Jay
Am not eligible for 1cr cover somehow.
02 Apr
- Insurance
- About Coverfox
- Claims
Aditya Birla Health Insurance Company is a leading provider of health insurance services through a wide range of comprehensive health insurance plans. Buy customized 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.
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%.
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.
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Other products offered under Health Insurance Category
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:
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.
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:
