Aditya Birla Health Insurance Benefits

Claim Settlement Ratio | 94% |
COVID-19 Cover | Yes |
In-House Claim Settlement | Available |
Network Hospitals | 6,000+ |
Policies Sold | 1,86,244+ |
Renewability | Lifelong |
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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.
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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Aditya Birla Health Insurance Plan List
Name of Plan | Sum Insured | |
Activ Assure DiamondMin: 91 Days; Max: No Limit | 2 Lakh | Get Quotes Now |
Corona Kavach PolicyMin: 1 day; Max: 65 days | 50,000 - 5 lakh | Get Quotes Now |
Global Health Secure Min: 91 Days; Max: 65 years | 3 Crore - 6 Crore | Get Quotes Now |
Activ Health EnhancedMin: 91 Days; Max: No Limit | 2 Lakh | Get Quotes Now |
Cancer SecureMin: 18 Years; Max: 65 Years | 5 Lakh | Get Quotes Now |
Activ SecureMin: 5 Years; Max: 65 Years | 1 Lakh | Get Quotes Now |
Activ CareMin: 55 Years; Max: 80 Years | 3 Lakh | Get Quotes Now |
Activ Health EssentialMin: 91 Days; Max: No Limit | 50 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.

*Tax benefits are subject to changes in Income Tax Act.
Aditya Birla Health Insurance Top Up List
Name of Plan | Sum Insured | |
Super Health Plus Top-up PolicyMin: 91 Days; Max: 65 years | 3 Lakh - 95 Lakh | Get Quotes Now |
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Aditya Birla Health Insurance Contact Details
Aditya Birla Health Insurance
1800-270-7000Mon to Fri 10:00 AM to 7:00 PM
Claim Process at Aditya Birla Health Insurance
1172 Aditya Birla Cashless Network Hospitals in India
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%.