Aditya Birla Health Insurance FAQs

Aditya Birla Health Insurance

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Highlights

5,700+ Network Hospitals

1,86,244+ Policies Issued

Lifelong Renewability

91% Claim Settlement Ratio

In-House Claim Settlement

Coronavirus (COVID-19) Cover

Cancer

  • What is the survival period for cancer plan of Aditya Birla?

    After the diagnosis, the insured should survive for at least 7 days to be eligible for making a claim.

  • What is the maximum no claim bonus that can be claimed under cancer plan of Aditya Birla?

    The maximum no claim bonus is up to 100% of the sum insured, which is available if there are no claims for 10 consecutive policy years.

  • What is the entry age to buy a cancer plan?

    The entry age to buy cancer plan is between 18 years and 65 years.

  • What is the policy tenure for cancer plan?

    The plan can be taken for 1 to 3 years.

Claim Settlement

  • 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.

  • Is there any limit for the number of claims that can be made in a year?

    You can claim as many times as possible, but the total claim can’t exceed the sum insured amount under the policy.

  • Where can I submit my claim documents?

    The policyholders are required to submit the claim form along with the documents for the reimbursement of the claim not later than 15 days from the date of discharge from the hospital at the nearest branch of Aditya Birla Health Insurance.

  • In how much time Aditya Birla Health Insurance settles the claim?

    Aditya Birla Health Insurance generally settles the claim within 7 working days of the receipt of the last necessary document, but not more than 30 days.

  • What is the claim settlement ratio for the financial year 2017-18 for Aditya Birla Health Insurance?

    The claim settlement ratio of Aditya Birla Health Insurance for the FY 2017-18 is 91%.

Critical Illness

  • Does Aditya Birla Health Insurance provide any plan for critical illness?

    Yes, Aditya Birla Health Insurance offers a plan for critical illness.

  • What is the name of the critical illness policy provided by Aditya Birla Health Insurance?

    The name of the critical illness policy offered by Aditya Birla Health Insurance is Activ Secure - Critical Illness

  • How many critical illnesses are covered by Aditya Birla Health Insurance?

    Aditya Birla Health Insurance covers 20 to 64 critical illnesses under its critical illness plans.

  • What is the minimum age of getting coverage under Aditya Birla Health critical illness plan?

    The minimum entry age under Aditya Birla Health critical illness plan is 5 years.

Diabetes

  • What is the maximum entry age to buy diabetes plan?

    There is no maximum entry age to buy the diabetes plan of Aditya Birla.

  • What is the pre-existing waiting period for diabetes policy?

    The pre-existing waiting period for diabetes policy is 3 years.

  • Does diabetes plan offer tax benefits?

    The premium paid under the plan is eligible for tax benefits under section 80D of the Income Tax Act.

  • Does diabetes plan offer ambulance cover?

    Yes, there is coverage for ambulance expenses under diabetes plan.

Family Floater

  • 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.

  • Does Aditya Birla have any family floater plan?

    Yes, Aditya Birla offers a family floater plan in the name of Activ Secure and Active Health Platinum. 

  • What is family health insurance?

    Also known as Family Floater Health insurance policy, family health insurance is a single mediclaim policy which extends cover for the entire family under one common sum insured. 

  • Do I need to pay the premium for every member in Aditya Birla family floater health insurance?

    No. In such a plan, you have to pay the premium for a single sum insured based on the age of the members in the policy. 

  • Who is covered by the Aditya Birla family floater plan?

    Aditya Birla family floater plan provides coverage for self, spouse, parents, in-laws as well as 3 kids. 

General Information

  • 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.

  • What is the minimum and maximum plan terms available in different Aditya Birla Health Insurance plans?

    Aditya Birla Health Insurance plans are available in the policy duration for 1, 2 or 3 years.

  • What is the meaning of portability in the health insurance sector?

    Portability is a feature that enables you to switch from one insurer to another, without making you lose any benefits of your existing policy, such as the waiting period and so on.

  • What is the benefit of choosing policies with more than 1 year duration?

    Aditya Birla Health Insurance offers a discount of 7.5% and 10% on selecting a 2 and 3 years plan respectively.

  • What is Aditya Birla Health Insurance’s toll-free customer care number?

    The toll-free customer care number of Aditya Birla Health Insurance is 1800-270-7000.

  • 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%.

  • Am I eligible to buy the Aditya Birla Coronavirus disease (COVID-19) health insurance policy?

    Yes. All Indian residents are eligible to buy the Aditya Birla Coronavirus (COVID-19) Health Insurance Plan, provided they are fit and fine at the time of purchasing the policy. Like other health insurance plans, this plan also comes with an initial waiting period of 30 days after which the policy holder can get the insurance coverage for treatment.

Individual

  • What is an individual health insurance policy?

    Individual health insurance is a type of policy in which each person is covered for a separate sum insured. 

  • What are the individual health insurance plans of Aditya Birla?

    Activ Secure - Personal Accident, Activ Secure - Critical Illness, Activ Secure - Hospital Cash and Activ Secure - Cancer are some of the top individual health insurance plans of Aditya Birla. 

  • Does individual health insurance cover pre and post-hospitalisation?

    Yes, individual health insurance plans provide coverage for pre and post-hospitalisation.

  • What are the benefits of buying an Aditya Birla individual health insurance plan?

    Aditya Birla ensures many benefits with its individual health insurance. Unique benefits are Health ReturnsTM, Reload of Sum Insured, Chronic Disease Management, Worldwide Emergency Medical Assistance, and Choice of Hospital Room.

Kids

  • Is there any specific plan for kids in Aditya Birla Health Insurance?

    None of the insurers provide any specific plan for kids. They can only get covered with their parents under a plan. On this note, Aditya Birla Health Insurance provides a few plans that cover kids with their parents.

  • Under Aditya Birla Health Insurance, what is the minimum entry age required for kids?

    The minimum entry age for kids under Aditya Birla Health Insurance is 91 days.

  • Till what age children can get covered as dependents under Aditya Birla Health Insurance plans?

    By the age of 25 years, children can be covered as dependents under different plans of Aditya Birla Health Insurance. 

  • Is there any coverage available related to organ donor expenses for kids by Aditya Birla Health Insurance?

    Yes, Aditya Birla Health insurance offers an organ donor cover for kids as well.

Maternity

  • Is there any plan that offers maternity cover? If yes, provide details.

    Aditya Birla Health Insurance offers plans like Active Health that offer maternity coverage. This policy covers the maternity-related expenses incurred on both the mother and the baby, vaccination, etc.

  • What do maternity expenses mean?

    It means coverage for the expenses incurred in pregnancy/childbirth whether it is complicated deliveries or caesarean sections.

  • Does maternity coverage cover vaccinations expenses?

    Yes, there are some health insurance plans that cover first-year vaccinations expenses for your newborn. 

Parents

  • What is the maximum entry age for parents under Aditya Birla Health Insurance?

    The maximum entry age for parents differs from plan to plan. However, the maximum entry age for parents under Aditya Birla Health Insurance is 80 years

  • Is there any health check-up offered by Aditya Birla Health Insurance for parents?

    Yes, a comprehensive health check-up, which covers various tests is provided by Aditya Birla Health Insurance for your parents.

  • Does Aditya Birla Health Insurance offer daycare treatments for the parents?

    Yes, Aditya Birla Health Insurance gives several daycare procedures for your parents.

  • Can my parents receive a domiciliary hospitalisation option under Aditya Birla Health Insurance?

    Yes, Aditya Birla Health Insurance offers different plans for senior citizens and family under which your parents can receive the domiciliary hospitalisation cover.

Portability

  • Does Aditya Birla Health Insurance provide the portability option?

    Yes, Aditya Birla Health Insurance provides the portability option.

  • What are the documents required for portability in Aditya Birla Health Insurance?

    Here are the basic documents required to be presented for portability in Aditya Birla Health Insurance:

    • Plan’s proposal form
    • Portability form
    • Copy of expiring health insurance policy
    • Copy of renewal notice

  • Is there any age criterion in Aditya Birla Health Insurance to be eligible for portability?

    The entry age depends on the terms and conditions of the Aditya Birla Health Insurance.

  • When can I apply for the portability in Aditya Birla Health Insurance?

    The policyholders can utilize the option of portability at the time of policy renewal.

Premium

  • How can I make payment for my policy premiums?

    The policyholders can make the payment for the premium either in cash or through online or digital payment options.

  • Can I expect to receive a payment acknowledgment from Aditya Birla Health Insurance for the payment of premium?

    Yes, you will surely receive the payment acknowledgment from Aditya Birla Health Insurance for paying the premium.

  • Can I get a duplicate copy of my premium receipt from Aditya Birla Health Insurance?

    Yes, Aditya Birla Health Insurance provides you the duplicate copy of the premium receipt.

  • What is the use of premium receipts provided by Aditya Birla Health Insurance?

    The ‘premium receipt' shows the amount of premium paid by you for the insurance plan. You can utilize it as the investment proof for getting tax benefits.

Senior Citizen

  • Does Aditya Birla offer any health insurance plan for senior citizens?

    Yes, Aditya Birla offers Activ Assure - Diamond, which is the right product for senior citizens. The entry age is 91 days with no upper limit. 

  • What things to consider when buying health insurance for senior citizens?

    When buying a senior citizen health insurance plan, pay special attention to all features that meet their specified needs. Choose a plan that provides specific features like dialysis, chemotherapy, organ donation. Check benefits under the room rent limit for several treatments, daycare, and ambulance expenditures, all that covered under the policy, the sum assured options, waiting period, and premium. 

  • When should I buy senior citizen health insurance?

    Senior citizen health plans are for the people of over 60-year. These plans are the option for retired individuals. 

  • Can I buy Aditya Birla health insurance for senior citizens online?

    Yes, you can buy health insurance online. Aditya Birla is committed to offering the best possible online services to policyholders. 

Woman

  • What is the maximum age limit for women to get covered in Aditya Birla Health Insurance?

    Aditya Birla Health Insurance offers no age bar as the maximum entry age for women. 

  • Can women proposers get tax benefits with Aditya Birla Health Insurance plans?

    Yes, women can get tax benefits on the amount of premium under the Income Tax Act.

  • Does Aditya Birla Health Insurance provide any health check-up program for women?

    Yes, women are provided with the health check-up program by Aditya Birla Health Insurance.

  • Is any benefit offered by Aditya Birla Health Insurance to appreciate the fitness of insured women members?

    Yes, Aditya Birla Health Insurance provides Easy Health Returns up to 30% of your premium for staying healthy and fit.

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

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.

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 ...

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    On: May 21, 2020
  • Very easy to understand

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    On: May 20, 2020
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    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...

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    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...

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    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...

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    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...

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    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...

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    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...

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    Activ Secure
    By Gaurav Kumar
    On: Feb 25, 2020

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