Aditya Birla Health Insurance

Aditya Birla Health Insurance Company Limited takes a unique approach to health insurance in India and has been working to change the face of the industry. The focus isn't simply on health insurance; it also serves as a catalyst for leading better lives.

Products


Here are the health insurance products offered by Bajaj Finance:

  • Active Assure Diamond

    In the face of unforeseen medical emergencies, the wisest thing to do is to keep our finances secured and that’s what Aditya Birla Health Insurance’s Activ Assure-Diamond Health Plan caters to. It is an all-inclusive benefit-rich plan that ensures you meet all your medical expenses.

  • Super Top-up Plan

    Aditya Birla Super Top-up Health Plan is an affordable health insurance plan that ensures you get the best treatment without worrying about rising medical costs. It provides you an additional coverage over and above your existing medical insurance for better coverage.

  • Group Active Health

    For those looking for a health plan that covers pre-existing diseases, Aditya Birla Group Activ Health Plan is your one-stop solution. It provides a comprehensive coverage for pre-existing diseases like asthma, blood pressure, cholesterol and diabetes (ABCD). This plan also provides additional benefits like pre-hospitalization, post-hospitalization, organ donor expenses, and ICU charges (actual cost). That’s not all, you also get coverage for 527 day-care procedures.

Product Table

Here’s a quick glance at the health plans offered by Bajaj Finance:

Insurance Company Health Insurance Plans Sum Insured (Rs.)
ABHI Active Assure- Diamond Up to 50 lakhs
ABHI ABCD 2 lakh - 10 lakh
ABHI Super Top Up 5 lakh -50 lakh

Key features and benefits of Aditya Birla Health Insurance

Here’s a quick look at the key features of Aditya Birla Health Insurance offerings:

Key features Highlights
Network hospitals 8000+
Claim settlement ratio 94%
Renewability Lifelong renewability
Solvency ratio 1.78
Total no. of claims settled 63000+

Read to know more about the key benefits:

Network hospitals

Aditya Birla offers a network of over 8,000 hospitals across India that can provide the policyholder with hassle-free cashless care.

Claim support

Aditya Birla Health Insurance has a claim support rating of 94%.

Solvency ratio

According to the Insurance Regulatory and Development Authority of India (IRDAI), Aditya Birla has a solvency ratio of 1.78.

Multiple sums insured options

The insurer allows the policyholder to select from a variety of sums-insured possibilities. The policyholder can choose a plan that fits their budget and fulfils their objectives. The minimum sum insured starts from Rs. 2 lakh.

Flexible plan options

Aditya Birla Health Insurance provides multiple options of health plans such as individual, family, and group. There are plans for specialised benefits such as personal accident, critical illness, cancer, and so on.

In-patient hospitalisation cover for AYUSH treatment

Majority of the plans cover in-patient medical expenses for non-allopathic treatments such as Ayurveda, Unani, Sidha, Homeopathy, Yoga, and Naturopathy arising from accident or illness.

Tax benefits

The health insurance plan offers tax exemptions under section 80D of the Income Tax Act, 1961.

What’s Covered

• Cashless claim settlement
• Pre- and post-hospitalisation cover
• 527 procedures cover
• ABCD diseases cover
• Road ambulance cover
• International/domestic emergency assistance services (including air ambulance)
• 586 day-care procedures
• Domiciliary hospitalisation
• Second e-opinion on critical illness
• AYUSH treatment cover
• Organ donor expenses
• Room rent capping

Exclusions

• Daily cash benefit
• Preventive health check-up
• Cumulative bonus
• Ayurveda and homeopathic treatments
• Dental treatments and cosmetic surgeries
• Ailments requiring treatment due to use or abuse of any substance, drug, or alcohol and treatment for de-addiction.
• War, the act of a foreign enemy, revolution, etc.
• Ambulance charges

Why should I buy Aditya Birla Health Insurance?

Aditya Birla Health Insurance offers a variety of customisable health insurance benefits like,

Health return benefit

People who maintain a healthy lifestyle are rewarded and the policyholder can receive discount on their health insurance premium.

Second e-opinion

You can avail of second opinions for any critical illness. The doctors on the panel include both national and foreign experts in the field.

How to buy Aditya Birla Health Insurance?

Here’s how you can purchase Aditya Birla Health Insurance Policy:

  • Visit our website www.bajajfinserv.in to choose a health plan of your preference
  • Click on the ‘Apply Now’ tab to fill in your basic details and health information. Policyholders can contact the insurance company for more information.
  • Make sure the information in the form is correct and full.
  • A pre-policy medical examination may be needed of the policyholder at any of the Aditya Birla Group's network diagnostic clinics.
  • You receive the policy schedule, policy wordings, cashless cards, and health advice on the shared mailing address.

How to renew Aditya Birla Health Insurance?

To renew your health insurance policy, you can simply follow the below steps:

  • Click on the ‘Quick Renewal’ option on the Aditya Birla Health Insurance website.
  • Fill in the policy number, proposer’s date of birth, and phone numbers on the next page.
  • Pay the premium online, and the renewal details will be emailed to the policyholder's registered email address.

Documents required to buy Aditya Birla Health Insurance

To purchase Aditya Birla Health Insurance, a policyholder must submit the following documents:

  1. Identity proof
  2. Aadhar card number
  3. Address proof
  4. Medical certificates (if applicable)

How to raise a claim

Here are the steps to raise a claim with the insurer:
For cashless claim

  • Aditya Birla's website has a list of network hospitals. Show the Aditya Birla Capital Health Insurance cashless card as well as a valid photo ID such as a passport, PAN card, or voter's card at a network hospital.
  • Following the identification, the network hospital will email Aditya Birla the cashless hospitalisation request form. For planned hospitalisation, the paperwork must be submitted three days ahead of time. In case of emergency, it must be submitted within 48 hours of admission.
  • The form will be reviewed by the insurer. After verifying the information provided, the insurer will notify about the status of the claim by SMS and email once the requirements have been completed.
  • Payment will be made to the network hospital directly after this is completed.

For reimbursement process

If a policyholder is admitted to a non-network hospital, he/she should clear the hospital bills immediately after the treatment is completed. After which, the insured can raise a reimbursement claim with the insurer. Here are the documents required within 15 days of discharge in order to register a claim:

  1. Claim form (part A and B)
  2. Health card
  3. KYC documents
  4. Original discharge summary
  5. Hospital bills
  6. The invoice with payment receipt
  7. All consultation papers
  8. Others

Following the evaluation of the papers, Aditya Birla Health Insurance team will share the claim status and the amount will be reimbursed if accepted.

Frequently Asked Questions (FAQs) for Aditya Birla Health Insurance

Is Aditya Birla Health Insurance cashless?

Yes, Aditya Birla Health Insurance also offers cashless treatment benefit. The policyholder can go to any of the empanelled hospitals to avail of the cashless facility. The policyholder simply needs to show the Aditya Birla Health Card or share the policy number with the network hospital to seek treatment. The insurer will directly settle the claim with the hospital after the due procedures.

Why should I buy Aditya Birla Health Insurance?

Aditya Birla group is one of the country’s most trusted health insurance providers, offering insurance since 2015. Aditya Birla Health Insurance offers the following benefits:

  • Cashless claim settlement
  • Pre-and post-hospitalisation expenses
  • 527-day care procedures coverage
  • Free health check-up
  • Freedom to select the hospital room
  • Organ donor expenses

What are the factors that affect the cost of the health insurance premium?

The insurance firm provides health insurance estimates to the policyholder after determining the following factors and risks.

  • Sum insured amount
  • Age of the insured
  • Tobacco or smoking habits
  • Medical history
  • Lifestyle factors including your occupation
  • Body Mass Index (BMI)

Will my claim be paid if my policy is in the grace period?

A grace period is basically the additional time offered to make the payment for policy renewal from the due date to avoid policy lapse. A grace period is usually of 15 days. There are no late fines during this time. However, the insured cannot benefit from the coverages offered under the policy during this period. The company is not liable to pay any claim that occurs during the grace period.