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Excellent product and services
08 Sep 2020
Read all about Aditya Birla health insurance online on Coverfox. Aditya Birla Health Insurance Company is a leading provider of health insurance services through a wide range of comprehensive health insurance plans. Buy health insurance plans and fulfill all your health insurance needs that, too, at affordable premiums.
The company has robust background of Aditya Birla Group
Aditya Birla Health Insurance offers various forms of comprehensive indemnity plans, fixed benefit plans, critical illness plans. You can enjoy a variety of health-related services like cashless treatment and hospitalization, daycare treatments, AYUSH cover, In-patient hospitalization, pre and post hospitalization, and more. Aditya Birla Health Insurance has also launched a wellness & rewards program for its customers' benefit, an effortless way of tracking your health. Also, when you achieve set health targets, you receive further benefits and discounts.
| No. of Branches | 59 |
| Network Hospitals | 6,000+ |
| Customer Care Toll Free No | 1800-4200-269 | No. of Policy Advisor | 18,500+ |
| Incurred Claim Ratio | 59% |
Aditya Birla Health Insurance is one of the biggest health insurance companies in India
Result of a joint collaboration between Aditya Birla Capital Ltd., which holds 51% stake, and South Africa-based MMI Holdings that owns the remaining stake
Aditya Birla Capital Ltd. is a wing of the Aditya Birla Group, founded in 1857, a name to reckon with in the country
Aditya Birla Group is a multinational business house that boasts of being worth US$ 44.3 billion
It has made it to the list of Fortune 500 companies
The company focus is in offering contemporary technology like digitally integrated, incentivised wellness programs which will help their customers choose healthier lifestyle.
The partnership comes with long history of conducting successful businesses.
Health Insurance Products
Aditya Birla Health Insurance Co. Ltd offers smart health plans which are designed to give you efficient service and also maintain a healthy lifestyle through wellness coach service. Wide range of insurance products are offered by Aditya Birla health insurance online to complete the need of individual to family. Following are the mediclaim policies offered by Aditya Birla.
Aditya Birla Activ Health Enhanced
Features
Aditya Birla Activ Health Essential
Features
Aditya Birla Activ Secure - Personal Accident Plan
Features
Aditya Birla Activ Secure - Critical Illness
Features
Aditya Birla Activ Secure - Hospital Cash
Features
Aditya Birla Activ Secure - Cancer
Features
Other products offered under Health Insurance Category
Group Activ Secure
High sum assured – A sum assured on Aditya Birla health insurance plans, varying from Rs.10 lakhs to a maximum of Rs.2 crore, is one of the highest among its competitors.
Reload of Sum Assured – Aditya Birla health insurance policyholders can reload their entire pre-determined sum assured for a specific illness, irrespective of other claims made during the same policy term.
Longer Policy Tenure – Aditya Birla health insurance policies offer comparatively longer plan terms varying between 1 year and 3 years, eliminating the hassle of having to renew your policy every year.
24-hour Hospitalization Clause not Applicable – Some Aditya Birla health insurance policies offer coverages even for specific illnesses for which treatments and surgeries do not require hospitalization exceeding 24 hours, unlike plans from most other insurers.
Flexibility to Select Hospital Room – This features makes Aditya Birla health insurance policyholders eligible for getting reimbursements during claim settlement for selecting a hospital room that was priced lower than what he/she can avail as per policy terms.
Cover for Pre and Post Hospitalization Expenditures – Aditya Birla health insurance policies financially secure policyholders by covering pre as well as post hospitalization charges, for a certain period of time before and after hospitalization.
Additional Coverages – Expenditures incurred towards in-patient treatments like ICU charges, surgery charges, hospital room rent, doctors’ consultation fees, prescribed medications, etc. are covered by Aditya Birla health insurance plans.
Convenience to opt for domiciliary hospitalization – The domiciliary hospitalization benefit offers policyholders of most Aditya Birla health insurance plans the convenience of opting for medical treatments at their own residence as a result of medical reasons.
Recovery Benefit – Some plans from Aditya Birla health insurance offers Recovery Benefit as well.
Additional Services – Specialized services offered are Chronic Management Program designed for chronic illnesses, Wellness Coach, Health Returns rewards, etc.
Cumulative Bonus – Cumulative Bonus varying between 10% and 20%, depending on the Aditya Birla health insurance plan chosen, is offered on every no-claim policy year.
Free Health Check-up – Free annual check-ups can be availed by any policyholder above the age of 18 years.
Tax Benefits – Tax deductions are applicable as per Section 80D of the Income Tax Act, 1961.
Incurred Claim Settlement Ratio - The incurred claim settlement ratio of Aditya Birla health insurance for F.Y. 2018 - 19 is 59%.
The credibility and reliability of being a product of the Aditya Birla Group
Most plans from Aditya Birla Health Insurance includes the Floater benefit
An extensive range of plans designed to cater to varied health insurance needs
Attractive benefits like Health Returns, Wellness Coaching, etc.
Includes a range of add-on covers that enable policyholders to enhance the effectiveness of their health insurance policy
Attractive bonuses at the end of the policy term
Cashless Claim Process - Network Hospitals
Claim Assistance: Show cashless card or provide policy number at the cashless help desk. You will also require to show ID card like passport, pan card or voters ID card
Claim Intimation: You will need to fill cashless hospitalization request form. To speed up the process you can fill the form which is available on the website. In the case of emergency hospitalisation the form need to be filled and submitted within 48 hours of the hospitalization. For pre-planned hospitalisation the form needs to be submitted at least 3 days before the hospitalisation.
Claim Processing: A decision on the cashless hospitalisation will be made within 2 hours (when request is received within usual business hours) and will be notified to the policyholder. To avail cashless facility approach network hospital. The list of network hospital can be found on the website
Claim Settelment: The claim settlement will be done as per the policy terms and conditions with the hospital on completion of the formalities.
Reimbursement Claim Process - Non Network Hospitals
Claim Assistance: Notify the insurance company on 1800-103-1033 or via email customercare.abh@adityabirla.com of your admission in hospital, if emergency case then within 48 hours of hospitalisation and if pre-planned at least 3 days before hospitalisation.
Claim Intimation: Collect all relevant original documents from the hospital and submit them to us within 15 days of discharge from the hospital.
Claim Processing: You can submit the documents via post or log in to the portal and upload the original documents. After submission of documents, the claim will be processed as per the terms and conditions.
Claim Settelment: Claim status can be checked on their website by login into the portal with username/ member ID and password provided.
Proof of Age: Acceptable documents are Birth Certificate, PAN Card, Voter’s ID, Driving License, Passport, School or College Certificate, etc.
Photo Identity Proof: Aadhaar Card, PAN Card, Driving License, Passport, Voter’s ID, etc.
Proof of Address: Acceptable documents are Ration Card, Telephone Bill, Electricity Bill, Passport, Voter’s ID, Bank A/C Statement, etc.
Proof of Income: Salary Slip, Employer’s Certificate, Form 16, etc.
Medical Check-up: If asked by the insurance company
Passport size photograph
It is essential for Aditya Birla health insurance policyholders to renew their policies before its expiry date. The quickest and easiest way to renew your policy is through the online method.
Here are the simple steps for you to renew your Aditya Birla health insurance policy:
Visit the official website of Aditya Birla Health Insurance Co. Ltd.
Select the ‘Renew’ button and then click on ‘Quick Renew’ to initiate the online renewal process for Aditya Birla Health Insurance policy
Fill up the form accurately with required personal details and your Aditya Birla health insurance policy
Select the ‘Renew Now’ button to proceed with online payments
A confirmation message will be generated and emailed to you, notifying you about the successful completion of the renewal process for your Aditya Birla health insurance
What is the validity of my health insurance policy?
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.
What is the waiting period for maternity benefit cover?
There is a waiting period for 24 months to avail maternity benefit cover.
What is Portability in Health Insurance?
Portability allows you to switch from one insurer to another without making you lose the waiting period year benefit accumulated on your existing health insurance policy.
What is the time line for claim settlement?
Claims are settled within 7 working days of the receipt of last necessary document and not later than 30 days.
Is there any plan that offers maternity cover? If yes, please explain a little about the plans?
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.
Is there any Aditya Birla health insurance plan that offers cover for cancer? If yes, please explain a little about the plans?
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:
