Aditya Birla Capital Health Insurance

Regardless of age, every individual must pay attention to their health and hence, it’s a wise decision to invest in health insurance plans. Aditya Birla Capital, one of the most trusted names in the insurance space, offers comprehensive health insurance plans that cover you against a variety of health issues so that you don’t have to break a sweat in the times of need.

The company has robust background of Aditya Birla Group

The company covers the insured against basic health diseases, personal accidents, critical illness, cancer and provides daily cash benefits in case of hospitalisation. Hence, all you need to focus on is your well-being and let the insurance provider take care of monetary aspects.

Interesting Facts About Aditya Birla Health Insurance

  • 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.

Features & Benefits of Aditya Birla Health Insurance

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.

Claim Settlement Ratio - The incurred claim settlement ratio of Aditya Birla health insurance for F.Y. 2017 - 18 is 89.05%.

Reasons to Opt for Aditya Birla Health Insurance

  • 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

Product Portfolio of Aditya Birla Health Insurance

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.

Activ Health Enhanced

Features

  • Choice of hospital room category. Offers flexibility of opting for an optional benefit regarding hospital room
  • Offers a sum insured of up to Rs. 2 crores
  • Rewards in form of health returns
  • Day 1 cover for certain chronic illnesses like high cholesterol, diabetes, hyper tension, asthma, etc.
  • Worldwide emergency connect to keep you safe when travelling
  • Reload of sum assured for unrelated illness in case of insufficient funds due to claim
  • Premium rates are determined by the location of residence of the policy applicant

Activ Health Essential

Features

  • Choice of hospital room category. Offers policyholders the convenience of selecting hospital room as per their preference
  • Offers sum insured till a maximum of Rs. 10 lakhs
  • Includes rewards in the form of health returns
  • Day 1 cover for chronic disease like diabetes, hyper tension, high cholesterol and asthma
  • Optional add-ons for enhanced protection
  • Offers flexible policy tenure of 1, 2, or 3 years to policy applicants
  • This plan is designed for family as well as group health insurance needs

Activ Personal Accident

Features

  • Cover for death due to an accident, partial and permanent disability
  • Modification benefit for residence and vehicle following disablement
  • Education and orphan benefit for dependent children
  • Complete protection against loans and EMI
  • NO claim bonus of 5% for every claim free year
  • Option of wellness coach service to maintain healthy lifestyle

Activ Critical Illness

Features

  • Offers policyholders the flexibility of opting for one of the three coverages for 20, 50 or 64 critical illnesses
  • Low survival period of 15 days following the first diagnosis of critical illness
  • Early stage and major stage different payout options
  • Payout of 150% for more than one critical illness in our most comprehensive plan
  • Tax benefits applicable under Section 80D of the Income Tax Act, 1961
  • Option of wellness coach service to maintain healthy lifestyle

Activ Hospital Cash

Features

  • Includes daily cash benefit (DCB) ranging from Rs. 500 to Rs. 10,000
  • 30/45/60 days choice option for DCB benefit
  • Double benefit cover for admission in an ICU or hospitalisation due to road traffic accident
  • Parental benefit cover applicable when an individual of or below 12 years is admitted for more than 72 hours
  • Wellness coach benefit optional cover. Offers double benefit coverage for hospitalization

Activ Cancer Secure

Features

  • Covers available for early, major and advanced stages of the illness
  • Up to 150% payout on detection of advance stage
  • Low survival period of 7 days on first diagnosis of cancer
  • Cumulative bonus increasing protection every year
  • Tax benefit
  • Policyholders are eligible for 150% payout on diagnosis of advanced stage of cancer
  • Offers the flexibility of enhancing cumulative bonus

Other products offered under Health Insurance Category

  • Group Activ Health
  • Group Activ Secure

Claim Process of Aditya Birla Health Insurance

Cashless Claim Process

  • To avail cashless facility approach network hospital. The list of network hospital can be found on the website
  • 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
  • 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.
  • 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.
  • The claim settlement will be done as per the policy terms and conditions with the hospital on completion of the formalities.

Reimbursement Claim Process

  • 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.
  • Collect all relevant original documents from the hospital and submit them to us within 15 days of discharge from the hospital.
  • 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 status can be checked on their website by login into the portal with username/ member ID and password provided.

Documents Required During Claim Settlement

The documents required during claim settlement are:

Claim Form

Certificate from the physician with details of diagnosis

Medical bills as a proof for medical expenses

Certificate of death, if relevant

Other bills as asked by Aditya Birla Health Insurance

Documents Required Before Buying Aditya Birla Health Insurance

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

Aditya Birla Health Insurance Renewal Process

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

Review of Aditya Birla Health Insurance

Aditya Birla Health Insurance Co. Ltd has come up with smart health insurance plan with innovative features and services. The plans offer comprehensive coverage and are easy to understand. The plans are great for people who are digital savvy and like the new age digital platform services.

Contact Details of Aditya Birla Health Insurance

Aditya Birla Health Insurance Co. Ltd.

13th Floor, R Tech Park,

Off Western Express Highway

Goregaon East, Mumbai

Maharashtra 400 063

Aditya Birla Health Insurance Customer Care Tollfree No – 1800 270 7000

FAQs on 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:

  • Eligibility for 150% payout on diagnosis of advanced stage of cancer
  • Covers available for early, major and advanced stages of the ailment
  • Offers the option for enhancing cumulative bonus
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