Health Insurance 7382 views November 7, 2019

Aditya Birla Health Insurance

About Aditya Birla Health Insurance Company

NameAditya Birla Health Insurance Co. Ltd.
CEOMayank Bathwal
FoundedOctober 2016
HeadquartersMumbai
OwnerJoint Venture between Aditya Birla Capital Limited (ABCL)- 51%

and MMI Strategic Investments (Pty)- 49%
Serving CountryIndia
ProductsHealth Insurance including chronic care and incentivized wellness
Total No of Employees17000 +

Aditya Birla Health Insurance Company offers a wide range of cost-efficient health insurance products that help cover customers against numerous diseases or conditions. This apart, the company has an excellent claim settlement record, customer support and online convenience. These factors make the Aditya Birla Health Insurance Company one of the most preferred health insurance companies in India.

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Aditya Birla Health Insurance Plans

Here are some of the top-selling health insurance plans from Aditya Birla Health Insurance Company:

Aditya Birla Activ Health Enhanced Plan

The Aditya Birla Activ Health Enhanced is a comprehensive health insurance policy that takes care of the healthcare needs of the entire family. Some of the features of this plan are:

  1. High sum insured of up to INR 2 crores to take care of all the family members when they are unwell.
  2. Very short waiting period for existing illnesses such as diabetes, asthma, hypertension, etc.
  3. Flexible options for choosing hospital rooms.
  4. Emergency healthcare support across the world.

These are some of the best features of this extensive health insurance policy that make it so popular among the customers of Aditya Birla Health Insurance Company.

Aditya Birla Activ Health Essential Plan

The next plan to be featured here is the Aditya Birla Active Health Essential. Take a look at some of the main features of this excellent health insurance cover:

  1. No limitation on the choice of hospital rooms.
  2. Sum insured available of up to INR 10 lacs.
  3. Availability of multiple riders
  4. Coverage is available for all members of a family under this family health insurance plan
  5. The plan is available as a regular 1-year policy and a multi-year policy of 2 or 3 years.

This is another good option for anyone  looking to buy a health cover.

Aditya Birla Activ Secure – Personal Accident Plan

The Aditya Birla Activ Secure personal accident plan is very useful with the following benefits:

  1. A death benefit is available if the policyholder dies in an accident. A sum insured is also available for permanent or partial disability.
  2. Education cover for orphaned kids of the policyholder.
  3.  Coverage against mortgages and loans.
  4. A no-claim bonus of 5% available for every claim-free year.

These features make the Activ Secure personal accident Plan a very handy and useful medical insurance plan to own.

Aditya Birla Activ Secure – Critical Illness Plan

The critical illness insurance cover from Aditya Birla Health is also quite popular. The features of this plan include:

  1. Insurance coverage is available for up to 64 critical illnesses.
  2. Reduced survival time of just 15 days once the illness is detected.
  3. Different volumes of payouts for the early stage of detection and the advanced stage of detection.
  4. If more than one critical ailment is detected, a payout of 150% is available.

As you can see, these features are very effective and therefore make this health cover very popular.

Aditya Birla Activ Secure – Cancer Plan

The final plan to feature here is the Aditya Birla Activ Secure – Cancer. Listed below are the main features of this health insurance policy:

  1. Different payouts for different stages of cancer detection.
  2. The reduced survival period of only a week after the detection of cancer.
  3. A cumulative bonus is added each year and this helps to increase the volume of the health cover.
  4. 150% of the sum insured is paid out if cancer detection happens in an advanced stage.

Like all of the above-mentioned health covers, the Activ Secure cancer plan is also loaded with features, making it much sought after.

Top-selling Points of Aditya Birla Health Insurance

  • 8,200+ Network Hospitals
  • Over 6 lakh claims settled so far
  • Over 11 million lives insured so far
  • Presence in 2,500+ Cities

Benefits of Aditya Birla Health Insurance Plan

Now let us explore the benefits a policyholder gets when they buy health insurance from the Aditya Birla Health Insurance Company:

  1. Keeps Your Money Safe – The biggest advantage of buying a good health insurance policy from a reliable insurer like Aditya Birla Health Insurance is the protection of your savings. The health care costs have quite literally sky-rocketed over the years. As a result, if you seek medical treatment without the assistance of a health insurance plan, you will end up losing all your savings. This is an extremely dangerous situation to be in. However, when you invest in a suitable medical insurance cover from the Aditya Birla Company, you stay protected knowing the insurance claim amount will take care of the medical bills and your savings will remain intact. Buy a health plan from Aditya Birla to get this assurance.
  2. Protects Your Health – In the absence of health insurance, many people tend to ignore their health care needs. This happens because of the fear of health costs. But if you buy a comprehensive health insurance plan a good insurance company such as the Aditya Birla Health Insurance Company, you get to keep yourself in better health. Apart from offering extensive hospitalization cover, the insurer also has provisions for domiciliary care, pre and post-hospital care, OPD consultations, diagnostic tests, annual health checks, etc. These allow you to stay fit and take care of health issues no matter how big or small they are.
  3. High Claim Payout – The Aditya Birla Health Insurance Company is a very professional and efficient insurer with respect to insurance claim payouts. When someone buys health insurance, they do so with the sole aim of getting the claim when needed. If the insurer refuses the claim at such a time, the entire purpose of buying health insurance gets defeated. This is why you need to choose a good and trusted name such as the Aditya Birla Health Insurance Company. The company has a very sound record in relation to the health insurance claim payouts. When you buy a medical insurance cover from them and pay your insurance premiums on time, you are completely assured of getting your claim settled, provided you follow the rules and guidelines.
  4. Excellent Customer Support – Another benefit offered by the Aditya Birla Health Insurance Company is customer support. The insurer has one of the best customer support teams in the industry. They have a dedicated helpline number where you can call in with all your queries. You can also write to them. executes, who are friendly and well-trained, solve your queries with proficiency and skill. You are not made to wait and answers are provided promptly. All issues are sorted quickly and this makes it very easy for you to maintain a good relationship with your health insurance provider at all times.
  5. Advanced Digital Presence – The company has a very advanced presence in the digital space. This makes it easy for anyone to buy health insurance online. Online insurance is very popular currently and very few people still buy their plans through an insurance agent. When you choose to buy a health cover from Aditya Birla Health, you can go on their website or mobile app and do so instantly. This apart, you can also pay insurance premiums, renew the health cover, use a premium calculator, add riders and do more things digitally. The website and app are available round the clock so you can finish all the tasks at your own comfort and pace.
  6. Many Awards Won – The Aditya Birla Health Company has won many awards and recognitions in the health insurance industry. It has been appreciated for its service, for its work ethics and most importantly, for the health insurance products on offer. The company has over the years won these rewards and this goes on to show just how good and beneficial an insurer they are. If you buy your health plan from the Aditya Birla Health Insurance Company, you will get a share of these benefits as well.
  7. Extensive Coverages Available – The health insurance plans from the Aditya Birla Health Insurance Company are very extensive and offer wholesome medical insurance covers to everyone. The sum insured available insurance high and can go up to a sum of Rs 2 crores. This apart, the health insurance policies are loaded with features. They are flexible as well, allowing the policyholders to customize the plans as per their requirements. Many relaxations such as no restrictions on the choice of hospital rooms are available with the Aditya Birla health insurance plans. Choose a plan from this insurer if you want comprehensive medical insurance coverage in every manner.
  8. Affordable Rates – The rates at which the Aditya Birla Health Insurance plans are available are quite affordable. One may think that the plans with such extensive covers would be expensive, but that is not the case at all. The health covers are priced moderately and this makes them very popular. Everyone from all walks of life can buy and maintain the Aditya Birla Health Insurance plans. The company has worked well to keep the rates of the health plans affordable and within the reach of all the people of this country.
  9. Multi-Year Covers – Different people have different requirements from their health insurance covers. Keeping this very important point in mind, the Aditya Birla Health Insurance has various options on the duration of the health plans. One can opt for a regular one-year health cover or opt for longer durations of two or three years. There are many advantages to both the single-year plans as well as the multi-year plans. Make a list of your requirements and see what you need. Choose the policy period accordingly and stay properly covered under a good medical insurance plan from the Aditya Birla Health Insurance Company.
  10. Many Riders are Available – The Aditya Birla Health Insurance Company understands the need for customization when it comes to health insurance. While someone may be satisfied with a basic health plan, others may need a wider scope of cover. This is why the company offers many add-on covers, also known as the health insurance riders. Riders allow you to extend your health insurance coverage. The riders are available at an added insurance premium. There are many riders, but not every single one may be of use to you. Understand the riders and then choose the most suitable ones to get the highest value out of your Aditya Birla Health insurance policy.
  11. Easy Documentation – The documentation process is simple and quite hassle-free. This makes it easy for anyone to first, get the policy and second, file a claim. The Aditya Birla Health Insurance Company has purposely kept all work related to documents very simple to help their customers in every possible way. You can all the information related to the required paperwork on the website and app instantly.
  12. Multiple Claims Systems – You can opt for cashless claims or reimbursement claims. The insurer does not impose any one type of claim system upon its policyholders. If you get treated at a network hospital, you can make use of the cashless facility. If you get treated at a non-network hospital, you can get your expenses reimbursed later.

These are the main benefits of getting a health insurance cover from the Aditya Birla Health Insurance. Whether you want an individual health plan or a family health insurance policy or even a more specific cover like a cancer protection medical insurance cover, you will find it all from this insurer. They are credible, reliable and very successful in their work, making them a safe insurance provider for you to get associated with.

Wellness & Rewards – A Unique Feature of Aditya Birla Health Insurance Plans

Wellness & Rewards

Aditya Birla Health Insurance Plans reward you too for maintaining good health by helping you earn back up to 30% of your premium. You can use the earned amount to purchase medicines or make payment for diagnostic tests. It can even be used to deal with unforeseen medical contingencies in the future and pay your next premium. But what will indicate that you actually are FIT? We will tell you the same below. Take a look!

Step I – Download the Activ Health App from Google Play Store

The app tracks your physical activity levels and thus enables rewards for you. You can know your Activ Age by filling an online questionnaire on the company’s website. Further, the app will show how healthy your heart is. A green indicator means a healthy heart. In the case of Amber, the risk of heart disease is low. Whereas red means increased risk of contracting heart-related issues.

Step 2 – In case the app shows your health needs improvement, you can work accordingly and earn back the premiums too. Aditya Birla has introduced Active DaysTM wherein you need to perform any of the following activities –

  • Walk 10,000 steps daily
  • Go to the network gym and participate in exercise sessions
  • Burn 300 calories in one session

Step 3 – Time to get rewarded by accomplishing at least 4 Active DaysTM a month. Doing so will help you earn back your premiums. Let’s see how much premiums you can earn back for different Active DaysTM and Heart Score.

Number of Active DaysTM in a Calendar MonthORFitness Assessment OutcomesGreenAmber Red
More than 13Level 530%12%6%
October 12, 2021Level 418%7%4%
July 9, 2021Level 312%5%2%

April 6, 2021Level 26%2%1%
0-3Level 10%0%0%

How to Renew Your Health Insurance @Aditya Birla?

It’s important to renew Aditya Birla Health Insurance by paying the due premium amount on time. Guess what, you can do so in a few steps shown below.

  • Visit the official website of Aditya Birla Health Insurance
  • Click on ‘Renew’
  • A new page will open seeking details such as Policy Number, Date of Birth or Mobile Number
  • Click on the ‘Abhi Karo’ button
  • The policy premium amount and different payment options – Netbanking, Debit/Credit Card, UPI – will appear on your screen
  • Choose the option by which you want to pay your premium
  • Upon successful payment, you will be notified by SMS and email

The Bottom Line – How to Claim Aditya Birla Health Insurance?

Claiming Aditya Birla Health Insurance is possible with two ways – Cashless and Reimbursement. A cashless facility means you won’t have to pay towards the treatment as the insurer will do the same on your behalf. Whereas you need to pay for the treatment first and seek a reimbursement of the same by the insurer after getting discharged from the hospital using the reimbursement claim method. While a cashless facility is available only when the treatment happens at the network hospital of Aditya Birla, reimbursement is regardless of where the treatment happens. Let’s check the process for both claims.

Steps Required in Cashless Claims at Network Hospitals

  • Get yourself admitted to a network hospital
  • Present your Aditya Birla Health Insurance Cashless Card or Policy Number
  • You also need to show your valid ID proof such as Passport, Voter ID, PAN Card for verification purposes
  • Subsequently, the network hospital will send the cashless hospitalization request form, which you need to fill, to the insurer for approval
  • Aditya Birla will review the form carefully and intimate its decision to you and the network hospital within two hours of receiving the request
  • The insurer will settle the claim directly with the network hospital based on terms and conditions of your health insurance plan.

Important Notes

  • For planned hospitalization, the request form should be submitted three days before admission
  • In case of emergency admission, make sure you submit the form within 48 hours of the same

Reimbursement Steps

In case the network hospital is far from your place of residence or office, you can get yourself treated at some other hospital by paying the bills and seek a reimbursement by Aditya Birla after being discharged. Collect all the treatment documents and submit the same to Aditya Birla for processing. The documents include the following –

  • Copy of the Hospital Registration Certificate
  • Original hospital discharge card, daycare summary, transfer summary or death summary
  • Original hospital main bill with break up along with the original deposit and final payment receipts
  • Original invoice and payment receipt for the charges which are billed outside the hospital main bill
  • Implant stickers and invoices that are used during the surgeries
  • Letter from the treating medical practitioner stating the complaints, duration, past medical history and received treatment details
  • All the previous medical consultation papers related to the current ailment
  • Original diagnostic reports including imaging and laboratory reports along with prescription and bills
  • Pharmacy or medical bills along with the doctor prescription

Aditya Birla will verify these documents and approve the claim accordingly.

Important Notes

  • In case of planned admission, notify Aditya Birla 3 days before the same
  • Notify within 48 hours of emergency admission

Conclusion

As you can clearly see from the points mentioned above, the Aditya Birla Health Insurance is indeed an excellent provider of medical insurance. From offering extensive health covers to charging nominal insurance premium rates, the insurance company indeed works well to offer the best health insurance plans to its customers. The many awards it has won over the years further testify to this point. So if you are looking for a good health insurance coverage, do consider getting a plan from the Aditya Birla Health Insurance Company and you will be able to take care of all the health insurance needs of yourself and your loved ones.

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