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.
Here are the Aditya Birla Health Insurance products you can choose from offered by Bajaj Finance Limited:
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.
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.
For those looking for a Aditya Birla Health Insurance 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.
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|
Here’s a quick look at the key features of Aditya Birla Health Insurance offerings:
|Claim settlement ratio||94%|
|Total no. of claims settled||63000+|
Read to know more about the key benefits:
Aditya Birla offers a network of over 8,000 hospitals across India that can provide the policyholder with hassle-free cashless care.
Aditya Birla Health Insurance has a claim support rating of 94%.
According to the Insurance Regulatory and Development Authority of India (IRDAI), Aditya Birla has a solvency ratio of 1.78.
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.
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.
The health insurance plan offers tax exemptions under section 80D of the Income Tax Act, 1961.
Here’s the list of various coverages under Aditya Birla Health Insurance products.
• 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
Here are some of the exclusions under Aditya Birla Health Insurance plans.
• 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
Aditya Birla Health Insurance offers a variety of customisable health insurance benefits like,
People who maintain a healthy lifestyle are rewarded and the policyholder can receive discount on their health insurance premium.
You can avail of second opinions for any critical illness. The doctors on the panel include both national and foreign experts in the field.
Here’s how you can purchase Aditya Birla Health Insurance Policy:
To renew your health insurance policy, you can simply follow the below steps:
To purchase Aditya Birla Health Insurance, a policyholder must submit the following documents:
Here are the steps to raise a claim with the insurer:
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 Aditya Birla Health Insurance. Here are the documents required within 15 days of discharge in order to register a claim:
Following the evaluation of the papers, Aditya Birla Health Insurance team will share the claim status and the amount will be reimbursed if accepted.
For any queries, you can contact the insurer in the following ways:
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.
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:
The insurance firm provides health insurance estimates to the policyholder after determining the following factors and risks.
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.
For both cashless treatment and reimbursement claims, you first need to contact the insurer. Fill out the claim forms given by the insurer. You can download the claim form online from the insurer’s website. Those seeking treatment at the network hospital can get a claim form at the hospital as well. Submit the required documents like KYC, hospital bills, original documents etc. and the claim form to the insurer. If you file a cashless treatment claim from a network hospital, the administration will pass the required information and documentation directly to the insurer.
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