Aditya Birla Health Insurance

Aditya Birla Capital Limited is a part of the Aditya Birla group, which is a billion-dollar Indian multi-national company. With a remarkable force of over 1.2 lakh employees, from 42 nations, the Group is spread over 36 countries throughout the globe. The company offers a wide range of solutions to fulfil almost all financial needs, throughout your life. 

Aditya Birla Health Insurance

Aditya Birla Health Insurance plans have been designed to suit the health insurance needs of customers from all economic backgrounds. The plans are available at affordable prices and allow flexibility to be customised. Let us take a quick look at the benefits of Aditya Birla Health Insurance

Plans:

1. Sum Insured Options
   The company gives multiple alternatives to choose the sum insured that go as high as 2 crores. You can choose an amount that suits your needs as well as your budget.
2. Wellness Coaching
   You have access to expert health coaches who will guide you through a healthy journey.
3. Health Returns
   Following a healthy lifestyle can fetch you rewards in the form of HealthReturns.
4. Network Hospital
   With over 7,000 network hospitals, you would never be far from receiving the cover for medical treatment.

Aditya Birla Health Insurance helps its customers to fulfil the diverse healthcare needs of its customers. The plans are designed to provide numerous health benefits that take care of you as well as your family members. The company has plans like Active Health Enhanced and Active Health Essential that offer comprehensive coverage along with attractive advantages that motivate you to always stay healthy. If you are looking for a much wider coverage then you have the option to choose from the Activ Assure-Diamond plan that features 150% reload of the entire sum insured and covers 586-day care procedures and many more benefits. 

Aditya Birla Active Assure Diamond Health Plan

This is an affordable indemnity health insurance plan for your entire family that offers various benefits, let us take a look:

• Sum Insured that goes up to INR 2 crores
• With every claim-free year, you would be eligible for a 10% of sum insured
• Alternate treatments-AYUSH is also covered
• You can receive a 150% of sum insured for a subsequent claim that arises due to unrelated illness, to a maximum limit of INR 50 lakhs
• The plan covers you for 586-day care procedures even when you are hospitalised for less than 24 hours
• The option of International/Domestic Emergency Assistance Services is available. This includes Air Ambulance
• By staying fit and healthy, you can earn HealthReturns worth up to 30%
• You get the option to double your sum insured in 2 years, an additional 50% of SI per annum
• Your expenses for hospitalisation due to COVID-19 will also be covered
• Get an unlimited reload, 100% reload unlimited times, of Sum Insured in a policy year

Birla Activ Health Platinum Plan

This is an indemnity health insurance plan with coverage from day 1 for patients with pre-existing disease coverage like diabetes, high cholesterol, asthma and hypertension.
There are 2 variants of this plan, namely Enhanced and essential. Here is a list of the products under Activ Health, and their key features

Aditya Birla Activ Care 

If you are looking for a health insurance plan for senior citizens, Activ Care will offer you various benefits that make it an excellent choice. The plan is for people who are over 55 years of age. Its key advantages are:

• Comprehensive health check-ups and coaching
• Cashless treatment at Home
• HealthReturns up to 21%
• 586 day-care procedures
• Lifestyle support and portable medical equipment
• Your expenses for hospitalisation due to COVID-19 will also be covered

This plan comes in 3 variants:

Aditya Birla Activ Secure

This is a disease-specific health insurance plan that comes with a few variants. 

Aditya Birla Group Insurance Products

For group insurance needs Aditya Birla provides several products that would help you secure the well-being of your employees. These plans insure your members/employees against the risks of the financial burden that a medical emergency can cause. These customised medical insurance plans for corporates provide you and your workers the flexibility to select health insurance plans as per the needs of the company. The advantages of these plans are:

• You earn rewards for following a healthy lifestyle called HeathReturns
• Active health App - A specialised app to track your daily activities
• The freedom to choose a shared/private hospital room during your hospitalisation

Aditya Birla Health Insurance Premium Payment Process  

Payment of premium is done on the pre-fixed dates and generally on an annual basis. However, depending on the kind and type of insurance policy that you have opted for, your premium payments could be monthly/ quarterly/ half-yearly as well. Make sure you pay all your dues on time so that you can enjoy break-free protection.

For paying the premium, there are 2 methods:

1. Online Payment Process
   To pay the premium online, you simply need to visit the official website or click: https://www.adityabirlacapital.com/healthinsurance  Select your insurance plan and make the payment through any of the electronic mediums such as:
           a.  Credit cards
           b.  Debit cards
           c.   Net banking 
          d.   UPI Payments 
   Paying premium online is not only quick and convenient but also ensures the highest level of security.
2. Offline payment process
   You can also make the payment of premium by physically visiting the branch office and making the payment in person. Note that the premiums will be accepted through cheque/ Demand Draft or an electronic medium.
   Aditya Birla Health Insurance Policy Renewal Process 

Renewal of your health insurance is simple, just follow the steps given below:

• Online Renewal Process
  You can renew your existing policy by sitting in the comfort of your home. To renew your policy visit the official website, or click: https://www.adityabirlacapital.com/healthinsurance/rakhopoorakhayaal/insurance.html Enter your existing policy details and make the payment through any of the electronic mediums.
• Offline Renewal Process
  You can also renew your policy by physically visiting the branch office and making the payment in person. Note that the payment will be accepted through cheque/ Demand Draft or an electronic medium.

Aditya Birla Health Insurance Expired Policy Renewal Process 

The best way to ensure that you are not without an insurance cover is that you get a renewal before the insurance lapses. You are given a 30-day Grace Period to get your plan renewed. After this period you would have to enter a new contract with the company. Note that a claim made during the grace period is not accepted. 

 Without a valid policy, you would not be eligible to make any claims and end up paying all the charges yourself. You also risk all the discounts and bonuses that may have been collected during the past claim-free years, if any. Renewing a policy, therefore, must always be a priority. 

The day your health insurance policy expires the grace period follows immediately. You must get your policy renewed during this 30-day period if you wish to continue enjoying the coverage benefits. If your policy has lapsed and you are still in the grace period, get in touch with the customer care and they would guide you on making the payment for the renewal. In some cases, medical screening may also be required. 

Aditya Birla Health Insurance Claim Process

When you visit a network provider hospital, you can opt for a cashless claim for all the expenses, up to your base Sum Insured, that would be incurred due to your treatment. On the other hand, in a non-network hospital, you would first have to pay for the whole treatment and then you can claim a reimbursement. If you have the benefit of making a cashless claim, it is only prudent to go to a network hospital.  

• Cashless Claim
• For a cashless claim, you have to be in a network hospital only. In case of planned admission, inform the company at least 72 hours before and in case of an emergency, within 48 hours of hospitalisation.
• In a planned hospitalisation, remember, once you receive the authorisation, the treatment must be done within 15 days of the pre-authorisation date.
• In case of emergency hospitalisation, produce your Health Card at the Hospital Reception/Help Desk and inform the company within 24 hours.
• Reimbursement
  • For claims that were not taken after pre-authorisation or that were not taken at a non-network hospital, reimbursement may be claimed. Ensure that you inform the company and raise a request for the same within 48 hours of hospitalisation.

Aditya Birla Health Insurance Company Profile

Over the past few years, medical inflation in India has seen a steep rise. The rise of the pandemic COVID-19 has also brought about many changes in the way people think about health insurance. When you think of fulfilling your and your family’s health insurance needs, you would want to select a plan that offers wide coverage and comes with a variety of benefits.  Aditya Birla Health Insurance offers multiple plans that can help cover yourself and your loved ones.

Aditya Birla Health Insurance Company Customer Care Details