Aditya Birla Health Insurance

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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. 


          A. 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

          
          B. Aditya 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

Name of the PlanHighlights that make it the Right Choice
Aditya Birla Activ Health Platinum - Enhanced
  • Option to choose of Hospital Room category
  • Sum Insured up to INR 2 crores
  • By staying fit and healthy, you can earn HealthReturns worth up to 30%
  • Day 1 cover for diseases like diabetes, high cholesterol, asthma and hypertension
  • Worldwide Emergency Assistance to ensure your safety even when travelling
  • In case of insufficient funds, there is Reload of Sum Insured for an unrelated illness
  • Zone-based premiums
Aditya Birla Activ Health Platinum - Essential
  • Option to choose of Hospital Room category
  • Sum Insured up to INR 2 crores
  • By staying fit and healthy, you can earn HealthReturns
  • Zone-based premiums
  • Option to choose of Hospital Room category
  • Day 1 cover for diseases like diabetes, high cholesterol, asthma and hypertension
  • Multiple optional benefits available


 


          C. 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:

Name of the PlanHighlights that make it the Right Choice
Aditya Birla Activ Care - Standard
  • 586 day-care procedures
  • 50% reload of Sum insured once a year for subsequent claims for unrelated treatment
  • Comprehensive cover with Sum Insured up to INR 10 lakhs
  • Cashless treatment for listed illnesses at home
  • NCB of 10% of the sum insured for every claim-free year
  • By staying fit and healthy, you can earn HealthReturns up to 21%
  • International/Domestic Emergency Assistance Services is available
  • Second E opinion on major illnesses
  • Annual Health Check-ups
  • Health coaching for management of asthma, hypertension etc
  • The option of room upgrade available
Aditya Birla Activ Care - Classic
  • Comprehensive cover with Sum Insured up to INR 10 lakhs
  • 586 day-care procedures
  • 100% reload of Sum insured once a year for subsequent claims for unrelated treatment
  • NCB of 10% of the sum insured for every claim-free year
  • By staying fit and healthy, you can earn HealthReturns up to 21%
  • Second E-opinion on major illnesses
  • International/Domestic Emergency Assistance Services, including Air Ambulance, is available
  • Health coaching for management of Asthma, hypertension etc
  • The option of room upgrade available
Aditya Birla Activ Care - Premier
  • Comprehensive cover with Sum Insured up to INR 25 lakhs
  • 586 day-care procedures
  • 100% reload of Sum insured once a year for subsequent claims for unrelated treatment
  • Organ donation expenses, Ayush inpatient hospitalisation, domiciliary hospitalisation covered
  • Cashless treatment for listed illnesses
  • Mental health cover for inpatient
  • NCB of 10% of the sum insured for every claim-free year
  • OPD treatment cover for medical consultation and diagnostic tests
  • International/Domestic Emergency Assistance Services, including Air Ambulance, is available
  • Annual Health Check-ups
  • Health Check-ups for nutritional, medical and wellness counselling
  • Optional care benefits such as Nursing at home, Lifestyle support equipment, advanced check-ups


          D. Aditya Birla Activ Secure

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

Name of the PlanHighlights 
Aditya Birla Activ Secure - Personal Accident

With this plan, you can ensure financial safety for yourself as well as your family in the case of an accident
  • Covers you for accidental death as well as disability, either permanent or even partial 
  • Cover for any modification done of the residence as well as the vehicle
  • Orphan Benefit along with Education Benefit for any dependent children
  • Protection against EMI and Loan instruments
  • Cumulative bonus of 5% every year, to a limit of 50% of sum insured
  • Optional Covers: Temporary total disability, accidental in-patient hospitalisation, worldwide Emergency Assistance Services
  • Wellness coach facility can be availed

Aditya Birla Activ Secure - Critical Illness


 

This cover helps you guard your entire family against any of the listed critical illnesses 

  • Option to choose 3 plan variants with multiple benefits
  • Comprehensive coverage against all major illnesses
  • Critical illnesses with a low chance of survival 
  • Even after payout for an early stage critical illness is made, the policy continues
  • Wellness coach facility can be availed
  • Income Tax benefits under section 80D
Aditya Birla Activ Secure - Cancer Secure

With this plan, you can secure yourself from all stages of cancer from minor to an advanced stage and get the peace of mind that you deserve
  • There are various stages of payout depending on the stage of cancer like:
    • 50% payout for the early cancer stage
    • 100% payout for major cancer stage
    • 150% payout for advanced cancer stage
  • There is an additional amount of 100% payout at the time of major stage cancer irrespective of the 50% payout at the time of an early-stage detection
  • There is a cumulative bonus that is paid from 10% to 100% of the sum insured
  • Cancer stage coverage provided with a low survival chance from the initial diagnosis
  • Wellness coach facility can be availed
  • Income tax benefits U/S 80D

Aditya Birla Activ Secure - Hospital Cash


 

You can protect yourself from the unpredictable costs that can put you in a financial crisis

  • A daily cash benefit that ranges from INR 500 to INR 10,000
  • Option to choose cover for a fixed number of days in a policy year
  • Convalescence benefit in case you need more than 7 days of hospitalisation
  • Tax benefits under section 80D
  • The option of a wellness coach
Aditya Birla Activ Secure - Global Health Secure

With this variant, you will be covered for your medical expenses globally
  • Global major illness cover for in-patient hospitalisation
  • International Second E-opinion for major illnesses
  • Visa documentation guidance
  • Cashless treatment across a very wide network
  • Cover for travel and accommodation for the policyholder and the attendant
  • Organ donor expenses are covered
  • Second opinion service for listed illnesses with a global panel of doctors
  • Post-hospitalisation medical cover


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
Name of the PlanHighlights 

Aditya Birla Group Activ Health 


 

This plan offers extensive cover with world-class benefits

  • Simple and minimum documentation
  • Simple underwriting to ensure a quick and easy policy issuance
  • Cashless claim settlements
  • Certain optional covers are available to help the customer customise the plan
  • Tax benefits under section 80C
Aditya Birla Group Activ Secure

A lump sum benefit is given at the time of occurrence of health events  
  • Group personal accident cover
  • Group critical illness cover
  • Group hospital cash benefit

Aditya Birla Group Activ Travel 


 

A comprehensive travel insurance plan that offers wide coverage and is customisable with multiple optional covers 

  • Flexible limits of micro Sum Insured to the highest end of the spectrum
  • Region-specific plans
  • Range of additional services in case of medical and non-medical emergencies
  • ‘New age features such as- Mugging cover, emergency home visit, lifestyle support due to accident
  • Entry to the plan at any age
  • Provisions for a single trip/annual multi-trip



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

Official Websiteadityabirlahealthinsurance.com 
Email IDcare.healthinsurance@adityabirlacapital.com
Phone numbers1800 270 7000 
Fax Number91 22 6225 7700
Company Address 

Aditya Birla Health Insurance Co. Limited, 9th Floor, Tower 1, 

One Indiabulls Centre, Jupiter Mills Compound, 841, 

Senapati Bapat Marg, Elphinstone Road, Mumbai 400013

Aditya Birla Health Insurance Company - FAQs
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