identify the premium amount that you will have to pay for getting a health coverage.

Aditya Birla Health Insurance Review

Aditya Birla Health Insurance Company offers various health plans to ensure a customized & comprehensive coverage to cater the health needs of customers. It also offers wellness programs that offers rewards to the insured person to ensure you live a fit and healthy life. You can choose from several additional covers that will help to boost the coverage and fulfill your healthcare needs.

Aditya Birla Health Insurance- FAQ’s

How to pay the policy premium?

Aditya Birla health insurance offers two modes of premium payment.

Online Payment: For online mode of premium payment, the policyholder can pay through credit/ debit card & net banking.

Cash payment at branch: You need to visit the Aditya Birla Insurance branch and pay the premium amount in cash.

How can I check the status of Aditya Birla health insurance policy?

By logging to Aditya Birla health insurance website, you can check the policy status online by entering the required details such as policy number, date of birth or registered mobile number.

What is the policy renewal process of Aditya Birla health insurance?

To renew a health policy, you need to visit the website of Aditya Birla health insurance. At the insurer’s website, you can calculate the premium and then proceed for the payment. After making the premium payment, the policy gets renewed instantly.

What is the process of Aditya Birla health insurance to settle the health insurance claims?

In order to settle a health claim, you need to inform the insurance company by filling the claims form and upload relevant documents online. After acceptance of the documents by the company, your claim is settled within a duration as specified by the insurer.

Is there any tax benefit on Aditya Birla health insurance plans?

The premium amount you pay for covering you & your family under Aditya Birla health insurance plan is considered for tax benefit under section 80D of the Income Tax Act 1961.