About Aditya Birla Health Insurance Co. Ltd.
Aditya Birla Capital, one of the most trusted brands in the insurance sectors, brings you holistic health insurance plans, protecting your finances from an exhaustive list of health issues that could put a dent in your pocket. Aditya Birla health plans ensure that you do not have to bear the burden of your healthcare bills in otherwise stressful times.
The renowned Aditya Birla Group forms a sturdy background to Aditya Birla Insurance Helath Insurance Co. Ltd.
The policyholder of these health plans gets an insurance against a variety of basic health ailments, personal accidents, critical diseases, cancer, while also granting daily cash allowances during hospitalization. This provider ensures your financial health is secure while you focus on your physical health. You are shielded from any financial dependency that arises in such times of grave requirement.
The health insurance products offered by Aditya Birla Helath Insurance are as under:
- Aditya Birla Activ Health Enhanced
- Aditya Birla Activ Health Essential
- Aditya Birla Activ Secure - Personal Accident Plan
- Aditya Birla Activ Secure - Critical Illness
- Aditya Birla Activ Secure - Hospital Cash
- Aditya Birla Activ Secure – Cancer
- Aditya Birla Group Activ Health
- Group Activ Secure
Let’s take a closer look at the Aditya Birla health insurance plans and their benefits.
Aditya Birla Activ Health Enhanced
- Entry Age: Min: 91 days; Max: N/A
- Policy Term: 1-3 years
- Sum Assured: Rs. 2 lakhs - 2 crores
Other benefits:
- Ambulance Cover: Up to Rs. 5000/hospitalisation
- Bonus: 20% increase in sum assured for every claim-free year
- Recovery Benefit: 1% of the sum assured
Aditya Birla Activ Health Essential
- Entry Age: Min: 91 days; Max: N/A
- Policy Term: 1-3 years
- Sum Assured: Rs. 50,000 - 10 lakhs
Other benefits:
- Ambulance Cover: Up to Rs. 2000/hospitalization
- Bonus: 10% increase in sum assured for every claim-free year
- Recovery Benefit: N/A
Aditya Birla Activ Secure - Personal Accident Plan
- Entry Age: Min: 5 years; Max: 65 years
- Policy Term: 1-3 years
- Sum Assured: 12 times the annual gross income
Other benefits:
- Ambulance Cover: Up to Rs. 10,000
- Bonus: 5% increase in sum assured for every claim-free year
- Recovery Benefit: 100% sum recovery in case of accidental death or permanent partial/total disablement.
Aditya Birla Activ Secure - Critical Illness
- Entry Age: Min: 1-5 years (Plan 1), 2-5 years (Plan 2), 3-18 years (Plan 3); Max: 65
- Policy Term: 1-3 years
- Sum Assured: Rs. 1 lakh - 1 crore
Other benefits:
- Every plan offers financial protection to the insured against hospitalization charges for the first diagnosis, the cost of a second opinion, and wellness coach services in any Aditya Birla network hospital.
- If more than one critical illness is diagnosed, the insured gets 150% of the sum assured.
Aditya Birla Activ Secure - Hospital Cash
- Entry Age: Min: 5 years; Max: 65
- Policy Term: 30 days, 45 days, or 60 days in a year.
- Sum Assured: Rs. 500 - 10,000/day
Other benefits:
- Double Benefit Cover: Can be availed for the time spent in the ICU even if unexpected.
- Convalescence Benefit: If the insured is hospitalized for over 7 days and all the claims have been paid, they can get an additional lump sum.
Aditya Birla Activ Secure - Cancer
- Entry Age: Min: 18 years; Max: N/A
- Survival Clause: Insured can make a claim after surviving for the first 7 days after diagnosis
- Sum Assured: Rs. 1 lakh - 1 crore
Other benefits:
- Cumulative Bonus: 10% for every claim-free year until 100% of the payout
- Payouts based on the different stages. 50% payout at early stages and 100% payout at later stages (even if the early-stage payout is claimed).
Aditya Birla Group Activ Health
- Entry Age: Min: 18 years; Max: 65
- Survival Clause: Insured can make a claim after surviving for the first 7 days after diagnosis
- Cancer Cover: Rs. 50,000 - 2 crore
Other benefits:
- Employee-specific insurance that covers more than 520 days of hospitalization
- Includes OPD charges, counselling charges, reconstructive surgery, palliative care, second opinion charges, genetic testing etc.
Aditya Birla Group Activ Secure
- Entry Age: Min: 18 years; Max: 65
- Survival Clause: Insured can make a claim after surviving for the first 7 days after diagnosis
- Cancer Cover: Rs. 50,000 - 2 crore
Other benefits:
- Aditya Birla group health insurance provides critical illness cover and personal accident cover (100% payout)
- Hospital cash cover for illnesses or injuries
The Benefits Offered by Aditya Birla Health Insurance Company Limited
The stellar Aditya Birla health insurance reviews are proof of the several benefits offered when you choose them. The benefits include:
- When sum insured gets exhausted, Aditya Birla health insurance has committed to reload the sum insured amount by another 150%. Aditya Birla’s health insurance renewal procedure is, therefore, very desirable.
- The company covers you for 586 listed daycare processes even if hospitalization is less than a 24 hour period.
- The company provides domestic and international emergency assistance facilities while encompassing Air Ambulance assistance.
- Aditya Birla Capital Health Insurance takes care of the insured’s lab tests, doctor’s appointments and consultations. It aims to give you the most hassle-free health insurance experience.
- By insuring with Aditya Birla Health, you can earn up to 30% of your premium as Health Returns™.
- The Aditya Birla health insurance review process involves your Health Dashboard, available on the app, tracking your health and giving you goals, so you stay safe, active and get the benefits of claim-free years.
- Aditya Birla’s health insurance customer care number is always available to answer your queries.
- The insurance company also provides comprehensive discounts on premiums.
- You can use the Aditya Birla health insurance premium calculator to estimate how much your insurance will cost you accurately. Additionally, Aditya Birla’s health insurance premium chart is also beneficial in this regard.
Aditya Birla’s Claim Settlement Ratio
In 2017-2018, Aditya Birla Health Insurance claim settlement ratio was 89.05%. This high settlement rate implies that you have a higher likelihood of getting a payout when you choose Aditya Birla.
Types of Aditya Birla Insurance Claim Forms
The Aditya Birla mediclaim policy offers both kinds of settlement forms: reimbursement and cashless. The latter only works for network hospitals.
Reimbursement Claim Settlement
You may encounter an emergency and the nearest hospital may not be a Birla hospital. A cashless cover is not possible. In this case, the reimbursement process needs to be followed by approaching the Aditya Birla health insurance office. The documents you need for this are:
- Claim Form
- Health Card
- KYC Documents
- Consultation Papers
- Discharge Summary
- Original Payment Receipt with Invoice
- Hospital Bills
Aditya Birla will take the appropriate action after reviewing the claim. If approved, the amount will be transferred to your bank account through NEFT.
Cashless Claim Settlement
When you go to an Aditya Birla health insurance network hospital, you need to take quick action. Depending on your insurance type, the amount of time you have to make your claim differs.
- Inform Aditya Birla of your admission at the earliest
- Check if your hospital is on the Aditya Birla hospital list. Show the hospital your Aditya Birla cashless card and some ID proof like a passport, PAN card or Aadhar card
- Upon approving this, the hospital will send Aditya Birla a cashless hospitalization request. The hospital does this within 3 days for planned cases and 48 hours for emergency cases.
- After reviewing the claim, Aditya Birla will intimate you on their decision and, if validated, the payment will be transferred to the hospital.
Aditya Birla Health Insurance Renewal Procedure
- Visit cover360.in and go to our renewal page
- Enter the details asked
- You will be taken to the Birla Health Insurance website (not to be confused with adityabirla.com) to complete the process
- Go to Aditya Birla health insurance login page and log in to make the payment
- Make your premium payment and complete the Aditya Birla insurance renewal procedure. Your receipt will be emailed to you.
For all the queries related to health insurance or Aditya Birla health plans, please contact us, and we will be happy to help!
