Aditya Birla Health Insurance

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Aditya Birla Health Insurance Co. Limited is a leading health insurance provider in India. The Aditya Birla health insurance plans are tailored to meet the needs of its customers of diverse ages, across occupations, family statuses and financial backgrounds. The company offers some of the best coverage benefits like health treatment coverage, day-care coverage, critical illness coverage, and cancer coverage. So there is no better place to get a robust health insurance plan that is built on your personal needs and requirements.

Aditya Birla Health Insurance is a part of Aditya Birla Capital Ltd. In fact, it is an integral part of a joint venture between MMI Holdings of South Africa and Aditya Birla Group. Aditya Birla Health Insurance was incorporated in 2015. However, it commenced its health insurance operations in 2016. The company has a presence in over 2300 cities.

In FY 2019-20, the company won the award of “Health Insurer of the Year’’ at ET Now Business Leader of the Year Awards. There is a wide range of health insurance products offered by this company, which caters to the healthcare needs of every individual, from basic hospitalisation to cancer insurance.

This page will offer an in-depth view of Aditya Birla Health Insurance policy details.

Aditya Birla Health Insurance Key Highlights

Network HospitalsOver 10051
CoverageIn-patient hospitalisation, pre and post-hospitalization, domiciliary expenses, donor expenses, daycare procedures, etc.
Lives insured10 Million
Claims Serviced Till Date1.97 Lakh
Cities Presence2300+

Why Should You Buy an Aditya Birla Health Insurance Policy?

Aditya Birla Health Insurance Company isn’t only providing basic insurance but also offering different types of benefits towards health and wellness:

  • Health Returns: The Company promotes healthier habits by providing upto 30% of your premium back by getting a healthy heart score.
  • Health Coach: The company provides guidance through doctor-on-call, medical specialists, dieticians, fitness gurus, and tobacco counsellors to keep you healthy.
  • Chronic Management Program: The company manages the cost of living with four major chronic conditions – asthma, blood pressure, cholesterol, and diabetes.
  • Support- Team available on Whatsapp to solve your doubts instantly.

Choose from a Wide Range of Multiple Aditya Birla Health Insurance Plans:

Aditya Birla Health Insurance Plans in Details

Aditya Birla Health Insurance is dedicated to providing affordable health coverage through a wide range of plans and services. Therefore, you have the freedom to choose from the following list of affordable and diverse health insurance plans.

1. Activ Health Platinum Enhanced

This health insurance plan by Aditya Birla offers unique benefits, including 100% HealthReturns, modern treatment coverage, COVID hospitalisation coverage and a chronic management plan. 

Plan TypeIndividual / Family Floater
Sum InsuredINR 2 lakhs to 2 crore
Age Requirements 

5 years for Individual coverage

91 days (Dependent child) and 18 years (Adult) for Family Floater coverage

Coverage:

  1. In-patient hospitalisation
  2. Pre-hospitalisation (60 days)
  3. Post-hospitalisation (180 days)
  4. Domiciliary hospitalisation
  5. Day care treatment
  6. Organ donor expenses
  7. Road ambulance cover
  8. AYUSH cover
  9. Sum insured reload
  10. Obesity treatment
  11. Mental illness hospitalisation
  12. Modern treatment cover
  13. Home treatment cover
  14. Emergency domestic assistance service
  15. Emergency international assistance service
  16. OPD coverage
  17. Higher treatment zone co-payment
  18. Premium waiver
  19. Critical illness cover

Additional Coverage:

  1. Health check-up
  2. Cumulative bonus
  3. Dental consultation
  4. Second medical e-opinion
  5. Recovery benefit

Value Added Benefits:

  1. HealthReturns
  2. HealthCoach
  3. Health Assessment
  4. Chronic Management Program

2. Activ Health Platinum Essential

Along with the same benefit as its enhanced counterpart, Activ Health Platinum Essential also focuses on chronic illness. It offers chronic illness cover right from the first day as well as an auto upgrade to the insurer-issued chronic management program for free if you get diagnosed with any chronic illness after the policy purchase.

Plan TypeIndividual / Family Floater
Sum InsuredINR 2 lakhs to 2 crore
Age Requirements 

5 years for Individual coverage

91 days (Dependent child) and 18 years (Adult) for Family Floater coverage

Coverage:

  1. In-patient hospitalisation
  2. Pre-hospitalisation (60 days)
  3. Post-hospitalisation (180 days)
  4. Domiciliary hospitalisation
  5. Day care treatment
  6. Organ donor expenses
  7. Road ambulance cover
  8. AYUSH cover
  9. Sum insured reload
  10. Obesity treatment
  11. Mental illness hospitalisation
  12. Modern treatment cover
  13. Home treatment cover
  14. Emergency domestic assistance service
  15. Emergency international assistance service
  16. OPD coverage
  17. Higher treatment zone co-payment
  18. Premium waiver

Additional Coverage:

  1. Health check-up
  2. Cumulative bonus
  3. Dental consultation
  4. Second medical e-opinion
  5. Recovery benefit

Value Added Benefits:

  1. HealthReturns
  2. HealthCoach
  3. Health Assessment
  4. Chronic Management Program

3. Activ Assure Diamond

This health insurance plan by Aditya Birla is an affordable, comprehensive plan providing in-patient hospitalisation, including 586 daycare treatments as well as quick cashless claims at 7000+ network hospitals.

Plan TypeIndividual / Family Floater
Sum InsuredINR 2 lakhs to 2 crore
Age Requirements 

5 years for Individual coverage

91 days (dependent child) to 18 years (for adults) for Family Floater coverage

Coverage:

  1. In-patient hospitalisation
  2. Pre-hospitalisation (30 days)
  3. Post-hospitalisation (60 days)
  4. ICU charges
  5. Day care treatments
  6. Home care treatments
  7. Organ donor expenses
  8. Road ambulance cover
  9. Sum insured reload
  10. AYUSH treatment
  11. Daily allowance
  12. No-claim bonus
  13. Vaccination cover
  14. Second medical e-opinion
  15. Emergency domestic assistance service
  16. Emergency international assistance service
  17. HealthReturns
  18. Health Coach
  19. Health Assessment
  20. PED waiting period reduction
  21. Unlimited sum insured reload
  22. Super NCB
  23. Accidental hospitalisation booster cover (available beyond 1 crore sum insured plans)
  24. Cancer hospitalisation booster cover (available beyond 1 crore sum insured plans)
  25. Room upgrade
  26. Discount on a preferred provider network.

4. Activ Assure Diamond + Super Health Top up

This package deal by Aditya Birla health insurance offers comprehensive medical insurance coverage of sum insured of up to INR 1 crore without needing you to worry about the limits. The combination of the Activ Assure Diamond plan and a top-up plan ensures you are adequately covered at all times.

Plan TypeIndividual / Family Floater
Sum Insured

INR 3 lakhs to 95 lakhs

Deductible-INR 1 lakh to INR 15 lakh

Age Requirements 

5 years to 65 years for Individual coverage

91 days to 5 years for Family Floater coverage

Coverage:

  1. In-patient hospitalisation
  2. Pre-hospitalisation (30 days)
  3. Post-hospitalisation (60 days)
  4. Domiciliary treatment
  5. Daycare treatment
  6. Organ donor expenses
  7. Road ambulance cover
  8. Zero deductible convert (T&C applied)
  9. AYUSH coverage

Additional Coverage:

  1. Emergency domestic assistance service
  2. Emergency international assistance service
  3. Health & Wellness Discounts

5. Activ Care Classic

This health insurance plan offers complete coverage to policyholders through a dedicated personal health coach, comprehensive annual health checks as well as keeps premiums in check via 3 different plan variants

  • Standard Plan Variant

The standard plan variant offers a sum insured amount ranging from INR 3 lakhs to 10 lakhs. It is a good choice for policyholders looking for base health insurance coverage under an affordable premium amount.

Plan TypeIndividual / Family Floater
Sum InsuredINR 3 lakhs to 10 lakhs
Age Requirements 55-80 years 

Coverage:

  1. In-patient hospitalisation
  2. Shared room rent cover
  3. Pre-hospitalisation (30 days)
  4. Post-hospitalisation (60 days)
  5. Day care treatments
  6. Road ambulance cover
  7. Sum insured reload (50% of the insured sum amount)
  8. Home Treatment

Additional Coverage:

  1. No claim bonus
  2. Emergency domestic assistance service
  3. Emergency international assistance service

Value Added Benefits:

  1. HealthReturns
  2. HealthCoach
  3. Health Assessment
  4. Health & Wellness Discount
  5. Second medical e-opinion

Optional Value Added Benefits:

  1. Home Nurse
  2. Equipment supporting lifestyle
  3. Advanced healthcare check-up
  4. Portable medical equipment

Optional Covers:

  1. Hospital room upgrade cover
  • Classic Plan Variant

The classic variant has a sum insured range of INR 3 lakhs to 10 lakhs. It provides the base coverage as per the standard plan, including some value-added benefits.

Plan TypeIndividual / Family Floater
Sum InsuredINR 3 lakhs to 10 lakhs
Age Requirements 55-80 years 

Coverage:

  1. In-patient hospitalisation
  2. Shared room rent cover
  3. Pre-hospitalisation (30 days)
  4. Post-hospitalisation (60 days)
  5. Day care treatments
  6. Road ambulance cover
  7. Sum insured reload (50% of the insured sum amount)
  8. Home treatment
  9. Domiciliary hospitalisation
  10. Organ donor expenses
  11. AYUSH treatment cover

Additional Coverage:

  1. No claim bonus
  2. Emergency domestic assistance service
  3. Emergency international assistance service

Value Added Benefits:

  1. HealthReturns
  2. HealthCoach
  3. Health Assessment
  4. Health & Wellness Discount
  5. Second medical e-opinion
  6. Comprehensive health check-up
  7. Personal health coach

Optional Value Added Benefits:

  1. Home Nurse
  2. Equipment supporting lifestyle
  3. Advanced healthcare check-up
  4. Portable medical equipment

Optional Covers:

  1. Hospital room upgrade cover
  • Premier Plan Variant

The premier plan offers the most comprehensive coverage available. From a high sum insured to private room rent coverage and multiple value-added benefits, you can rest easy!

Plan TypeIndividual / Family Floater
Sum InsuredINR 5 lakhs to 25 lakhs
Age Requirements 55-80 years 

Coverage:

  1. In-patient hospitalisation
  2. Private single AC room cover
  3. Pre-hospitalisation (30 days)
  4. Post-hospitalisation (60 days)
  5. Day care treatments
  6. Road ambulance cover
  7. Sum insured reload (50% of the insured sum amount)
  8. Home treatment
  9. Domiciliary hospitalisation
  10. Organ donor expenses
  11. AYUSH treatment cover

Additional Coverage:

  1. No claim bonus
  2. Emergency domestic assistance service
  3. Emergency international assistance service
  4. OPD Treatment

Value Added Benefits:

  1. HealthReturns
  2. Health Assessment
  3. Health & Wellness Discount
  4. Second medical e-opinion
  5. Comprehensive health check-up
  6. Personal health coach

Optional Value Added Benefits:

  1. Home Nurse
  2. Equipment supporting lifestyle
  3. Advanced healthcare check-up
  4. Portable medical equipment

Optional Covers:

  1. Hospital room upgrade cover

6. Activ Secure - Cancer Secure

This cancer-focused health insurance plan from Aditya Birla health insurance is designed to counter the ever-rising cancer treatment. With a high range of sum insured ranging from INR 5 lakhs up to 1 crore, you can get lumpsum payouts to manage the expenses of cancer treatment at every stage including chemo, surgery as well as radiation. It has an initial waiting term of 90 days and 180 days for early-stage diagnosis. 

Plan TypeFamily Floater
Sum InsuredINR 5 lakhs to INR 1 crore
Age Requirements 18-65 years

Coverage:

  1. Early stage diagnosis: 50% of insured sum amount, subject to a minimum of INR 10 lakhs
  2. Major stage diagnosis: 100% of insured sum amount
  3. Advanced stage diagnosis: 150% of insured sum amount

Additional Coverage:

  1. No claim bonus
  2. Complete protection for 3 stages of cancer
  3. Additional payout

Optional Covers:

  1. Second medical e-opinion
  2. Wellness coach

7. Critical Illness Plans

Activ Secure Critical Illness Plans are intended to reimburse you for lost income and treatment costs if you are identified with one of the sixty-four critical diseases covered.

  • Plan 1

The first plan has an insured sum amount ranging from INR 1 lakh to 1 crore. It includes 20 major critical illnesses including cancer, kidney failure and heart attack.

Plan TypeFamily Floater
Sum InsuredINR 1 lakh to 1 crore
Age Requirements 5 years
  • Plan 2

The second plan coverage includes all the 20 diseases of Plan 1 and 30 others, like TB, benign brain tumour, and brain surgery. It also carries an insured sum amount ranging from INR 1 lakh to 1 crore.

Plan TypeFamily Floater
Sum InsuredINR 1 lakh to 1 crore
Age Requirements 5 years
  • Plan 3

The third plan offers all-around critical illness coverage by including the 50 diseases under the second plan with 14 additional illnesses and modern treatment procedures like hysterectomy, pacemaker insertion, and angioplasty.

Plan TypeFamily Floater
Sum InsuredINR 5 lakh to 1 crore
Age Requirements 18 years

8. Activ Secure Personal Accident

With protection for your EMIs and Loans and a 5% cumulative bonus each claim-free year, Activ Secure Personal Accident can offer you complete accidental heath insurance coverage. 

  • Plan I
Plan TypeFamily Floater
Sum InsuredINR 1 lakh to 2 crore
Age Requirements 5-65 years

Coverage:

  1. Accidental death cover
  2. Education benefit
  3. Cumulative bonus
  • Plan II
Plan TypeFamily Floater
Sum InsuredINR 1 lakh to 5 crore
Age Requirements 5-65 years

Coverage:

  1. Accidental death cover
  2. Education benefit
  3. Cumulative bonus
  4. Permanent total disablement
  • Plan III
Plan TypeFamily Floater
Sum InsuredINR 1 lakh to 5 crore
Age Requirements 5-65 years

Coverage:

  1. Accidental death cover
  2. Education benefit
  3. Cumulative bonus
  4. Permanent total disablement
  5. Permanent partial disablement
  • Plan IV
Plan TypeFamily Floater
Sum InsuredINR 5 lakh to 10 crore
Age Requirements 5-65 years

Coverage:

  1. Accidental death cover
  2. Education benefit
  3. Cumulative bonus
  4. Permanent total disablement
  5. Permanent partial disablement
  6. Emergency road ambulance expenses
  7. Funeral expenses
  • Plan V
Plan TypeFamily Floater
Sum InsuredINR 10 lakh to 20 crore
Age Requirements 5-65 years

Coverage:

  1. Accidental death cover
  2. Education benefit
  3. Cumulative bonus
  4. Permanent total disablement
  5. Permanent partial disablement
  6. Emergency road ambulance expenses
  7. Funeral expenses
  8. Mortal remains repatriation
  9. Orphan benefit
  10. Residence and vehicle modification benefit
  11. Compassionate visit

Apart from these base coverage plans, Activ Secure Personal Accident plan by Aditya Birla also offers these optional covers:

Optional Covers:

  1. Temporary total disablement benefit
  2. Accidental in-patient hospitalisation cover
  3. Broken bones benefit
  4. EMI protect
  5. Loan protect
  6. Bum benefit
  7. Coma benefit
  8. Accidental medical expenses
  9. Worldwide emergency assistance service
  10. Adventure sports cover
  11. Wellness coach

9. Corporate Plans

Aditya Birla corporate health insurance plans are group medical insurance policies which cover a large group of employees or staff members under a single master contract. The policyholder, who is generally the employer, holds the policy documents and can make necessary changes.

With emergency road ambulance cover, comprehensive in-patient hospitalisation and loads of customisable benefits and converge options, these three corporate plans can be just the perfect thing to add to any employee benefits package.

  • Group Activ Health

This group health insurance plan features no medical underwriting, personalised coverage and value-added benefits like HealthReturns.

Plan TypeGroup 
Sum Insured-
Age Requirements -

Coverage:

  1. In-patient hospitalisation
  2. Pre-hospitalisation
  3. Post-hospitalisation
  4. Domiciliary hospitalisation
  5. Day care treatment
  6. Organ donor expenses
  7. Road ambulance cover
  8. Hospital cash benefit
  9. OPD expenses
  10. AYUSH treatment cover
  11. Chronic management program
  12. In-patient psychiatric care
  13. Worldwide critical illness
  14. In-patient accidental hospitalisation
  15. Specified illness or conditions sub-limits
  16. Specified illness or conditions package treatment

Optional Covers:

  1. Healthcare check-up
  2. Fitness assessment
  3. HIV cover
  4. Wellmother cover
  5. Sports activity cover
  6. Health assessment
  7. Maternity benefit
  8. Vaccination expenses
  9. International emergency healthcare assistance service
  10. Domestic emergency healthcare assistance service
  11. Corporate buffer
  12. Ultra-modern medicine
  13. Healthy pregnancy program
  14. Wellness coach
  15. Specified treatment or surgery sub-limits
  16. Comprehensive corporate floater
  17. Pink slip coverage continuity
  18. Sum insured reload
  19. Newborn baby expense
  20. Recovery  benefit
  21. Second medical e-opinion
  22. Preferred network providers
  23. Infertility treatment
  24. HealthReturns
  25. Daily cash benefit (if lower category hospital room is chosen)

Discounts and waivers:

  1. Co-payment
  2. Aggregate claims deductible
  3. Pre-existing illness waiting term
  4. First 30-day waiting term
  5. Attempted suicide exclusion waiver
  6. 2-year waiting term
  7. Non-medical expenses
  8. Per claim deductible
  9. External congenital anomaly
  • Group Activ Secure:

Group Activ Secure is specially designed to cover healthcare accidental emergencies in international countries. With personal accidental covers and multiple optional covers available, it offers one of the most comprehensive groups of accidental insurance coverage.

Plan TypeGroup 
Sum Insured-
Age Requirements -

Coverage:

  1. Accidental hospitalisation
  2. Personal accident cover
  3. Accidental death cover

 Optional Covers:

  1. Funeral expenses
  2. Accidental hospital cash benefit
  3. Coma benefit
  4. Medical expenses
  • Group Activ Travel

This group travel insurance offers complete coverage against sudden medical needs and expenses while travelling. It includes ambulance services and customisable region-specific policies. It also features hassle-free cashless claims.

Plan TypeGroup 
Sum Insured-
Age Requirements -

Coverage:

  1. 24/7 emergency and medical services
  2. In-patient hospitalisation
  3. Out-patient treatment
  4. Medicine expenses
  5. Drugs and pharmacy supplies
  6. Blood storage
  7. Nursing charges
  8. Processing charges
  9. Muggin cover
  10. Accident caused lifestyle support

 Optional Covers:

  1. Pre-existing condition emergency
  2. Auto extension on insurance expiry
  3. Additional sum insured on accident claims
  4. Mental and nervous illness treatment
  5. Maternity cover
  6. Adventure or professional sports injury cover
  7. Additional corporate floater cover
  8. Mortal remains repatriation
  9. Emergency medical evacuation
  10. Injury or illness caused dental expenses
  11. Passport loss
  12. Delay or loss of check-in luggage
  13. Total disability or death related personal accident cover
  14. Trip delay or cancellation
  15. Emergency cash advance
  16. Compassionate visits
  17. Missed flight connection

10. Global Health Secure

This international health insurance offers worldwide coverage against any of the 16 listed critical illnesses. You are free to avail of cashless care internationally across the company’s big network of hospitals.

Plan TypeIndividual / Family Floater 
Sum InsuredINR 3 crore to 6 crore
Age Requirements 91 days

Coverage:

  1. In-patient hospitalisation (outside India)
  2. Post-hospitalisation cover (30 days)
  3. Organ donor expenses
  4. Accommodation expenses
  5. Travel expenses
  6. Mortal remain repatriation

Additional Coverage:

  1. VISA documentation guidance
  2. International second e-opinion

PED Coverage:

  1. Pre-existing diseases waiting term

Covered Illness:

  • Cancer treatment
  • Heart valve replacement
  • Bone marrow transplant
  • Pulmonary artery graft surgeries
  • Post myocardial infarction coronary artery by-pass
  • Surgical benign brain tumour treatment
  • End-stage renal stage kidney transplant surgery
  • Surgical coma treatment
  • Coronary artery by-pass
  • Major organ transplant
  • Neurosurgery
  • Aorta graft surgery
  • Surgical stoke treatment
  • End-stage lung disease transplant
  • Major burn skin grafting surgery
  • Pheochromocytoma surgery

11. Arogya Sanjeevani Plan

As mandated by IRDAI, Aditya Birla Health Insurance Company offers a standardized medical insurance plan that caters to the basic medical need of the insured. Arogya Sanjeevani provides an insured sum amount of INR 1 lakh to 5 lakh with affordable premium costs.

Plan TypeIndividual / Family Floater 
Sum InsuredINR 1 lakh to 5 lakh
Age Requirements 

18 years for adults

3 months for children

Coverage:

  1. In-patient hospitalisation cover
  2. Pre-hospitalisation cover
  3. Post-hospitalisation cover
  4. Advanced procedure cover
  5. AYUSH treatment cover

12. Corona Kavach Policy

This coronavirus-focused health insurance plan offers insured sum amount ranging from INR 50,000 to 5 lakhs. It can be purchased both as an individual plan or a family-floater policy. No medical test is necessary for this policy purchase. According to the most recent government order, the deadline for purchasing or renewing is September 30th, 2022.

Plan TypeIndividual / Family Floater 
Sum InsuredINR 50,000 to 5 lakh
Age Requirements Dependent children from day 1 to 25 years

Coverage:

  1. In-patient hospitalisation cover
  2. Pre-hospitalisation cover (15 days)
  3. Post-hospitalisation cover (30 days)
  4. Home care treatment cover
  5. AYUSH treatment cover

Aditya Birla health insurance plans are both diverse and affordable. Now, if you are still looking for reasons to buy the policies, here are the benefits offered by the insurer.

Aditya Birla Health Insurance Benefits

Here is a list of the benefits of Aditya Birla health insurance which makes it superior to other health insurance providers in India.

1. Peace of Mind

Aditya Birla Health Insurance offers peace of mind to policyholders. Aditya Birla Health Insurance offers a wide range of different insurance products under each respective category. The benefits, the coverages and the exclusions differ from policy to policy. Its customers can choose their suitable insurance product depending on their needs and financial situation.

2. Activ Health App

Activ Health is the first app of its kind to help you track your health, get rewarded for doing so, and access all your information from your smartphone. Whether you're trying to lose weight or just want to live a healthier lifestyle, it can be hard to know where to start. Activ Health is here to support you by helping you get a clearer picture of what's going on with your body over time so that you can make positive changes to how you feel and look.

3. Healthcare Network

In order to get healthier and stay fit, you need access to a wide set of healthcare facilities at your fingertips. Aditya Birla's network spans regions covered by over 10051 network medical facilities, 2300+ cities, and  plenty of fitness centres offering gyms, yoga, dancing classes, and other services. You can even book appointments, avail of cashless payment options and enjoy concierge services.

4. 24x7 Support

Aditya Birla has been gaining popularity among people and is famous for its premium quality products. However, there are times when you may require some help while using their services because of some technical issues. In such cases, you can definitely call on their customer support number to get instant assistance regarding your doubts and queries.

Aditya Birla has a dedicated support team who will be more than happy to help you with your queries and doubts. The company understands the importance of prompt and effective customer service, which is why they offer a 24x7 support facility for you. They have a group of expert customer service representatives who are always ready to take your call and help you solve all your questions and queries quickly.

5. Care Managers

Filing claims and managing paperwork during hospitalisation can be overwhelming and time-consuming. That's why the company offers a dedicated team of care managers who are available to talk to you through the process, every step of the way. All this assistance at no extra cost to you!

6. International Insurance Plans

Aditya Birla Health Insurance offers multiple international insurance plans. Global Health Secure is a dedicated worldwide coverage medical insurance which offers in-patient hospitalisation outside India as well as multiple other benefits like in the form of 16 listed critical illness cover, VISA documentation guidance and international second e-opinion.

Corporate plans like Group Activ Secure and Group Activ Travel also include sufficient coverage to help out in emergency hospitalisation cases while travelling abroad. All these plans make the life of policyholders who are planning on travelling abroad that much easier.

7. Tax Benefits

Income Tax Act Section 80D provides tax breaks to anyone making premium payments on health insurance. For people under the age of 60 years, the tax deduction is limited to a maximum of INR 25,000, while the same is extended to INR 50,000 for senior citizens i.e. people above the age of 60 years. Both categories carry a tax break of INR 5,000 for preventive healthcare within their designated tax break limitations. 

Claim Settlement Ratio of Aditya Birla Health Insurance

You need to keep track of this indicator in order to determine if the company you’re enrolling in is offering you satisfactory value for your money. This ratio measures how many claims insurers settle on an annual basis in relation to the total number of claims filed by the company.

However, it is important to understand that most claim rejections result due to the policyholder’s negligence. In most cases, the policyholder fails to provide relevant paperwork or his or her ongoing insurance coverage does not include the claimed reason. But apart from all these, the CSR should be able to give you a good picture of how the insurance company deals with the filed claims.

Aditya Birla boasts a claim settlement ratio of 99.36% in a term of fewer than 3 months and 0.54% in between 3 months to 6 months. It's no surprise that the organisation is considered one of the top claim settlements with prompt customer service.

How to Buy Aditya Birla Health Insurance Online at Paytm Insurance?

The hardest part of going health insurance shopping is choosing the one which strikes a deal between coverage and premium costs. You don’t want to pay extra than what your insurance policy offers or the other way around. This is why most people like to compare and contrast all the policy options available to them before settling on one. This is made possible by Paytm Insurance. 

Here is a step-by-step breakdown of the process of buying health insurance plans from Aditya Birla at Paytm Insurance.

  1. To start off the process, you need to visit the online website of Paytm Insurance.
  2. Once you land on the home page, you can click on the ‘health insurance’ button in the menu located on the page top.
  3. You will be provided with a drop-down list of all the available health insurance providers. From there, you need to make a choice and select the health insurance company of your choice.
  4. Once you choose your insurance company, a new webpage will be presented. This page will provide a short questionnaire which you have to duly fill out and submit.
  5. Once you are done with the questionnaire, you have to input your age and pin code.
  6. Now, click on ‘Get Quotes’ to get a list of all the health insurance options available to you.
  7. Select your preferred health insurance plan and buy it online via Paytm Insurance.

List of Documents Required to Buy Aditya Birla Health Insurance Online

Certain documents are needed from the customer’s end when looking to buy an Aditya Birla health insurance plan for an individual, a family or a group. 

This checklist offers you a general idea of the paperwork needed when applying for health insurance online or offline:

  1. Proof of Identity
    1. PAN card
    2. Aadhaar card
    3. Passport
    4. Voter card
    5. Driver’s licence
  2. Proof of Age
    1. Passport
    2. Birth certificate
    3. PAN card
    4. Driver's licence
    5. Voter card
  3. Proof of Address
    1. Voter card
    2. Bank issued statements
    3. Passport
    4. Utility bills
    5. Ration card
  4. Proof of Income (if applicable)
    1. Recent employer-issued payslips
    2. Bank-issued statements
  5. Duly filled application form
  6. Photographs
  7. Recent medical reports

Note: This list contains a generic list of paperwork requirements, please make sure to connect with your insurer to get more details.

How to Renew Aditya Birla Health Insurance Online?

Active policyholders are encouraged to promptly renew their health insurance policies on time to make sure their medical insurance coverage is continuous and there are no issues with policy lapse.

Here is a step-by-step breakdown of the procedure of renewing Aditya Birla Health Insurance online.

Via Aditya Birla Website:

  1. Visit the Aditya Birla website.
  2. Click on ‘My Account’ and move to the ‘Renew’ page.
  3. Input your policy number and your date of birth or mobile number.
  4. Click on ‘Proceed to Renew’ and you will be offered the renewal quotation of your insurance plan.
  5. Pay the money online and renew your policy.

How to File a Claim with Aditya Birla Health Insurance Online?

Cashless claims and reimbursement claims are two different health insurance claim types available to the policyholders.

The first one - cashless claim helps you receive cashless treatment at any of the company-partnered hospitals or medical facilities. If planned, you need to inform the insurer about the treatment a few days prior and they will make necessary arrangements. All you need to do after hospitalisation is offer the pre-authorisation form to the hospital authority and they will notify the insurance provider about your admission. Once confirmed, you will receive cashless treatment.

The second one - reimbursement claim offers you a refund of all the expenses incurred on medical bills. You need to download the claims document and submit the form with any relevant paperwork to your insurer. The company will go over your medical bills and confirm your claim. Once claimed, you will receive the money you have spent deducting any co-pay or other variables.

The following are the step-by-step breakdown of both claim procedures:

Aditya Birla Cashless Health Insurance Claim Process

If you've been suspected of a serious medical condition, there is no better way to proceed than by choosing one of Aditya Birla's many Health Insurance associated hospitals and clinics in the country.  This is where you will save a significant amount of money while having the best medical care possible without worrying about any extra financial obligations. In other words, the insurance company pays the hospital's medical expenditures entirely. The insurance company's hospital network information may be accessed on its official website.

Here is the detailed procedure:

  1. First you need to locate a partnered hospital or medical facility where cashless claims are available.
  2. Present your Aditya Birla medical insurance policy cashless health card or provide your policy number when you arrive at the hospital. Also, provide legitimate ID evidence, like a PAN card, Voter ID, or passport.
  3. In addition, you must send the pre-authorisation document to the hospital. It will be forwarded to the insurance by the hospital authorities.
  4. When the company receives your papers, it will check them in accordance with their terms and conditions. They will handle the claim amount with the hospital after all processes are completed.

List of Documents Required for Aditya Birla Health Insurance Cashless Claim

The following paperwork is necessary when filing for cashless claims.

  1. Health insurance policy paperwork
  2. Health card issued by the insurance provider
  3. Insured and policyholder’s age proof
  4. Insured and policyholder’s KYC details
  5. Pre-authorisation diagnosis breakdown report
  6. Any other relevant healthcare documents

What is the Reimbursement Claim of Aditya Birla Health Insurance?

To make a reimbursement claim, you must first pay your hospital bills up front and then submit a refund claim to Aditya Birla. You must submit your hospital invoice and medication bills, and other essential supporting evidence when completing your medical insurance reimbursement claim. The cash will be transferred directly to your associated bank account when Aditya Birla has examined and accepted your claim as legitimate.

Here is the detailed procedure:

  1. First, you need to inform the company about your hospitalisation. In case of emergency conditions, you have to inform Aditya Birla within 48 hours of hospitalisation and in case of planned hospitalisation, you have to inform the company 3 days prior of being admitted.
  2. Following your treatment, you need to settle all the medical bills issued by the hospital.
  3. Now you have to collect all relevant documents from the hospital and send them to Aditya Birla within 15 days of discharge.
  4. When the company receives your papers, it will check them in accordance with their terms and conditions. They will refund the claim amount after all processes are completed.

List of Documents Required for Aditya Birla Health Insurance Reimbursement Claim

The following paperwork is necessary when filing for reimbursement claims.

  1. Claim form - Part A (filed by the insured)
  2. Claim form - Part B (filed by the medical facility)
  3. Policy copy or health card
  4. Insured and policyholder’s KYC details
  5. Original discharge report/ daycare report/ transfer report or death report
  6. Original hospital bill breakup with deposit and final payment receipts
  7. Original invoice and payment receipt for out-of-hospital charges
  8. Invoice of implants utilised during surgeries as well as implant stickers
  9. Past consultation papers for relevant ailment
  10. Original diagnostic reports (including laboratory and imaging) with bills and prescription
  11. Medical and pharmacy bills with relevant prescription
  12. MLC or FIR copy (for accidental cases)
  13. Letter from treating medical practitioner starting the accident details and intoxication influence (for accidental cases)
  14. Pre as well as post-operative imaging reports (for accidental cases)

How to Calculate Aditya Birla Health Insurance Premium?

Health insurance plans are designed to provide you with a wide range of coverage. From your prescription drugs and hospital visits to preventive care and compassionate visits. You can find the perfect health insurance plan by doing your homework. And while this is critical, it's not enough. You must be careful when choosing which health plan to purchase and how much to pay for it. 

Aditya Birla Health Insurance offers a diverse set of health insurance plans so it is easy to understand why you could get confused. To compare plans based on their coverages, you can always check the company’s ‘Get Quote’ service. This helps you to get an estimate of your premium amounts.

When you add this with the brochure, you can compare and contrast different plans based on their premiums and coverage and therefore, make an educated decision.

Aditya Birla Health Insurance Tax Benefits

Active policyholders can get tax benefits through Income Tax Act Section 80D by paying their premiums. Policyholders under the age of 60 years get to enjoy a tax deduction of INR 25,000 which includes a preventive healthcare tax benefit of INR 5,000. Senior citizens above 60 years can receive up to INR 50,000 tax deduction. However, if both, policyholders and his dependent parents are above 60 years of age, the policyholder can claim a total deduction of up to INR 1,00,000.

Premium paid forTax Deduction Under Section 80D
< 60 years>= 60 years
Self, spouse and dependent childrenINR 25,000INR 50,000
Dependent parentsINR 25,000INR 50,000
Total tax deduction 80DINR 50,000INR 1,00,000

What is Covered Under Aditya Birla Health Insurance Plans?

Aditya Birla Health Insurance offers multiple benefits and plans to meet every individual's needs. Every person has a unique health profile, and so do his family members. To make it convenient for you and your loved ones, this insurance provider provides a wide range of options.

The following list covers the general inclusions of health insurance plans from Aditya Birla:

  • In-patient Hospitalisation

This coverage kicks in if the insured is admitted in a hospital for more than a day i.e. 24 hours. It includes room rent, attending doctor fees, OT expenses, drugs, medicines as well as other consumables.

  • Pre-hospitalisation Medical Expenses

This coverage includes diagnostic tests and consultations prior to the actual hospitalisation.

  • Post-hospitalisation Medical Expenses

This coverage includes medicines and diagnostic tests after the insured is discharged from the hospital.

  • Daycare Treatment

This coverage includes modern medical procedures that do not need the insured to be hospitalised for 24 hours.

  • Domiciliary Hospitalisation

This coverage includes medical expenses for treatment at the insured’s home for a term exceeding 3 consecutive days i.e. 72 hours which otherwise would have needed hospitalisation.

  • Road Ambulance Cover

This coverage offers ambulance ride expenses to needed medical facilities in case of emergency cases.

  • Organ Donor Expenses

This coverage provides expenses related to organ transplantation for insured-patients.

What is not Covered Under Aditya Birla Health Insurance Plans?

Aditya Birla medical insurance plans are among the best in respect of features and facilities. However, if you want to utilise these facilities, you need to be conscious that insurance plans have some limits. These are situations in which the insured or policyholder is unable to file a claim. Let's go through some of these policy exclusions so that you can make an informed selection.

  1. Illness occurring during the waiting time
  2. Investigation and evaluation of disease in the absence of therapy
  3. Dangerous sports
  4. Gender switch therapy
  5. Injuries caused by oneself
  6. Complications of pregnancy
  7. Alcoholism or substance abuse-related injuries
  8. Cosmetic procedures
  9. Respite care

Aditya Birla Network Hospital

Network hospitals are medical institutions that have current agreements with your insurance provider to provide their consumers with cashless treatment.

If you possess an ongoing health insurance policy, you will not have to pay any out-of-pocket expenses to obtain medical treatment at a partnered hospital. The advantage of choosing these facilities is that you'll get high treatment, reducing the overall stress of the process.

Aditya Birla has 10051 cashless network hospitals, located across the country. However, for a detailed list of network hospitals, you can visit the official website of the insurer.

Aditya Birla Health Insurance Reviews

The way Aditya Birla Health Insurance caters to each individual's demands is its finest feature. It offers a diverse range of health insurance plans that cater to the needs of each individual. The number of options available to the end-user is quite high, which makes it very difficult to choose one when choosing an insurance plan. But with companies like this one, things will get simpler.

Aditya Birla has everything from policy brochures to premium calculators available on their product pages. This makes the process of comparison for policyholders much easier. They also offer multiple value-added services like a dedicated health coach, international emergency assistance services and others which makes the life of insured individuals that much easier. 

How to Contact Aditya Birla Health Insurance Company?

Phone Number

Toll Free Hotline: 1800-270-7000

Whatsapp: +91 8828800035

Emailcare.healthinsurance@adityabirlacapital.com 
Address

Aditya Birla Health Insurance Co. Limited,

9th Floor, Tower 1, One World Centre, Jupiter Mills Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai 400013

Websitewww.adityabirlacapital.com 

Aditya Birla Health Insurance Health Insurance FAQs

  • 1. What is the age requirement to buy a plan in Aditya Birla health insurance company?

    Different policies have different age requirements. You need to check the policy document to confirm your qualification based on your age. However, usually, Aditya Birla health insurance plans have age eligibility of 5 years and 18 years. 

  • 2. Can I increase the sum insured of my Aditya Birla health plan?

    Yes, you can seek an increase in the sum insured while renewing your policy. Also, you can opt for such plans that come with restoration benefits. The sum enhancement, however, is subject to underwriter approval.

  • 3. Is there a discount for a 2- or 3-year insurance tenure under Aditya Birla?

    A long-term premium reduction of 7.5% or 10% is available when choosing a plan duration of the contract of two or three years. This will only relate to single premium policies.

  • 4. Can I qualify for an Aditya Birla plan if I have a pre-existing condition?

    Yes, however, there will be a 48-month waiting time for any pre-existing diseases/illnesses/injuries/conditions.

  • 5. Which insurance policies offered by Aditya Birla cover AYUSH treatment?

    The AYUSH treatment coverage is included in the Active Assure Diamond as well as the Activ Care Health Insurance plans by Aditya Birla.

  • 6. Is hospitalisation lasting less than a day covered by the AYUSH treatment coverage of Aditya Birla?

    No, AYUSH treatment insurance does not cover hospitalisation for less than a day.

  • 7. How do I request Aditya Birla portability?

    The insured may choose portability at the point of renewal by submitting a petition for portability a minimum of 45 days ahead, but no sooner than 60 days.

  • 8. What is the timetable of Aditya Birla for resolving the claim?

    If everything is received in order, the company will satisfy claims within 30 days of receiving all required paperwork.

  • 9. Is my Aditya Birla Health Insurance claim payable during the grace period?

    No. The company shall not be responsible for any claims that arise within the grace period.

  • 10. How to contact Aditya Birla?

    Members can contact Aditya Birla Capital at 1800 270 7000 or send an email to care.healthinsurance@adityabirlacapital.com.

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