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Importance of Buying an Aditya Birla Health Insurance Policy

Health insurance policies have become a necessity. With medical care getting expensive and global pandemics affecting the whole world, everyone is now feeling the need for one. According to a survey in 2015, only 216.2 million people purchased a health insurance policy. However, in three years, this number almost doubled when the number of purchasers increased to become about 482 million. This leads us to a fundamental question. Why have people started to buy more health insurance policies?

The answer is simple. Medical expenses cost a fortune. It is challenging for a common man to spend lakhs of rupees over a small operation. It helps avoid stress, too, as medical emergency expenses can be avoided by paying a minimal premium. Also, the Government of India offers tax benefits under section 80D of the Income Tax Act, 1961. All of these reasons have become instrumental in the boom of health insurance policy sales in the country over the last three years.

Understanding your health insurance policy and choosing a good one is equally important. Many people do not know about many things that are covered and excluded leading to claim rejection. That is why it is always a good practice to read and understand policy-related documents very carefully.

Aditya Birla's health insurance policy makes it very easy for people who have little or no knowledge about how health insurance policies work. They offer various beneficial services at the same price, compared to its competitors.

Why Choose Aditya Birla Health Insurance?

Aditya Birla Health Insurance provides services for a lot of diverse medical needs of a person. They have numerous policies for everyone, be it a single person, or a family, or even a group of more than 50 people. Aditya Birla Health Insurance has it all.

To make you understand clearly the difference between Aditya Birla Health Insurance and other insurers, we have explained here the general terms related to a health insurance policy. This will help you in choosing a better plan for yourself, and you will get to know why Aditya Birla Health Insurance is the best option available.

Health Insurance Policy

The contract or a legal document between the insurer and the policyholder, which outlines the terms and conditions of the insurance, is known as a health insurance policy. Aditya Birla Health Insurance lets their customer buy policies online. Thus, there is no time wasted, and the process requires minimum documentation.


This is the amount you agree to pay to the insurer to purchase a policy. Aditya Birla Health Insurance lets you pay premium online, which reduces the hassles of physically visiting the branch.


A request made by the insured for payment by the insurance company to cover medical expenses. An online claim can be made if you are an Aditya Birla Health Insurance policyholder. This speeds up the dispatch of funds and can be instrumental in saving the lives of your loved ones.


The amount of money and the services an insurance company has promised to pay you is called benefits. You get a lot of benefits if you choose Aditya Birla Health Insurance over other insurance companies.

Pre-Existing Conditions

A medical condition that has been diagnosed and for which treatment has been taken before the purchase of an insurance policy. Aditya Birla provides health insurance for pre-existing conditions too once the waiting period is completed. They have a variety of plans and premiums.

Waiting Period

The amount of time an insurance company makes its policyholders wait before they can claim their health insurance is known as the waiting period. Aditya Birla Health Insurance has day one cover for chronic diseases like cancer, diabetes, high cholesterol, asthma, etc.

Other Benefits of Aditya Birla Health Insurance Policies

Now that you know the basic terminologies related to insurance policies let us tell you how Aditya Birla Health Insurance is the best option available in the market.

  • They ensure the policyholder for a large sum which can go up to 2 crores. This means that if a person can get up to 2 crores towards his medical expenses.
  • The choice of hospital room category is provided. A person can choose a single room or a room on a shared basis in a hospital, totally based on his or her choices.
  • They provide the policyholder with rewards in the form of healthy returns to stay fit and healthy. This means you will be rewarded if you do not claim your health insurance policy over the entire policy duration.
  • Even if you plan to travel to another country for your medical care, they will be there for you. They provide worldwide emergency services to keep you safe when you travel.
  • Aditya Birla Health Insurance provides hospital cash to protect you from unplanned expenses during hospitalization.
  • They also offer several plans for chronic diseases such as cancer. A very low survival period requirement of 7 days is required, following the first diagnosis of cancer.
  • They also provide group insurance policies so that a whole organization and employees working under that organization can benefit from a single health insurance policy.
  • Policyholders can avail of cashless policies with Aditya Birla Health Insurance, due to which you don't have to worry about arranging cash during emergencies.

In Closing

Aditya Birla Health Insurance has a massive variety of services to offer. They cover pre-hospitalization funds such as ambulance as well as pre and post-hospitalization funds for medicines and other requirements. They give you the option to consult a doctor over a phone call, ask a diet specialist for tips, or even talk with a psychiatrist. Aditya Birla Health Insurance works closely with the biggest chains of hospitals, health providers, and wellness centres to bring you the best services for a fraction of the money you spent. For these reasons, Aditya Birla is one of the best health insurance companies in India.

With a comprehensive guide to the health insurance policies offered by Aditya Birla, you can make the right decision based on your specific needs. To know more about the services offered by Aditya Birla Health Insurance, consult your financial advisor.

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