A Comprehensive List of Diseases Covered by Aditya Birla Health Insurance Company
A well-known medical insurance company, Aditya Birla Health Insurance Company Limited, has thousands of network hospitals for cashless treatment across the nation. If you have a policy with Aditya Birla Health Insurance, you can get coverage for costs related to in-patient care, day-care procedures, alternative treatments, pre- and post-hospitalisation services, organ donation costs, etc. Additionally, you are protected against specific diseases by different health insurance plans of Aditya Birla, which serves you the same in exchange for affordable and customised premiums.
Which Health Conditions Do Aditya Birla Health Insurance Plans Cover?
The extensive coverage provided under Aditya Birla Health Insurance policies protects consumers against medical costs associated with hospitalisation and other medical crises. Families, older citizens, and individuals can purchase the plans.
The programs include cashless hospitalisation options at a large number of network hospitals across India. It gives coverage up to INR 2 crore. Additionally, the Aditya Birla Health Insurance Company Limited has a claim support service available 24 hours a day, seven days a week. It also has an internal claim settlement team that approves claims in two hours. Below are some Aditya Birla health insurance policies you can consider.
| Name of Aditya Birla Health Insurance Policies | Disease |
| Aditya Birla Active Cancer Secure plan | Cancer |
| Aditya Birla Corona Kavach plan | COVID-19 |
| Aditya Birla Activ Secure Critical Illness plan | Critical illnesses |
| Aditya Birla Activ Health Enhanced Plan | Diabetes |
| Aditya Birla Activ Health Platinum Enhanced plan | Several illnesses including chronic ailments |
| Arogya Sanjeevani plan | Cataracts, balloon sinuplasty, deep brain stimulation, oral chemotherapy, and several other illnesses |
- Cancer: A life-threatening condition called cancer can develop in any body organ, including the skin, blood, lungs, breast, etc. Cancer therapy is extremely expensive and takes a very long period. Thus, the Aditya Birla Active Cancer Secure plan offers a lump sum settlement upon the diagnosis of the illness to cover the expense of the treatment.
- COVID-19: The coronavirus illness, also known as COVID-19, is a highly contagious condition that can cause serious health issues like pneumonia and organ failure in several bodies. As a result, COVID-19 treatment might become costly. Although it is covered by all Aditya Birla health insurance plans, Aditya Birla Corona Kavach is specifically designed to help with COVID-19 treatment costs.
- Critical illness: The term "critical illness" describes many diseases that are potentially fatal and can develop due to several reasons, including inherited, bad lifestyle, and others. As a result of their protracted treatment regimens, many diseases can be costly. However, if you have an Aditya Birla Activ Secure Critical Illness Plan, you may be eligible for financial assistance to cover the costs of treating serious illnesses like cancer, open-heart surgery, paralysis, and more.
- Mental illness: Mental illnesses are those medical problems that significantly affect a person's behavior, mood, and thought processes. It can be expensive and take a long time to treat mental illnesses including schizophrenia, depression, dementia, etc. On the other hand, the Aditya Birla Activ Health Platinum Enhanced plan covers the cost of treating mental diseases.
- Cataracts: Cataract is an eye condition that primarily affects elderly persons. It causes a person's eye lens to become cloudy, obscuring their vision and ultimately resulting in blindness. A surgery that can cost thousands of rupees can be used to treat cataracts. However, following a two-month waiting period, several Aditya Birla health insurance plans, notably the Aarogya Sanjeevani plan, provide coverage for cataract surgery.
- Diabetes: Diabetes affects many people and can cause serious health problems like renal failure, heart attacks, strokes, etc. It develops when blood sugar levels rise over normal, and ongoing therapy is needed to keep the level under control. The cost of treating diabetes is not a concern for you with Aditya Birla Activ Health Platinum Enhanced plan.
- Heart disease: If your heart isn't beating normally, cardiac illnesses could develop. It can be caused by leading a bad lifestyle and might be difficult to treat. You can get financial support for the treatment of various cardiac problems with the Aditya Birla Activ Secure Critical Illness plan and the Aditya Birla Activ Health Platinum Enhanced plan.
Policies of Aditya Birla Health Insurance
The following terms apply to Aditya Birla health insurance plans:
| Terms | Conditions |
| Minimum Entry Age | 3 months |
| Maximum Entry Age | 65 years/no limit |
| Policy Renewal | Lifetime renewability offered |
| Renewal Premiums | The health insurance plan's premiums are liable to increase or decrease at any time. |
| General Waiting Period | When the policy first goes into effect, there is a 30-day waiting period that is in effect. |
Steps to Buying Aditya Birla Health Insurance Online
Due to rapid digitisation, purchasing health insurance online has become simple. Either on the insurer’s website or from an insurance aggregator, you can purchase an individual health insurance plan online. Below are a few things you should take, regardless of the platform you choose:
- Choose the insurance plan that you wish to buy.
- Fill up all the required details - like name, age, mobile number, email, etc.
- After that, you will get a premium quote, which is low for a young and healthy person and high for an aged person if the person is addicted to smoking and drinking.
- Then, provide your health condition details.
- Lastly, upload the relevant details and make payments.
- The soft copy of the insurance will be sent to your email, and the hard copy will be delivered to your home in a few days.
Conclusion
If you want health insurance for any of the aforementioned conditions, you might want to think about purchasing an Aditya Birla Health Insurance plan. Aditya Birla Health Insurance plans offer a larger insured amount and broader coverage to meet a wide range of healthcare needs. Additionally, keep in mind to compare various health insurance policies beforehand before choosing the right plan.
When it comes to the price of hospitalisation and treatments during medical emergencies, having the right medical insurance policy will allow you to relax. Aditya Birla’s health insurance plans give you the freedom to prioritize your health rather than being burdened by the cost of healthcare.
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For the insured to be entitled to a claim, they must remain alive for at least 7 days following the diagnosis.
Yes, the insured person’s coverage for critical illnesses is provided by the Aditya Birla health insurance plan.
You can choose the Aditya Birla Activ Health Enhanced Plan for coverage of diabetes because it not only covers Type 1 and Type 2 diabetes but also other identified conditions, including high blood pressure, asthma, and cholesterol.
Yes, under the names Activ Secure and Active Health Platinum, Aditya Birla provides a family floater plan.
You may submit as many claims as you like, but the total amount of your claims cannot be greater than the policy’s sum covered.