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Aditya Birla Global Health Secure Health Insurance

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Aditya Birla Health Insurance
Global Health Secure
Cashless Approval TAT2 hr Cashless Claim Processing
Claim Settlement Ratio96%
Network Hospitals10,500+
Pre-existing Disease Coverage Starting FromDay 1
Special BenefitsIncentivized Wellness
Starting Premium for Rs. 5 lakh CoverageRs. 270/month

About Aditya Birla Global Health Secure Health Insurance

Aditya Birla Global Health Secure policy is an indemnity-based medical insurance policy that covers you and your family for treatment of 16 major illnesses that are planned and scheduled in advance and taken outside India. If covered under the policy, you can choose between sum insured options of Rs. 3 crore and Rs. 6 crores. However, the policy does not cover any emergency or emergency care required when you are abroad. You can be covered under this policy if your age is between 91 days and 65 years. The good news is that you can buy this policy on an individual or multi-individual basis and add self, legally wedded spouse as long as they continue to be married, son, daughter, mother, father, brother, sister, mother-in-law, father-in-law, grandfather, grandmother, grandson, granddaughter, son-in-law, daughter-in-law, brother-in-law, sister-in-law, nephew, and niece. Kindly note that the proposer for this policy does not necessarily need to be insured under it.

The Global Health Secure policy covers you for several expenses such as travel expenses, organ donor expenses, post-hospitalisation expenses, cover for worldwide major illness in in-patient hospitalisation outside India, and repatriation of mortal remains. You can buy this policy for a term of 1 year, 2 years, or 3 years, as per your requirement and keep renewing it for lifetime, provided the policy does not get lapsed. Also, you can avail tax benefits on the premium paid for this policy, under Section 80D of the Income Tax Act, 1961. Kindly note that the policy comes with an initial waiting period of 30 days only after which you will be able to make a claim under the policy.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Cover for post-hospitalisation medical expenses
  • Organ donor expenses
  • Cover for expenses related to travel
  • Expenses related to accommodation is covered under the plan
  • Worldwide major illness in-patient hospitalisation (outside India)

What's Not Included

  • Treatment taken in India
  • Any injury/illness/accident due to intoxication
  • Any treatment related to obesity or weight control
  • Any treatment arising directly or indirectly due to war
  • Any willful or deliberate exposure to danger or intentional self-injury

10849 Aditya Birla Cashless Network Hospitals in India

Choose Aditya Birla Health Insurance Critical Illness Plan

Add-ons to Enhance Benefits

  • International second e-opinion for major illness

    In case the insured person is diagnosed with any listed major illness during the policy period, then he/she can avail international second e-opinion from the panel of international medical practitioners, according to the terms and conditions of the policy. It is not mandatory to buy this add-on but you can buy it to get added coverage.
  • Visa Documentation Guidance

    With this add-on, then the empanelled service provider of the insurance company will provide information concerning visa documentation and guidance to travel abroad for the purpose of medically necessary treatment pre-authorized by the insurance company. You can buy this add-on cover by paying an extra premium at the time of policy purchase.

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.

FAQs on Global Health Secure Health Insurance Plan

  • Who all can be covered under the Global Health Secure Policy offered by Aditya Birla Health Insurance?

    Global Health Secure Policy offered by Aditya Birla Health Insurance can be purchased on an individual or multi individual basis. You can include self, legally wedded spouse, mother, daughter, son, father, brother, sister, mother-in-law, father-in-law, grandfather, grandmother, grandson, granddaughter, son-in-law, daughter-in-law, brother-in-law, sister-in-law, niece and nephew.    

  • What are the additional benefits offered under Global Health Secure Policy?

    Global Health Secure comes with the following additional benefits: 

    • International Second E-opinion For Major Illness: This benefit allows you to get an e-opinion from internationally available medical practitioners from the insurer’s panel
    • Visa Documentation Guidance: The insurer’s service provider will provide information related to visa documentation and guidance for overseas travel for any treatment that is medically necessary.
  • What is the age criteria to buy Global Health Secure Policy offered by Aditya Birla Health Insurance?

     Global Secure Policy covers people aged between 91 days and 65 years. Kindly note that children aged between 91 days and 5 years can be covered only if one adult is covered on a multi-individual basis. The minimum entry age is 5 years in case of an individual policy.

  • What are the waiting periods for the Global Health Secure Plan?

    Global Health Secure Policy offered by Aditya Birla Health Insurance comes with the following waiting periods: 

    • Initial waiting of 30 days. It is not applicable in case of accident or subsequent renewal
    • 2 years waiting period for specific illnesses
    • Pre-existing illness waiting period for 24 months, 36 months, and 48 months as per the time of purchase of the policy
    • Waiting period of 4 years for genetic disorders 
  • Will I be covered for in-patient expenses abroad on a cashless basis under this policy?

    The policy covers you for in-patient care outside India due to listed medical illnesses on a cashless basis. 

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