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Aditya Birla Health Insurance Benefits

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Highlights
Claim Settlement Ratio94%
COVID-19 CoverYes
In-House Claim SettlementAvailable
Network Hospitals6,000+
Policies Sold1,86,244+
RenewabilityLifelong

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Benefits of Aditya Birla Health Insurance

Aditya Birla Health Insurance offers a range of health insurance plans that meet varied health insurance requirements of the individuals. It offers individual health insurance plans, family health insurance plans, senior citizen health insurance plans, COVID-19 health insurance plans, etc. that provide the insured with a wide scope of coverage as well as wellness-oriented benefits that promote healthy living, all of it at affordable premiums. The insurer also offers an assessment tool, with the help of which one can find the best health insurance plans as per their requirements and budget.

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  • Additional Benefit of Free Health Check up

    Many Aditya Birla Health Insurance plans offer the facility of free preventive health check-ups to the insured. This benefit is in-built in the coverage features of the plans and can be availed after completing 1-4 policy years, which may vary from plan to plan.

  • Additional Protection over Employer Coverage

    Employer sponsored group health insurance plans are commonly provided to employees. However, such plans are not comprehensive in their coverage and the sum insured levels are also limited. Aditya Birla health plans allow individuals to increase their existing group health cover by buying a separate health insurance plan at affordable premiums.

  • Cashless Benefit

    Cashless claims are facilitated by Aditya Birla Health Insurance plans through a wide network of hospitals across India. Individuals can avail cashless benefits if they are treated at a networked hospital.

  • Claim Settlement Ratio

    Claim Settlement Ratio (CSR) is the ratio of the claims settled by the company against the total number of claims presented on it in one financial year. Aditya Birla aims to settle maximum of its claims and had a CSR of 70.81% for FY 2019-20. Note that the CSR changes from time to time.

  • Coverage against Medical Expenses

    The plans offered by Aditya Birla are quite comprehensive in nature. They provide coverage for a range of benefits like inpatient hospitalisation, ambulance costs, pre and post hospitalisation, restoration of the sum insured, day care treatments, alternative treatments, etc. Moreover, premium discounts and rebates are allowed if you maintain a good health and live a healthy lifestyle.

  • Incurred Claim Ratio

    Incurred Claim Ratio (ICR) measures the earned premium which is spent in paying claims. Aditya Birla Health Insurance's ICR for the financial year 2018-19 was 59%. This shows that the company managed to keep the ratio below 100% and earned a profit which strengthened its financial condition. Note that the Incurred Claim Ratio changes from time to time.

  • Tax Benefit

    Premiums paid towards health insurance plans qualify for deduction under Section 80D. Aditya Birla’s health insurance plans also allow this tax-saving deduction. You can claim a maximum deduction of up to Rs. 55,000 (Rs. 25,000 for individual and Rs. 30,000 for senior citizen) by investing in Aditya Birla Health Insurance plans.

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Disclaimer : Actual Coverage might vary basis your location, age and number of members

Aditya Birla Health Insurance Plan List

    Name of PlanSum Insured
    Activ Assure DiamondMin: 91 Days; Max: No Limit2 Lakh Get Quotes Now
    Corona Kavach PolicyMin: 1 day; Max: 65 days50,000 - 5 lakh Get Quotes Now
    Global Health Secure Min: 91 Days; Max: 65 years3 Crore - 6 Crore Get Quotes Now
    Activ Health EnhancedMin: 91 Days; Max: No Limit2 Lakh Get Quotes Now
    Cancer SecureMin: 18 Years; Max: 65 Years5 Lakh Get Quotes Now
    Activ SecureMin: 5 Years; Max: 65 Years1 Lakh Get Quotes Now
    Activ CareMin: 55 Years; Max: 80 Years3 Lakh Get Quotes Now
    Activ Health EssentialMin: 91 Days; Max: No Limit50 Thousand Get Quotes Now
    Arogya Sanjeevani PolicyMin: 3 Months; Max: 65 Years 1 Lakh - 5 Lakh Get Quotes Now

    Key Features of Aditya Birla Critical Illness Insurance Policies

    Some common features of critical illness insurance plans offered by Aditya Birla Health Insurance are as follows:

    • Portability option
    • Cashless treatment
    • Lifelong renewalbility
    • Hassle-free claim settlement
    • Wellness coach and personalized health advice
    • Tax benefits under Section 80D of the Income Tax Act

    Even if someone has a standard health insurance plan, they must still opt for a critical illness plan to avoid financial strain in case of a critical illness.

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    Save Tax upto ₹75000*
    Under Section 80D

    *Tax benefits are subject to changes in Income Tax Act.

    Aditya Birla Health Insurance Top Up List

      Name of PlanSum Insured
      Super Health Plus Top-up PolicyMin: 91 Days; Max: 65 years3 Lakh - 95 Lakh Get Quotes Now

      Choose Aditya Birla Health Insurance Critical Illness Plan

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      Aditya Birla Health Insurance User Reviews

      4.7
      Rating based on
      437 User reviews
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      What users are saying
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      • Network Hospitals
      • Claim
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      • Premium
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      • Critical Illness

      • Informative website

          The InsuranceDekho website is very informative. While buying the Aditya Birla Health Insurance policy ...

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        S
        Aditya Birla
        By Shivani Gupta
        On: Mar 17, 2023

      • Good Health Cover

        When I bought the Adiitya Birla Health Insurance plan from Insurance Deko website, I found out that the plan w...

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        A
        Aditya Birla
        By Amit Trivedi
        On: Mar 02, 2023

      • Chatbox feature

          The chat box feature available on the InsuranceDekho website is quite impressive. I bought the Aditya ...

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        A
        Aditya Birla
        By Aanchal Tandon
        On: Mar 01, 2023

      • Plan Comparison

        I have compared so many plans on the InsuranceDekho website. It has so many plans with elaborated and detailed...

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        R
        Aditya Birla
        By Reshma Sawant
        On: Feb 28, 2023

      • Plan Comparison

        I have compared so many plans on the InsuranceDekho website. It has so many plans with elaborated and detailed...

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        R
        Aditya Birla
        By Reshma Sawant
        On: Feb 23, 2023
      View All Aditya Birla Health Insurance Reviews
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      Claim Process at Aditya Birla Health Insurance

      • Network Hospital
      • Non-Network Hospital
      • 1

        Claim Assistance

        For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
      • 2

        Claim Intimation

        Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate within 3 days prior to admission.
      • 3

        Claim Processing

        Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
      • 4

        Claim Settlement

        Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
      • 1

        Claim Assistance

        For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
      • 2

        Claim Intimation

        Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate within 3 days prior to admission.
      • 3

        Claim Processing

        Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
      • 4

        Claim Settlement

        Once your request for reimbursement of expenses is approved, the claim will be settled.

      1172 Aditya Birla Cashless Network Hospitals in India

      View All Aditya Birla Network Hospitals

      FAQ About Aditya Birla Health Insurance

      • On what factors the eligibility to get a health insurance plan depends?

        The two basic eligibility criteria for getting the insurance policy are entry age and medical check-up.

      • Can I buy a health insurance policy for my 4-year-old kid?

        Aditya Birla Health Insurance does not offer any separate health insurance plan for kids. But, they can be covered with their parents either on an individual or a floater basis.

      • When should a reimbursement claim request be submitted?

        Request for reimbursement claim should be submitted within 15 days of getting a discharge from the hospital or clinic.

      • What is the period in which Aditya Birla Health Insurance settles claims?

        Aditya Birla Health Insurance settles claims, including the rejection, within 7 working days of receiving necessary documents, but not more than 30 days.

      • What is the Incurred Claims Ratio of Aditya Birla Health Insurance for the financial year 2018-2019?

        The ICR for Aditya Birla Capital Health for FY 2018-19 is 59%.

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      Network Hospital in Popular Cities

      CityNo of Hospital
      New Delhi6
      Pune167
      Ahmedabad70
      Patna47
      Chandigarh15
      Gurgaon80
      Chennai309
      View All

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