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Excellent product and services
08 Sep 2020
Aditya Birla Health Insurance is a renowned insurance provider that focuses on the well-being and health of individuals. With a strong commitment to customer satisfaction, they offer various insurance plans designed to cater to diverse needs. Their policies provide comprehensive coverage for medical expenses, hospitalisation, surgeries, and other healthcare services.
Aditya Birla Health Insurance aims to promote a healthier lifestyle through its wellness programs and initiatives. They prioritise customer convenience by ensuring hassle-free claim settlements and providing a user-friendly digital platform for policy management.
Aditya Birla Health Insurance is one of the most sought-after health insurance companies and it offers several standout features in its plans and policies that set it apart:
Aditya Birla Health Insurance offers a vast range of health plans for family and, individuals including:
Aditya Birla Health Insurance plans offer several key features and benefits to policyholders. Here are some of them:
Aditya Birla Health Insurance (ABHI) offers a variety of health insurance plans with features such as:
HealthReturns is a policy that values your commitment to maintaining a healthy lifestyle by rewarding you with HealthReturns. You can earn these rewards by following a few simple steps:
Complete a health assessment to receive your Healthy Heart Score, which indicates your overall cardiovascular health.
Engage in regular exercise to earn Activ Days, which helps you accumulate HealthReturns.
You can earn HealthReturns every month based on your accumulated Activ Days and Healthy Heart Score.
With Binge Refill, you no longer have to worry about exhausting your insurance coverage.
If your Sum Insured, along with accumulated No Claim Bonus or Super No Claim Bonus, falls short of covering a claim, you get an offer of a complete refill of the total sum insured that can be utilised an unlimited number of times for any illness or injury.
This exclusive discount is available to customers who are 18 years and above and have successfully undergone a Health Risk Assessment at the time of obtaining their first policy.
When you buy Aditya Birla Health Insurance Policy Online you are a step towards assessing your health, and you will receive a 10% discount upfront.
Early Bird Discount is specifically designed to reward individuals who choose to secure their insurance coverage at a younger age.
To be eligible for this discount, the insured person needs to be below 35 years of age when they first enrol in a policy. Here's how the discount works.
From the 4th policy year to the 7th policy year, a 5% discount will be applied. Starting from the 8th policy year onwards, a 10% discount will be granted.
Hospital Cash Benefit: Provides a daily cash allowance for each day of hospitalisation.
Critical Illness Cover: Offers coverage for specified critical illnesses, providing a lump sum amount on diagnosis.
Maternity Benefit: Covers maternity expenses including pre and post-natal care, delivery, and newborn expenses.
Personal Accident Cover: Provides financial protection in case of accidental injuries or death.
OPD (Out-Patient Department) Coverage: Covers expenses for doctor consultations, diagnostic tests, and medication without hospitalisation.
Wellness Programs: Offers access to wellness services such as health check-ups, fitness programs, and nutrition guidance.
Second Opinion: Provides an option to seek a second opinion from a panel of medical experts.
Ambulance Cover: Covers the costs of ambulance services during medical emergencies.
No-Claim Bonus: Offers a bonus for each claim-free policy year, resulting in increased coverage or premium discounts.
Additional Sum Insured: Allows augmentation of the base sum insured for enhanced coverage.
Room Upgrade: Provides the flexibility to upgrade to a higher category room during hospitalisation.
Cashless Network Hospitals: Offers access to a network of hospitals where cashless treatment can be availed.
Restore Benefit: Restores the sum insured in case it gets exhausted during the policy term.
Domiciliary Hospitalisation Cover: Covers medical expenses incurred at home for specific illnesses.
Accidental Death Benefit: Provides an additional payout in case of accidental death.
Here are the steps to follow to buy Aditya Birla Health Insurance Policy online
Select:
Choose the specific Aditya Birla Health Insurance Plan that you wish to buy and click on the “Buy Now” tab
Add all details and choose the plan options, riders, etc.
Make payment online.
The policy document will be shared with you in your registered email ID.
To register with Aditya Birla Health Insurance, you will need to provide the following documents
OTP verification or a copy of the proposal form
Identity, age and address proof
Medical reports, if needed.
Your 12-digit member ID can be found in your welcome email, policy kit, or E-card.
To renew your Aditya Birla Health Insurance Plan, you need to log in with your policy credentials and contact details and make an online payment and the policy document will be emailed to your registered email address.
The documents required to renew Aditya Birla Health Insurance include
A filled-out and signed Policy Renewal Form.
Identification proof such as a passport, voter ID, or Aadhaar card, if needed.
Online payment details to renew the plan.
Listed below are the processes to claim Aditya Birla Health Insurance Plans.
In case you get admitted into any of the network hospitals, you can apply for a cashless claim. In this, the process is fairly simple, wherein you need to provide the following documents at the time of admission:
The hospital would handle the rest of the process and documentation and you would receive the final bill at the time of discharge. You would have to pay only the amount that the insurer does not approve to take the patient home. The insurer would pay directly to the hospital to settle the claim.
In case of admission to a non-network hospital, you would have to pay for the entire expense from your own pocket and then claim a reimbursement of the same. Here is the process for filing a reimbursement claim:
After discharge, the actual claim needs to be processed.
Here is a checklist of documents required to initiate a claim of Aditya health health insurance plan:
Duly filled and signed claim form.
KYC documents of the policyholder.
Doctor’s advice for hospitalisation.
For reimbursement claim, the additional documents are:
Original bills and receipts for medical expenses along with prescriptions.
Investigation report related to the medical condition.
Discharge summary or discharge card issued by the hospital.
Policyholder’s bank account details with a cancelled cheque.
In case of an accident, the FIR (First Information Report) or Medico-Legal Certificate may be required.
Listed below on what is covered under Aditya Birla Health Insurance plans:
Domiciliary Hospitalisation Expenses: If your doctor advises treatment at home, Aditya Birla Health Insurance plans provide coverage for such hospitalisation expenses.
Organ Donor Expenses: Surgical expenses and medical expenses related to organ donation are covered by the insurer.
Daycare Treatments: If the insured is hospitalised for less than 24 hours, then procedures like eye surgery, dialysis, sinusitis, and more, will be covered.
In-patient Hospitalisation Expenses: With Aditya Birla Health Insurance plans, hospitalisation expenses for admission of more than 24 hours will be covered. This includes nursing, boarding, room rent, and other fees.
Listed below on what is not covered under Aditya Birla Health Insurance.
Insurance does not typically cover cosmetic surgeries such as dental surgery, botox fillers, and other cosmetic procedures.
Treatment expenses related to diseases such as Venereal or STDs are usually not covered by insurance.
Insurance policies generally do not cover injuries caused by self-infliction, such as suicide attempts.
Injuries resulting from war, riots, nuclear threats, or strikes are usually not covered by insurance policies.
Participation in hazardous activities like paragliding, mountain climbing, and skydiving may not be covered by Aditya Birla Health Insurance policies in case of injuries.
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Your health insurance policy is valid for the duration you have chosen and is mentioned in the policy schedule. Policy duration is available for 1, 2 or 3 years.
There is a waiting period for 24 months to avail maternity benefit cover.
To check your Aditya Birla claim status, visit their website, use their mobile app, or call their customer service. You'll need your policy or claim number.
Claims are settled within 7 working days of the receipt of last necessary document and not later than 30 days.
Yes, there are Aditya Birla health insurance plans like Active Health that offer maternity cover. The benefits of this cover include treatments for the mother and the baby, related expenses incurred, vaccination, etc.
Activ Cancer Secure from Aditya Birla health insurance is especially designed to offer financial benefits to policyholders on being diagnosed with cancer. Its salient features and benefits are:
Here's a step-by-step guide on how to download your Aditya Birla health insurance policy using your policy number:
Yes, Aditya Birla Sun Life Insurance is generally considered a safe and reliable insurance company. It's a joint venture between the Aditya Birla Group and Sun Life Financial, a Canadian financial services company.
Aditya Birla Capital Health Insurance has a high claim settlement ratio, which is generally considered a positive indicator of their reliability and customer satisfaction. While the exact figure can fluctuate slightly from year to year, it typically falls within the range of 90-95%.