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*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
The Aditya Birla Group has introduced the Aditya Birla Group Activ Health Plan for the welfare of the employees of a company. This plan has been presented with the vision to provide medical benefits to employees or workers of a company in times of medical emergencies or unforeseen hospitalization.
This plan provides financial cover in times of medical needs of the employees. Group insurance plans are highly recommended for people who ‘re unable to afford individual health policies due to exorbitant premium costs.
It also provides the facility of wellness coach to an organization's employees who will guide for achieving fitness and health goals.
Aditya Birla Group Activ Health Plan, an annual group health insurance plan by Aditya Birla Health provides health and physical benefits to an organization's employees under the policy. When an employee joins the organization, his compensation benefits include a group health insurance plan.
These health insurance policies for an employee group in a company are uniform in nature. This fact means all employees covered under the policy avail of the same benefits. Employers have the option to extend the coverage under a group health insurance plan to their family members. This plan covers any hospitalization expenses, daycare procedures, ambulance charges due to any accidents or sickness.
Aditya Birla Group Activ Health plan provides comprehensive financial coverage for its group members covered under the policy. Wherever required, the employer can customize the plan as per the needs of the employees. Below are the features offered by this plan.
Some of the alluring benefits of this policy are:
*Tax benefits are subject to changes in tax laws.
The Aditya Birla Group Activ Health Plan provides comprehensive medical coverage for the following:
The policy doesn’t cover the following:
This plan can be taken or enrolled by any member of the organization or employee of the company where the employer offers it. The plan coverage begins from day one of the joining of the employee.
Aditya Birla Group health plan provides two methods of claim process:
The steps to be followed under cashless claim are:
The steps to be followed under reimbursement claim are:
The documents required to be submitted for filing a Reimbursement Claim are as follows:
Aditya Birla Group Health Insurance Plan can be purchased easily online. As part of your company’s group health policy, you can access the company’s website. You can log on to the company portal and provide your name, email id, and mobile number on the company's website and request for a callback.
Alternatively, your company will provide an Aditya Birla Group Health Insurance help desk in their premises where you can get the enrollment form and fill it and submit it.
You can even buy this Group Health insurance policy at paisawiki.com. You can compare plans which provide the best medical coverage as per your medical needs.
Steps of Buying Health Insurance at paisawiki.com
You will receive the soft copy of the policy document at your email address within 48 hours. Paisawiki provides a one-stop-shop facility to purchase this plan online on the website.
The application process for Aditya Birla Group Activ health Plan is simple and easy with minimum documentation. The group members need to submit copies of the following documents at the time of enrollment to the plan with their company.
You can easily renew your Aditya Birla Group Health Insurance plan online on the company’s website. These Group insurance plans need to be renewed annually. Renewal of your policy on time ensures that you continue to receive the health insurance benefits uninterruptedly offered by the policy.
Alternatively, you can visit paisawiki.com and access the Group Health Insurance page. After entering your necessary details, click on 'Renewal'.
Paisawiki works towards making the renewal process easy and simplified for you online. You can avail of the package of services, complete with expert guidance, plan comparison, purchase assistance and renewal of the plan. You can compare online and find the best plan as per your insurance needs.
You can even contact the insurance provider help desk in your employment company premises for policy renewal. You need to take the renewal form and submit it duly filled along with the necessary payment.
Ans: Yes, this Aditya Birla Group Health Insurance Plan provides coverage for chronic diseases like diabetes, hypertension and asthma from day 1 of enrollment to the plan. This feature is available under the Chronic Management Program offered by the policy.
Ans: Group health insurance provides health insurance benefits to an entire group of people under the policy. This kind of policy generally offers the same type of plan and benefits to all members of the particular group. However, the companies can offer customized plans as per the needs of the employee, i.e. different coverage amounts or number of members insured.
Unlike Individual health Insurance policy, a Group Health Insurance provides coverage even in the case of pre-existing diseases, and there is also no waiting period involved.
Ans: Generally, hospital costs depend on the type of room chosen for hospitalization. Treatment cost in an AC room will be higher than that in a shared, regular hospital room. However, you can customize the room rent as per your group health plan. You can either take a room based on 1%, 1.5% or 2% of sum insured, or a single AC room or a room with no rent cap at all.
Ans: Aditya Birla Group Health insurance plan provides coverage for pre-existing diseases from the day of enrollment to the policy. These are the diseases that exist in the policyholder before he purchases the plan, ex., cardiovascular diseases, and Blood Pressure issues.
Ans: Unlike Individual health insurance policies, that have a maternity waiting period of 3 to 4 years, there is NO such waiting period for maternity in case of this policy. The insured member should be enrolled in the plan for at least nine months as the employee of the organization concerned. If the company so desires, even this minimum requirement for nine months can be waived off. This feature means that the insured members can claim the maternity benefits from Day 1 of enrollment to the policy.