Aditya Birla Health Insurance Benefits

Aditya Birla Health Insurance

163 reviews Rate This

Highlights

Network Hospitals5,700+
Policies Sold1,86,244+
Lifelong RenewabilityLifelong
Claim Settlement Ratio91%
In-House Claim Settlement In-House Claim Settlement
COVID-19 CoverYes

Benefits of Aditya Birla Health Insurance

Aditya Birla Capital Limited is a wholly owned company of the Aditya Birla Group, one of the largest and the most reputed conglomerates of the Indian industry sector. Aditya Birla Capital offers a range of financial services and the health insurance segment is a vertical arm of the company. The company offers a range of health insurance plans for meeting the different health insurance needs of individuals. 

The Aditya Birla Group is a USD 44.3 billion multinational company while Aditya Birla Capital has an asset base of Rs. 3000 billion. Health insurance products are offered by the company through a strong network of more than Rs. 2 Lakh agents and channel partners. 

The health plans of the company offer a wide scope of coverage as well as wellness oriented benefits which promote healthy living. Moreover, you can find the best health insurance plan for your needs through an assessment tool which has been developed by the company. 

  • Additional Benefit of Free Health Check up

    Under the different health insurance plans offered by the company, the facility of free preventive health check-ups is available. This facility is inbuilt in the coverage features of the plans and is offered after completing 1-4 policy years depending on different plans.
  • 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 Settement 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 hence has a 91%* CSR. *The claim settlement ratio change 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'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. *The incurred claim ratio change 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’s health insurance plans.

Aditya Birla Health Insurance Plan List

Name of PlanSum Insured
Activ Assure DiamondMin: 91 Days; Max: No Limit2 Lakh 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
Corona Kavach PolicyMin: 1 day; Max: 65 days50,000 - 5 lakh Get Quotes Now

Aditya Birla Health Insurance User Reviews

What users are saying
  • Very much satisfactory

    The coverage features under this plan are very much satisfactory. I got cover for my entire family at an ...

    Read More
    J
    Arogya Sanjeevani Policy
    By Jitender Singh
    On: May 21, 2020
  • Knowledgeable experts

    I dint not know much about health insurance but was looking for a plan for myself and my family of 4. I got lu...

    Read More
    S
    Arogya Sanjeevani Policy
    By Surbhi Mehta
    On: May 21, 2020
  • Very easy to understand

    The plan not only has many coverage features, but is also easy to understand even for those who have little kn...

    Read More
    S
    Arogya Sanjeevani Policy
    By Sanjay Singhania
    On: May 20, 2020
  • Easy to buy from InsuranceDekh...

    I am happy with the services of InsuranceDekho. I brought this plan recently from them in a few simple steps. ...

    Read More
    A
    Arogya Sanjeevani Policy
    By Ashok Gupta
    On: May 19, 2020
  • Brought it online during lockd...

    I purchased this health insurance policy online during the lockdown. The process was very smooth. Iam happy th...

    Read More
    V
    Arogya Sanjeevani Policy
    By Vijay Sharma
    On: May 19, 2020
  • Perfect Policy..

    This GoActive plan performs towards dealing with a diverse range of daily needs of people. It gave me differen...

    Read More
    I
    GoActive
    By Ishant Rathore
    On: Mar 02, 2020
  • Active Performer!

    I my opinion as far as I have used this policy, I can easily conclude that this plan is an active performer. B...

    Read More
    T
    GoActive
    By Tushar Singhal
    On: Mar 02, 2020
  • Thankful to this!

    I bought this plan from InsuranceDekho company for my father. He is very impressed with this policy. My father...

    Read More
    V
    Cancer Secure
    By Virat Singh
    On: Feb 25, 2020
  • Life saving scheme..

    I would never have been able to get myself treated from cancer if this policy wasn’t there with me. This...

    Read More
    A
    Cancer Secure
    By Ankur Mudgal
    On: Feb 25, 2020
  • Great policy indeed.

    This is a critical illness plan which delivered me peace and courage to get my wife treated. My wife was ill w...

    Read More
    G
    Activ Secure
    By Gaurav Kumar
    On: Feb 25, 2020

Aditya Birla Health Insurance Contact Details

Reach us for help anytime

Aditya Birla Health Insurance FAQs

  • 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?

    There are no separate individual plans for kids. But, they can be covered with their parents in either individual or floater plans.

  • If I don’t use the cashless facility, then in how much time claim should be submitted?

    You should submit the claim within 15 days of getting a discharge from the hospital or clinic.

  • What is the period in which claim is settled by Aditya Birla Health Insurance firm?

    ABHI settle 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%.

Latest Health Articles