Aditya Birla Health Insurance

Health insurance is an imperative buy these days. In the race of offering the best health insurance products and securing the name in the list of top insurers, Aditya Birla is not left behind. Aditya Birla health insurance is one of the most sought after products one can consider for investing in a health insurance policy.

What are Aditya Birla Health Insurance Plans?

Aditya Birla Health Insurance is a popular name in health insurance sector. Aditya Birla health insurance plans are carefully designed to serve the insurance needs of the policyholders. The innovative and comprehensive health insurance products by Aditya Birla Group are aimed at helping people in maintaining a healthy lifestyle along with covering their medical expenses. Activ Health, Active Assure, Activ Health Enhanced, are some of the plans offered by Aditya Birla Health Insurance that are bundled with exciting benefits and rewards. With the help of its services such as HealthReturnsTM and Activ Health App, you can easily keep a track of your fitness and earn rewards for being healthy. This makes managing your health insurance policy a simple and hassle-free experience.

Aditya Birla Health Insurance – Reasons to Choose

Along with covering your medical expenses, Aditya Birla Health Insurance Plans motivate you to improve your current state of health. There is not just one but many reasons to choose Aditya Birla Health Insurance, some of them are:

• Rewards for Maintaining Healthy Lifestyle
  • Not many health insurance plans extend rewards to their customers for maintaining a healthy lifestyle. Aditya Birla Health Insurance Plans reward policyholders for avoiding unwanted health problems and having a healthy lifestyle
  • With Aditya Birla Health Insurance Plans, you can earn back up to 30% of your medical insurance premium paid if you have not made a claim application for medical or health treatment and expenses
• Wide Range of Sum Insured
  • Aditya Birla Health Insurance offers a wide range of sum insured for you to choose from
  • The amount of sum insured ranges from Rs.2 Lakh to Rs.2 Crore depending on the policy and the add on riders (in any)
  • Aditya Birla Health Insurance has several add on rider benefits to help you further increase the Sum Assured
• Variety of Plans
  • Aditya Birla Health Insurance offers a variety of health insurance plans to choose from
  • Different plans have different benefits, which cater to the different and unique expectations of the potential policyholder
• Worldwide Assistance
  • Whether it’s domestic or international, Aditya Birla Health Insurance policies cover road and air ambulance expenses in both the cases
  • This allows for quick and efficient response if the insured in a medical emergency and takes off the burden of hailing an ambulance no matter where you are in the world
• Access to Health Experts
  • Health insurance policies by Aditya Birla Health Insurance Company offer access to the experts of health industry, anywhere and anytime
  • These experts provide medical, nutritional, lifestyle management, and wellness counselling sessions
  • Aditya Birla Health Insurance Company agents provide 24 * 7 assistance in choosing and selecting the right policy
• Widespread Network
  • Aditya Birla Health Insurance Company covers a wide network of hospitals and doctors, giving policyholders various options to choose from
• Tax Benefit
  • Aditya Birla Health Insurance policies are eligible for tax benefits under section 80 D of the Indian Income Tax Act of 1961
• Customer Support
  • Aditya Birla Health Insurance Company provides access to 24* 7 customer support. This system allows anyone to sort and get a response for any query they might have regarding the health insurance policies and/or the processes associated with the company itself
• Claim Settlement Ratio
  • The claim settlement ratio is the number of claims that has been slabbed by the insurance provider against the total number of claims that have been received in a financial year
  • Aditya Birla Health Insurance company has managed to maintain a stellar claim settlement ratio of over 91 %, which stands at over 63 thousand settled insurance claims in a single financial year
• Hospital Network
• Aditya Birla Health Insurance Company has over 6000 hospitals under its network coverage spread across the country
• The company has network hospital coverage in over 650 different cities 

Key Highlights of Aditya Birla Health Insurance

Aditya Birla Health Insurance Company has some of the most robust and well-structured health insurance plans in the country. There is a plan for every possible potential policyholder. This allows the company to have its stellar consumer affinity and customer satisfaction. 

Aditya Birla Health Insurance Plan Comparison Table

Consider the below table of various plans offered by Aditya Birla for a thorough comparison and buy as per your need:

Aditya Birla Health Insurance – Types of Plans

There are different types of health insurance policies that are offered by Aditya Birla Capital insurance company. You can choose the health insurance plan that best suits your needs and health requirement for your family:

• Activ Health Platinum
  • Enhanced: The Aditya Birla Activ Health Platinum Enhanced policy is structured in order to increase and enhance the coverage revised by the policyholder. With flexible terms from 1 to 3 years, this policy can be used either by the individual or for the family of the policyholder. This plan offers additional benefits provided by the Aditya Birla Insurance Company
  • Essential: This health insurance policy is specifically designed for those who have a middle-class income structure of the country. The sum insured is directly co- related to the income of the proposer. Apart from the standard benefits and features, this plan also offers the potential policyholder value added benefits by the company which in inclusive of Wellness Coach and Health Returns

• Activ Assure Diamond: The Activ Assure Diamond health insurance plans protect the policyholder by providing financial support upon being threatened or risked against any medical emergencies and aims to provide coverage for the day to day procedures and costs for treatment and hospitalisation. 

• Activ Care
  • Senior Citizen: Aditya Birla Activ Care Senior Citizen health insurance plan not only offers coverage against accidents and diseases of senior citizens but also takes the overall health of old people into consideration. In addition to basic benefits, this plan has the insured individual go through a fitness assessment test. According to the test score the insured can get additional Health Return benefits. The Health return can also be used during the payment of premiums for the policy at the time of renewal.
• Activ Secure
  • Personal Accident: The Activ Secure Personal Accident policy offers financial protection to the insured individual against personal accidental harm. This plan offers coverage against total/permanent disability of the policyholder, permanent partial disability and provides security to the benefactors in the event of the policyholder’s death. This plan can also be enhanced and made to yield more benefits with the help of an assortment of optional covers and riders
  • Critical Illness: This health insurance plan is designed to make a lump-sum payment to the insured if he or she is diagnosed or shows any sign of a critical illness. This plan covers several illnesses which are listed in the policy document. Most of the illnesses have a low survival rate, so this plan ensures that the beneficiaries mentioned benefit immediately, and that the policyholder receives enough financial support for the treatment of the on-going critical ailment
  • Hospital Cash: The Activ Secure Hospital Cash insurance policy offers the policyholder the benefit of covering the daily financial requirement for the period of hospitalization. This plan allows the policyholder to take care of hidden expenses like food, travel, and even convalescence which is not always covered by other insurance policies
• Cancer Secure: This plan is different from the critical illness policy in the sense that the Activ Secure Cancer Secure plan only offers coverage protection against cancer. Along with coverage of the various stages of cancer, this plan pays a lump sum to the insured upon the primary stages of diagnostics and revealing of cancer.
• Global Health Secure

This global health insurance cover protects you globally against 16 major illnesses. Cashless treatment can be availed globally at the network hospitals, where international travel and accommodation are covered, along with the other listed benefits.

• Group Products
  • Group Activ Health Plan
  • Group Activ Secure Plan
  • Group Activ Travel Plan

Aditya Birla Health Insurance: Key Features and Benefits

• Wellness Guidance: Aditya Birla Health Insurance offers personalised wellness coaching facilities from qualified wellness coaches.
• Chronic Management Program: The Chronic Management Program (CMP) under Aditya Birla Health Insurance is specially designed for people with chronic conditions like asthma, diabetes, high cholesterol, etc. This parogram covers the cost of medicines, doctor consultations, tests, etc. from day 1.
• Activ Health App: With the Activ Health App you can have access to your digital health records 24/7
  • By using this specialized app, you can keep track of your health and insurance information
  • You can also find healthcare service providers listed on the network
• Choice of Hospital Room: Aditya Birla Health Insurance provides the freedom to choose your hospital room, shared or private. You also earn HealthReturnsTM for choosing a room category lower than the opted category
• HealthReturnsTM: Aditya Birla Health Insurance plan rewards you for maintaining a healthy lifestyle in the form of HealthReturnsTM. You can earn rewards worth up to 30% of your premium by just completing 13 active days every month. You can also earn rewards worth up to 6% of your premium by just completing 4 active days every month.
• Reload of Sum Assured: Aditya Birla Capital Health Insurance offers the facility to reload the sum assured in case of an unrelated illness in the same policy year. In the event of road accidents, the sum insured is reloaded in the first claim itself
• Cashless Claims: Aditya Birla Health Insurance policy offers the facility of 24/7 cashless claim assistance across a large network of hospitals.
• Cumulative Bonus: For every unclaimed policy year, the policyholder shall earn a cumulative bonus. The already accumulated bonus will not be reduced even when you claim in any subsequent year
• Coverage for Pre and Post Hospitalisation Expenses: Aditya Birla Medical Insurance provides a for pre and post hospitalisation expenses of the life insured for a fixed period of days before and after hospitalisation 

Aditya Birla Health Insurance – List of Inclusions

Aditya Birla Health Insurance policies offer a host of facilities to its customers. Following is a list of common inclusions of the health insurance policies offered by Aditya Birla Health Insurance Company-

• Pre and post hospitalisation cover. The number of cover days may vary from policy to policy
• Cashless Treatment Facility
• Regular medical check-ups
• Reimbursement of medical expenses
• Domestic and international emergency assistance services
• Reloading of sum insured
• Cumulative bonus for every non-claim year

Aditya Birla Health Insurance – List of Permanent Exclusions

The conditions that are considered as exclusions include:

• Acts of war, uprising, revolution, foreign enemy, insurrection, military or usurped acts
• Any act considered as a breach of law with criminal intent or intentional self-injury
• Use or the consequences of the abuse of intoxicants or hallucinogenic substances
• Cosmetic, re-shaping, aesthetic treatments, and surgeries
• Hearing aids, spectacles or contact lenses including optometric therapy
• Psychiatric or psychological disorders, mental disorders

When purchasing health insurance policy, it is recommended to go through all the inclusions and exclusions of each policy and subsequently comparing them with each other will help make the decision-making process more clear.

Aditya Birla Health Insurance – Claim Process

Aditya Birla medical insurance can be claimed for availing either cashless or reimbursement claim benefits.

Cashless Claim

Following are the steps to register a cashless claim with Aditya Birla Health Insurance:

Step 1: Approach a network hospital from the list of network hospital available on the website. Or you can get the list on the policy document.

Step 2: At the helpdesk, show patient’s Aditya Birla Health Insurance cashless card or furnish the policy number. A valid photo ID proof is also required for identification.

Step 3: The next step is filling the cashless hospitalisation request form. The hospital network shall forward it to the company. In case of emergency hospitalisation, the request form needs to be submitted within 48 hours from the time of hospitalisation. In cases of planned hospitalisation, the request form needs to be submitted 3 days before hospitalisation. 

Step 4: The policyholder shall be notified about the cashless claim within 2 hours, if the request is received within usual business hours.

Step 5: After completion of all the formalities, the company shall process your claim. You can also check your claim status online.

Reimbursement Claim

Following are the steps to raise Reimbursement Claim with Aditya Birla Health Insurance:

Step1: After getting admitted, pay the hospital bills by own and register a claim later.

Step2: Notify the insurance provider about the hospitalization.

In case of emergency hospitalisation, the request form needs to be submitted within 48 hours from the time of hospitalisation.

In cases of planned hospitalisation, the request form needs to be submitted 3 days before hospitalisation. 

Step 3: You are required to collect the relevant documents in original form from the hospital and submit it to the company within 15 days of discharge from the hospital.

Step 4: Once the documents are submitted, the company will process your claim with respect to its terms and conditions.

Step 5:  Birla Health Insurance Company shall reimburse the approved amount to your registered bank account through NEFT. If your reimbursement request is rejected, you will be notified about the same by the company along with the reasons for the same via e-mail and SMS.

Aditya Birla Health Insurance – Renewal Process

The following are the steps to renew your Aditya Birla Health Insurance policy online:

• Step1: Visit the official website of Aditya Birla Health Insurance Co. Ltd.
• Step2: Click on the ‘Renew’ button and then select the ‘Quick Renew’ option.
• Step3: Fill the required details as asked on the ‘Quick Renew’ page and click on proceed.
• Step4: Make the relevant payment for your health insurance policy renewal.

Once the payment is made, a confirmation will be generated and emailed to you, intimating about the successful renewal of the policy.

Alternatively, the policyholder may visit the nearest Aditya Birla Capital Branch with hard copies of the necessary document and have their insurance policy renewed at the branch with the help of one of the agents. 

Aditya Birla Health Insurance – Steps to Buy

Steps to buy Aditya Birla Health Insurance policy online:

• Step1: Visit the official website of Aditya Birla Health Insurance Co. Ltd.
• Step2: Select the type of plan you wish to buy and fill the required details correctly.
• Step3: After you have selected the policy type and have filled the information, proceed to attach the necessary documents by scanning them and uploading them as images.
• Step 4: The final step is making the payment. Pay your premium amount through the online payment portals available on the website.
• Once the payment is made, your Aditya Birla Health Insurance policy will be emailed to you.

Aditya Birla Health Insurance – Documents Required

• Age proof – For e.g. Birth Certificate, Passport, etc.
• Address proof – For e.g. Telephone Bill, Electricity Bill, Bank Statement, etc.
• Income Proof (if any) – For e.g. ITR form 16 (Not more than 3 years old) or Salary slip
• Identity Proof – For e.g. PAN, Voter Card, Driving License, etc.
• A recent passport-sized colour photograph
• In some cases, the company may also require a medical check-up report

For online purchase of Aditya Birla Health Insurance policies, the above-mentioned documents must be scanned and uploaded. These scanned documents must then be submitted with the insurance application form on the online forum.

Aditya Birla Health Insurance – FAQs