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History Of Aditya Birla Group:
The Aditya Birla Group is an Indian multinational company that consisting of a number of different parts or items that are group together.
Aditya Birla Health Insurance was first started by Aditya Birla Group.
Aditya Birla Health Insurance provides one of the best health insurance as compared to other insurance companies.
The headquartered of Aditya Birla Group is in Worli, Mumbai, India.
The Aditya Birla Group was founded by Seth Shive Narayan Birla in 1857.
The group has interests in sectors such as staple fiber, metals, cement (largest in India), viscose filament yarn, branded apparel, carbon black, chemicals, fertilizers, insulators, financial services, telecom, BPO, and IT services.
Aditya Birla Group is one of India’s largest number of different and distinct parts and also claims to be the most international of the country’s major corporations.
Aditya Birla also operates a number of financial products subsidiaries.
The Aditya Birla’s Sun Life insurance Company is the second largest private sector insurance company in India.
And also it’s Birla Sun Life Asset Management Co. is India’s fourth largest assets manager.
In another area, the company claims to be the world’s eighth largest producer of cement and the world’s fourth largest producer of carbon black.
The company of Aditya Birla is led by his son Kumar Mangalam Birla.
Aditya Birla Health Insurance Review:
Aditya Birla Health Insurance Co. Ltd has come with a good health insurance plan with new methods or new ideas, features and services.
Aditya Birla Health insurance plans offer comprehensive coverages and are easy to understand.
The people who like new age digital platform services, then this plans are great for that people.
Also read: Star Health Insurance
Aditya Birla Capital Health Insurance:
According to the age, every individual must have to must pay attention to their health and hence, it’s an important decision to invest in health insurance plans.
Aditya Birla Capital Health Insurance is one of the most trusted names in the insurance sector.
Aditya Birla Capital offers comprehensive health insurance plans that cover you against a lot of variety regarding health issues so that you don’t have to break a trust in the times of need.
Regardless of age, every individual must pay attention to their health and hence, it’s a wise decision to invest in health insurance plans.
Aditya Birla Capital, one of the most trusted names in the insurance space, offers comprehensive health insurance plans that cover you against a variety of health issues so that you don’t have to break a sweat in the times of need.
Aditya Birla Health Insurance Company:
This company has a robust background of Aditya Birla Group.
Aditya Birla Health Insurance Company covers the insured against basic health diseases, personal accidents, critical illness, cancer and it also provides daily cash benefits in case of hospitalisation.
Hence, you need to focus on is your well-being and let the insurance provider take care of monetary aspects.
Why Aditya Birla Health Insurance?
Nowadays, good wealth is indeed health! In the current scenario, with the cost of living is going high and healthcare turning expensive, so for hospitalization, you will have to pay a hole money in your pocket.
So, there is a question of how do you save yourself from huge hospital bills during a health emergency?
So, you won’t need to do any kind of worry because Health Insurance is the answer.
Yes, you heard right!
There is so many options are available in the market, choosing the right one Health Insurance Plan becomes extremely difficult.
Aditya Birla Health Insurance is the right choice because of several benefits and ease of availability.
Why You should have to choose Aditya Birla Health Insurance?
Aditya Birla Health Insurance offers benefits and features under two categories – Active health Essential (Basic) and Active Health Enhanced (Comprehensive).
Features and benefits of Aditya Birla Health Insurance you avail depends on whether you choose basic or comprehensive policies including add-ons.
The term period of both ranges from one to three years.
There are few common features include day care treatment, domiciliary hospitalization, day one cover for chronic diseases like diabetes, hypertension, high cholesterol, and asthma, benefits for hospital room choice, rewards for staying fit and healthy in the form of health returns, wellness coach to guide you on diet, fitness, and nutrition, hospital cash benefit, and more.
Aditya Birla Health Insurance gives you tax benefits under section 80D of Income Tax Act, 1961.
Under the Aditya Birla Health Insurance, for both the plans you can avail free health check-up once in a year.
Under free check-up facility of Aditya Birla Health Insurance, you can monitor your complete physical wellness.
In Aditya Birla Health Insurance, both the plans cover chronic health management program related to lifestyle diseases besides cover for second e-opinion in case of critical illnesses.
If you compared to other health insurance plans offered by other service providers, with Aditya Birla Health Insurance here you can enjoy a large number of extra benefits.
In case of a settlement claim, there is no reduction in the no-claim bonus in Aditya Birla Health Insurance.
In Aditya Birla Health Insurance the minimum age for availing both the health insurance plans is 91 days.
Aditya Birla Health Insurance Company covers the insured against basic health disease, personal accidents, critical illness, cancer and provides daily cash benefits in case of hospitalization.
Hence, all you need to focus on your well-being and let the insurance provider take care of monetary aspects.
Also read: United India Health Insurance
Aditya Birla Health Insurance Products:
Aditya Birla Health Insurance Co. Ltd offers health plans which are designed to give you an efficient service and also maintain a healthy lifestyle through wellness coach service.
Group Active Health:
Aditya Birla Group Health Insurance policy offers comprehensive cover against a range of health-related ailments.
In Aditya Birla Group Health insurance, documentation required to apply for the plan is minimal and simple.
Due to a simple underwriting process, policy insured is made quick and easy.
Under Aditya Birla Group Health insurance, the policyholder can avail cashless claim settlement.
Aditya Birla Group Health Insurance also offers a number of optional covers which can help you tailor the plan as per your needs and get enhanced protection.
In addition to Aditya Birla Group Health Insurance, the policyholder can further customize the plan in terms of the features, limits, and waiver of restrictions.
In Aditya Birla Group Health insurance, the premium paid towards this health insurance plan will make you eligible for tax exemption under Section 80D of the Income Tax Act, 1961.
Group Active Secure:
This plan is a group plan which offers fixed benefits.
If policyholder suffers from a health issue which is covered under the scope of the plan, then they will be entitled to receive a lump sum benefit.
Aditya Birla Group Health Insurance also offers a Group Personal Accident Cover Group Critical illness cover and Group Hospital Cash Benefit.
Basic Features And Benefits Of Aditya Birla Health Insurance:
Aditya Birla Health Insurance Company is already operating in the Indian market, and it currently offers multiple products for individuals, families, and groups.
Here, some of the key features and benefits of Aditya Birla Health Insurance can be listed as follows:
Flexible Plan Options:
Aditya Birla offers a variety of plans based on the requirements of customers.
Plans are available for individuals, families, and groups.
There are plans available in Aditya Birla Health Insurance for specific benefits including personal accident, critical illness, cancer, etc.
Also in addition to this, there are plans that provide benefits for groups.
Multiple Sum Insured Options:
Here, the customer can choose the sum insured amount based on their requirement.
Under the specific plans, you will get coverage for up to Rs.2 crore.
Aditya Birla Health Insurance includes one of the features that, it provides access to health industry experts anytime and anywhere.
So, due to this anytime and anywhere, customers get their doubts clarified by various health specialists online.
The Aditya Birla Health Insurance company has a big network of hospitals and doctors.
In this company, customers can access the list of hospitals and doctors in their cities/towns by visiting the company website.
The Aditya Birla Health Insurance Company offers rewards for healthy behavior in its customers.
Under the Aditya Birla Health Insurance, the premium amount paid towards various health insurance policies are eligible for income tax benefit as per section 80D of the Income Tax Act.
- The sum assured is up to 20 lakhs.
- This plan covers the related medical expenses incurred by the insured 60 days before hospitalization.
- Also, Aditya Birla Health Insurance plan covers related medical expenses incurred by the insured after hospitalization for a period of 180 days.
- Aditya Birla Health insurance also covers for an organ donor and related surgery fee.
- This plan will cover costs incurred on transportation to a hospital as per actuals if services are availed from a network provider.
- Co-payment is not mandatory applicable but for treatment in the higher zone or higher room category co-payment is applicable, up to 20%.
- Deductible options of 25,000, 50,000, 1 lakh, and 2 Lakhs.
- Cumulative bonus benefits by 10%.
Also read our blog on HDFC Ergo Health Insurance
Aditya Birla Health Insurance Plans:
There are the following number of types of plans comes in Aditya Birla Health Insurance:
Aditya Birla offers four health insurance plans under individual and group health insurance plans.
This Insurance also includes Active Health, Active Secure, Active Assure, and Group health insurance plans.
Aditya Birla Health Insurance offers a wide range of plans according to requirements of customers.
Below, you can find a list of Aditya Birla Health Insurance Plans and their plan basis, Sum Insured, Policy Term:
Sr. No. Plan Name
1. Active Assure
2. Active Assure Advanced
3. Active Health Essential
4. Active-Secure-Personal-Accident Plan
5. Active Secure Critical Illness Plan
6. Active Secure Hospital Cash
7. Active Cancer Secure
|Plan Name||Plan Basis(Individual, Family etc.)||Sum Insured( Min And Max)||Policy Term|
|Active Health Essential||Individual & Family||Rs.50,000Min.& Rs.10 Lakhs Max.||1 to 3 years|
|Active Health Enhanced||Individual & Family||Rs.2 lakhs Min.& Rs.2 Crore Max.||1 to 3 years|
|Active-Secured-Personal Accident||Individual||Varies||1 year|
|Active Secure-Critical Illness||Individual||Varies by different plans||1 year|
|Active Secure-Hospital Cash||Individual||Varies cash amount & chosen time duration||1 year|
|Active-Secured Cancer||Individual||Varies||1 year|
|Active Assured-Diamond||Individual & Family||Up to Rs. 2 Crore||1 to 3 years|
|Group Active Health||Individual & Family||Varies||1 year|
In Aditya Birla, Health Insurance premiums get vary depending on factors like age, location, the term of the plan, taxes, and GST.
Aditya Birla Active Health Enhanced Plan:
- Eligibility and coverages:
The minimum entry age is 91 days and there is no maximum entry age.
Children, up to 25 age can be covered in Aditya Birla Health Insurance Company..
In a family floater plan, we can cover up to 9 members (6 adults+3 children) comprising of self, spouse, dependent parents, dependent parents-in-law, children up to 25 years (up to 3).
- For any treatment 30 days waiting period except accidental injury.
- For a specific illness/treatment like Cataract, Hernia, sinusitis, joint.
- replacement surgery, varicose veins etc. have 2 years waiting period.
- As per the terms of policy chronic management waiting period.
- For pre-existing disease 36 months waiting on enhanced plans.
Discounts under the policy:
- Family Discounts:
There is the availability of 5% discount on covering two family members and 10% on covering 3 or more family members in an individual policy type.
- Long Term Discounts:
Also, there is available of a long-term discount of 7.5% and 10% on selecting a 2 and 3 years policy respectively.
Long-term discount only applies in case of single premium policies.
- Major Exclusions:
- War, the act of foreign enemy, uprising, revolution, violent action, military acts.
2. Self-injury, criminate intent.
3. Abuse of intoxicants substances.
4. Weight management programs, treatment of obesity.
5. Cosmetic, aesthetic and reshaping treatments and surgeries.
6. Admission primarily for diagnostic purposes not related to illness for which hospitalization has been done.
7. Hearing aids, spectacles, or contact lenses including optometric therapy.
8. Psychological disorders and mental disorders.
9. Congenital external disease, defects or genetic disorders.
10. HIV/ AIDS and related complications.
11. Avail of treatment for sterility, infertility, sub-fertility or other related conditions.
12. Treatment for rehabilitation measures, private duty nursing, respite care is excluded.
Also read: Apollo Munich Health Insurance
Aditya Birla Diamond Plan:
- Eligibility and coverages:
Minimum entry age is 5 years and there is no maximum age of entry.
Family Floater Policy:
In this plan, Aditya Birla health Insurance company will provide cover up to 6 members (2 adults + 4 children)comprising of self, spouse and dependent children (up to 25 years) in a single policy.
- Long Term Discount:
For 2 years policy 7.5%
For 3 Years policy 10%
- Family Discount:
For 2-3 member Multi Individual Policy: 5%
For 4+ members Multi Individual Policy: 10%
- In Aditya Birla, Health Insurance Permanent exclusions are War, the act of foreign enemy, uprising, revolution, insurrection, military acts.
- Intentional self-injury, Breach of law with Criminal Intent.
- Abuse of the consequences of the abuse of intoxicants or hallucinogenic substances.
- Hearing aids, spectacles or contact lenses including optometric therapy are excluded.
- Psychological disorders, mental disorders.
Waiting Periods and Co-Payments:
In Aditya Birla Health Insurance Diamond Plan Waiting Periods and Co-Payments are as follows:
- In the first year of the policy cover, there are 30 days waiting period for any treatment, except an accidental injury.
- For specific illness or treatment like Cataract, Hernia, Sinusitis, Joint replacement surge, Varicose veins etc.there are 2 years waiting period in Aditya Birla Health Diamond Insurance Plan.
- In Aditya Birla Health Diamond Insurance Plan there are 48 months Pre-existing disease waiting period
- For the age of ent at 61 years and above Mandato 20% Co-payment.
- A comprehensive range of sum insured from 2 lakhs to 2 crores.
Active Pressure-Diamond Plan:
- Reload 150% of the sum insured.
- 586-day care procedures covered.
- Availability of ‘No Claim Bonus’ of 10% for every claim-free year.
- Earn up to 30% of your premium as Health Returns TM.
Also read: Religare Health Insurance
Key Benefits Of The Diamond Plan:
- Sum Insured Option:
A wide range of sum insured from Rs.2 lakhs to Rs.2 Crores.
- Cashless Treatments:
Get admitted to one of the hospitals in our network hospitals and available of cashless facility treatments.
- 150% Reload Of The Sum-Insured:
In this plan even if your Sum Insured gets exhausted, we will reload your Sum Insured amount by another 150%.
- 586 Day Care Procedure:
Aditya Birla Health Diamond Insurance Plan will cover you for 586 listed day care procedures even if hospitalization is less than 24 hours.
- Pre & Post-hospitalization Cover:
Aditya Birla Health Diamond Insurance Plan will cover your medical expenses not only during your hospitalization but also from 30 days before hospitalization and 60 days after hospitalization.
- Health Returns:
Earn up to 30% of your premium as Health Returns.
- Ayush Medical Treatments:
This plan also covers treatments given under Ayurveda, Unani, Siddha, Yoga & Naturopathy & Homeopathy systems.
- Discounts on Premiums:
For 2 year policy- 7.5%
2 year policy for 10%
2-3 member Multi Individual Policy for 5%
For 4 or more members Multi Individual Policy- 10%
- Emergency Assistance Services:
In this plan Domestic & International emergency assistance including Air Ambulance.
Also read: National Health Insurance
Aditya Birla Health Insurance Premium Calculator:
There is the number of policies available in the market, which will offer coverage to an whole family.
Nowadays, you will have possible to pay a minimum premium in exchange for very good facilities.
Health Insurance Premium Calculator is based on the number of factors.
The insurer has their own list of factors that include your age, pre-existing medical conditions, individual medical history, and also the entire family’s history etc.
Aditya Birla Health Insurance Premium Calculator will help you in choosing the best health insurance policy, according to your needs that you will be entered in details.
Aditya Birla Health Insurance Premium Calculator also allows you to compare and analyze different policies available in the market, and thus you can choose the right health insurance policy based on your needs.
If you have a pre-existing disease that you are a chain-smoker or you have a habit of consuming alcohol quietly, then details like this entered in the premium calculator would automatically hike the premium.
Here, you will have to fill these details honestly because if you deliberately hide such information, then there are chances that your policy gets rejected if they found that disease in your medical report. So, while entering the information in policy be honest.
Which is the interesting facts of Aditya Birla Health Insurance?
The Aditya Birla Health Insurance Company is offering contemporary technology like digitally integrated, incentivized wellness programs which will help their customers choose a healthier lifestyle.
The partnership comes with a long history of conducting successful businesses.
What Is The Aditya Birla’s health Insurance claim Process?
Cashless Claim Process:
- Aditya Birla Health Insurance offers the cashless facility approach network hospital.
- You can find the list of network hospitals in your area on the website.
- Cashless card or policy number can be provided at the cashless desk.
- You will also require to show the ID card like passport, pan card or voters ID card.
- Firstly you will need to fill the cashless hospitalization request form.
- You can fill the form which is available on the website for speed up.
- In an emergency hospitalization case, you will have to fill the form and submit within 48 hours of the hospitalization.
- For Pre-planned hospitalization, the form needs to be submitted at least 3 days before the hospitalization.
- Aditya Birla Health Insurance Company will take the decision within 2 hours on the cashless hospitalization and will be notified to the policyholder.
- As per the Aditya Birla Health Insurance policy terms and conditions, the claim settlement will be done with the completion of hospital formalities.
Reimbursement Claim Process:
- Firstly you will have to notify the Aditya Birla Health Insurance Company on 1800-103-1033 or through the email email@example.com for your admission in hospital, if there will be the emergency case then within 48 hours of hospitalization and if pre-planned at least 3 days before hospitalization.
- Then you will have to collect all original documents from the hospital and submit them to Aditya Birla Health Insurance Company within 15 days of discharge from the hospital.
- You can submit the documents through post or log into the online portal and upload the original documents.
- After the submission of documents, the claim will be processed as per the terms and conditions of Aditya Birla Health Insurance Company.
- You can check the claim status on Aditya Birla Health Insurance Companies website by login into the online portal with username/member ID and password provided.
Also read: Healthcare Insurance
Aditya Birla Health Insurance Customer Care:
In Aditya Birla Health Insurance there are a number of multiple channels through this customer can contact the customer care team, which include:
Also, you can do email on firstname.lastname@example.org
If your complaint or issue has still not been satisfactorily resolved, then you can write into the Grievance Redressal Officer at Aditya Birla, you can email on email@example.com.
How To Contact Aditya Birla Health Insurance?
Aditya Birla Health Insurance Co.Ltd.
13th Floor, R Tech Park,
Off Western Express Highway,
Goregaon East, Mumbai,
Maharashtra 400 063,
Phone- 1800 270 7000
Get your health insurance today.